Let a Broker Watch Rates For You
Public rate sites show yesterday's posted rates. A licensed Canadian mortgage broker monitors real broker-negotiated rates across 30+ lenders in real time — and contacts you when your target is live. Free service.
What you'll get
- ✓Target-rate alert — single email when the best available rate for your term hits your threshold
- ✓Weekly digest — Monday morning rate snapshot (1-yr through 5-yr fixed, variable)
- ✓BoC decision alerts — next BoC rate decision April 29, 2026
- ✓Stop anytime — one-click unsubscribe in every email
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 April 13, 2026.
Have a broker watch rates for you
A licensed mortgage broker can monitor rates in real time across 30+ Canadian lenders — not just the ones public rate sites show. Tell them your target rate once, and they reach out when the market hits it.
Why this beats a rate alert email
- →Broker-only rates are typically 10–25 bps lower than public rate sites show
- →Rate holds up to 120 days — once you hit your target, lock it immediately
- →Real offers, not ranges — quoted for your specific mortgage and credit
- →Free service — brokers are paid by the lender, not you
30 minutes. No commitment. Unbiased by-lender rate review.
Prefer to watch rates yourself? Bookmark our current rates page — updated weekly with broker-negotiated rates — and check back before your renewal.
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.
Related Guides
Best Mortgage Renewal Rates
Current best renewal rates — fixed and variable — across Canada.
Current Mortgage Rates
Today's Canadian mortgage rates across major lenders.
Canadian Rate Forecast
Where rates are heading — major bank forecasts for 2026 and beyond.
Bank of Canada Rate Decisions
Every BoC rate decision and what it means for your mortgage.
Renewal Date Reminder
Set an automated reminder 120 days before your renewal date.
Book a Free Strategy Call
15-minute call with a licensed broker — free, no obligation.