Reviewed by Scott Dillingham · Licensed Mortgage Agent (Ontario, Level 2) · Updated July 23, 2026
Let a Broker Watch Rates For You
Public rate sites show yesterday's posted rates. Submit your target below and a licensed broker on our team will follow up when broker-negotiated rates across 30+ lenders match — free, no automated newsletter.
What happens next
- ✓Team review — a licensed broker on our team receives your target rate, term, and province
- ✓Personal follow-up — we reach out when broker-channel rates match your target (not posted bank rates)
- ✓Rate hold option — book a free call anytime to lock a 120-day hold before renewal
- ✓No spam — one broker follow-up path, not an automated newsletter
Broker rates move daily
Public rate sites can be days stale, and broker-channel rates are rarely published at all. For today's live broker-negotiated rate on your term and renewal date, talk to a licensed agent — it's free and takes about 30 minutes.
Get today's live rate quote →Page last updated July 22, 2026.
How Broker Rate Monitoring Works
Canadian mortgage rates move in small increments — often 0.05% at a time — but a 0.25% drop over a few weeks can easily mean thousands of dollars over your next 5-year term. Monitoring them yourself means checking rate sites daily and still only seeing the rates lenders publish.
When you book a free broker call, you share your target rate, renewal date, and term preference. The broker monitors real broker-channel rates (typically 10–25 bps lower than public posted rates) and contacts you when your target is hit — in time to lock a 120-day rate hold. No sales pressure, no cost.
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