Refinance
and unlock equity.
Refinancing can consolidate debt, fund renovations, or lower your payments. We make it simple and fast.
Google 4.9 / 5
1,000+ verified reviews
Drag the sliders. See what you'd actually pay.
No forms. No obligation. Just a real look at your monthly payment and how much you'd save vs your bank.
Your mortgage payment
InteractiveYour monthly payment
At 3.65% best available over 25 years
Best of 65+ Canadian lenders
Insured (high-ratio) rate — for purchases with less than 20% down. Uninsured rates differ.
Big bank posted
5.39%
You'd save vs the bank
Best available rate from 8Twelve's lender panel, subject to qualification and lender approval. OAC. Rates are subject to change and are shown for calculation purposes only. Your actual rate may vary based on your individual financial situation.
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The 8Twelve difference
We're not your bank. We work for you - connecting Canadians with the right mortgage at the best rate, backed by expert service every step of the way.
Recognized excellence
Ranked among Canada's top mortgage brokers - trusted by thousands of Canadians every year.
Canada's best mortgage rates, right now
Updated daily. Rates shown are our best available - your actual rate depends on your profile and province.
Stable payments, locked in for 5 years. Perfect for first-time buyers.
Get this rateFollows the Bank of Canada rate - can save more when rates drop.
Get this rateBest available rates shown are from 8Twelve's lender panel and are subject to your qualification, lender approval, and change without notice. On approved credit (OAC).
The 8Twelve play-by-play
From first click to closing day - we make getting your Canadian mortgage straightforward, transparent, and fast.
Start your free applicationExplore your options
Fill in our quick online form or give us a call. No obligation. Takes under 5 minutes.
We search 65+ lenders
Our AI-powered platform scans 7,000+ mortgage solutions to surface your best-fit options instantly.
Expert advice, your way
Your dedicated mortgage agent reviews the results with you and guides you to the right product.
Close - fast and easy
We handle everything. Upload documents online, sign digitally, and your mortgage is done.
Did you know we can hold your rate for up to 120 days?
Our trusted team of mortgage professionals guide you through every step of the financing experience - from first consultation to the life of your loan. Unbiased advice, zero commission pressure.
Where do I fit in?
We all have different needs. With so many mortgage solutions to choose from, 8Twelve walks you through the process and helps you choose the product that will benefit you the most.
Join hundreds of thousands of Canadians who trusted us
Ask us anything, we're here to help
Get answers to the most common mortgage questions from our team of experts.
We help Canadians secure their best mortgage
"We worked with Shawn Mooney and we are so happy with the level of service we received. Shawn was professional, punctual, knowledgeable, and made the entire process smooth. Highly recommend!"
"We had a great experience with 8Twelve. Joanne Bateman and Lakshi helped us secure an amazing rate. The team was fantastic throughout the entire process."
"8Twelve made our first home purchase stress-free. They explained everything clearly, found us an incredible rate, and were always available to answer questions. Five stars without hesitation."
"As a self-employed individual the banks always gave me a hard time. 8Twelve found me a mortgage with a great rate in under a week. Absolutely incredible service."
"Renewing our mortgage was so easy with 8Twelve. They found us a rate 0.8% lower than what our bank offered. That's thousands of dollars saved over our term. Thank you!"
"From first call to signing, the team at 8Twelve was exceptional. They kept us informed every step of the way and genuinely cared about getting us the best deal possible."
The 8Twelve knowledge hub
We launched our knowledge hub with one goal: to guide you through Canada's most important financial decision.
Let's find the perfect mortgage for you - today.
Free consultation. No obligation. Just Canada's best rates and expert advice.
Available 7 days a week · Apply from anywhere in Canada