{"id":2682,"date":"2026-01-23T13:43:06","date_gmt":"2026-01-23T13:43:06","guid":{"rendered":"https:\/\/effortlessmortgage.ca\/blogs\/?p=2682"},"modified":"2026-05-09T12:47:50","modified_gmt":"2026-05-09T12:47:50","slug":"current-mortgage-rates-canada-updated","status":"publish","type":"post","link":"https:\/\/effortlessmortgage.ca\/blogs\/current-mortgage-rates-canada-updated\/","title":{"rendered":"Current Mortgage Rates Canada (Updated)"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2682\" class=\"elementor elementor-2682\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-46528b68 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"46528b68\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6f49500f\" data-id=\"6f49500f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cfd0296 elementor-widget elementor-widget-html\" data-id=\"cfd0296\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p><strong>Last updated:<\/strong> May 8, 2026 \u2022 <strong>Author:<\/strong> Effortless Mortgage<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bff9558 elementor-widget elementor-widget-heading\" data-id=\"bff9558\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Today's Mortgage Rates in Canada (Updated Regularly)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b39e5e1 elementor-widget elementor-widget-text-editor\" data-id=\"b39e5e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong data-start=\"323\" data-end=\"356\">Current mortgage rates Canada<\/strong> are updated here <b>weekly<\/b> \u2014 including fixed, variable, and HELOC options.\u00a0<\/p><ul><li><strong>Last\u00a0 updated:<\/strong> May 8, 2026<\/li><li><strong>Update Frequency:<\/strong> Updated Weekly<\/li><li><strong>We serve borrowers in:<\/strong> Ontario and Alberta<\/li><\/ul><div>Mortgage rates you see online are <strong data-start=\"1278\" data-end=\"1297\">starting points.<\/strong> Your actual rate depends on your details (down payment, credit, income type, property, and whether you\u2019re buying, renewing, or refinancing).<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba4ddd0 elementor-widget elementor-widget-html\" data-id=\"ba4ddd0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<section class=\"tldr\" role=\"note\" aria-label=\"TL;DR\">\r\n<h2 class=\"sr-only\">TL;DR<\/h2>\r\n<p><strong>TL;DR:<\/strong><\/p>\r\n<ul>\r\n<li data-start=\"3860\" data-end=\"3936\">\r\n<p data-start=\"3862\" data-end=\"3936\">The &ldquo;best&rdquo; rate online is usually a <strong data-start=\"3898\" data-end=\"3916\">starting point<\/strong>, not a guarantee.<\/p>\r\n<\/li>\r\n<li data-start=\"3937\" data-end=\"4036\">\r\n<p data-start=\"3939\" data-end=\"4036\">Your actual rate depends on <strong data-start=\"3967\" data-end=\"4033\">down payment\/equity, credit, income type, and mortgage purpose<\/strong>.<\/p>\r\n<\/li>\r\n\r\n<li data-start=\"4304\" data-end=\"4375\">\r\n<p data-start=\"4306\" data-end=\"4375\">Fastest next step: <strong data-start=\"4325\" data-end=\"4347\">use the quote form<\/strong> (we serve <strong data-start=\"4358\" data-end=\"4373\">ON &amp; AB<\/strong>).<\/p>\r\n<\/li>\r\n<\/ul>\r\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dc57b11 elementor-widget elementor-widget-heading\" data-id=\"dc57b11\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Featured Rate Today: 3.30% <img decoding=\"async\" role=\"img\" class=\"emoji\" alt=\"\u2b50\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/17.0.2\/svg\/2b50.svg\"><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-58f855f elementor-widget elementor-widget-text-editor\" data-id=\"58f855f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Featured starting rate: 3.30%<\/li><li>Best fit for: borrowers with strong qualifications (details matter).<\/li><\/ul><p><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/17.0.2\/svg\/1f449.svg\" alt=\"\ud83d\udc49\" \/> Check if you qualify for 3.30%. Use the <strong data-start=\"1748\" data-end=\"1775\">QUOTE FORM on this page<\/strong> (takes ~2 minutes). We\u2019ll confirm what you qualify for and show the best-fit options.<\/p><p><strong>Prefer to speak to a human first?