We believe in helping people make smarter decisions with their money.

Our Mission

LowestRates.ca is a Fintech company founded in 2012 and based in Toronto, Ont. We are a free and independent service that helps people save time and money by allowing them to compare insurance, credit cards, mortgages, and loans offered by North America’s leading financial institutions.

“Taking 5 minutes to compare can save Canadians hundreds if not thousands.”

Justin Thouin - Co-Founder & CEO

Our People

Justin Thouin

Co-Founder and CEO

Justin Thouin

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Justin Thouin is the Co-Founder and CEO of LowestRates.ca. Justin started the company in 2012 following a successful career as a Senior Executive with two prominent entertainment and technology organizations. He also created a thriving Executive Consulting practice prior to founding the company. Justin holds an Honours Degree in Commerce from Queen's University.  

Justin is passionate about sports of all kinds, playing tennis competitively and coaching his two daughters in soccer.  He also enjoys investing in early stage ventures and mentoring aspiring entrepreneurs.  Justin has been an EY Entrepreneur of the Year Award finalist and is frequently featured in the media.

Sean Widdess

Vice President, Strategic Partnerships

Sean Widdess

Sean Widdess is the Vice President of Strategic Partnerships at LowestRates.ca. He's responsible for securing and maintaining partnerships with insurance brokers, direct writers, mortgage brokers, credit card companies, lenders, banks, and other financial brands. Before joining LowestRates.ca, Sean spent 9 years as VP and National Sales Manager at VERICO Financial Group, a leading Canadian national mortgage brokerage. When Sean’s not working, he can be found spending time with his wife and kids at their many sporting events.

Gary Han

Director of Development

Gary Han

Gary is our Director of Development and acts as the bridge between the business team and the development team. He ensures the use of the highest software development standards and processes at LowestRates.ca. He’s also a well-rounded programmer himself. In his downtime, Gary likes to do various activities with his family and friends.

Denise Gaeta

Head of Property & Casualty Insurance

Denise Gaeta

Denise is the former National President of iv3, with three years under her belt at the company and 17 years of experience in the insurance and inspection industry. Denise is certified in RIBO and CRM and brings her natural desire to protect and help to work with her. She has led national sales teams for more than 10 years. She has been nominated the past three years for IBC’s "Vendor of the Year" award by customers. Denise has an extremely diverse skill set, having worked on the broker side of the industry, as well as company/underwriting, loss control and risk management and been a head hunter/recruiter for insurance.

Daniela Herrera

Director of Marketing

Daniela Herrera

Daniela Herrera is the Director of Marketing for LowestRates.ca. She has a passion for marketing, technology and travel. Prior to joining the team, she spent time working in marketing in the UK, Peru and Canada. Her passion for learning has gotten her various certifications and recently an MBA from Queen's University, where she acted as the president for QMARC. Random fact: Daniela also is a certified Nutritional and Health Coach.

Jerom Yu

Controller

Jerom Yu

Jerom Yu, CPA, MBA is the Controller for LowestRates.ca. He oversees all financial and accounting processes of the company. Since graduating from the MBA Program at University of New Brunswick, Jerom has spent over ten years working in financial and accounting areas with a few different companies and obtained his CPA designation during those years. He is very passionate about the technology industry. When he is not working, Jerom likes to spend time with his family doing all kinds of fun things together.

Justin Leung

Product Manager

Justin Leung

Justin Leung is a Product Manager at LowestRates.ca and a graduate of the Richard Ivey School of Business at Western University. Prior to LowestRates.ca, Justin interned at an insurance quote comparison website and completed a semester abroad in Belgium.

In his free time, Justin keeps up with the Toronto Raptors.

John Shmuel

Managing Editor and Senior Writer

John Shmuel

John Shmuel is the Managing Editor and Senior Writer for LowestRates.ca. Before joining the team, he spent seven years covering investing and economics for the National Post. His reporting has taken him around the world — from a lobster fishing boat on the Bay of Fundy to a robot fitness class in Tokyo. John is a graduate of Ryerson University and a board member of the Society of American Business Editors and Writers. Reach him at john@lowestrates.ca.

Aidan Potvin-O'Connell

Senior Customer Experience Manager

Aidan Potvin-O'Connell

Aidan joined LowestRates.ca as our Senior Customer Experience Manager after spending nine years in the Financial Services sector. He has a passion for delivering a world-class customer experience to every consumer and will stop at nothing to do so. He’s also a classically trained chef and likes exploring the city with his adorable Chocolate Lab, Katie (who he secretly considers the LowestRates.ca office dog). Reach out on LinkedIn.

Alexander O'Gay

Senior Software Developer

Alexander O'Gay

Alexander is a senior web developer at LowestRates.ca with over ten years of experience in the field. He keeps the website working from behind the scenes and adds new features from time to time. Web development is not only his job, but also his hobby. In his spare time, aside from web development, he also likes to play video games and draw cartoon characters.

