Get the best mortgage rate with the best conditions

Guaranteed, or we give you $100*

Ubee Mortgages shops among 24 banks and lenders. You save thousands of dollars in interest fees.

Smiling Ubee mortgage broker in front of his computer
Ubee Mortgages $100 guarantee badge

Ubee Mortgages shops among 24 recognized institutions to find you the best rate, with the best conditions!

Banks, financial institutions and recognized lenders: a Ubee broker compares the 24 institutions for you, negotiates on your behalf, and supports you all the way to signing — at no cost and with no commitment.

Today's Best Mortgage Rates
Fixed rate
4.04%
3 years fixed**
Variable rate
3.55%
5 years variable**
24 mortgage lenders compared

24 recognized lenders

24 recognized lenders competing for you. Save thousands of dollars in interest fees.

Best mortgage rate negotiated

The best rate

Ubee Mortgages not only finds the best rate, but also negotiates the best terms for you.

$100 best mortgage rate guarantee

Receive $100*

Ubee Mortgages will give you $100* if you find a lower mortgage rate with the same terms elsewhere.

Fast digital mortgage process

Simplified process

Everything is digital, transparent and fast. Accessible from all your devices.

Free mortgage calculator

Estimate your mortgage payments in seconds with our mortgage calculator. Compare scenarios based on your down payment, interest rate, and term length.

Mortgage payment calculator

Quick, free, no commitment.

5%5%50%

Down payment: 25 000 $ (5%)

Amortization
Payment frequency
Calculator

Financed amount

475 000 $

Monthly payment: 2 391 $

*Estimate only

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Frequently asked questions

If you receive a final acceptance through Ubee and another lender offers you better terms, we cancel your file and give you $100*. Simply provide written proof (email, offer letter, or PDF) of a valid and comparable offer.

The first step is pre-qualification: this confirms your purchasing capacity. Once you find a property, your file is officially submitted to the lender. There is no obligation to accept an offer at any stage.

The fixed rate offers stable and predictable payments. The variable rate follows the Bank of Canada's key interest rate. It has historically been advantageous and typically comes with lower penalties if you break the term. The hybrid rate (50/50) combines both. The best choice depends on your risk tolerance and your plans. A Ubee broker can guide you in selecting the product that best fits your needs from across our network of lenders.

Whether it's for a purchase, renewal, rental property, or plex, Ubee can help you.

Yes. Ubee uses secure platforms that comply with industry standards. All our brokers are certified and regulated.

If you're ready and have all your documents on hand, pre-qualification can be completed in as little as 15 minutes.

At renewal, your rate is renegotiated at the end of the term. Ubee shops your mortgage renewal across 24 lenders to get you the best possible rate — rather than accepting the automatic offer from your current institution, which is rarely the most advantageous. Start 4 to 6 months before maturity to maximize savings.

Mortgage refinancing means renegotiating your current loan to access your home equity, consolidate debts, or benefit from a better rate. A Ubee mortgage broker analyzes your situation, calculates any prepayment penalties, and determines whether refinancing is profitable for you.

Yes. A mortgage transfer moves your loan to a new lender, often to benefit from a better rate. Ubee compares offers from 24 institutions, calculates transfer fees and penalties, and presents you with a clear scenario before you decide.

Ubee partner mortgage broker

Are you a mortgage broker? Book an appointment to work with Ubee and join our team.

*Certain conditions apply. Equivalent offers based on terms, amount, duration, product type, and fees. Guarantee applicable only after a complete pre-approval. The gift card is not conditional on obtaining a loan with Ubee.

**Subject to lender approval and applicable mortgage default insurance. Other conditions and restrictions may apply. Rate in effect as of today.