Rates starting from 3.99%
For HomeownersFor Agents

Best Mortgage Rates in Toronto – Updated Daily!

At LendingHub, we understand that securing the best mortgage rate is crucial. That's why we provide up-to-date information on the current mortgage rates in Toronto. We ensure you have access to the most competitive options available. These rates are among the lowest in the market, and our team at LendingHub is here to help you secure them.

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 Fixed4.09%
$1930 /mo
3 year fixed4.04%
$1919 /mo
4 year fixed4.19%
$1954 /mo
5 year fixed4.14%
$1942 /mo
5 year Variable4.2%
$1956 /mo
7 year fixed5.15%
$2184 /mo

Why Work With a Mortgage Broker or Agent in Toronto?

Owning a home in your city might feel out of reach, but with the right advice and a great mortgage rate, it’s more possible than you think.

At LendingHub, we help you save more by getting you the best mortgage rates in a few clicks. From your first call to your final approval, we’re with you every step of the way. We keep things simple, honest, and focused on what’s best for you, not the banks.

  • Access to Multiple Lenders: Unlike banks that offer only their mortgage products, LendingHub’s mortgage brokers in Toronto work with many lenders. This gives you more options to find the best fit for your needs.
  • Fat Approval: Mortgage brokers understand how the Toronto market works. They know how to present your application in the best way to improve your chances of getting approved.
  • Tailored Advice: Whether you're buying your first home or refinancing, a mortgage advisor in Toronto will give you personalized guidance based on your credit, income, and goals.
  • Local Expertise: Toronto’s housing market can be tricky to understand. The best mortgage broker Toronto has to offer will know the ins and outs of the city and guide you toward smart, informed decisions.

Why settle for one option when you can have many? Book a free consultation with us and get the best advice now.

Second Mortgages in Toronto – Unlock Your Home’s Equity

Your home has value, and you can use it to your advantage. A second mortgage in Toronto lets you tap into the equity you've built and turn it into cash for what matters most.

Need to renovate your kitchen or finish the basement? Want to roll multiple debts into one easy payment? Starting or growing a business? A Toronto 2nd mortgage could be the flexible solution you’ve been looking for.

At LendingHub, we make second mortgages simple. We work with multiple networks of trusted lenders to help you find the right option, whether you need lower payments, interest-only terms, or fast access to funds. Our top mortgage broker in Toronto, Ontario, compares rates from reputable lenders so you can choose what fits best.

Check out our Second Mortgage Services to learn how we can help you unlock your home’s value without the hassle.

We’re here when you’re ready. Schedule a quick chat with our team and take the first step with confidence.

Private Mortgages in Toronto – Smart Lending for Complex Needs

Not everyone fits the bank’s checklist. If you’re self-employed, new to Canada, or have a low credit score, getting a mortgage can feel impossible. That’s where a private mortgage in Toronto can make all the difference.

Why private mortgages make sense:

  • Easier approval: Private lenders focus on your financial condition, not just your credit score.
  • Faster process: Need funds quickly? Private lenders can often approve within days.
  • Custom-fit options: Whether you need short-term relief or a bridge loan, there’s a solution for you.

We work with trusted private mortgage lenders in Toronto who are fair, transparent, and flexible. Our team will listen to your situation, explain your options clearly, and connect you with a lender that’s the right fit, not just the fastest one. From start to finish, we handle the paperwork, the negotiations, and the details—so you don’t have to.

Do you know if the bank hasn't been approved? Explore the Private Mortgage option, which gives you access to trusted lenders with flexible terms and quick approvals.

Need a flexible mortgage solution? Talk to a private mortgage expert today. Let’s find the right path forward—together.

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Reverse Mortgages in Toronto – Retire With Financial Flexibility

A reverse mortgage in Toronto allows homeowners aged 55 and over to convert part of their home equity into tax-free income, without having to sell their property.

Eligibility:

  • Must be 55 years or older.
  • Must own your home.
  • The home must be your primary residence.

