At Rate Pilot, we focus on one thing: helping you get a better mortgage rate. Our online-first platform reduces unnecessary costs and paperwork, allowing us to pass the savings directly to you. Unlike traditional brokers who prioritize advice-heavy services, Rate Pilot is designed for straightforward borrowers who want sharp pricing and a smooth, digital experience.

With access to Canada’s top lenders, we compare mortgage products in real time and, when it benefits you, we’ll even buy down our commission to secure a lower rate. That means you enjoy competitive rates, fast approvals, and secure digital document uploads — all while working with licensed Canadian mortgage professionals. Whether you’re buying, refinancing, or renewing, Rate Pilot helps you save money, close on time, and feel confident in your mortgage decision.