Who We Are

Based in Toronto, Canada, and founded in 2012, Lowest Rates Inc., through its websites LowestRates.ca and LowestRates.com, provides a free independent online service helping consumers compare personal financial products offered by North America’s leading financial institutions.

We help people save time and money by allowing them to compare mortgage, insurance, and credit card offers all in one place. We also provide consumers with the tools and unbiased information they need to find the right personal financial products for their unique needs and make better financial decisions.

Our Mission

Have you ever felt overwhelmed or confused when searching for a mortgage, insurance policy, or credit card? Don’t you wish there was a place you could go to quickly and accurately compare offers from Canada’s leading financial services providers?

LowestRates.ca is here to help: our mission is to remove the hassle of finding a mortgage, insurance policy or credit card by quickly providing you with the right financial product for your unique needs at the best available price. We’re here to save you time and money and ensure that you find the lowest rates – just like that!

A new online option for people who want to comparison shop for the lowest mortgage and credit card interest rates, and the lowest insurance costs

How It Works

Our independent online service enables you to research and compare financial products provided by Canada’s leading financial institutions. Using the service is free. We are paid by charging those third party providers a fee and/or commission for introducing you to their products.

Our Promise

  • We strive to help you save time and money by providing tools and information that will enable you to find the lowest rates available anywhere in Canada
  • We will make it simple and easy to compare and save
  • You can trust that our rate offers are genuine
  • We are independent and impartial
  • We let you control your personal data

Our Team

Hello there! Meet the LowestRates.ca team.

Justin Thouin
Justin Thouin
Co-Founder and CEO
Cliff Ritter
Cliff Ritter
Co-Founder
Sean Widdess
Sean Widdess
Director of Business Development
Mak Kattan
Mak Kattan
Head of Marketing
Gary Han
Gary Han
Director of Development
Justin Leung
Justin Leung
Product Manager
Aidan Potvin-O'Connell
Aidan Potvin-O'Connell
Senior Customer Experience Manager
John Shmuel
John Shmuel
Managing Editor and Senior Writer
Vin Heney
Vin Heney
Marketing Manager
Alexander O'Gay
Alexander O'Gay
Senior Web Developer
James Rodgers
James Rodgers
Senior Web Applications Developer
Alisher Valiev
Alisher Valiev
Senior Quality Assurance Analyst
Maureen Genore
Maureen Genore
Social Media Coordinator
Rebecca Lee
Rebecca Lee
Content Writer
Dominic Licorish
Dominic Licorish
Content Writer
Susan Li
Susan Li
Designer
Miriam Sousa
Miriam Sousa
Junior Customer Experience Specialist and Office Assistant

We’re really helping people save two of their most valuable assets: time and money

--Justin Thouin, Co-Founder and CEO, LowestRates Inc.
We work with the top financial services providers in Canada
American Express Aviva BMO Capital One Intact MBNA Scotiabank TD Travelers