Top Mortgages Inc · Mortgage professionals

Your mortgage, handled properly.

One conversation, dozens of lenders. Tell us your situation and a licensed mortgage professional finds the option that fits, for buying, renewing, refinancing or using your equity.

Today's market guide
Typical 5 Year Variable rate
3.80%
A guide to the market, not a quote.
Your rate depends on you. Find out yours.

These figures are typical rates for well-qualified borrowers in Canada today, based on Government of Canada bond yields and the Bank of Canada prime rate. They are not an offer or a guarantee. Your own rate is set by the lender and depends on your credit, property, down payment and income. Check yours with no cost and no obligation.

See what I qualify for
TermTypical market rateEstimated payment
5 Year Variable 3.80% ▲ 0.25 vs 1 month ago $0/mo
3 Year Fixed 5.04% ▲ 0.05 vs 1 month ago $0/mo
5 Year Fixed 5.11% ▼ 0.08 vs 1 month ago $0/mo
Bank prime rate 4.70% Stress-test qualifying rate 7.11%
Market guide only, as of November 13, 2026, updated daily from Bank of Canada data. These are indicative figures, not an offer, quote or guarantee from Top Mortgages Inc or any lender, and the rate you receive may be higher or lower. Payments are estimates using a 25-year amortization and semi-annual compounding. Use our mortgage calculator for a better look.
Mortgage guides

Which one sounds like you?

Pick your situation for a plain-language guide: how lenders look at it, what to prepare, and the options that fit.

Employment & income

How you earn your income

For business owners & contractors I'm self-employed or own a business Get approved when your tax return shows less than you really earn. Read the guide For T4 employees I'm paid a regular salary See how lenders size your mortgage on a T4 income. Read the guide For realtors, sales & seasonal workers I earn commission, tips or bonuses Variable income can count. Here is how lenders average it. Read the guide For newcomers & Canadians abroad I'm new to Canada Mortgage options for newcomers, work permits and non-residents. Read the guide For employed business owners I have a job and own a business See how lenders combine employment income and business earnings when qualifying you for a mortgage. Read the guide For homeowners whose income does not show on paper My income is hard to prove Limited or stated income? See when equity-based lenders may look past the paperwork. Read the guide For retired homeowners and those close to retirement I'm retired and own my home Pension, RRIF and investment income, plus reverse mortgage, HELOC and downsizing compared. Read the guide

Property & mortgage needs

What you want your mortgage or home equity to do

For current homeowners My mortgage is coming up for renewal Compare your options and look for a better rate before you sign. Read the guide For homeowners who need cash I need money from my home's equity Access money for renovations, vacations, education, investments or other expenses. Read the guide For homeowners who want flexible credit I want a home equity line of credit HELOC is a flexible credit line secured by your home. Borrow what you need, when you need it. Read the guide For homeowners who want cash and one payment I want to refinance and take out cash Replace your existing mortgage and access some of the equity in your home. Read the guide For homeowners with high-interest debt I want to consolidate my debts Combine credit cards, loans and other debts to simplify payments and potentially reduce interest. Read the guide For homeowners ready to renovate I want to renovate or upgrade my home Use your equity to repair, renovate or add value to your property. Read the guide For homeowners with an opportunity I want to invest or fund a business Use home equity for another property, an investment or business needs. Read the guide For families funding education I need to pay for tuition or education Fund college, university or your children’s education with your equity. Read the guide For investors with 2+ properties I own more than one property Financing rentals and a growing property portfolio. Read the guide For homeowners age 55 and over I'm 55 or older and want to use my home's equity A reverse mortgage: tax-free cash with no monthly mortgage payments. Read the guide For homeowners who want to keep their first mortgage I want cash without touching my first mortgage Borrow against your equity with a second mortgage and keep your current rate. Read the guide For homeowners buying before they sell I am buying before I sell Bridge financing to close on your next home before your current one is sold. Read the guide For homeowners who want to use the equity they have built I want to borrow against my home equity HELOC, home equity loan, second mortgage or refinance: compare them side by side. Read the guide For small-business owners buying or refinancing property I own a business and want to buy or refinance commercial property Commercial and mixed-use financing for small-business owners in Ontario. Read the guide For borrowers who need lower payments for a set period I want lower payments for now with interest-only When interest-only payments are used, what they risk and how to plan the exit. Read the guide For homeowners adding a rental unit or family suite I want to add a basement apartment or secondary suite Financing a legal second unit, garden suite or laneway suite, and how rent may help. Read the guide

Financial challenges & special situations

When things are tight or the usual route is closed

For homeowners under financial pressure I'm struggling with debt payments. Behind on mortgage payments, declined by banks on renewal? You have options. Read the guide For condo investors in trouble I'm a condo investor in arrears Behind on a condo mortgage, lien or notice of sale? Ways to stabilise. Read the guide For borrowers turned down by a bank My credit needs work Private and alternative lending while you rebuild your credit. Read the guide For borrowers the banks cannot help right now A bank said no and I need a private lender How private mortgages work, what they cost and how to get out of one. Read the guide For people keeping the home after a separation I am separating and want to keep the home Buying out a spouse or partner, refinancing to change the title, and who to speak to first. Read the guide For homeowners behind on their mortgage I received a power of sale notice What the notice means, what options may exist and why acting early matters. Read the guide
How it works

Three simple steps

1

Tell us your situation

Start the online application or chat with our AI assistant any time. Your answers save as you go, and there is no credit check.

2

We compare the lenders

A licensed mortgage professional reviews your file and shops banks, credit unions and alternative lenders for you.

3

Choose with confidence

You get clear options in plain words, with the costs explained, and we guide you all the way to closing.

About Top Mortgages Inc

A mortgage professional on your side

We help individuals, families, homeowners, and investors find mortgage solutions tailored to their financial needs and goals. Whether you're buying a home, renewing or refinancing, consolidating debt, accessing home equity, financing an investment property, or exploring alternative lending, we work with a network of lenders to find the right options. Our goal is to make mortgage financing simple, accessible, and stress-free through personalized guidance and professional advice.

  • Access to dozens of lenders, not just one bank
  • Purchases, renewals, refinances and home equity
  • Self-employed, newcomer and credit-rebuild files welcome
  • Answers any time from our AI assistant, then a real person follows up

Ready to talk about your mortgage?

Start a quick application, or ask our AI assistant anything. A licensed mortgage professional follows up.

Start My Application