Rates starting from 3.99%
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Current Mortgage Rates in Guelph – Lowest Rates, Updated Daily!

Stay ahead with the latest mortgage rates in Guelph. Our team updates this information daily to make sure you always get the most competitive options. Check out our table on our Guelph mortgage rates and see how much you could save.

Mortgage Size

$500,000

Discover your best Mortgage Rate with us! We specialize in finding you the lowest possible rate tailored to your unique situation. Wondering about your eligibility? Factors like your credit score and home equity matter, and we'll guide you through it.

it's quick, free, and commitment-free.

TermRates FromAs Affordable As
1 Year Fixed4.89%
$2120 /mo
2 Year Fixed4.24%
$1965 /mo
3 year fixed4.14%
$1942 /mo
4 year fixed4.19%
$1954 /mo
5 year fixed4.19%
$1954 /mo
5 year Variable4.2%
$1956 /mo
7 year fixed5.15%
$2184 /mo

Why Choose LendingHub’s Mortgage Brokers & Specialists in Guelph

When you work with a bank, you're limited to just their products. But at LendingHub, we work for you, not the bank. We shop around and compare rates from trusted lenders across Canada to find the right fit for your situation.

Here’s how we help:

  • More Choices
  • Flexible Approvals
  • Local Experts

A Guelph mortgage broker gives you more choice and flexibility, especially if your situation isn’t perfect. A mortgage specialist works for just one bank. That means limited options.

FeatureMortgage BrokerMortgage Specialist (Bank)
Works ForYou (the borrower)The bank they work at
Lender OptionsAccess to 50+ lendersOnly offers that the bank’s products
Interest Rate ChoicesCan compare rates and negotiate for youLimited to their bank’s current rates
Approval FlexibilityMore flexible – good for bad credit/self-employedStrict rules – harder if your file isn’t perfect
Personalized AdviceTailored to your goals and financesOften one-size-fits-all
Payment to Broker/SpecialistFree to you – brokers are paid by the lenderFree – paid by the bank
Best ForAnyone wanting more options and better dealsPeople loyal to one bank or with simple needs

Second Mortgages in Guelph – Smart Use of Home Equity

Need extra cash but don’t want to sell your home? A second mortgage in Guelph could be the perfect solution. People use second mortgages for all kinds of reasons: paying off high-interest credit cards, funding home renovations, covering education costs, or managing unexpected expenses.

But here's the catch: banks often make this process slow, stressful, and full of paperwork. LendingHub offers low-documentation options, fast processing. We work with lenders who focus on your equity, not just your income. That means more chances to get approved, even if the bank says no.

Learn more about Second Mortgages with LendingHub. We’re here to help you get the funds you need—on your terms.

Get the financial support you need without selling your home. Let’s find the perfect solution for you. Contact us today to explore your second mortgage options in Guelph!

Private Mortgages – Flexible Lending in Guelph for Unique Situations

Tired of hearing “no” from the bank? Many people feel stuck, especially if you're self-employed, new to Canada, or have a low credit score. Traditional lenders often say “no” when life doesn’t fit into their box. But Private mortgage lenders in Guelph offer a better way.

At LendingHub, we work with trusted Guelph‘s private mortgage lenders who look at the whole picture, not just your paperwork.

We focus on the home’s value, solutions, not just credit scores. And yes—it’s all handled privately.

  • Perfect if you’re self-employed and don’t have “regular” income
  • Helpful for new Canadians who haven’t built up credit yet
  • A second chance for people with poor credit or past financial issues
  • Fast approvals – no long waits or stressful interviews
  • Total privacy and flexible terms

If you’ve been turned away elsewhere, don’t worry—we’ve got options. Explore Our Private Lending Services. Your story matters. We listen—and we find a way forward.

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Bad Credit Mortgages in Guelph – Unique Situations, Unique Lending Solutions

Most of the time, you do not get the best deal just because of a low credit score. It feels unfair—and honestly, it is. But that shouldn't stop you from getting a home loan. Maybe you missed some payments. Maybe you had a tough year. Life happens. But that doesn’t mean your dream of owning a home should stop. That’s where we come in.

