WELCOME TO RAPID RATES
We compare hundreds of mortgage products from 50+ lenders
across Canada — so you get the lowest rate, fast and free.
Numerous
Satisfied Clients
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Explore competitive rates, flexible terms, and personalized solutions designed to fit your financial goals.
At Rapid Rates, we believe every Canadian deserves access to the lowest mortgage rate — without the confusion, the back-and-forth, or the bank pressure.
Founded in Toronto, Rapid Rates is a licensed Canadian mortgage brokerage helping homebuyers, homeowners, and investors across the country find the best possible mortgage from more than 50 banks, credit unions, and alternative lenders. Our team of licensed advisors guides you from first question to final signature.
About Us
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Lucas Abraham
Company CEO
Our Services
Lock in today's best rate for up to 120 days before you start house hunting. Our pre-approval strengthens your offer and protects you from rising rate
Tailored programs for first-time buyers in Canada, including insured mortgages with as little as 5% down and access to the First Home Savings Account (FHSA).
Don't let your bank auto-renew at a high rate. We shop 50+ lenders on your behalf and secure you a better deal — weeks before your term expires.
Access your home's equity to consolidate debt, fund renovations, or reduce your monthly payments. We find the best refinancing rate available to you today.
Flexible income verification options designed for business owners and freelancers. We work with lenders who understand how self-employed income works in Canada.
Competitive financing solutions for rental properties and real estate investors. We help you grow your Canadian property portfolio with the right mortgage strategy.
Why Choose Us
Skip the bank lineups. Our online pre-approval takes minutes and locks in today’s best rate for up to 120 days — giving you full confidence before you start house hunting.
Our streamlined digital application requires zero paperwork and no branch visits. Submit your details securely from home and receive a personalized rate quote within 1 business hour.
In just three simple steps, Rapid Rates compares offers from 50+ Canadian lenders and helps you secure the mortgage that fits your life and your budget.
Share a few details about your home, income, and goals in our secure online form. It takes less than two minutes and won’t affect your credit score.
Our smart matching engine and licensed brokers scan banks, credit unions, and alternative lenders to find the lowest rates and best terms you qualify for.
Choose the option you love, and we handle the paperwork with your lender. You stay updated at every stage until the day you get your keys.
Adjust the purchase price, down payment, interest rate, and amortization period to see an instant estimate of your mortgage payment before taxes and insurance.
This calculator provides an estimate only. Actual payment amounts depend on your lender, mortgage product, and credit profile.
Even a small change in rate can save you thousands over your term. Compare offers from multiple lenders before you lock in.
Our Partners
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Our Team
Company CEO
Head Marketing
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Inventory
Testimonials
I was nervous about the mortgage process as a first-time buyer, but Rapid Rates made it incredibly simple. They found me a rate that was 0.55% lower than what my bank offered — saving me over $9,000 over my 5-year term. I couldn’t be happier!
First-Time Home Buyer
Toronto, ON
We were renewing our mortgage and assumed we’d just go back to TD. Rapid Rates showed us options we didn’t know existed. The whole process was online and our advisor was available on weekends. Saved us $7,200 in interest over our term.
Homeowners
Vancouver, BC
As a self-employed contractor, I always thought getting a mortgage would be a nightmare. My Rapid Rates broker understood exactly what lenders needed from me and got me approved within 48 hours at a rate I couldn’t believe. Truly exceptional service.
Self-Employed
Calgary, AB
I refinanced with Rapid Rates to consolidate my debt and lower my monthly costs. My advisor was patient, explained everything clearly, and never pushed me toward any product. In the end I saved $480 per month. Game changer for our family budget.
Homeowner — Refinance
Montréal, QC
We were upgrading to a larger home in a hot market and needed a pre-approval fast. Rapid Rates had everything sorted quickly . Our pre-approval gave us the confidence to make a firm offer — and we got the house! Highly recommend.
Move-Up Buyers
Ottawa, ON
I’ve purchased three investment properties over the past four years and Rapid Rates has handled every single one. Their knowledge of rental property financing is unmatched. They always find a creative solution and deliver on time.
Real Estate Investor
Mississauga, ON
FAQs
Most clients receive a mortgage pre-approval within minutes of submitting their application. In many cases, we can provide a same-day rate quote. Our online process is fully digital — no branch visit required.
No. Getting a rate quote or pre-approval through Rapid Rates does not impact your credit score. A soft credit pull is used to generate your estimate. A hard credit pull is only done when you formally apply with a lender — and even then, multiple mortgage inquiries within 14 days are treated as one inquiry by Canadian credit bureaus.
For homes priced under $500,000, the minimum down payment is 5%. For homes between $500,000 and $999,999, it's 5% on the first $500,000 and 10% on the remaining amount. Homes priced at $1,000,000 or more require at least 20% down.
Absolutely. We work with several lenders who specialize in self-employed mortgages and offer flexible income verification options — including bank statement programs. Whether you've been self-employed for 2 years or 10 years, we can find a solution that works for your income structure.
Through Rapid Rates, most lenders offer rate holds of up to 120 days. This means you can lock in today's rate while you continue house hunting, protecting yourself from any rate increases during that period.
A fixed rate stays the same for your entire mortgage term, giving you predictable monthly payments. A variable rate fluctuates with the Bank of Canada's prime rate, meaning your payments can go up or down. Variable rates have historically been lower, but fixed rates offer more stability — your Rapid Rates advisor will help you decide which is right for you.
Yes — and this is actually one of the most important times to use us. Many Canadians simply auto-renew with their bank at whatever rate they're offered. We shop the full market on your behalf and can often save you thousands of dollars over your renewal term with a better rate from a competing lender.
Typically you'll need: government-issued photo ID, proof of income (T4 slips or Notice of Assessment for the last 2 years), recent pay stubs, 3 months of bank statements, and details about the property you're purchasing. Your advisor will provide a personalized checklist once you begin your application.
Canada’s Fastest Path to Your Best Rate
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