The lowest rate isn't always the best mortgage. We build a custom solution around your goals, your lifestyle, and your financial future.
No two homeowners are the same. We look beyond the rate to find what truly fits your life — now and in the future.
Breaking a mortgage early can cost tens of thousands. A lower rate with a harsh penalty clause often costs more than a slightly higher flexible rate.
Want to pay your mortgage down faster? Not all mortgages are equal. We match you with lenders whose prepayment options align with your goals.
Thinking of moving in the next few years? A portable mortgage lets you take your rate with you — saving you the cost of breaking and restarting.
The right choice depends on your risk tolerance, income stability, and market outlook — not just which one is lower today.
Big banks, monoline lenders, credit unions — each has different products, policies, and personalities. We find the one that works for you.
First-time buyer, growing family, pre-retirement, self-employed — your mortgage strategy should reflect where you are and where you're headed.
These are starting points — not the finish line. Let's find out which rate and product is the right fit for you.
| Term | Type | Rate | Best For | Action |
|---|---|---|---|---|
| 5-Year | Variable | 3.35% | Flexible buyers | |
| 5-Year | Fixed | 4.04% | Stability seekers | |
| 3-Year | Fixed | 4.14% | Mid-term planners | |
| 2-Year | Fixed | 4.49% | Short-term needs | |
| 1-Year | Fixed | 5.09% | Rate watchers | |
| HELOC | Variable | 5.45% | Equity access |
*Rates shown are for example purposes and subject to change. OAC. Your ideal mortgage may not be the one with the lowest rate — book a consultation to find out what truly fits your needs.
Get a quick picture of what your mortgage could look like — then let us tailor the real solution.
Answer a few quick questions and we'll match you with the mortgage that's built around your goals — not just the lowest rate.
We'll tailor your mortgage options based on where you are right now.
Your priorities shape the right mortgage — more than the rate alone.
This helps us find lenders and rates specific to your situation.
A MortgageFit specialist will contact you within one business day with your personalized options — no obligation.
Skip the wait — pick a time that works for you and let's talk through your mortgage options in 15 minutes.
"I went in thinking I just needed the lowest rate. My advisor explained how a slightly higher rate with no penalty clause would save me over $11,000 when I sold two years later. That advice was worth everything."
"As a self-employed buyer, every big bank turned me away. MortgageFit found a lender that actually understood my situation and got us a competitive rate with great prepayment options."
"Renewing my mortgage felt overwhelming until I spoke with MortgageFit. They walked me through what actually mattered for my stage of life — not just the rate headline. Refreshingly honest advice."