Rates starting from 3.99%
For HomeownersFor Agents

Get the Best Mortgage Rates in Richmond Hill Today

Check our updated mortgage rates in Richmond Hill. We compare top lenders so you don’t have to. Start saving today.

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 Work With a Mortgage Broker in Richmond Hill?

Your Mortgage. Your Terms. Our Expertise.

Thinking about buying a home or refinancing in Richmond Hill? LendingHub mortgage brokers treat every client like family and work hard to find the solution that fits your life, not just your loan. Our skilled mortgage agents in Richmond Hill help you find the best mortgage rates, fast approvals, and personalized mortgage solutions.

Here’s why smart buyers choose us over banks:

  • More Lender Options – Access 50+ banks, credit unions, and private lenders with one simple application.
  • Lower Rates – We shop the market for you to find the most competitive rates that save you thousands.
  • Personalized Advice – Get honest, tailored guidance that fits your goals, not the lender’s.

At LendingHub, we’re your local experts with national reach—always here to simplify the process and reduce stress. Our Richmond Hill mortgage brokers are here for you 7 days a week and deliver fast turnaround times, so you never have to wait.

What’s the Difference?

TypeWho They Work ForLenders OfferedBest For
BankOne bank onlyOnly their ownSimple needs, loyal customers
Mortgage AgentOne lender or companyLimitedSome options
BrokerYou (the client)Many lendersBest rates, more choices

Ready to stop guessing and start moving forward in your mortgage journey with confidence? Book a free call with a proficient Richmond Hill Broker today.

Second Mortgages in Richmond Hill – Tap Into Your Home Equity

Feeling financially stuck even though your home’s value keeps going up? A second mortgage in Richmond Hill could be the simple, smart solution you need.

At LendingHub, we get that banks don’t always make it easy. That’s why we offer flexible approval options. We look at your situation and help find a solution that makes sense for you. We match you with lenders who offer competitive second mortgage rates, ensuring you get the best deal possible based on your needs and financial goals.

A 2nd mortgage is a loan that’s secured by your home, in addition to your current mortgage. People often use it to pay off debt, handle expenses, or make home upgrades to increase comfort and value. And don’t worry—you’re not doing this alone. Our local Richmond Hill mortgage experts are here to guide you through the whole process, making it clear, fast, and stress-free.

Want to know more? Visit our Second Mortgage Solutions page and see how we can help you make the most of your home’s value.

Need our team to guide you one-on-one? Schedule a free call back and allow us to answer your queries at your convenience!

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Bad Credit Mortgages in Richmond Hill – Get Approved Even with Low Credit

Many people deal with low credit scores, missed payments, and think homeownership is out of reach. But here’s the truth: it’s not. At LendingHub, we specialize in helping people with sub-optimal credit scores get approved for bad credit mortgages across Richmond Hill.

We understand life happens, and your credit score shouldn’t define your future.

That’s why we work with private and alternative lenders who don’t just focus on your credit score. Instead, they look at your full story and find ways to make your goals possible. Whether you're buying your first home, refinancing, or trying to pay off high-interest debt, we’ll show you real, flexible options that work.

Our mortgage brokers are trained to keep things simple, supportive, and judgment-free. When it comes to finding the best mortgage agents in Richmond Hill, experience and personalized service matter. We pride ourselves on exactly these principles.

Our experts are committed to helping you make smart, confident home financing decisions. Take Sarah, for example—a single mom who came to us worried about her credit. A few weeks later, she was moving into her new home.

Richmond Hill Commercial Mortgages – Tailored Business Lending

Running a business in Canada comes with its own set of challenges—rising property costs, tight lending rules, and banks that often move way too slow. If you’re trying to secure financing for your next business move, we get how frustrating that can be.

That’s why LendingHub offers commercial mortgages in Richmond Hill that are built around your business goals.

Whether you’re buying a retail store, expanding into a new office space, or investing in multifamily rental units, we’ll help you make it happen with solutions that make sense for your situation, not the bank’s checklist.

What makes us the top choice? We’re not just here to hand you a form—we’re with you the whole way. As one of the best commercial mortgage specialists in Richmond Hill, our team gives you direct, responsive support from start to finish.

We work with many lenders, including those who understand small businesses, startups, and unique investment plans.

Explore your business financing options with our tailored Business Loans and discover how LendingHub can help your company grow on your terms.

Alternatively, apply online using our quick form. Fill in the details of your requirements and wait for our team to get back to you with the precise solution you need!

Refinancing Mortgages in Richmond Hill – Lower Your Monthly Payments

Let’s be honest—paying more on your mortgage than you need to? That’s frustrating. You’ve spent years building equity in your home, and now it’s time to make that hard work pay off. If you're looking to lower your monthly payment, access cash for life’s big moments, or lock in a better rate, refinancing can be a game-changer.

At LendingHub, we make it simple. We help Richmond Hill homeowners like you tap into the value of their home with smart, customized refinance solutions. And because we have access to some of the best refinance mortgage rates in Richmond Hill, Ontario, we’ll help you keep more money where it belongs—in your pocket.

Think of us as your reliable mortgage partner, not just another lender. We listen to what you need, cut through the confusion, and offer real options that work for your life.

Let’s talk about how refinancing your mortgage can give you the freedom you’ve been looking for.

LendingHub – Richmond Hill’s Most Trusted Mortgage Experts

Finding the right mortgage shouldn’t feel overwhelming, but for many homeowners and buyers, it does. Between confusing terms, endless lender options, and mortgage rates that seem to change overnight, it’s easy to feel stuck or unsure.

For over a decade, LendingHub has been helping Richmond Hill families and investors navigate mortgages with confidence. Backed by a network of 50+ trusted lenders and a long list of five-star reviews, we don’t just find you a loan—we find you the right one.

Our team lives and works in Richmond Hill, so we understand the local market better than anyone. We offer smart solutions and clear guidance for every mortgage journey. Whether you're a first-time buyer or a seasoned homeowner looking to refinance, we deliver real results you can count on.

With a 97% client satisfaction rate and thousands of successful deals closed, LendingHub has evolved into a thriving team of the best mortgage brokers in the Richmond Hill neighbourhood.

Witness all of it first-hand! Let’s make your mortgage process easier, faster, and completely stress-free. Schedule a call-back at a convenient time to discuss your unique requirements and receive expert mortgage advice from our top brokers.

FAQs – Richmond Hill Mortgage Questions Answered
Mortgage rates change daily. Check our live rate table above or contact us for today’s best offers.
Banks offer limited options. Brokers like LendingHub shop around for you and get you lower rates.
Yes! If you have home equity, we can help you qualify for a second mortgage, even with bad credit.
Many lenders prefer scores over 600, but we also have options for lower scores.
Absolutely. We work with private lenders who specialize in bad credit mortgages.
Typically, ID, proof of income, bank statements, and a credit report. We’ll guide you through everything.
Many of our clients get pre-approved in 24 to 48 hours.
Just contact us. We’ll assess your current mortgage and show you better options.
Agents work under a broker. A broker has access to more lenders and wider options.
Yes! We help business owners get funding for all types of commercial properties.

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