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It's not every day that you need to find the best mortgage deals in Canada. That's where Comparewise comes in handy, we have a wide range of lender partners who we work with regularly to get Canadians the lowest mortgage rates available. To find the best mortgage for you, simply apply online for free and you'll be matched with a great deal.

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FAQs about

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Should I apply for a mortgage?

If you plan to buy a house and cannot afford to pay for it in cash, you should consider applying for a mortgage.

Obtaining a mortgage to buy a house means that you will not be liable for the total cost of the property upfront. You will be able to pay for the house in small amounts over a set period, typically 20 years, with interest.

It is worth noting that when you get a mortgage, the property serves as collateral for the loan. Therefore, if you default on your mortgage, your lender has the right to seize the collateralized property.

How do I apply for a mortgage?

First, you should determine the type of house you want to purchase, then find a lender through the Comparewise online portal that best suits your needs.

The lender will ask you to complete specific paperwork and will request documents from you for submission with your application.

Once all the necessary information has been submitted, you will need to wait for the lender’s approval.

What are the minimum requirements to qualify for a mortgage?

While the minimum requirements to qualify for a mortgage vary from lender to lender, the common conditions include proof of a steady income and a credit score of 600 and above.

There are exceptions to these requirements, however, if you are self-employed or have a credit score below 600. You should, therefore, ask lenders about their requirements and obtain more information on how to increase your chances of qualifying for a mortgage.

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