Couple reviewing their mortgage options together at home

NEED HELP
WITH YOUR
MORTGAGE?

Mortio is here to simplify the process, guide you every step of the way, and make your mortgage journey stress-free.

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Today’s Best Rates

5 yr Fixed4.09%

Today’s Best Rates

5 yr Variable3.44%
1 yr Fixed4.59%
2 yr Fixed3.99%
3 yr Fixed4.09%
4 yr Fixed4.09%
5 yr Fixed4.09%

All rates

Multiple Lenders

Compared on your file

Same-Day

Pre-approval decisions

In-House

Underwriting team

Markham

Meet us in person

Mortgage Solutions

Start with what you need

Whether you're buying, renewing, refinancing, or working through a more complex situation, Mortio helps you understand the lending paths available.

First-time buyer mortgages

Buy my first home

Understand your affordability, down payment, available incentives, and approval options.

Explore buying options

Mortgage refinancing

Improve my mortgage

Private financing

Bank decline or a tight closing timeline?

Explore more flexible lending options for bruised credit, non-traditional income, or financing that needs to move quickly.

Explore private financing

More situations

More ways we can help

Mortgage Renewal

Compare the bank's offer before committing to another term.

Learn more

Multiple Lenders, One Application

We shop your file across all of them. Compare today’s rates

Live Rates

Today’s lowest rates

The best 5-year rates on our panel right now, updated regularly.

View all rates

More rates

4.15%

5-year

Variable

3-year Fixed: 4.09%

More rates

3.65%

5-year

Variable

3-year Fixed: 4.09%
1-year Fixed: 4.59%

More rates

3.70%

5-year

Variable

3-year Fixed: 4.39%
1-year Fixed: 5.04%

More rates

3.70%

5-year

Variable

3-year Fixed: 4.39%
1-year Fixed: 4.89%

We shop multiple lenders. Which lender wins your file depends on your down payment, income and property, so the rate you qualify for may differ.

How It Works

Simple, start to close

Three steps, no jargon, and no cost to you — we're paid by the lender when your mortgage closes.

01
Book your 1:1 call
A licensed agent who reads your actual file — not a call centre queue.
02
We shop multiple lenders
Banks, credit unions and private lenders, compared in parallel, same week.
03
Close with no surprises
We line up vetted realtors and lawyers so nothing stalls at the finish.

Start your application

Mortio agent reviewing a mortgage application with clients

What you get with Mortio
Same-day pre-approval*
In-house underwriters
One dedicated expert per file
In-person appointments in Markham

Free Tools

Run the numbers yourself

No sign-up, no email wall. Get a real number before you talk to anyone.

Mortgage Payment

What will I pay monthly?

Monthly payment by price, down payment, rate and amortization.

Open calculator

Want the exact number for your file?

Get a free quote (844) 991-7171

Success Stories

Closed deals, real people

Learn

Mortgage insights

Rate moves, program changes, and the fine print nobody explains.

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First-Time Home Buyer in Ontario? Your 2026 Incentive Cheat Sheet

Buying your first home is exciting, but understanding the available programs can feel overwhelming.

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FAQ

Frequently Asked Questions

Still stuck? We'd rather answer it on a call than have you guess.

Ask us directly

How much mortgage can I qualify for?

It depends on your income, debts, credit score, and down payment. A general rule is that your total housing costs shouldn't exceed 39% of your gross income. Book a free pre-approval with us and we'll give you an exact number.

What's the minimum down payment in Canada?

No Obligation

Let’s find your rate.

Free, and it won’t affect your credit score. Most clients hear back the same day.

Get pre-approved (844) 991-7171

113-1020 Denison Street, Markham, ON

Get Pre-Approved Call

Let’s make your mortgage easier.

No pressure, no obligation — every lender compared.

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NEED HELP WITH YOUR MORTGAGE?