5.35%

5 Year VRM Rate

3.99%

5 Year Fixed insured

6.39%

10 Year Fixed

About Us

We strive towards making Canadians much more financially successful and secure, so we provide better options for our customers. Just like we did with investing, we are making buying and owning a home easier and more affordable.

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Our Values

With our help, you will be able to simplify the process of financing your own home, keeping more of your money.

Convenience

You can effortlessly log on to our website and apply anytime, so you can always stay in control of where you are in the process.

Transparent

We are dedicated to offering our clients an excellent rate when using MortgagesToGo.ca

Customers First

We believe in a customer-first approach with MortgagesToGo.ca. Our Mortgage Advisors are always ready to provide better mortgage services.

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If you are interested in saving money on your mortgage,and other related products, check out our products page to learn more about what we can offer you.

Proudly Canadian

Looking for a reliable and trustworthy Canadian mortgage company? Look no further than MortgagesToGo.ca! We’ve been helping Canadians get the best mortgage rates since 2004.

Historically, securing a mortgage was difficult, intended to discourage players from guessing the outcome. To solve this challenge, we have built a system that simplifies the mortgage process and removes opacity and unknown risks. We ourselves have been in the process, so we understand firsthand the difficulties and inaccuracies facing new entrants.

Want to learn more about mortgages in general?

Check out our Frequently Asked Questions page for answers to our clients burning questions!

MortgagesToGo.ca providing Fixed and Variable Mortgages

What is a Fixed Rate Mortgage?

A fixed mortgage is a loan that has a fixed interest rate that remains the same over the entire term of the loan. The term length may be 15, 20, 25 or 30 years and the total amount owed on a fixed mortgage remains unchanged during this period.

Because borrowers are locked into the same interest rate for the entire duration of their loan, they benefit from more financial predictability when planning their future payments. This stability allows them to better budget and plan out their other expenses. While the monthly payments remain consistent throughout the life of a fixed-rate mortgage, there may be opportunities to further lower those payments with extra principal payments made during your repayment period or if you refinance down to a lower rate.

What is a Variable Mortgage?

A variable-rate mortgage (VRM) is a type of home loan in which the interest rate is not fixed. Instead, it can fluctuate throughout the life of the loan, depending on changes to an underlying index rate. Variable-rate mortgages offer several advantages and disadvantages to consider when compared to traditional fixed-rate mortgages.

Due to their inherent risk, VRMs generally come with higher interest rates than traditional fixed-rate mortgages; however, they also may yield lower monthly payments or faster loan payoff if market conditions lead to interest rate decreases. The main benefit of a VRM is that it gives borrowers the potential to save money over time because they are able to take advantage of interest rate decreases without having to refinance their loans into new ones with lower rates.

Additionally, unlike traditional fixed-rate borrowers, who face large upfront fees for a full refinance each time they want to take advantage of a lower rate, those with VRMs can typically avoid such fees altogether by simply adjusting their payments going forward at no extra cost. This can be especially beneficial when current market conditions lead to consistently decreasing interest rates over time.

Furthermore, those who choose variable-rate mortgages usually do not have any penalty for prepaying their loans and in some cases may even receive an incentive for doing so. Disadvantages for VRMs include market risk related to increases in interest rates that could result in higher payments over time as well as potential hesitation from lenders who may view VRMs as an inherently more risky type of loan than traditional fixed-rate mortgages.

We Are Here to Help

MortgagesToGo.ca is here to assist with all your financing needs in regards to mortgages. Our know-how, knowledge, and experience mean we are well suited to handle any monetary situation.

Our team strives to make the entire mortgage process as painless as possible, keeping you up-to-date with everything. Mortgages are intimidating, but you don’t need to struggle through them yourself. Let MortgagesToGo.ca handle that for you and make the process a breeze.

Our team is built on an impressive basis of experience, which can make all the difference when it comes to saving you money. As experts in our community, we’re dedicated to continuing our education and staying current with the market’s most recent offers and products. Through constant learning, we can better meet your needs, work toward your goals, and guide you along the road.

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Think MortgagesToGo.ca, and discover a truly different mortgage experience.