Shopping for a mortgage to buy a home or renew your current loan? Thanks to our partnership with Nesto, one of Canada’s leading online mortgage brokers, ClicAssure helps you quickly access a competitive mortgage offer tailored to your financial needs.
With just a few clicks, gain access to one of the most attractive mortgage solutions on the Canadian market—often featuring the best mortgage rates available. There are no fees, no obligations, and the process is 100% online. Whether you’re a first-time homebuyer, refinancing, or renewing your mortgage, our mortgage partner provides a transparent, fast, and efficient experience from start to finish.
Start your application now and see how we can help you secure the best mortgage rates in Canada.
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If I accept the insurance offer from one of ClicAssure's business partners, I also authorize the latter to inform ClicAssure in order to update my file.
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Comparing mortgage rates from multiple lenders is essential—because even a small difference in rates can save you thousands of dollars over the life of your loan. A solid mortgage rate comparison helps you make an informed decision and optimize your budget.
Our partner Nesto aims to offer some of the lowest fixed and variable mortgage rates in Canada by operating differently from traditional banks and some brokers. Here’s how they do it:
In short, Nesto’s business model reduces conflicts of interest, maximizes lender options, and streamlines the process to offer highly competitive mortgage rates to Canadians.
A fixed rate stays the same for the entire term of your mortgage. It’s ideal if you want predictable monthly payments.
A variable rate can change based on the Bank of Canada's prime rate. It typically starts lower than a fixed rate but comes with more risk due to rate fluctuations.
You can use online mortgage rate calculators to estimate your monthly payments based on rate, term, and mortgage amount.
In addition to interest, you’ll need to account for notary fees, setup fees, mortgage default insurance (if your down payment is under 20%), and potential penalties for breaking your term early.
Yes, if you have a strong credit history, lenders may be open to negotiation. With Nesto, this step is handled for you automatically.
You can start shopping around for better mortgage rates 4 to 6 months before your current term ends. This gives you time to secure a better offer.
Yes. Canadian lenders require that you prove you can handle your payments even if interest rates rise. The stress test evaluates your ability to repay at a higher rate than the one offered.
Not always. Advertised rates are generally the lowest available at a given time, but your eligibility may vary. Nesto clearly tells you which rates you qualify for based on your profile.
