Welcome
Navigating today’s mortgage market can be complex and challenging. With fluctuating rates and various options, finding the right mortgage is a critical part of your financial future. At Mortgage-Wealth.ca, we understand the importance of this decision and are committed to being the right partner for you. We pay meticulous attention to your unique requirements, ensuring you secure a mortgage that aligns with your long-term goals.
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Current Rates
Our rates are always competitive and we pride ourselves on making sure that you get the best possible rate available to you. Check out our current rates below, compared to the competition.
Current Rates
Current variable mortgage rate is
4.55%
Current prime rate is
5.45%
-
- Terms
- Bank Rates
- Payment Per $100k
- Our Rates
- Payment Per $100k
- Savings
-
- 6 Months
- 7.89%
- $756.21
- 7.49%
- $730.93
- $25.28
-
- 1 Year
- 7.74%
- $746.69
- 5.69%
- $621.50
- $125.19
-
- 2 Years
- 7.34%
- $721.53
- 5.49%
- $609.81
- $111.72
-
- 3 Years
- 6.94%
- $696.72
- 4.64%
- $561.28
- $135.43
-
- 4 Years
- 6.74%
- $684.44
- 4.64%
- $561.28
- $123.16
-
- 5 Years
- 6.79%
- $687.50
- 4.54%
- $555.70
- $131.80
-
- 7 Years
- 7.10%
- $706.60
- 5.40%
- $604.58
- $102.02
-
- 10 Years
- 7.25%
- $715.92
- 5.80%
- $627.97
- $87.95
How to Apply
Applying for a mortgage couldn’t be easier. Just complete our secure application and we will be in touch shortly.
Apply NowWelcome to Mortgage-Wealth.ca, your trusted Mortgage Agent in the Niagara region, serving all of Ontario and specializing in a wide array of mortgage solutions tailored to your unique requirements. Whether you're a first-time homebuyer, looking to refinance, or exploring alternative mortgage options, we're here to assist you with personalized and flexible solutions.
Our Services Include:
- Mortgage Refinancing: Secure better rates and terms to fit your financial goals.
- Home Purchase Mortgages: Guiding you through your home buying journey.
- Alternative Mortgage Solutions: Tailored options for unique financial situations.
- Private Mortgages: Access to non-traditional funding channels.
- Commercial Mortgages: Financing solutions for your business needs.
- Reverse Mortgages: Utilize your home's equity without selling.
- New to Canada Mortgages: Making homeownership accessible for newcomers.
- Mortgage Renewals: Seamless transition to a new mortgage agreement.
- Investment Properties: Including insured funding for specific situations. eg: Cottage, House for your university student, elderly parent, or entrepreneurial child.
- Fixed-Rate and Variable Rate Mortgages: Options to suit your preferences.
Mortgage Agent vs. Bank: Why Choose Us?
- More Options: While banks offer limited products, we provide access to various lenders. No need to go from bank to bank looking for the best rate and more.
- Personalized Service: We take the time to understand your needs, guiding you through Mortgage Renewals, Fixed-Rate Mortgages, Variable Rate Mortgages, and beyond.
- Unbiased Advice: Banks promote their products; we offer unbiased advice to find the right solution, from Reverse Mortgages to New to Canada Mortgages.
- Flexible Solutions: Whether it's Bad Credit Mortgages or tailored Ontario Mortgage Programs, we find solutions that banks often can't.
Free Mortgage Services (With Transparency): Our services are typically FREE to you. We work with various lenders and receive a commission from them, not from you. In the toughest of lending situations, there may be fees, but rest assured, it’s especially under those circumstances that a mortgage professional can do for you what your bank cannot. You will know in advance if those fees are applicable, and you have no obligation to proceed. From Mortgage Pre-Approval to closing the deal, we ensure transparent and honest communication. Our goal is to find the best mortgage solutions that align with your financial objectives, even in areas where traditional banks may fall short.
Contact us today to explore which mortgage best suits your requirements. Let us be your partner in achieving your homeownership dreams, with the flexibility and personalized care that only a dedicated Mortgage Agent can provide.
Derek was not only patient as he walked us through our options, but also incredibly thorough in his research around the best possible product for us. We have referred him many times, and will continue to do so!
Dan S.
Derek is helpful and expert on his job, he knows very well how to handle his client. I recommend everyone to contact him for any mortgage and financial work. Thank you !
Brendan C.
Derek was a pleasure to work with. As first time home buyer he really helped me comprehend my best options for my mortgage. He was attentive, thorough and appreciative of our needs. I would highly recommend him.
N.D
Derek was so helpful, so patient and full of information!!
He took the time to answer all of my questions about which type of mortgage was right for me. I truly felt that I could ask questions candidly and he made me feel at ease and answered all of them. Thanks Derek for your wealth of knowledge and your easy going personality.
Shelly H.