Rate checkers · data checked 2026-11-01
Which rate do you want graded?
Each checker grades your rate against the lowest rate published today for the same product, term, insurance class and province, so a renewal is never judged against a HELOC. The home page grader does all four.
Grade a fixed rate
Is this a good fixed mortgage rate?
Grade a Canadian fixed mortgage rate A+ to F against the lowest published rate for your term, insurance and province, plus what borrowers typically pay.
Lowest published today (Ontario example): 4.34%
Grade a variable rate
Is this a good variable mortgage rate?
Grade a variable mortgage rate against today's lowest published variable rate for your insurance class and province, and see your spread to big-bank prime.
Lowest published today (Ontario example): 3.45%
Grade a renewal offer
Is this a good mortgage renewal rate?
Grade your renewal offer against the lowest rate another lender publishes for the same term and insurance class, see the dollars at stake and what to ask for.
Lowest published today (Ontario example): 4.34%
Grade a HELOC rate
Is this a good HELOC rate?
Grade a home equity line of credit rate against the lowest HELOC rates lenders publish, see your spread to big-bank prime and the yearly cost of the gap.
Lowest published today (Ontario example): 5.10%
Not a mortgage?
Car loans, cards, savings and GICs
We don't grade these, because there's no reliable daily list of the best published rates to measure against. The other rates page compares each with the Bank of Canada's dated figure and shows the dollar difference.