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What our users say:

Based on 505 reviews
September 22
Was pleasantly surprised by the prompt…
Was pleasantly surprised by the prompt response to my enquiry online. Hope it's ...
Mishu K
August 5
Received a call before I was even…
Received a call before I was even finished submitting information. Super fast se...
Robert Chiasson
August 4
Great service!
Great service!
Linda RitaOlivier
August 3
They respond very quickly
They respond very quickly. They are very understandable. The representative I sp...
August 2
Quick efficient and very helpful 👌
Quick efficient and very helpful 👌
Khalilulla Razzaque
August 2
Web page was quick and easy to use
July 30
Good experience was pretty quick
Good experience was pretty quick
Grant W.Murray
July 29
The agent was friendly
The agent was friendly, helpful and polite. All in all a good experience.
July 29
Extremely simple
Extremely simple, and fast process.
July 26
excellent, professional service
July 23
Very kind and helpful
Very kind and helpful
April Shannon
July 22
Easy to find easy to use website which…
Easy to find easy to use website which provided me with options.
Randall McLellan
July 22
Excellent service
Excellent service
Sven Zorz
July 21
They were great
They were great
July 21
Excellent pricing
Excellent pricing
pankaj joshi
June 27
I asked for the best mortgage rate & I got my answer
I asked for the best mortgage rate to the application detail I sent & I got a s...
Issa Horani
March 20
Real options to save
Lowest Rates. CA has been extremely helpful I've gone through my ups and downs b...
Amir Isakovic
March 15
Very good.
Very good, and the Rates you have stated is great. Please wait till I see the ba...
Ian Stevens
March 10
Good customer service
Good customer service
Lina Bella
March 3
Great team and amazing communication…
Great team and amazing communication skills. Very straight forward to get an est...
Andre F MPereira
January 8
fast and easy
fast and easy
moira fortin
November 4
It was a good experience
It was a good experience
October 26
Easy to use
Easy to use, easy to find the result that you're looking for! 5 star coverage!
October 15
Great service and very helpful :) would…
Great service and very helpful :) would definitely recommend
Emily Peacock
October 14
It's great
It's great, found the best rates.
Chirath Ranaweera
October 14
Fast and pleasant experience
Fast and pleasant experience. Saved a lot of money too!
October 14
Fast response
Fast response
October 13
From the online process to the first…
From the online process to the first contact speaking to a rep it’s was a good...
Rose Daniel
October 13
A very pleasant contact
A very pleasant contact, without rep talking over my head., It was very infor...
Margaret Markson

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6-year fixed-rate mortgages in Canada: what you need to know.

If you’re comparing deals on six-year fixed-rate mortgages today, it’s probably because you want to lock in your interest rate over the long-term as a hedge against future rate increases.

However, most Canadians do not choose 6-year fixed-rate mortgages and the ones who do have very specific needs. Five years is the most popular term length as it provides security as well as flexibility — and the rates are cheaper than the ones on 6-year mortgages.

Finding the lowest interest rate on a mortgage will save you thousands of dollars in both the short and long term. allows Canadians to compare mortgages from many different lenders so you can immediately see which one is offering you the best deal.

We currently offer the ability to compare rates on 3 and 5-year mortgages, as they are the most popular terms with Canadian homebuyers.

However, we can still help you find the best 6-year fixed-rate mortgage today. We recommend filling out a quote for a 5-year fixed-rate mortgage. Interest rates on 5-year mortgages are more likely to be in the same ballpark as the rates on 6-year terms — in all likelihood, 5-year mortgages will probably be even cheaper.

Next, we will connect you to a mortgage broker. If you still believe that a 6-year mortgage is the right term length, your mortgage broker should be able to show you the current 6-year fixed mortgage rates from various Canadian mortgage brokers.

Not ready to start shopping for a mortgage just yet? Keep reading to learn more about how to qualify for the lowest rates on 6-year fixed mortgages.

Your questions about 6-year fixed-rate mortgages, answered.

When should you consider a 6-year fixed-rate loan?

When it comes to mortgage terms, six years is a very specific amount of time — you might want to consider a 5-year fixed rate, which is the most commonly chosen mortgage term in Canada. However, you might choose a 6-year fixed rate mortgage if you plan to move or pay off your mortgage in exactly six years. Some lenders in Canada do offer 6-year fixed-rate mortgages, so you can compare how those rates stack up against 5- or 7-year fixed rates and see what works best for you.

Are 6-year fixed-rate mortgages better than other mortgage terms?

Not necessarily. Six-year fixed rate mortgages tend to live in the shadow of their more popular counterpart, the 5-year fixed rate — some lenders don’t offer 6-year fixed mortgage rates at all. Because shorter mortgage terms generally have lower rates, you’ll likely get a better rate if you go with a 5-year fixed rate. However, what’s “better” depends on how many years you have left to pay off your mortgage and how long you want to stay in your home. 

What is a good 6-year fixed mortgage rate?

Besides current interest rate trends and what Canadian lenders are offering in the market, a good mortgage rate depends on what you qualify for based on your income, credit score, debt ratios and down payment. Mortgage rates are always changing and can be very individualized, so the best way to see what you qualify for is to compare quotes from banks and brokers across Canada using 

How is the 6-year fixed mortgage rate set?

Fixed mortgage rates are influenced by the Government of Canada’s bond market. A government bond is a type of investment where the investor lends the government money for a set amount of time. During that time, the investor receives regular interest payments. When that time is up, the full value is repaid to the investor. Because bonds are the safest type of investment, banks and other lenders use bond yields to cover the cost of mortgages, which are much riskier from a lender’s standpoint. When bond yields go up, mortgage rates will also rise.

How much can you save comparing 6-year fixed rates in Canada with

So far, has helped our users save $1 billion in interest and fees. When it comes to mortgage rates, even a decimal point or two can save you thousands of dollars in interest payments over the life of your mortgage. Most lenders don’t offer their best rates up front, but aggregates the best rates from banks and brokers across Canada and lets them compete for your business. Mortgage rates vary in different housing markets across Canada, so it’s best to get a personalized quote.

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