<\/strong> <a href=\"https:\/\/calendly.com\/mortgage-advisors\/quick-chat-clone\" target=\"_blank\" rel=\"noopener\">Book a quick 15-minute call<\/a>.<\/p><p>*Important disclosure: 3.30% is a starting rate for select scenarios, subject to change and approval. Final rate depends on credit, down payment\/equity, income, property, and lender program.<\/p><h4>Who this featured rate is usually best for&#8230;<\/h4><p>This featured rate may be a good match if:<\/p><p><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/17.0.2\/svg\/2705.svg\" alt=\"\u2705\" \/> you have strong credit and solid repayment history<\/p><p><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/17.0.2\/svg\/2705.svg\" alt=\"\u2705\" \/> your income and documents are straightforward (or well-prepared if self-employed)<\/p><p><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/17.0.2\/svg\/2705.svg\" alt=\"\u2705\" \/> the property and mortgage request fits the specific lender criteria<\/p><p><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/17.0.2\/svg\/2705.svg\" alt=\"\u2705\" \/> you\u2019re comfortable with the term\/type that comes with that rate<\/p><p>Not sure? That\u2019s normal. Use the quote form and we\u2019ll tell you quickly if it fits \u2014 and what the best alternatives are if it doesn\u2019t.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5edc117 elementor-widget elementor-widget-image\" data-id=\"5edc117\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"400\" src=\"https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2026\/01\/who-this-mortgage-rate-is-for-1024x512.png\" class=\"attachment-large size-large wp-image-2683\" alt=\"\" srcset=\"https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2026\/01\/who-this-mortgage-rate-is-for-1024x512.png 1024w, https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2026\/01\/who-this-mortgage-rate-is-for-300x150.png 300w, https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2026\/01\/who-this-mortgage-rate-is-for-768x384.png 768w, https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2026\/01\/who-this-mortgage-rate-is-for-1536x768.png 1536w, https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2026\/01\/who-this-mortgage-rate-is-for.png 1600w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c851640 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"c851640\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cb3ce0f elementor-widget elementor-widget-heading\" data-id=\"cb3ce0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Current Mortgage Rates Canada (Rates Snapshot)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-951710d elementor-widget elementor-widget-text-editor\" data-id=\"951710d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>These are starting (&#8220;from&#8221;) rates for qualified borrowers. Your actual rate may differ &#8212; and that&#8217;s not unusual.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fbafa21 elementor-widget elementor-widget-html\" data-id=\"fbafa21\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<table style=\"border-collapse: collapse; width: 95.639%; height: 144px;\" border=\"1\">\r\n<tbody>\r\n<tr style=\"height: 18px;\">\r\n<td style=\"width: 12.6099%; height: 18px;\"><strong>Highlight<\/strong><\/td>\r\n<td style=\"width: 9.16165%; height: 18px;\"><strong>Term<\/strong><\/td>\r\n<td style=\"width: 9.97301%; height: 18px;\"><strong>Type<\/strong><\/td>\r\n<td style=\"width: 12.8127%; height: 18px;\"><strong>Starting Rate<\/strong><\/td>\r\n<td style=\"width: 35.5259%; height: 18px;\"><strong>Typical Fit<\/strong><\/td>\r\n<td style=\"width: 17.1551%; height: 18px;\"><strong>Next Step<\/strong><\/td>\r\n<\/tr>\r\n<tr style=\"height: 36px;\">\r\n<td style=\"width: 12.6099%; height: 36px;\">\u2b50 Featured<\/td>\r\n<td style=\"width: 9.16165%; height: 36px;\">5-Year<\/td>\r\n<td style=\"width: 9.97301%; height: 36px;\">Variable<\/td>\r\n<td style=\"width: 12.8127%; height: 36px;\">3.30%<\/td>\r\n<td style=\"width: 35.5259%; height: 36px;\">Strong, clean qualification<\/td>\r\n<td style=\"width: 17.1551%; height: 36px;\"><strong><a href=\"https:\/\/www.effortlessmortgage.ca\/mortgage-options.php?utm_source=rates-blog&amp;utm_medium=blog&amp;utm_campaign=rates_blog\" target=\"_blank\">Get My