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Rates

At Maximum Mortgage, our name says it all: we give you Maximum access, Maximum choice, and Maximum value.

That includes bringing you some of the most competitive mortgage rates, thanks to our full-market access and strong lender partnerships. Whether you’re a first-time buyer, upgrading, refinancing, or renewing — we’ll help you secure the lowest rate with the best terms for your situation.

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5 Year – Fixed Term from

4.14

Apply with Maximum Mortgage to secure your most competitive rate through a clear and transparent process.

Rates differ based on individual circumstances. Factors such as credit score, mortgage balance, home equity or down payment, and transaction type (purchase or refinance) can all impact your rate. Property status – whether it’s a primary residence or rental – may also influence the outcome.
As licensed mortgage brokers, we navigate these factors on your behalf to identify the most suitable and competitive rate available.

Let us guide you toward your Maximum savings with a no-obligation consultation.
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Illustration purposes only. Mortgage payment is based on the remaining amortization period. Certain conditions may apply for the best interest rate. Please speak to your broker for more details.

Unlike banks that offer only their own in-house rates and products, we shop around for you — across dozens of lenders — including:

  • Major banks
  • Credit unions
  • Monoline lenders (mortgage-only institutions)
  • Alternative and private lenders

We compare apples to apples, negotiate on your behalf, and help you understand more than just the rate — because the lowest rate isn’t always the best mortgage.

The rates listed above are a great starting point — but the best mortgage rate for you depends on:

  • Your credit score
  • Employment status and income
  • Down payment amount
  • Property type and location
  • Loan amount and term

We’ll give you an honest, obligation-free quote — and we’ll tell you exactly why you qualify for a certain rate (and how to improve it, if needed).

Choosing the right type of mortgage isn’t just about the lowest rate — it’s about the right fit for your situation. We’ll walk you through:

  • How rate trends may affect your decision
  • The pros and cons of fixed vs variable in today’s market
  • Which lenders offer the best mix of rate + features