Rates starting from 3.95%
For HomeownersFor Agents

Vaughan Mortgage Rates – Compare the Latest Offers

We know what you’re thinking: "What are the current mortgage rates in Vaughan?"
The answer? It depends. Rates vary based on your credit, income, property type, and lender. That’s why comparing rates matters more than ever.

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 Fixed4.84%
$2108 /mo
2 Year Fixed4.34%
$1989 /mo
3 year fixed4.34%
$1989 /mo
4 year fixed4.29%
$1977 /mo
5 year fixed4.24%
$1965 /mo
5 year Variable4.2%
$1956 /mo
7 year fixed5.15%
$2184 /mo

Tip: Mortgage rates in Vaughan can fluctuate daily. Working with a broker gives you access to better rates than just walking into a bank.

Why Work With a Mortgage Broker or Agent in Vaughan?

You could go to a bank. But banks only offer their products, and they often say “No” if your profile isn’t perfect.
Now here’s what happens when you work with a mortgage broker in Vaughan:

  • More Options: We work with 50+ lenders—banks, credit unions, private lenders, and more.
  • Better Rates: We negotiate. You save. Simple.
  • Approval Flexibility: Got a tricky file? We love a good challenge.
  • Personalized Advice: We explain everything in plain English, no jargon.
  • Fast Turnaround: We know time is money. So we move fast.

What’s the difference between a mortgage broker and a mortgage agent in Vaughan?

Both work to get you the best mortgage in Vaughan, just at different levels of responsibility.

Mortgage BrokerMortgage Agent
Licensed to run a brokerageWorks under a licensed mortgage broker
Has more experience and trainingMay be newer to the industry
Can hire and supervise mortgage agentsCannot hire or supervise others
Can offer advice and oversee large transactionsHelps clients find the right mortgage solution
Acts as a go-to expert for complex mortgage needsFocuses on helping clients submit applications

Buying your first home? Chat with a mortgage expert, we’ll guide you through every step—from approval to keys in hand.

Second Mortgages in Vaughan – Tap Into Your Home Equity

Need extra funds for renovations, education, or debt consolidation? A second mortgage allows you to borrow against the equity in your home.

Many homeowners use second mortgages in Vaughan for practical needs like home upgrades, which not only improve comfort but also boost property value. Others use it to consolidate high-interest debts, making monthly payments more manageable. It’s also a great option for covering education costs or dealing with emergency expenses. Life can throw curveballs, and your home can help catch them.

At LendingHub, we work closely with trusted lenders who specialize in second mortgages, including options that banks might not offer. Even if your credit isn’t perfect or you’ve been turned down elsewhere, we can help.

Our second mortgage experts in Vaughan will carefully assess your home equity, create personalized repayment plans, and guide you through the approval process quickly and with less hassle.

Looking for ways to fund your next big renovation? Explore our second mortgage services, which offer quick approvals and flexible terms.

Need cash for renovations, debt, or life’s surprises? A second mortgage could be the answer. Let’s chat. Book your free consultation now – it’s quick, easy, and pressure-free.

Bad Credit Mortgage Solutions in Vaughan

If you’ve been told your credit score is too low to qualify for a mortgage, don’t give up. At LendingHub, we specialize in helping Vaughan residents secure bad credit mortgages even after past financial challenges. Our goal is to provide you with options that make homeownership achievable.

Unlike traditional lenders who focus only on credit scores, we partner with alternative and private mortgage lenders in Ontario who take a broader view of your financial situation. These lenders consider your income, assets, and current circumstances, making approval more accessible for borrowers who may not meet the strict criteria of banks.

We also recognize that gathering extensive paperwork isn’t always realistic. That’s why we provide flexible documentation options, which can be especially helpful if you’re self-employed or have non-traditional income sources.

What makes our approach different is our long-term focus. Beyond simply getting you approved, we aim to help you rebuild your credit profile while accessing the funds you need today. Whether you’re purchasing a home or refinancing, our bad credit mortgage solutions in Vaughan are designed to support both immediate needs and future financial growth.

At LendingHub, we believe that homeownership shouldn’t be out of reach because of a number on a credit report. With the right guidance and access to trusted private mortgage lending, securing a mortgage with bad credit in Vaughan is not only possible; it’s within your reach.

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Mortgage Refinancing & Renewals in Vaughan

Your mortgage is up for renewal. The big question is; should you simply accept your bank’s offer, or look for a better option?

