Call nowInfo

All Things Mortgage

Edmonton • Calgary • Kelowna • Vancouver


5 Star Google Reviews


*5 Year Variable - Feature Rate - Conditions Apply

At Ratefair we offer great mortgage rates and friendly service. Whether it’s your first home, an investment property, a new construction home, a transfer or a refinance, we’ll do our best to get you a mortgage that fits your life.

Our Goal

With years of experience in the financial and mortgage sector, our team recognizes that everyone’s financial situation is unique and we like nothing more than finding the most suitable mortgage for your stage of life.

One of our qualified team members would love to walk you through our simplfied mortgage approval process and get you the best mortgage rates possible.  We know your home is one of the biggest decisions and purchases you may make in your life and we pride ourselves on educating and providing you with a variety of mortgage options so you can make the best decision for you and your family.  Our goal is to help you shop for your home with confidence!

Today's Rates

See Today’s Mortgage Rates.

Buying a Home?

Get Pre-Approved

What Can You Afford?

Try Our “Quick Pre-Approval” Process To Find Out Fast.

Tools & Estimators

Mortgage Calculators & More

Stay Informed

Check out our blogs

We can help with your Mortgage

Thanks for visiting us in search of your new mortgage and a great mortgage rate. We are committed to finding the mortgage product that best fits your current financial situation, providing great mortgage rates, and educating you on renewal options or additional purchases. Reach out to us for a great rate and easy application process. We look forward to working with you!


Ratefair Knowledge Centre

New to Canada Program

New to Canada Program Offered by Sagen If you're a new immigrant, it's likely you don't have a credit rating in Canada, and you may not yet qualify for permanent residency, which means you'll be ineligible to secure a mortgage through a traditional lender. This is...

What You Need to Know About the Mortgage Stress Test

On October 17, 2017, the Office of the Superintendent of Financial Institutions announced new mortgage rules, which were officially put into effect on January 1, 2018. The new regulation requires lenders to conduct a mortgage stress test, a stringent assessment of...

What Are Closing Costs?

What Are Closing Costs? Closing costs are one-time expenses associated with the purchase of a home. If you're settled on purchasing a home, you have to account for these extra outlays in your budget. A common mistake for homebuyers is to underestimate the amount...

What is a Reverse Mortgage and Who is Eligible?

As our senior citizen population expands amidst widespread financial challenges, you might be wondering, how will this significant population financially sustain themselves, post retirement? One practical option for those seeking a source of income at this stage of...

Mortgage & Divorce/Separation

We love happily-ever-afters as much as the next person… but the unfortunate reality is that divorce happens, and it happens often. Did you know that until your divorce is finalized, you need the approval of your spouse in order to sell your current home or purchase a...

How to Buy a New Home Before Selling Your Old One

Buying a new home involves a lot of time, effort, and planning, especially amid family and work obligations. Everything from locating your ideal home, to obtaining the right mortgage, to hiring a moving company to transport your belongings. Now compound that by having...

What is Bridge Financing?

What is Bridge Financing? For most people, the first home they purchase will not be the one they will live in forever. At some point in time, they may decide to upgrade or downsize or move to a new city. The usual process is to first sell the old home and use a...

6 Ways to Pay off Your Mortgage Quicker

6 Ways to Pay off Your Mortgage Quicker Your mortgage is likely to be the largest debt obligation you'll have to pay down. It's not uncommon these days for homeowners to take on mortgages that will require payments for very long periods of time, even up to 25 years....

Co-Signer vs Guarantor: What’s the Difference?

Edmonton Mortgages - Co-signer vs. Guarantor With the cost of homes increasing in certain markets and the stress test in place, it's becoming more and more common for the average individual to struggle when it comes to qualifying for a mortgage. Unable to obtain...

Borrowed Down Payment Program Offered by Genworth Canada

Saving for a down payment can be challenging. It can take many years to accumulate the funds needed, and for those who are not blessed with deep pockets, it can be downright impossible. Sometimes, the only way to obtain the funds for a down payment is through...