Alisher Valiev

Senior Quality Assurance Analyst

Alisher Valiev

Alisher worked in the QA field for 10 years before joining the LowestRates.ca team in 2016. As a certified quality assurance analyst, he makes sure that the software created by our development team is free of defects and helps keep our site running smoothly. Special skills include drawing, painting, speaking three different languages, and understanding six.

Jessica Vomiero

Associate Editor

Jessica Vomiero

Jessica is the Associate Editor for LowestRates.ca. Before joining the team, Jessica worked as a National Online Journalist with Globalnews.ca and previously spearheaded the launch of the Business Section at one of Canada's largest technology websites, MobileSyrup. Jessica's career started at the age of 15, when she talked the editors of a local paper into giving her a monthly column. Six years later, Jessica graduated from the Ryerson School of Journalism, where she specialized in multimedia journalism and developed a passion for business and technology reporting. Reach her at jessicav@lowestrates.ca. 

Viktor Velchev

Software Developer

Viktor Velchev

Viktor joined LowestRates.ca as a software developer. He has a passion for coding and challenging tasks. In his spare time, aside from coding, he also likes to play MMORPGs, watch sci-fi movies and do sports. He's interested in investing, stocks and healthy living.

Adnan Choudhry

Business Analyst

Adnan Choudhry

Adnan is a Business Analyst at LowestRates.ca and a graduate of Brock University. He develops technical solutions to business problems and is involved in identifying problems, needs, and opportunities for improvement at all levels of the organization. 

Miriam Sousa

Accounts Payable Specialist & HR Administrator

Miriam Sousa

Miriam is the Accounts Payable Specialist & HR Administrator with an Honours degree from York University.

Nicole Ballantyne-Choo

Junior Customer Experience Specialist & Office Manager

Nicole Ballantyne-Choo

Nicole is the Junior Customer Experience Specialist & Office Manager at LowestRates.ca with a degree from Western University. Reach her at nicole@lowestrates.ca. 

Lisa Coxon

Personal Finance Writer

Lisa Coxon

Lisa is a Personal Finance Writer for LowestRates.ca. Her work has appeared in Reader’s Digest, Toronto Life, Canadian Living and TVO. As a child, she diligently hoarded the $50 bills that fell out of her Christmas cards. Adult Lisa is working hard to resurrect those stockpiling tendencies. Reach her at lisa@lowestrates.ca. 

Hanna Praleskouskaya

Quality Assurance Analyst

Hanna Praleskouskaya

Hanna is the Quality Assurance Analyst for LowestRates.ca. Before joining the company she worked as a hardware tester. She enjoys travelling and spending time with family and friends.

Alexandra Bosanac

Core Content Editor

Alexandra Bosanac

Alexandra Bosanac is the Core Content Editor for LowestRates.ca. Her reporting has appeared in Canadian Business, the Toronto Star, the National Post, and the CBC. Reach her at alexandra@lowestrates.ca. 

Hannah Schwab

Accounts Receivable Specialist

Hannah Schwab

Hannah Schwab is the Accounts Receivable Specialist for LowestRates.ca. Her role involves preparing invoices, processing receivables and verifying payments from our partners. Prior to LowestRates.ca, she attended the University of Vermont where she graduated with a Finance & Marketing degree. In her spare time, you may find Hannah networking, exploring the city, travelling the world, or spending quality time with family and friends. Feel free to reach out to Hannah at hannah@lowestrates.ca

Tuni Mosmann

Front End Developer

Tuni Mosmann

Tuni is a Front End Developer for LowestRates.ca. Before joining LowestRates she worked as a graphic designer and as a fashion designer. Tuni is really passionate about coding, loves volunteering for organizations that teach code, and enjoys attending tech events. She is a food adventurer, a theatre nerd, a terrible gamer, and proudly geek.

Avinash Mohanakrishnan

Business Insights Analyst

Avinash Mohanakrishnan

Avinash works as a Business Insights Analyst at LowestRates.ca. He helps uncover insights as it relates to customer purchasing trends and product pricing. He also ensures the database and business reporting is in a good place. In his free time, he enjoys playing soccer and listening to podcasts.

Margarita Velcheva

QA Analyst

Margarita Velcheva

Margarita worked for 10 years as an equity trader on the New York Stock Exchange prior to joining LowestRates.ca as a QA Analyst. She has a Master’s degree in economics, but non the less is very passionate about IT and technology. As a manager and a Chief Finance Officer, Margarita has traveled the world for business and pleasure. She speaks four languages and can play the piano. She has competed as a professional volleyball player. Margarita enjoys watching Nat Geo WILD.

Preethika Chittajallu

Business Analyst

Preethika Chittajallu

Preethika is a Business Analyst at LowestRates.ca. Her role involves analyzing and communicating requirements to help implement business solutions. When not working, Preethika spends her time doodling and exploring the city.

Meet Our Writers

We work with the top financial services providers in Canada