Today’s Lowest Mortgage Rates. Fast, Simple, Online.
Save thousands on your mortgage renewal or new purchase — with no hidden fees and no hassle.
Ontario Mortgage Agents
In association with with Better Mortgages, FSRA 13496
Canada’s Streamlined Mortgage
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.
Why Choose Rate Pilot?
Lower Payments – Lock in the lowest available rates and save thousands over your mortgage term.
Fast Approvals – Apply online in minutes and get quick answers.
Trusted Experts – Licensed Canadian mortgage professionals, here when you need us.
FAQ's
Q: Do I have to switch banks?
A: Not necessarily. We’ll show you the best options available — sometimes your current lender matches, sometimes another lender saves you more.
Q: Is there a fee to use Rate Pilot?
A: No. Our service is free — lenders pay us directly when we arrange your mortgage.
Q: What if I’m not sure whether to renew or refinance?
A: That’s what we’re here for. We’ll show you the numbers so you can make the best choice.
Disclaimer:
Rates shown by Rate Pilot are for informational purposes only and are subject to change at any time without notice. All rates are based on approved credit, qualifying income, property type, and other standard lending criteria, and apply to owner-occupied properties under typical circumstances. Rates may vary depending on your specific situation, the lender, the mortgage amount, amortization period, and the province or territory where the property is located. Not all applicants will qualify for the rates shown. Additional terms and conditions may apply. Mortgage products are subject to availability and approval by the lender and, where applicable, the mortgage insurer. This information does not constitute an offer or commitment to lend. Please contact a licensed Rate Pilot mortgage professional for advice tailored to your circumstances.