Over the past decade, we have helped millions of Canadians make smarter financial decisions. Ratehub.ca is the one constant you can depend on.
We exist to ensure Canadians are informed so they make better financial choices.
Over the past decade, we have helped millions of Canadians make smarter financial decisions by providing the best tools, advice and rates in the market.
With roots as an early innovator in the online mortgage world, Ratehub.ca became the first comparison service to integrate an in-house mortgage brokerage (the award-winning Ratehub.ca mortgage brokerage, formerly known as CanWise Financial). Since then, we’ve continued to grow with the addition of auto & home insurance quoting, credit card comparison, GIC & chequing account applications and much more. See what we have to offer here.
Our core belief is that it should be easier for all Canadians to choose better personal finance. Access to better financial tools, education and product comparisons should be a right for everyone, not just the privileged few.
So, how do we make money? If Ratehub.ca has a relationship with a financial provider, we receive compensation when our users connect or apply for the products offered on our website. It’s important to note that many of the products we list on our website are not monetized, but we aim to give you a representation of the market. We also own and operate our in-house, award-winning Ratehub.ca mortgage brokerage (formerly known as CanWise Financial), and are compensated for mortgages funded through the brokerage.
Any products we receive compensation for are labelled either ‘featured,’ ‘sponsored’ or ‘promoted’ and they will always be clearly identified.
Ratehub.ca does not include the entire universe of available financial or credit offers in Canada. Some reasons products are not displayed include:
- Ratehub.ca does not have a monetized partnership with the provider for certain products
- Some providers have opted out of displaying their products on our site
- Products from some financial institutions are simply too restrictive to be effective on a financial comparison website
What are some reasons a product would be too restrictive for a price comparison website?
Products that we would deem as too restrictive for a price comparison website would either not apply to a big enough market or they would have an inefficient acquisition process.
Mortgage rates advertising disclosure
Most of the products listed on our website are from partners who compensate us. Products marked as “featured” or “sponsored” in our comparison tables are compensated, and are ranked above those that are not compensated.
Ratehub.ca receives compensation when our users connect with providers and/ or are approved for products offered on our website. We also own and operate the Ratehub.ca mortgage brokerage and are compensated for mortgages funded through our brokerage. Ratehub Inc. o/a Ratehub.ca & CanWise Financial is a licensed mortgage brokerage and CMHC-approved lender.
We strive to offer our users a variety of the best products available in the market to compare but you will not find all offers listed on our website.
Mortgage statement
The mortgage rates shown are dependent on the search criteria you have provided. A lender may offer different rates when you apply for your mortgage if any of these details differ, or if rates have changed. In some instances, rates may also vary based on your credit or payment history. Additional terms and conditions may apply.
The default mortgage rates advertised on our website are based on the following assumptions: an excellent credit borrower looking for a home purchase loan for a single family home for personal occupancy priced at under $1,000,000 with a down payment of less than 20 per cent (i.e. a high-ratio, insured mortgage).
All mortgages have specific qualification criteria including debt servicing ratios, credit, property value and property details. Rates and Monthly Payment Amounts shown in the Mortgage Comparison Chart are examples only and do not take into consideration homeowners insurance or property taxes. For more details, click here for Ratehub.ca’s Terms of Use. Further, data displayed in Ratehub.ca’s Mortgage Comparison Chart does not take into consideration your personal financial situation, appraised value of your home, actual credit score, income, existing debt, or other circ*mstances particular to an individual.
General rates advertising disclosure
The fields at the top of our product comparison tables allow users to input details on their personal financial situation. Once inputted, the tables dynamically update to feature products best suited to the user. Terms and conditions will apply.
Once you submit a request to connect with a provider, you have agreed to be contacted by the 3rd party provider and or Ratehub.ca. Please click here if you would like more details on our Privacy Policy and click here for our Terms of Use.
Privacy policy
Once you you submit a request to connect with a provider, you have agreed to be contacted by the 3rd party provider and or Ratehub.ca. Please click here if you would like more details on our Privacy Policy and click here for our Terms of Use.
Meet the executive team
Alyssa Furtado
Co-Founder
Chris Richard
Principal Software Engineer
Chris Skoblenick
VP Engineering
James Laird
Co-Founder and Broker of Record
Jamie David
Sr. Director of Marketing and Mortgages
Jennifer Pollock
VP of Finance and Operations
Matt Hands
VP, Insurance and MoneySense
Naga Parvatharajan
CEO
Natasha Macmillan
Business Unit Director - Everyday Banking
meet everyone
A few things we’re proud of
1,200,000
monthly users
11 years
young
Over 1M
better choices made
Trusted partner
to Canada’s top financial institutions
Latest press releases
Ratehub Inc. welcomes Naga Parvatharajan as new CEO
Ratehub Inc., a leading Canadian financial technology company, is pleased to announce the appointment of Naga Parvatharajan as the company’s new Chief Executive Officer.
read press releaseRatehub Inc. reaches milestone of $10 billion in mortgages funded
The Canadian financial technology company is on track to closing over $3 billion this year, making it the largest digital mortgage originator in Canada.
read press releaseRatehub Inc. rebrands award-winning mortgage brokerage from CanWise Financial to Ratehub.ca
The rebrand will simplify the mortgage journey for customers.
Read press release
