Toronto Mortgage Rates

Featured Mortgage Rates Starting at 2.49%

ProductMarket RateTridac Mortgage Rate 
1 Year Fixed3.19%3.04%Apply Now
2 Year Fixed3.04%2.89%Apply Now
3 Year Fixed2.99%2.74%Apply Now
4 Year Fixed2.84%2.69%Apply Now
5 Year Fixed2.94%2.44%Apply Now
5 Year Variable3.20%2.85%Apply Now


At Tridac Mortgage we are fully committed to your financial wellbeing. So when it comes to saving you money via low mortgage interest rates we take it seriously. As your mortgage brokers, we leverage our 4 decades of experience and relationships in the Canadian mortgage market to find you the most suitable mortgage at the lowest rate.

1. Mortgage Brokers are Independent

As a mortgage brokerage, we are completely independent. We don’t work for any specific financial institution and we are not obligated to sell you any specific product, interest rate or brand. Instead, we learn about your unique circumstances and match you with the most suitable lender and mortgage products.

2. We work with many different mortgage lenders

Some of these include:

  • Banks
  • Monoline Lenders (Specialized mortgage lenders that only fund and service mortgages)
  • Trust Companies
  • Insurance Companies
  • Mortgage Investment Corporations
  • Private Lenders

Each lender has unique advantages and specialties suitable for different mortgage situations. It’s our role to work with you to identify the most suitable lender and then leverage our relationships to make sure we secure financing for you at the lowest possible rate.

Lenders rely on high volume trusted mortgage brokerages like us to find them, new clients, just like you.

Like all markets, the mortgage interest rate market is competitive so at any given time different mortgage lenders may roll out a discounted interest rate special to attract new borrowers.

3. We’re paid by the lender but work for you

For most mortgages, we get paid by the mortgage lender via a finders fee. This is a commission paid directly from the lender. It is not hidden or buried in the cost of your mortgage.

This commission is pretty much standard across lenders, so we aren’t incentivized to choose one lender over another. It puts you and your interest in front and center of the advice that we give. You can trust that you are receiving unbiased advice while getting the best mortgage rate.


See what our clients are saying

Chris and Sandra have given us excellent advice in guiding us through our last two mortgage renewals. Both times, they have helped us attain an even better arrangement than we'd thought was possible based on our current goals, finances, and life stage. Knowledgeable, friendly and efficient ... Highly recommend.

Linda Doughty

Linda Doughty

2 weeks ago

Can't thank Chris enough for his relentless support and consistent coordination for making my project a successful one. It was not an easy job and Chris and Sandra did their best to make it happen in the most satisfactory manner.

They are always super prompt in their responses, and overall an excellent team to trust upon for something important such as your mortgage.

I wholeheartedly recommend Tridac Mortgage for any mortgage related requirements and can guarantee that you would not be disappointed.

Keep up the excellent work, Chris. Cheers!

niladri mukherjee

niladri mukherjee

1 month ago

We used this company as a mortgage broker on our last mortgage renewal and got a fantastic rate. Recently, we consulted with Christopher Molder and he provided us with expert information gleaned from years in the business. His expertise greatly helped in guiding our decision making. My husband and I were so impressed with his genuine friendliness, honesty and integrity. We would definitely recommend Tridac Mortgage's services.

Kathryn Hanson

Kathryn Hanson

2 months ago

I cant say enough positive things about Chris and his team at Tridac. I recently purchased a new house and my first thought was to connect with Chris and organize my mortgage. I have worked with Chris before and I knew he would make the process as easy and efficient as possible.

Sandra is also wonderful, professional, and very responsive. The team ensured that all of my questions were answered and there was nothing left to the last minute.

They are an amazing team and I highly recommend them for anyone looking for stellar service!

Kerry mcInerney

Kerry mcInerney

4 months ago

Chris has helped us with three mortgages, and has always been thorough and knowledgeable. He's always made himself available to answer questions and give honest insight about options, alternatives, and industry trends. We always feel like we have the tools to make the right decisions, and Chris supports us to do what is right for us. Will definitely use Tridac again in future.

Adam Hanna

Adam Hanna

4 months ago

Chris is highly professional, personable, and provides sound lending solutions.
I would highly recommend, especially if you are self employed or need a somewhat more creative approach!

Michael Wilson

Michael Wilson

5 months ago

Whether you are looking for expert mortgage advice or have general questions about our service, we are here to help.

Get in touch with us today to schedule a mortgage review, discuss your renewal, or find answers for any of your mortgage-related questions!

Customer Service Numbers:
CMHC: 1-800-668-2642
Genworth: 1-800-511-8888
Canada Guaranty: 1-866-414-9109

ATB: 1-800-332-8383
B2B: 1-800-263-8349
BMO: 1-877-895-3278
Bridgewater: 1-866-243-4301
CIBC: 1-800-465-2422
CMLS: 1-888-995-2657
Optimum: 1-866-441-3775
Equitable: 1-888-334-3313
Connect First: 403-736-4000
Chinook Financial: 403-934-3358
First Calgary Financial: 403-736-4000
First National: 1-888-488-0794
Haventree: 1-855-272-0051
Home Trust: 1-855-270-3630
HSBC: 1-888-310-4722
ICICI: 1-888-424-2422
Manulife: 1-877-765-2265
MCAP: 1-800-265-2624
Merix: 1-877-637-4911
Marathon: 1-855-503-6060
RBC: 1-866-809-5800
RFA: 1-877-416-7873
RMG: 1-866-809-5800
Scotiabank: 1-800-472-6842
Servus: 1-877-378-8728
Street Capital: 1-866-683-8090
TD: 1-866-222-3456