Interest Rates are subject to change and based on the assumption that you are buying or refinancing an owner-occupied, single-family home or Investment Property. The Annual Percentage Rate (APR) is based on the loan amount and may include origination charges and / or bona fide discount points. The APR and interest rates for an adjustable rate mortgage (ARM) are subject to potential increases over the life of the loan, once the initial fixed-rate period expires. The APR does not include taxes and insurance premiums.

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Service Disclaimer: By using the Services, you understand and acknowledge that Themortgagerate.ca provides a platform for Users to get information on and compare current Mortgage Rates offered by various lenders. Themortgagerate.ca is not a provider, vendor or broker of Financial Product, nor is it a financial advisor. The information provided on the Website is provided for information purposes only and is not and should not be construed as financial advice or any other kind of advice. Themortgagerate.ca makes no representations or warranties about the accuracy of any information contained on the Website, and shall not be responsible for any inaccuracies, misrepresentations, errors or omissions in the information provided therein, and some information may not always be up to date. Additionally, some of the information about certain Financial Products appearing on the Website is provided directly by Vendors, not by Themortgagerate.ca (“Vendor Content”). As between Themortgagerate.ca and Vendor, Vendors are exclusively responsible for Vendor Content, and Themortgagerate.ca shall not be responsible for any Vendor Content or for any inaccuracies in any Vendor Content or any losses, claims, expenses, damages, or liabilities that arise as a result of any Vendor Content. Users are strongly encouraged to use common sense and discretion and to do their own research before relying on any of the information provided by the Website, and to consult an independent competent professional (such as, without limitation, an accountant, real estate agent, mortgage broker, insurance broker, or lawyer) before transacting with any Vendor for any Financial Product. We are not responsible for any advice provided by any professional you consult, nor are we responsible for the acts or omissions of any Vendor or User or for any actual, failed, proposed or discussed transaction following your use of the Services or any other decisions you make as a result of using the Website and/or Services. Users hereby understand and agree to use the information contained on this Website at their own risk.

No statement on this site is a commitment to make Mortgages. Mortgages are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet Mortgages-to-Value requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines and are subject to change without notice based on applicant’s eligibility and market conditions. Refinancing an existing Mortgages may result in total finance charges being higher over the life of Mortgages. Reduction in payments may reflect a longer Mortgages term. Terms of any Mortgages may be subject to payment of points and fees by the applicant.

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