Benefits:

  • No Monthly Payments
  • Tax-Free Income
  • Stay in Your Home

At LendingHub, we don’t just talk about reverse mortgages in Toronto—we complete the process from start to finish. Our team takes the time to understand your goals and explains how reverse mortgages work in real-life situations.

Then, our mortgage broker in Toronto, Canada, connects you with trusted lenders who offer fair and flexible options that match your needs.

We make sure you understand the pros, the costs, and how it fits into your long-term plans—so you can make decisions with confidence, not confusion. Think of us as your guide, not a salesperson.

Enjoy your retirement with peace of mind. Explore our reverse mortgage options and learn how to turn home equity into income—without selling your home.

Not sure if a reverse mortgage is right for you? Request a call and get honest answers that help you make the right choice.

First-Time Home Buyer Mortgage Programs in Toronto

Buying your first home in Toronto can feel like a big challenge, but it doesn’t have to be. With the right help, you can make it happen. First-time homebuyer mortgages in Toronto are designed to give you the support you need to get started.

One of the best things about these programs is that you can get a low down payment, which means you don’t have to save up a huge amount of money upfront. You might also be eligible for incentives and rebates that can lower the overall cost of buying your home.

Apart from that, Ontario offers programs like the First-Time Home Buyer Incentive and Land Transfer Tax Refund, which make your first home more affordable.

At LendingHub, we make the process easier for you. We’ll help you understand all your options and connect you with the best lenders to make sure you get the most out of these programs.

Learn more about first-time home buyer options here. Let us guide you toward your first home with ease! Have questions? Apply now and connect with our expert to get clear answers for your first home.

Why Toronto Clients Trust LendingHub With Their Mortgages

At LendingHub, we understand that a mortgage isn’t just a loan—it’s a major life decision. That’s why Toronto clients continue to choose us. They trust us because we make the process simple, clear, and fulfill their needs.

We’re not just another mortgage company. LendingHub mortgage brokers in Toronto work hard to find a solution that truly fits you, not the bank.

We have access to dozens of top lenders, which means more options and better rates for you. But it’s not just about numbers—we also give you honest advice, fast approvals, and personal support from start to finish.

Thousands of clients have trusted LendingHub to guide them through one of life’s biggest financial steps. And we’re proud to say many come back again, or refer to their friends and family. That trust means everything to us.

Talk to a local expert today and see why more people in Toronto choose LendingHub for their mortgage success.

FAQs – Toronto Mortgage Questions Answered
Mortgage rates in Toronto can change often. Right now, fixed rates are around 3.6% and variable rates are about 3.9%. The exact rate you get depends on your credit score, income, and down payment. A broker can help you find the best available rate.
Yes, working with a mortgage broker gives you more options. Unlike banks that offer just their own products, brokers compare rates from many lenders. That means better chances of approval, lower rates, and personalized advice that fits your situation—not a one-size-fits-all offer
Yes, you can. Even with bad credit, many private lenders in Toronto offer second mortgage solutions. They focus more on your home’s value and equity than just your credit score. A broker can match you with a lender who understands your needs.
A reverse mortgage lets homeowners aged 55+ use their home’s equity for cash—without monthly payments. The loan is paid back when you sell your home, move out, or pass away. It’s a great option if you need extra funds during retirement.
LendingHub is proud to have some of the best mortgage agents in Toronto. Our team is experienced, friendly, and truly listens. We help you understand your options and guide you every step of the way—with fast responses and real support you can count on.
To get pre-approved, you'll need a few basic things: proof of income, credit score, job details, and a list of debts and assets. A broker will review everything and give you a clear budget so you can shop for homes with confidence.
Yes! Being self-employed doesn’t mean you're out of luck. We work with lenders who understand business income and offer flexible options. Whether you write off expenses or take dividends, we’ll help find a mortgage that suits your situation.
First-time buyers in Toronto can access special programs with low down payments, tax rebates, and government support like the First-Time Home Buyer Incentive. A broker helps you use every benefit available so your first step into homeownership is smooth and affordable.

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