Rate<\/a><\/strong><\/td>\r\n<\/tr>\r\n<tr style=\"height: 36px;\">\r\n<td style=\"width: 12.6099%; height: 36px;\">&nbsp;<\/td>\r\n<td style=\"width: 9.16165%; height: 36px;\">3-Year<\/td>\r\n<td style=\"width: 9.97301%; height: 36px;\">Fixed<\/td>\r\n<td style=\"width: 12.8127%; height: 36px;\">4.04%<\/td>\r\n<td style=\"width: 35.5259%; height: 36px;\">Shorter commitment + Flexibility<\/td>\r\n<td style=\"width: 17.1551%; height: 36px;\"><strong><a href=\"https:\/\/www.effortlessmortgage.ca\/mortgage-options.php?utm_source=rates-blog&amp;utm_medium=blog&amp;utm_campaign=rates_blog\" target=\"_blank\">Get My Rate<\/a><\/strong><\/td>\r\n<\/tr>\r\n<tr style=\"height: 18px;\">\r\n<td style=\"width: 12.6099%; height: 18px;\">&nbsp;<\/td>\r\n<td style=\"width: 9.16165%; height: 18px;\">5-Year<\/td>\r\n<td style=\"width: 9.97301%; height: 18px;\">Fixed<\/td>\r\n<td style=\"width: 12.8127%; height: 18px;\">3.99%<\/td>\r\n<td style=\"width: 35.5259%; height: 18px;\">Predictability + Most Common Term<\/td>\r\n<td style=\"width: 17.1551%; height: 18px;\"><a href=\"https:\/\/www.effortlessmortgage.ca\/mortgage-options.php?utm_source=rates-blog&amp;utm_medium=blog&amp;utm_campaign=rates_blog\" target=\"_blank\"><strong>Get My Rate<\/strong><\/a><\/td>\r\n<\/tr>\r\n<tr style=\"height: 18px;\">\r\n<td style=\"width: 12.6099%; height: 18px;\">&nbsp;<\/td>\r\n<td style=\"width: 9.16165%; height: 18px;\">5-Year<\/td>\r\n<td style=\"width: 9.97301%; height: 18px;\">Variable<\/td>\r\n<td style=\"width: 12.8127%; height: 18px;\">3.30%<\/td>\r\n<td style=\"width: 35.5259%; height: 18px;\">Comfortable with Rate Movement<\/td>\r\n<td style=\"width: 17.1551%; height: 18px;\"><a href=\"https:\/\/www.effortlessmortgage.ca\/mortgage-options.php?utm_source=rates-blog&amp;utm_medium=blog&amp;utm_campaign=rates_blog\" target=\"_blank\"><strong>Get My Rate<\/strong><\/a><\/td>\r\n<\/tr>\r\n<tr style=\"height: 18px;\">\r\n<td style=\"width: 12.6099%; height: 18px;\">&nbsp;<\/td>\r\n<td style=\"width: 9.16165%; height: 18px;\">*HELOC<\/td>\r\n<td style=\"width: 9.97301%; height: 18px;\">Variable<\/td>\r\n<td style=\"width: 12.8127%; height: 18px;\">4.45%<\/td>\r\n<td style=\"width: 35.5259%; height: 18px;\">Flexible access to equity<\/td>\r\n<td style=\"width: 17.1551%; height: 18px;\"><a href=\"https:\/\/www.effortlessmortgage.ca\/mortgage-options.php?utm_source=rates-blog&amp;utm_medium=blog&amp;utm_campaign=rates_blog\" target=\"_blank\"><strong>Get My Rate<\/strong><\/a><\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-81b2e55 elementor-widget elementor-widget-text-editor\" data-id=\"81b2e55\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong data-start=\"483\" data-end=\"518\">Not every file fits a bank box.<\/strong> If an A-lender isn\u2019t the right match right now, we also arrange solutions through <strong data-start=\"601\" data-end=\"634\">B lenders and private lenders<\/strong> for qualified borrowers (ON\/AB).<\/p><p>*A HELOC (Home Equity Line of Credit) is a revolving credit line secured against your home. You can borrow, repay, and borrow again \u2014 and interest is typically based on <strong data-start=\"1493\" data-end=\"1523\">Prime plus a lender margin<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a6a6c4e elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"a6a6c4e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b6cd96 elementor-widget elementor-widget-heading\" data-id=\"2b6cd96\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\ud83d\udc49 Get My Personalized Rate Options<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-960e300 elementor-widget elementor-widget-text-editor\" data-id=\"960e300\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"3363\" data-end=\"3495\">Use the <strong data-start=\"3413\" data-end=\"3440\">quote form on this page<\/strong> to confirm what you qualify for (fast, no obligation).<\/p><p data-start=\"3497\" data-end=\"3668\"><strong data-start=\"3497\" data-end=\"3514\">*Disclosure:<\/strong> \u201cFrom\u201d rates are subject to change and approval. Rates vary by down payment\/equity, credit, income type, property type, amortization, and lender program.