Disclaimer

Last reviewed: 2026-09-16

Not a lender, broker, or adviser

Mortgagor.ca is an independent publisher. We are not a bank, lender, mortgage broker, or mortgage agent, and we do not arrange, negotiate, underwrite, or approve mortgages. We are not a financial adviser and we do not provide personal financial, tax, or legal advice. Nothing on this site is a recommendation to enter into any mortgage or credit product.

Estimates and general information only

All content, calculators, and figures on this site are provided for general educational purposes and as estimates only. Calculator results are approximate, depend entirely on the inputs you provide, and do not constitute an offer, a quote, a pre-approval, or a commitment from any lender. Actual rates, payments, penalties, premiums, and eligibility are set by individual lenders and are subject to their criteria and to a full application.

Rates and figures change

Mortgage rates, posted rates, insurance premiums, stress-test rates, tax rates, and program thresholds change frequently. Figures shown on this site carry an “as of” date and a source link. Always confirm the current figure with the original publisher, your lender, or a licensed professional before relying on it.

No guarantee of approval or savings

Nothing on this site guarantees that you will qualify for a mortgage, be matched with a lender, or save money. Approval and pricing are at the sole discretion of the lender. Any savings shown are illustrative estimates based on the assumptions you enter, not promises.

Credit checks and your information

Lenders and brokers may perform a credit check with one or more credit reporting agencies, including Equifax Canada and TransUnion Canada. A hard credit inquiry can affect your credit score. We do not run credit checks. Any information you submit through a third-party form on this site is handled by that third party under its own privacy policy, not ours.

Affiliate disclosure

Some links on this site are affiliate links, and we may be paid a commission if you apply through them, at no additional cost to you. This does not affect the price you pay or the content we publish. Affiliate relationships are disclosed on the pages where those links appear. Read our editorial policy for detail.

Seek professional advice

Mortgage decisions are significant and personal. Before you commit, speak with a licensed mortgage professional, a lawyer or notary for the legal side of a purchase, and a qualified tax professional for tax questions. If you are struggling with debt, contact a non-profit credit counselling service before borrowing further.