Today’s best fixed and variable rates.

8Twelve works with over 65 lenders to get the best rates, even for unique situations.

1-Year Fixed

Today's Rate

5.64%

3-Year Fixed Rate

High Ratio Mortgage

4.44%

5-Year Fixed Rate

High Ratio Mortgage

4.24%

5-Year VRM Rate

High Ratio Mortgage

5.50%

3 easy steps

Get your personalized mortgage in Canada

section step
Step 1

Apply

Fill in the short form online, or call us at 1.877.812.8123 to apply over the phone. The consultation is free, and there's no credit check.

section step
Step 2

Review your options

Our industry-leading, AI-powered technology searches 65+ lenders and over 7,000 mortgage solutions to find the ideal loan options for you.

section step
Step 3

Sit back and relax

Time to solidify your mortgage! Our team compiles all the necessary details and arranges for a quick and seamless signing online when everything is ready.

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.

fit in

I am buying a new home

I need a mortgage for my new home purchase happening soon.

fit in

I want to consolidate my debt

I have credit card debt and a few personal loans. I think it’s
time for consolidation so I can save money and make one easy
payment each month.

fit in

I am self-employed

The banks aren’t always able to service me. I’d like to work with
a mortgage broker who has attractive solutions for self-employed
businesspeople.

Ask us anything, we're here to help

4.9
home-page-google-review
900+

We help Canadians secure their best mortgage

We've helped thousands of people across Canada save on their mortgages and improve their financial positions.

Google Reviews
8Twelve Mortgage
Ogo Pogo

My first time using 8Twelve. I was assigned to George. He was very courteous and professional. He guided me with the application process for private mortgage, and was able to get me approval with a B-Lender in just few days of the original application. Could not get an A-Lender to accept my application. I was able to get an A-Lender mortgage on my own. When I informed George that I would not be proceeding with the B-Lender, he was very courteous about it. Even though we did not end up doing business, I was impressed by how George conducted himself professionally. Highly recommend him.

8Twelve Mortgage
Andrew Lee

I recently worked with Stefan on my mortgage, and I couldn't be happier with the experience! From the very beginning, he was incredibly knowledgeable and patient, answering all my questions and guiding me through the process. He took the time to understand my financial situation and found the best options for me. Stefan was always available to provide updates and address any concerns, making the whole process smooth and stress-free. I truly appreciated his attention to detail and commitment to helping me secure a great rate. I highly recommend Stefan to anyone looking for a reliable and trustworthy mortgage professional. Thank you, Stefan, for making my home-buying journey a success!

8Twelve Mortgage
Sadia S

From start to finish, the experience was nothing short of exceptional. It was clear that Gary and his team genuinely cared about securing the best possible loan for me, and I felt completely confident in their hands. My dream of being a homeowner was made possible and forever grateful! Thanks to their expertise and hard work, I was able to secure a fantastic loan with great terms, and the entire experience exceeded my expectations. l am so grateful for 8Twelve Mortgage Corp. and especially Tahseen’s support and highly recommend then to anyone looking for a knowledgeable, trustworthy, and truly caring mortgage broker.