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a01fa4 elementor-widget elementor-widget-heading\" data-id=\"5a01fa4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What Impacts Your Mortgage Rate<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-268b3c0 elementor-widget elementor-widget-text-editor\" data-id=\"268b3c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"4731\" data-end=\"4834\">Two people can apply the same week and get different rates. That\u2019s normal \u2014 lenders price risk and fit.<\/p><p data-start=\"4836\" data-end=\"4865\"><strong>Here are the biggest factors:<\/strong><\/p><ul data-start=\"4867\" data-end=\"5552\"><li data-start=\"4867\" data-end=\"4944\"><p data-start=\"4869\" data-end=\"4944\"><strong data-start=\"4869\" data-end=\"4895\">Down payment \/ equity:<\/strong> under 20% down is priced differently than 20%+<\/p><\/li><li data-start=\"4945\" data-end=\"5046\"><p data-start=\"4947\" data-end=\"5046\"><strong data-start=\"4947\" data-end=\"4968\">Mortgage purpose:<\/strong> <strong data-start=\"4969\" data-end=\"4981\">purchase<\/strong>, <strong data-start=\"4983\" data-end=\"5003\">renewal\/transfer<\/strong>, and <strong data-start=\"5009\" data-end=\"5022\">refinance<\/strong> can price differently<\/p><\/li><li data-start=\"5047\" data-end=\"5138\"><p data-start=\"5049\" data-end=\"5138\"><strong data-start=\"5049\" data-end=\"5068\">Credit profile:<\/strong> not just score \u2014 also history, utilization, and any missed payments<\/p><\/li><li data-start=\"5139\" data-end=\"5232\"><p data-start=\"5141\" data-end=\"5232\"><strong data-start=\"5141\" data-end=\"5157\">Income type:<\/strong> salaried vs self-employed vs variable income (how it\u2019s verified matters)<\/p><\/li><li data-start=\"5233\" data-end=\"5305\"><p data-start=\"5235\" data-end=\"5305\"><strong data-start=\"5235\" data-end=\"5251\">Debt levels:<\/strong> lenders look at how your payments compare to income<\/p><\/li><li data-start=\"5306\" data-end=\"5385\"><p data-start=\"5308\" data-end=\"5385\"><strong data-start=\"5308\" data-end=\"5326\">Property type:<\/strong> house vs condo, owner-occupied vs rental, location, etc.<\/p><\/li><li data-start=\"5386\" data-end=\"5462\"><p data-start=\"5388\" data-end=\"5462\"><strong data-start=\"5388\" data-end=\"5405\">Amortization:<\/strong> longer amortizations can change the available programs<\/p><\/li><li data-start=\"5463\" data-end=\"5552\"><p data-start=\"5465\" data-end=\"5552\"><strong data-start=\"5465\" data-end=\"5487\">Mortgage features:<\/strong> some ultra-low-rate products come with stricter penalties\/limits<\/p><\/li><\/ul><p data-start=\"5554\" data-end=\"5689\"><strong data-start=\"5554\" data-end=\"5570\">Bottom line:<\/strong> you\u2019re not shopping for a number&#8230;you\u2019re shopping for a mortgage that fits your life and protects you from surprises.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5bc07fa elementor-widget elementor-widget-heading\" data-id=\"5bc07fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Choose Your Situation<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-16b956c elementor-widget elementor-widget-text-editor\" data-id=\"16b956c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5>1) Buying a Home (Purchase)<\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a5fb6d5 elementor-widget elementor-widget-text-editor\" data-id=\"a5fb6d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"5754\" data-end=\"5804\">If you\u2019re buying, your goal is usually to balance:<\/p><ul data-start=\"5805\" data-end=\"5941\"><li data-start=\"5805\" data-end=\"5856\"><p data-start=\"5807\" data-end=\"5856\">a payment that fits your real monthly budget, and<\/p><\/li><li data-start=\"5857\" data-end=\"5941\"><p data-start=\"5859\" data-end=\"5941\">an approval plan that reflects your income properly (especially if self-employed).<\/p><\/li><\/ul><p data-start=\"5943\" data-end=\"6106\"><strong data-start=\"5943\" data-end=\"5958\">Smart move:<\/strong> many buyers benefit from a <strong data-start=\"5986\" data-end=\"6023\">rate hold \/ pre-approval strategy<\/strong> while they shop. It gives you clarity and helps reduce stress during negotiations.