Everything to know before you call
Broker or branch
The honest comparison, line by line. Your bank does its job well — but it only has one product to sell you: its own.
What half a point is worth
On a $400,000 mortgage amortized over 25 years, here's the interest gap paid over a five-year term. Rounded figures, for illustration.
About $55 less per month on your payment.
About $110 less per month, and principal paid down faster.
The typical gap between a posted rate and a well-negotiated one.
That's all it takes to know where you stand. No commitment, no credit check before your consent.
Examples provided for illustration only, calculated on interest paid over a five-year term, monthly payments. Rates vary by lender, your credit file, the nature of the property and the type of term. Rates subject to change without notice, and any offer remains subject to lender approval.
What Our Clients Say
“My bank offered 5.29% at renewal. Karine found 4.64%. The transfer cost nothing.”
Nathalie D.
“Self-employed, refused twice. Financed in ten days by a lender I'd never heard of.”
Jean-Michel T.
“First home at 26. She explained everything to us twice, without making us feel dumb.”
Camille and Alexis
Get your free pre-approval.
Twenty minutes on the phone, a letter the same day, a rate protected for up to 120 days. No fees, no commitment, and no credit check without your consent.