More Lenders

More Options

Mortgage Factory helps homeowners and buyers secure the best financing options from a variety of lenders across Canada. More Lenders mean more options!

Mortgage Factory

MORTGAGE FACTORY

Our Services

We know that all lenders are not created equal – there are different products, qualifying criteria and fine print. That’s why we tailor our approach to ensure you get the right mortgage.

Our expert knowledge will help you find the perfect mortgage for your needs. From start to finish, we guide you every step of the way so you can be confident that your investment is secure and on track toward being mortgage free.

Home Buyers

Home Buyers

Mortgages for prospective homebuyers. Those who are purchasing their first home and those who are moving into another home or investing.

Mortgages

Homeowners

Mortgages for homeowners who are renewing or refinancing for their next big project or looking to save on interest.

MORTGAGE LENDERS

Canada's Top
Mortgage Lenders

Mortgage Lenders specialize solely in mortgages. This means a low competitive interest rate for you. We have a network of Credit Unions, that offer unique mortgage options and brick-and-mortar banks to offer our clients even more mortgage options. With more lenders, we have more options that suit you.

MORTGAGE RATES

Latest Interest Rates

Fixed

Popular rates for Purchase and Switch Mortgages. Closed term, Fixed¹ rates.

3-Year Fixed
4.99%
5-Year Fixed
4.89%

Variable

Popular rates for Purchase and Switch Mortgages. Closed term, Variable (VRM¹) and Adjustable (ARM¹) rates.

5-Year VRM
6.20%
5-Year ARM
-1.00%

Bank of Canada

Key interest rates set by the Bank of Canada (BoC).

Qualifying Rate²
5.25%
Overnight Rate³
5.00%
Prime Rate³
7.20%

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Why M Factory

BROKER ADVANTAGES

Mortgage Factory

Mortgage Factory has an extensive network of Canadian banks and lenders to secure your mortgage and get the best rate, privileges, and perks. Our streamlined process ensures a great experience that saves you time and money.

RESOURCES & TOOLS

Explore Our Tools

Mortgage Calculator

Mortgage Calculator

Mortgage Lenders

Mortgage Lenders

Credit Score

Credit Scores 101

Broker Advantage Button

Broker Advantage

CAREER OPPORTUNITIES

Join Our Team!

At Mortgage Factory, we’re committed to building strong relationships with our clients. We seek talented and passionate professionals dedicated to providing the best possible service.

We believe in empowering our employees to pursue their ambitions and reach their full potential. If you’re looking for a challenging and rewarding career, join us at Mortgage Factory!

Are You A Mortgage Agent?

M FACTORY

Mortgage News

The Housing And Mortgage Market Review: Q2 2024

The Housing and Mortgage Market Review: Q2 2024

Mortgage Professionals Canada is delighted to announce our new collaboration with Oxford Economics in delivering our revamped Housing and Mortgage Market Review. This essential resource is designed to help you stay on top of the latest economic trends

Mortgage Interest Rate Cuts In June?

Mortgage Interest Rate Cuts In June?

February’s inflation numbers suggest a possible shift in the monetary policy stance of the Bank of Canada, with speculation rising that it may opt for its first mortgage interest rate cut as early as June.

First-Time Homebuyer Incentive Terminated

First-Time Homebuyer Incentive Terminated

The initial promise of the first-time homebuyer incentive seemed like a beacon of hope for many prospective homebuyers grappling with the challenge of saving up for a down payment. Regrettably, the program’s execution left much to be desired,

Legal Disclaimer

¹ The lender offers personal lending products and residential mortgages and is subject to those lending criteria, terms and conditions. Offers may be changed, withdrawn or extended at any time without notice. Interest rates are provided for information purposes only.
² OSFI’s guideline B-20 sets the minimum qualifying rate for mortgages. It is the greater of the contractual mortgage rate plus two percent or the five-year benchmark rate published by the Bank of Canada.
³ Bank of Canada’s published rate values.

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