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All Things Mortgage

Edmonton • Calgary • Kelowna • Vancouver


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*5 Year Fixed - 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

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Buying a Home?

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Diverse Loan Options

Whether you want fixed or variable, we have the right option for you.

Tools & Estimators

Mortgage Calculators & More

Stay Informed

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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!



Sarah made renewing my mortgage an extremely simple process even though I was changing service providers. She ensured I had the best rate and the right type of mortgage for my current life. I cannot speak highly enough of the excellent service she provided, not to mention arranging for someone to visit me at home to obtain my signature on the mortgage
documents. A great experience all around!


Sarah made our mortgage renewal so easy! Even when our previous lender made it more complicated than it should have been, she was there to simplify everything for us . She was determined to get us the best deal and took care of every detail. I highly recommend her to anyone looking for a mortgage or renewing an existing one!


We had the pleasure of renewing our mortgage with Ratefair and it was a great experience!
Brent was awesome to work with and very knowledgeable. He was always quick to respond to any questions we had and got us a great interest rate on our mortgage. We highly recommend them to everyone.

Ratefair Knowledge Centre

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...

A Lenders, B Lenders, and Private Lenders – Which One Should You Pick to Fund Your Mortgage?

The Difference Between a Lenders, B Lenders and Private Mortgage Lenders On January 1, 2018, the Canadian government required the major banks to conduct "stress tests" on prospective borrowers, effectively making it harder for the average household to qualify for a...