Start with our mortgage approval tool!

There's a lender for every lender. But not every deal goes to every lender. Before you submit direct, we know their criteria and we help structure files for an approval.

Quick close rates are offered by lenders for deals closing within 30 days to win last minute customers. Pre-approval or firm approval depends on your buying timeline.

Inusred mortgage rates are lower, but qualification is stricter. We'll work with you to find the best number of downpayment and the best mortgage rate.

Home Equity lines offered by banks is still treated as a 2nd mortgage. Consolidating both can help you pay off the balance and avoid interest only payments.

Think neighbour's property value! We use tools like Purview and Desktop Appraisals to guide us on value, but in some cases appraisals are required upfront.

The choice of your amoritization can land you a slightly better rate but also impact your cash flow. In Canada, our equity growth outpaces our repayment so think cash in hand when deciding.

We work with all the lenders, even Yours! But lenders are less likely to neogitate if you are already their customer. We'll negotitae with Your lender or any other.

Lenders offer different rates in different parts of Canada. Some lenders are only provincial. Help us find you the best deal that is localized to your property.

RateShop Inc. is a Licensed Mortgage Brokerage in the following provinces: Mortgage Brokerage Ontario FSRA #12733, British Columbia BCFSA #MB600776, Alberta RECA #00523056P, Saskatchewan FCAA #00511126, PEI #160622, Manitoba FIRB #10139499, New Brunswick FCNB #88426, Newfoundland/Labrador, Yukon, Nunavut, Northwest Territories. QC mortgages serviced by AMF# 181136.

Mortgage rates can vary based on property use, lenders can verify this with appraisals. We work with lenders that can discount all uses to the property.

Calculate your total outstanding balances against your credit cards, car loans, personal loans, student loans and line of credits. You may be able to add these balances to your new mortgage request.

We offer approvals for flexible income situations like new salary employment, variable wage rates, commission or contract employment & stated income too.

Your estimate can help us build your file faster. We DO NOT conduct credit checks until your file is ready for submission to the lender.

By submitting this form you agree to allow RateShop Mortgage to use and disclose any information collected through this form and through subsequent correspondences in accordance with our Privacy Policy, and as deemed necessary by us to process your mortgage request and application to the best of our abilities. This includes, but is not limited to, sharing your personal information with RateShop, Lendmax, Mbanc employees, subcontractors, and third party affiliates for the purposes of processing your mortgage request and application. You agree to ongoing communication and consent to be contacted via email, text, phone call and regular mail regarding your mortgage application until your consent is withdrawn. You agree to rate and product communication from RateShop & it's partner/affiliated partners.