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


3-Year Fixed Rate

High Ratio Mortgage


5-Year Fixed Rate

High Ratio Mortgage


5-Year VRM Rate

High Ratio Mortgage


3 easy steps

Get your personalized mortgage in Canada

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Step 1


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.

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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.

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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

Ask us anything, we're here to help

600+ Reviews

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
Brendon Stewart

We worked with Shawn Mooney and we are so happy either the level of service we received. Shawn was professional, punctual, knowledgeable

Jaziel Rene Navarro

We a great experience with 8Twelve.We were referred by our Primerica Representative.Joanne Bateman and Lakshi help us

Cynthia Fehr

8 Twelve helped us when so many others said no. The minute we spoke with Sabrina (mortgage broker) and Lakshi