<\/p><p data-start=\"6108\" data-end=\"6164\"><strong data-start=\"6108\" data-end=\"6122\">Next step:<\/strong> Use the quote form \u2192 select <strong data-start=\"6151\" data-end=\"6163\">Purchase<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b2ba3a4 elementor-widget elementor-widget-text-editor\" data-id=\"b2ba3a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5>2) Renewing Your Mortgage (Renewal\/Transfer)<\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff8c155 elementor-widget elementor-widget-text-editor\" data-id=\"ff8c155\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"6222\" data-end=\"6341\">Renewal is where people often overpay \u2014 not because they did anything wrong, but because it\u2019s easy to sign and move on.<\/p><p data-start=\"6343\" data-end=\"6368\">Before you sign, compare:<\/p><ul data-start=\"6369\" data-end=\"6513\"><li data-start=\"6369\" data-end=\"6391\"><p data-start=\"6371\" data-end=\"6391\"><strong data-start=\"6371\" data-end=\"6379\">Rate<\/strong> (obviously)<\/p><\/li><li data-start=\"6392\" data-end=\"6443\"><p data-start=\"6394\" data-end=\"6443\"><strong data-start=\"6394\" data-end=\"6411\">Penalty rules<\/strong> (huge if you might break early)<\/p><\/li><li data-start=\"6444\" data-end=\"6513\"><p data-start=\"6446\" data-end=\"6513\"><strong data-start=\"6446\" data-end=\"6461\">Flexibility<\/strong> (prepayments, portability, ability to change later)<\/p><\/li><\/ul><p data-start=\"6515\" data-end=\"6576\">If you already have a renewal offer, we can quickly tell you:<\/p><ul data-start=\"6577\" data-end=\"6677\"><li data-start=\"6577\" data-end=\"6599\"><p data-start=\"6579\" data-end=\"6599\">if it\u2019s competitive,<\/p><\/li><li data-start=\"6600\" data-end=\"6626\"><p data-start=\"6602\" data-end=\"6626\">what alternatives exist,<\/p><\/li><li data-start=\"6627\" data-end=\"6677\"><p data-start=\"6629\" data-end=\"6677\">and whether the terms could cost you more later.<\/p><\/li><\/ul><p data-start=\"6679\" data-end=\"6749\"><strong data-start=\"6679\" data-end=\"6693\">Next step:<\/strong> Use the quote form on this page \u2192 select <strong data-start=\"6722\" data-end=\"6731\">Renew<\/strong> (or <a href=\"https:\/\/calendly.com\/mortgage-advisors\/quick-chat-clone\" target=\"_blank\" rel=\"noopener\">book a call<\/a>).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c20708a elementor-widget elementor-widget-text-editor\" data-id=\"c20708a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5>3) Refinancing \/ Debt Consolidation \/ Accessing Equity<\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a9b75dd elementor-widget elementor-widget-text-editor\" data-id=\"a9b75dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"6815\" data-end=\"6940\">If you\u2019re looking to consolidate debt, fund renovations, or access equity, the best option depends on your current situation.<\/p><p data-start=\"6942\" data-end=\"7022\">Sometimes a traditional refinance works. Other times it doesn\u2019t \u2014 especially if:<\/p><ul data-start=\"7023\" data-end=\"7125\"><li data-start=\"7023\" data-end=\"7044\"><p data-start=\"7025\" data-end=\"7044\">income has changed,<\/p><\/li><li data-start=\"7045\" data-end=\"7069\"><p data-start=\"7047\" data-end=\"7069\">debt ratios are tight,<\/p><\/li><li data-start=\"7070\" data-end=\"7125\"><p data-start=\"7072\" data-end=\"7125\">or lender rules make it harder in the current market.<\/p><\/li><\/ul><p data-start=\"7127\" data-end=\"7194\">Even then, there can be alternatives depending on equity and goals:<\/p><ul data-start=\"7195\" data-end=\"7293\"><li data-start=\"7195\" data-end=\"7215\"><p data-start=\"7197\" data-end=\"7215\"><strong data-start=\"7197\" data-end=\"7215\">HELOC strategy<\/strong><\/p><\/li><li data-start=\"7216\" data-end=\"7234\"><p data-start=\"7218\" data-end=\"7234\"><strong data-start=\"7218\" data-end=\"7234\">2nd mortgage<\/strong><\/p><\/li><li data-start=\"7235\" data-end=\"7293\"><p data-start=\"7237\" data-end=\"7293\"><strong data-start=\"7237\" data-end=\"7269\">alternative lender solutions<\/strong> (when the bank says no)<\/p><\/li><\/ul><p data-start=\"7295\" data-end=\"7352\"><strong data-start=\"7295\" data-end=\"7309\">Next step:<\/strong> Use the quote form \u2192 select <strong data-start=\"7338\" data-end=\"7351\">Refinance<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-476d996 elementor-widget elementor-widget-heading\" data-id=\"476d996\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Fixed vs Variable<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b8e4af elementor-widget elementor-widget-text-editor\" data-id=\"1b8e4af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"7402\" data-end=\"7529\"><strong data-start=\"7402\" data-end=\"7417\">Fixed rate:<\/strong> your rate stays the same during the term.