Mortgage Hero Section

Lock in Your Best Mortgage Rate

Compare Canada's best rates with expert, local help....in mintues

Trusted by thousands of Canadians ★ ★ ★ ★ ★

Choose Your Mortgage Option

Buy Home

Find the perfect mortgage for your new home purchase. Get competitive rates and expert guidance through every step of the home buying process.

Refinance

Lower your monthly payments or access your home's equity. Our refinancing options can help you save money and achieve your financial goals.

Renew Mortgage

Ready to renew your existing mortgage? Explore better rates and terms when your current mortgage term expires. Get the best deal for your renewal.

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Financial Rates

Take Advantage of Our Lowest Rates

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Lowest Fixed Rates

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Rates vary by lender and applicant profile. Get your personalized rate today.

RateLock.ca - Complete Mortgage Solutions

How it works with us on Ratelock

  • 1

    Choose your goal

    Tell us what you're looking for - whether it's buying your first home, refinancing, or renewing your mortgage.

  • 2

    Answer a few questions

    Provide some basic information about your financial situation and property preferences in our quick questionnaire.

  • 3

    Instantly compare top lender rates

    Get personalized rate comparisons from Canada's leading lenders and choose the best mortgage option for you.

Zero Obligation, Expert Consultation.

We create personalized mortgage solutions to finance your next property purchase and get you the perfect mortgage that saves you money.

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Lenders Compared

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Free Service

We compare rates from 40+ trusted lenders

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What Our Clients Say ?

Real stories from homeowners and families we've helped.

"
We used RateLock.ca to arrange to finance for our first home purchase. They helped us not only find a lender but also to navigate the rules and programs for first-time buyers in BC. All at a fast pace. Highly recommended.
Gary L
★ ★ ★ ★ ★
"
Absolutely professional Mortgage Brokers. Gave us step by step guidance on how to use the equity from the house for our daughter's education.
Richard P
★ ★ ★ ★ ★
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We would highly recommend RateLock.ca. They gave us excellent advice and more importantly got us the money.
Ramlu S
★ ★ ★ ★ ★

Why Choose Ratelock ?

Your fastest, simplest, and most secure way to compare mortgage rates in Canada.

Local & National Expertise

Get personalized mortgage advice tailored to Port Coquitlam and all of BC, with deep knowledge of local markets and national lending standards.

Save Thousands

Our clients consistently save thousands of dollars through better rates and terms, keeping more money in their pockets for what matters most.

Extensive Lender Network

Access 40+ top Canadian lenders with one simple application, ensuring you get the widest selection of mortgage options available.

Real-Time Rates

We collect mortgage rates all day, every day. Get the most current rates and connect instantly with qualified mortgage brokers.

Personalized Analysis

We analyze your unique financial situation to find not just the best rates, but the best terms that perfectly suit your needs.

Zero-Obligation Free Service

Enjoy our comparison service at no cost and with absolutely no commitments. Start saving on your mortgage today—no upfront fees, no pressure.

Got Questions? We've Got Answers.

Find quick answers to the most common questions about our mortgage services.

How do you make money?
We make money by helping our customers get the money they need to achieve their goals. Our revenue comes from lender partnerships, not from charging you fees directly.
Should I refinance my existing mortgage?
Refinancing your existing mortgage is a huge decision. You can refinance to lower your rates or get a home equity loan to achieve your goals. We'll help you analyze if it makes financial sense for your situation.
What if I have less than perfect credit?
We can still help you. Contact us today to learn more about our programs designed for borrowers with various credit situations. We work with multiple lenders to find solutions.
How long does the process typically take?
Timelines vary for each individual, but we simplify the process to get you the money you need faster! Most applications are processed within 24-48 hours, with closings typically completed in 2-4 weeks.
Why aren't the best rates advertised by banks?
Many banks don't advertise their absolute lowest mortgage rates. These rates are often only available through negotiation. RateLock.ca saves you the hassle by tracking these competitive rates across Canada for you.
How does RateLock.ca get better rates?
We eliminate the need for negotiations by tracking the most recent mortgage prices from a wide network of banks and brokers. Our system is designed to hunt down the lowest available rates so you get the best deal without the hard work.
How much can I actually save?
Our users save hundreds of thousands of dollars every year. By comparing the whole market, you can lock in a lower rate that reduces your lifetime mortgage costs and saves you thousands.
Is this service available where I live?
Yes! We offer nationwide coverage, giving you access to banks and brokers across Canada. This ensures you have the widest selection of mortgage options available, no matter where you are.
Is it easier than negotiating myself?
Absolutely. We remove the need for stressful phone or in-person negotiations. Our platform gives you instant access to transparent, competitive rates from multiple lenders all in one place.
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