Many homeowners in Vaughan miss out on thousands in savings because they renew without exploring alternatives. With mortgage renewal, you can:

  1. Lock in a lower rate
  2. Adjust your mortgage term
  3. Switch lenders
  4. Consolidate debt
  5. Improve your monthly cash flow

At LendingHub, we believe refinancing or renewing your mortgage should be a thoughtful decision, not an automatic one. Too often, lenders rely on convenience, but smart homeowners take the time to explore their options.

If you’re ready to refinance mortgage terms in Vaughan or else in Ontario, our team will guide you through the process. Whether your goal is lowering monthly payments, securing a better interest rate, or rolling high-interest debt into one affordable plan, we’ll tailor a solution to fit your financial goals.

Don’t wait until the renewal notice arrives. Get ahead today with a clear, customized refinancing plan that puts you in control.Get in touch with us to explore smarter options!

Commercial Mortgage Services in Vaughan

Running a business in Vaughan often requires more than hard work and vision. It also takes the right financing. At LendingHub, we specialize in helping entrepreneurs and small business owners access funding solutions that are tailored to their goals.

Whether you’re launching a new venture, expanding operations, upgrading equipment, or managing cash flow, our business loan options are designed to support your growth. We connect Vaughan businesses with lenders who understand the unique needs of local entrepreneurs and provide flexible terms that make sense for your situation.

Our experts take the time to understand your business plan, financial position, and long-term goals. From there, we structure a financing solution that goes beyond quick approvals and ensures sustainability.

For entrepreneurs exploring business loans in Ontario our team simplifies the process by connecting you with the right lenders and structuring financing that truly fits your needs.

Take the next step today—speak with our team about a customized business loan solution for your Vaughan business.

Private Mortgage Brokers in Vaughan – Flexible Lending Options

Banks can be strict. But life isn’t always black and white. If the bank said no or your situation is a bit different, a private mortgage could be the right solution for you.

At LendingHub, we know that traditional banks don’t always understand real-life situations. That’s why we offer private mortgage solutions in Vaughan that are designed for people who may not meet the usual lending rules but still deserve a fair chance.

Our private mortgage options are ideal for self-employed individuals who have non-traditional income. Maybe you run your own business or work on contracts—either way, we know income comes in many forms, and we’ll work with what you have. Our private mortgage broker in Vaughan also helps new immigrants who may not have an established credit history in Canada.

Our approach is simple. We offer quick approvals because we understand that sometimes you can’t wait weeks. Our flexible criteria mean we look at your financial situation, not just your credit score. Most importantly, we practice responsible lending, with full transparency and clear communication—no surprises, no pressure.

Check out our private mortgage solutions designed to help you get approved fast, easy, and with fewer requirements.

Talk to our mortgage broker today. to find out how We help you secure a flexible mortgage that fits your needs.

Why Vaughan Homebuyers & Investors Choose LendingHub

At LendingHub, we make things simple, clear, and stress-free. That’s why so many homebuyers, families, and real estate investors in Vaughan choose us. We’re not just another mortgage company—we’re your local partner who truly cares.

We work with over 50 trusted lenders, which means you get access to more mortgage products, better interest rates, and flexible options that fit your needs.

What makes us different? We take the time to understand your story. There’s no pressure, no confusing terms—just honest advice from expert mortgage brokers and agents in Vaughan.

We know life is busy, so we respond quickly and work around your schedule. At LendingHub, you’re not just another application—you’re part of our community. Our goal is to help you feel confident and supported every step of the way.

Looking for better rates or need help getting approved? Let’s talk with our experts. Our Vaughan mortgage experts are ready to help you find the best solution.

FAQs – Mortgage Questions from Vaughan Clients Answered
Rates change often, depending on the lender and your situation. Talk to us for the most accurate and lowest mortgage rates in Vaughan.
Using a mortgage broker in Vaughan gives you access to more lenders, better rates, and personalized advice. Banks offer limited options, while brokers compare many deals to find the best one for you. It’s easier, faster, and often saves you money.
Yes. We work with alternative and private lenders who specialize in bad credit mortgage solutions.
They let you borrow against the equity in your home. Use the money for renos, debt, or emergencies.
You’ll need ID, proof of income, bank statements, and info about your property.
As of early 2025, the average home price in Vaughan is approximately $1.33 million. Assuming a 20% down payment, this results in an average mortgage of about $1.06 million.
Yes, you can refinance or renew your mortgage early in Vaughan. Refinancing helps you get better rates or access cash. Early renewal can lock in a lower rate before your term ends.
It depends on your profile. That’s why working with LendingHub gives you the edge—we shop the entire market for you.

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