<br data-start=\"7459\" data-end=\"7462\" \/>Best for: people who want predictable payments and fewer surprises.<\/p><p data-start=\"7531\" data-end=\"7656\"><strong data-start=\"7531\" data-end=\"7549\">Variable rate:<\/strong> your rate can move up or down over time.<br data-start=\"7590\" data-end=\"7593\" \/>Best for: people with budget flexibility who can handle change.<\/p><p data-start=\"7658\" data-end=\"7682\"><strong>A simple decision guide:<\/strong><\/p><ul data-start=\"7683\" data-end=\"7996\"><li data-start=\"7683\" data-end=\"7760\"><p data-start=\"7685\" data-end=\"7760\">If you want <strong data-start=\"7697\" data-end=\"7716\">calm and stable<\/strong>, fixed is usually the safer-feeling choice.<\/p><\/li><li data-start=\"7761\" data-end=\"7866\"><p data-start=\"7763\" data-end=\"7866\">If you have <strong data-start=\"7775\" data-end=\"7790\">wiggle room<\/strong>, variable can make sense \u2014 but you need to be comfortable with uncertainty.<\/p><\/li><li data-start=\"7867\" data-end=\"7996\"><p data-start=\"7869\" data-end=\"7996\">If you might <strong data-start=\"7882\" data-end=\"7917\">sell, refinance, or break early<\/strong>, ask about <strong data-start=\"7929\" data-end=\"7942\">penalties<\/strong> before choosing. This can matter as much as the rate.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ee8fd45 elementor-widget elementor-widget-heading\" data-id=\"ee8fd45\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What Matters More Than Rate<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-348d088 elementor-widget elementor-widget-text-editor\" data-id=\"348d088\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"8053\" data-end=\"8155\">Two mortgages can have the same rate \u2014 but one can be far more expensive later depending on its rules.<\/p><p data-start=\"8157\" data-end=\"8178\"><strong>Before choosing, ask:<\/strong><\/p><ul data-start=\"8179\" data-end=\"8420\"><li data-start=\"8179\" data-end=\"8221\"><p data-start=\"8181\" data-end=\"8221\">What\u2019s the <strong data-start=\"8192\" data-end=\"8203\">penalty<\/strong> if I break early?<\/p><\/li><li data-start=\"8222\" data-end=\"8270\"><p data-start=\"8224\" data-end=\"8270\">Can I make <strong data-start=\"8235\" data-end=\"8256\">lump-sum payments<\/strong> without fees?<\/p><\/li><li data-start=\"8271\" data-end=\"8333\"><p data-start=\"8273\" data-end=\"8333\">Can I <strong data-start=\"8279\" data-end=\"8300\">increase payments<\/strong> if I want to pay it down faster?<\/p><\/li><li data-start=\"8334\" data-end=\"8365\"><p data-start=\"8336\" data-end=\"8365\">Is it <strong data-start=\"8342\" data-end=\"8354\">portable<\/strong> if I move?<\/p><\/li><li data-start=\"8366\" data-end=\"8420\"><p data-start=\"8368\" data-end=\"8420\">Are there restrictions that limit refinancing later?<\/p><\/li><\/ul><p data-start=\"8422\" data-end=\"8564\">We\u2019ll translate the fine print into plain language so you don\u2019t get stuck with a \u201clow-rate mortgage\u201d that becomes expensive when life changes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7782222 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"7782222\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13dd657 elementor-widget elementor-widget-image\" data-id=\"13dd657\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.effortlessmortgage.ca\/private-mortgage.php\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"200\" src=\"https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2022\/09\/private-mortgage-bad-credit-1024x256.png\" class=\"attachment-large size-large wp-image-1400\" alt=\"Private mortgage with bad