Variable
3.70 percentCurrent variable mortgage rate
Ontario mortgage guidance, made personal
Mortgage advice built around you.
Helping Ontario homebuyers and homeowners understand their options, compare mortgage solutions, and move forward with confidence.
Serving clients across OntarioClear, no-pressure conversation
Licensed Mortgage Agent
Personalized Advice
Multiple Lending Channels
No-pressure Consultation
Current mortgage rates
Today’s mortgage rates and market snapshot.
A quick look at featured mortgage rates and important Canadian market indicators—each clearly separated for clarity.
Mortgage rates
Featured rates
Updated automatically
3-year fixed
4.69 percentFeatured mortgage rate
5-year fixed
4.89 percentFeatured mortgage rate
Market indicators
Market snapshot
Official Bank of Canada data
Prime rate
Reference rate used by Canadian lenders for many variable-rate borrowing products.
Bank of Canada rate
Current policy interest rate set by the Bank of Canada.
5-year Canada bond
A market indicator commonly associated with fixed-rate mortgage funding conditions.
Some conditions may apply. Rates may vary from Province to Province. Rates subject to change without notice. *O.A.C. E.& O.E. Bank of Canada values are official market reference data, not mortgage offers. Mortgage availability, pricing, and qualification depend on the borrower, property, lender, and product. This information is not a commitment to lend or a mortgage approval. See the full website disclaimer.
The process
A simpler way to get your mortgage.
Four clear stages, one point of contact, and a better understanding of what comes next.
01
Tell me about your goals
Share where you are now, what you want to accomplish, and the timing that matters.
02
Review your options
Compare suitable structures, costs, and trade-offs in plain language.
03
Prepare the application
Organize the documents and details lenders need to review your request.
04
Move toward closing
Stay informed through lender conditions, approval, and the steps before funding.
Mortgage solutions
Guidance for where you are—and what comes next.
From a first set of keys to a strategic refinance, get advice shaped around the details that make your situation different.
Why work with me
Mortgage advice should feel personal.
You deserve more than a rate quote. The right conversation connects today’s mortgage decision to the life you are planning around it.
More options
Explore solutions from multiple lending channels instead of relying on one institution.
Clear guidance
Understand the numbers, trade-offs, and next steps before making a decision.
Personal service
Work directly with a licensed mortgage professional throughout the process.
Convenient process
Connect virtually, by phone, or in person.
Your Ontario mortgage professional
Meet Hardik Patel.
Hardik works with homebuyers and homeowners across Ontario, helping turn mortgage questions into a clear, practical next step.
Whether you are preparing for a purchase, reviewing a renewal, or considering a refinance, the focus stays on understanding your options and the full trade-offs behind them.
Licensed title
Mortgage Agent Level 1
Individual licence
Hardikkumar Patel
Licence #M26001417
Authorized brokerage
Affinity Mortgage Solutions Inc. · Lic. #13093
Quick estimate
See how the pieces shape your payment.
Adjust a few inputs for an illustrative estimate, then open the full calculator for insurance, term totals, and an amortization schedule.
Estimated monthly payment
$3,489.63per month
- Base mortgage
- $600,000
- Default insurance
- $0
- Total mortgage
- $600,000
This is an illustration, not a quote or approval. The rate shown is editable example data.
Client stories
Trust is earned in the details.
This space is prepared for verified client feedback. Reviews will be published only after the original content and source are approved.
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Mortgage FAQ
Good decisions start with good questions.
Short, practical explanations for the questions that come up most often.
What does a mortgage agent do?
A mortgage agent helps you understand borrowing options, prepares your application, and works with lenders through the financing process. The agent should also explain key costs, conditions, and trade-offs so you can make an informed decision.
Why use a mortgage agent instead of going directly to a bank?
A bank can offer its own products. A mortgage agent may be able to explore more than one lending channel and help compare how the rate, features, penalties, and qualification requirements fit your situation.
How much down payment do I need?
The minimum depends on the purchase price and your eligibility. Generally, it is 5% up to $500,000; 5% of the first $500,000 plus 10% of the amount above that for homes below $1.5 million; and 20% at $1.5 million or more. A lender may require more.
What is mortgage default insurance?
Mortgage default insurance protects the lender and is generally required when the down payment is below 20%. The premium is usually added to the mortgage, while applicable provincial tax on that premium cannot be added to the loan.
What is a mortgage pre-approval?
A pre-approval is an early review of your finances and a potential mortgage amount or rate hold. It is not a final approval: the lender still needs to verify your information and approve the property and full application.
A clearer next step
Your next home starts with a conversation.
Whether you are buying, renewing, or refinancing, let’s review the options and shape a mortgage strategy around your goals.
Speak directly with Hardik Patel. No approval is guaranteed; qualification and lender conditions apply.