At LendingHub, we help real people and approve them for a bad credit mortgage in Guelph. We don’t just check your credit and say goodbye. We take the time to understand your story. Then we connect you with lenders who offer flexible mortgage options—lenders who understand the full scenario, not just a number.

We’ve built strong relationships with many lenders across Ontario. That means better chances, better rates, and a better experience for you.

Bad credit isn’t the end—it’s just a part of your story. Ask us about your options for a bad credit mortgage in Guelph today.

Understanding Mortgage Rates & Payments in Guelph

Most people in Guelph just want a simple answer: How much will this cost me every month?

Mortgage rates are affected by things like the Bank of Canada’s rate, inflation, and what lenders think the market will do. In Guelph, strong housing demand and local property values also play a part.

So, what does this mean for your wallet? Here’s a rough idea of average mortgage payments in Guelph:

  • On a $500,000 home: around $2,600/month
  • On a $700,000 home: about $3,650/month
  • On a $900,000 home: close to $4,700/month

Your payment depends on your rate, down payment, and amortization. Need real numbers? Use our Mortgage Calculator—fast, free, and easy to understand.

We don’t leave you guessing. Our expert mortgage advisors give honest advice and find a payment plan that works for you.

Clear answers. No confusion. That’s the LendingHub difference.

Why LendingHub is Guelph’s Go-To Mortgage Partner

Buying a home or refinancing should feel exciting, not stressful. But for many in Guelph, it feels like you're just another file on a desk. Long waits, confusing answers, and a bank that only offers one solution? That’s where most people give up.

Not with LendingHub.

We’re not a bank. We’re a team of mortgage pros who live and work right here in Guelph. We know this market. We know the lenders. And most importantly, we know how to get you approved without the stress.

People choose us because:

  • We don’t use one-size-fits-all advice. Your mortgage plan is built just for you.
  • Our experts speak in plain English, not finance jargon.
  • We’ve helped hundreds of locals, from first-time buyers to folks with bruised credit, get great deals.
  • We connect you with multiple lenders, not just one.

The result? Less waiting. More clarity. And a mortgage that makes sense. We’ve earned the trust of your neighbours. Now it’s your turn.

Ready to secure the perfect mortgage?

Whether you're buying a home or refinancing, we’ve got the expert advice and solutions you need. Schedule a free consultation for personalized mortgage options.

FAQs – Guelph Mortgage Questions Answered Clearly
Mortgage rates in Guelph change often based on market trends and lender policies. Fixed and variable rates are available, with competitive options through brokers.
The best mortgage broker in Guelph, GTA is someone who listens, explains clearly, and finds the best deal for your needs. At LendingHub, our local experts are highly rated for providing smart solutions and friendly service tailored to each client’s situation.
Yes, you can. Bad credit doesn't mean you're out of options. LendingHub works with flexible lenders who look beyond credit scores to find mortgage solutions that fit your situation, even if the bank says no.
Mortgage payments depend on your home price, interest rate, and down payment. For a $600,000 home in Guelph, monthly payments may be around $3,200. Use our free mortgage calculator to see what works for your budget.
A second mortgage lets you borrow money using your home’s equity. It’s often used for renovations, debt consolidation, or emergencies. It’s safe when managed wisely.
A mortgage specialist helps you understand your options, get pre-approved, and find the best mortgage. LendingHub’s Guelph team guides you from start to finish, making the process easy, even if your situation is unique or challenging.
Yes, many private mortgage lenders in Guelph are reputable and flexible. They offer real solutions when traditional banks can’t help. LendingHub connects you with trusted private lenders who focus on your equity, not just your credit score.
Fixed rates stay the same for the term, while variable rates can go up or down. If you want stability, go fixed. If you can handle some changes, variables may save money. LendingHub helps you compare both and choose what’s right.
Absolutely. Refinancing can lower your rate, free up cash, or help consolidate debt. At LendingHub, we review your goals, compare lender offers, and find the best refinance solution based on your needs and home equity.
You’ll need ID, proof of income (like pay stubs or tax returns), details of your debts, and info about your down payment. Self-employed or new to Canada? Don’t worry—LendingHub offers flexible, low-doc options to help you get approved.

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