credit\" srcset=\"https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2022\/09\/private-mortgage-bad-credit-1024x256.png 1024w, https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2022\/09\/private-mortgage-bad-credit-300x75.png 300w, https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2022\/09\/private-mortgage-bad-credit-768x192.png 768w, https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2022\/09\/private-mortgage-bad-credit-1536x384.png 1536w, https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2022\/09\/private-mortgage-bad-credit.png 1584w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d640479 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"d640479\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e3c9bc elementor-widget elementor-widget-heading\" data-id=\"6e3c9bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-feb5720 elementor-widget elementor-widget-text-editor\" data-id=\"feb5720\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"2754\" data-end=\"2905\">We keep this page updated so you can check <strong data-start=\"1007\" data-end=\"1040\">current mortgage rates Canada<\/strong> without hunting across multiple sites.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5bd1bdc elementor-widget elementor-widget-heading\" data-id=\"5bd1bdc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Are these rates the same in every province?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e062e0a elementor-widget elementor-widget-text-editor\" data-id=\"e062e0a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"2754\" data-end=\"2905\">Rates are often advertised Canada-wide, but availability depends on lender programs and your details. We serve borrowers in <strong data-start=\"8935\" data-end=\"8963\">Ontario and Alberta.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-df7073c elementor-widget elementor-widget-heading\" data-id=\"df7073c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Will requesting a quote hurt my credit score?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9b4da05 elementor-widget elementor-widget-text-editor\" data-id=\"9b4da05\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"2754\" data-end=\"2905\">Requesting info doesn\u2019t automatically affect credit. If a full application needs a credit check, we\u2019ll tell you first.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-364a5ac elementor-widget elementor-widget-heading\" data-id=\"364a5ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">My bank gave me a renewal offer - should I still compare?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f3a975 elementor-widget elementor-widget-text-editor\" data-id=\"8f3a975\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"2754\" data-end=\"2905\">Often, yes\u2014<strong data-start=\"5326\" data-end=\"5343\">interest-only<\/strong> keeps monthly cost lower during your short timeline. Some lenders allow principal + interest; we can always look into this for you.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51e8ac3 elementor-widget elementor-widget-heading\" data-id=\"51e8ac3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What fees should I expect at closing?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d0468d1 elementor-widget elementor-widget-text-editor\" data-id=\"d0468d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"2754\" data-end=\"2905\">Usually <strong data-start=\"5512\" data-end=\"5534\">lender\/broker fees<\/strong> (percent of loan, typically 1%) plus <strong data-start=\"5558\" data-end=\"5591\">legal, appraisal, admin\/title<\/strong>. We quote <strong data-start=\"5602\" data-end=\"5612\">all-in<\/strong> so you can compare to the benefit.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d744817 elementor-widget elementor-widget-heading\" data-id=\"d744817\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What if refinancing isn't possible right now?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f374db elementor-widget elementor-widget-text-editor\" data-id=\"7f374db\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"2754\" data-end=\"2905\">You may still have options depending on your equity and goals. We\u2019ll review what fits (and what doesn\u2019t) so you can make a clear decision.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e4319ca elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"e4319ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d9a6455 elementor-widget elementor-widget-heading\" data-id=\"d9a6455\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ready to Explore Your Options?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-657b8c2 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"657b8c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Contact Effortless Mortgage today to get connected with trusted private lenders Ontario homeowners rely on.<\/p>\n<p data-pm-slice=\"1 1 []\">We have VIP relationships with over 90+ banks,\u00a0<a href=\"https:\/\/www.effortlessmortgage.ca\/b-lender-mortgage.php\" target=\"_blank\" rel=\"noopener\">b lenders<\/a>\u00a0and\u00a0<a href=\"https:\/\/www.effortlessmortgage.ca\/private-mortgage.php\" target=\"_blank\" rel=\"noopener\">private mortgage lenders<\/a>\u00a0including our own in-house private lender with $0 broker fee.<\/p>\n<p><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/16.0.1\/svg\/1f4f2.svg\" alt=\"\ud83d\udcf2\" \/> <strong>Call us at 1-888-978-4984<\/strong><br \/><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/16.0.1\/svg\/1f4e9.svg\" alt=\"\ud83d\udce9\" \/> <strong>Email <\/strong><a><strong>info@effortlessmortgage.ca<\/strong><\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f4cd270 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f4cd270\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-53a3e08\" data-id=\"53a3e08\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8602ad3 elementor-widget elementor-widget-image\" data-id=\"8602ad3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/calendly.com\/mortgage-advisors\/quick-chat?month=2022-07\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"364\" height=\"113\" src=\"https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2021\/07\/Book-a-15-Min-Call.png\" class=\"attachment-full size-full wp-image-806\" alt=\"Book-a-15-Min-Call\" srcset=\"https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2021\/07\/Book-a-15-Min-Call.png 364w, https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2021\/07\/Book-a-15-Min-Call-300x93.png 300w\" sizes=\"(max-width: 364px) 100vw, 364px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>See current mortgage rates in Canada including a featured 3.64% starting rate, plus what affects your rate. Serving ON, AB &#038; BC.<\/p>\n","protected":false},"author":1,"featured_media":2694,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[43,46,9,42],"tags":[],"table_tags":[],"class_list":["post-2682","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgage-options","category-home-purchase","category-mortgage-basics","category-private-mortgage"],"_links":{"self":[{"href":"https:\/\/effortlessmortgage.ca\/blogs\/wp-json\/wp\/v2\/posts\/2682","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/effortlessmortgage.ca\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/effortlessmortgage.ca\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/effortlessmortgage.ca\/blogs\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/effortlessmortgage.ca\/blogs\/wp-json\/wp\/v2\/comments?post=2682"}],"version-history":[{"count":63,"href":"https:\/\/effortlessmortgage.ca\/blogs\/wp-json\/wp\/v2\/posts\/2682\/revisions"}],"predecessor-version":[{"id":2820,"href":"https:\/\/effortlessmortgage.ca\/blogs\/wp-json\/wp\/v2\/posts\/2682\/revisions\/2820"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/effortlessmortgage.ca\/blogs\/wp-json\/wp\/v2\/media\/2694"}],"wp:attachment":[{"href":"https:\/\/effortlessmortgage.ca\/blogs\/wp-json\/wp\/v2\/media?parent=2682"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/effortlessmortgage.ca\/blogs\/wp-json\/wp\/v2\/categories?post=2682"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/effortlessmortgage.ca\/blogs\/wp-json\/wp\/v2\/tags?post=2682"},{"taxonomy":"table_tags","embeddable":true,"href":"https:\/\/effortlessmortgage.ca\/blogs\/wp-json\/wp\/v2\/table_tags?post=2682"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}