Purchase
Clear options for first-time buyers, next homes and second properties.
Explore this optionMortgage guidance with Ashabuddin Khan
Personal mortgage guidance
A clearer path to the right mortgage.
Explore your options with Ashab and build a plan around your next move.
01BuyingKnow your budget
02RenewingCompare before signing
03RefinancingPut equity to work
04InvestingBuild the right structure
Start here Make your next move clearer
Explore. Compare. Prepare.
Start with your questions and leave with a practical next step.
Find my mortgage path
Three questions. Relevant next steps.
Get startedExplore the journey
Know what happens from planning to closing.
Get startedCompare before & after
See how your payment and interest change.
Get startedBuild my checklist
Prepare documents for your situation.
Get startedRequest an appointment
Choose a preferred time to speak with Ashab.
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Room for your next chapter.A home. A plan. A fresh start.
Big life moments deserve personal guidance.
From your first set of keys to your next move, Ashab helps you understand your mortgage options and take the next step with confidence.
Let’s get started Prefer a conversation? Talk to AshabMortgage solutions
Advice for where you are now and what comes next.
Every application is different. Ashab looks at your full picture, compares lender options and explains the details in plain language.
Renewal & transfer
Review your lender’s offer before you sign and compare what else is available.
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Refinance & HELOC
Use home equity strategically for debt, renovations or new opportunities.
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Investment & commercial
Financing guidance for rental properties, portfolios and business needs.
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Renovation & construction
Structure financing around improvements, builds and purchase-plus-improvements.
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Complex applications
Options for self-employed income, credit challenges and non-traditional files.
Explore this optionOntario mortgage rates
Compare today’s popular terms
Mortgage rate boardUpdated on Nov 2, 2026
1-year Fixed
4.49%Starting fromVerified Nov 2, 2026Compare my options 2-year Fixed
4.49%Starting fromVerified Nov 2, 2026Compare my options 3-year FixedPopular
4.59%Starting fromVerified Nov 2, 2026Compare my options 4-year Fixed
4.79%Starting fromVerified Nov 2, 2026Compare my options 5-year Fixed
4.49%Starting fromVerified Nov 2, 2026Compare my options 5-year VariablePopular
3.74%Starting from · subject to changeVerified Nov 2, 2026Compare my options 5-year Open
4.45%Starting fromVerified Nov 2, 2026Compare my options Indicative market rates. Contact Ashab for your available rate. Subject to eligibility and lender approval.
The major bank comparison
Five banks. A clearer comparison.
Explore published mortgage rates before your next conversation. Posted rates are the banks’ standard rates; special offers have additional eligibility conditions.
RBC
- 3-year fixedClosed mortgage
- 6.25%
- 5-year fixedClosed mortgage
- 6.19%
- 5-year variableClosed mortgage
- 4.70%
Verified Nov 2, 2026
Rate conditions
- 3-year fixed: Closed mortgage; posted rate is the same for amortizations up to and over 25 years.
- 5-year fixed: Closed mortgage; posted rate is the same for amortizations up to and over 25 years.
- 5-year variable: Closed; RBC prime + 0.00%. Variable rate may change.
Interest rates, not APR. Subject to qualification and lender approval; rates may change without notice.
TD
- 3-year fixedClosed mortgage
- 6.15%
- 5-year fixedClosed mortgage
- 6.14%
- 5-year variableClosed mortgage
- 4.85%
Verified Nov 2, 2026
Rate conditions
- 3-year fixed: Closed; new first-priority mortgage on an already-built, owner-occupied property; amortization 30 years or less; subject to TD credit approval.
- 5-year fixed: Closed; new first-priority mortgage on an already-built, owner-occupied property; amortization 30 years or less; subject to TD credit approval.
- 5-year variable: Closed; TD Mortgage Prime Rate, which differs from TD prime.
Interest rates, not APR. Subject to qualification and lender approval; rates may change without notice.
BMO
- 3-year fixedClosed mortgage
- 6.05%
- 5-year fixedClosed mortgage
- 6.09%
- 5-year variableClosed mortgage
- 4.70%
Verified Nov 2, 2026
Rate conditions
- 3-year fixed: Regular fixed-rate closed mortgage; same posted rate in both amortization columns (under and over 25 years).
- 5-year fixed: Regular fixed-rate closed mortgage, not Smart Fixed; same posted rate in both amortization columns (under and over 25 years).
- 5-year variable: Closed; BMO prime + 0.00%; same posted rate in both amortization columns (under and over 25 years). Rate changes with BMO prime.
Interest rates, not APR. Subject to qualification and lender approval; rates may change without notice.
CIBC
- 3-year fixedClosed mortgage
- 6.14%
- 5-year fixedClosed mortgage
- 6.49%
- 5-year variableClosed mortgage
- 4.70%
Verified Nov 2, 2026
Rate conditions
- 3-year fixed: CIBC Fixed-Rate Closed Mortgage; amortization 25 years or less; subject to CIBC lending criteria.
- 5-year fixed: CIBC Fixed-Rate Closed Mortgage; amortization 25 years or less; subject to CIBC lending criteria.
- 5-year variable: CIBC Variable Flex Mortgage; amortization 25 years or less. Variable rate changes with CIBC prime (4.70% on the verification date); subject to CIBC lending criteria.
Interest rates, not APR. Subject to qualification and lender approval; rates may change without notice.
Scotiabank
- 3-year fixedClosed mortgage
- 6.05%
- 5-year fixedClosed mortgage
- 6.19%
- 5-year variableClosed mortgage
- 5.15%
Verified Nov 2, 2026
Rate conditions
- 3-year fixed: Closed term mortgage.
- 5-year fixed: Closed term mortgage.
- 5-year variable: Scotia Flex Value; closed 5-year term; variable rate changes automatically with Scotiabank prime. Subject to credit approval and residential mortgage limits.
Interest rates, not APR. Subject to qualification and lender approval; rates may change without notice.
Independent comparison using each bank’s public rate page. These are bank rates, not offers from Ashab. Product features, amortization and eligibility differ. A missing figure means it has not been verified for that term and category.
Find out what fits your mortgageA wider lending network
Get beyond one bank.
Ashab can explore suitable options across multiple lender categories based on your application.
Major banksCredit unionsMonoline lendersAlternative lendersPrivate lendingCommercial financing
Plan with confidence
Mortgage calculators built for real decisions.
Use these estimates as a starting point, then ask Ashab to review the full lending picture.
Estimated monthly payment$3,539
Mortgage including premium$640,000
Insurance premium$0
Payments per year12
Annual scheduled payments$42,464
Review with Ashab Principal and interest only; property taxes and insurance are extra. Fixed-rate illustration with semi-annual compounding. Accelerated biweekly equals half the monthly payment every two weeks. Insurance estimates assume an eligible owner-occupied purchase, traditional down payment and amortization of 25 years or less when insured. Other programs may differ. Estimates only; lender and closing figures may differ.
Illustrations only—not a lending commitment, qualification decision, legal or financial advice. Insurance, tax and qualification rules can vary.
Explore all calculators, planning tools & guidesWhy work with Ashab
One conversation. More lender options. A plan you can understand.
Instead of fitting your goals into one bank’s product list, Ashab helps you explore the wider market and understand why one option may serve you better than another.
- Independent comparisonRates and features considered together—not rate alone.
- Access beyond one bankOptions across banks and other mortgage lenders.
- Personal guidanceA responsive process from first conversation through closing.
- We care and we are committedYour goals matter. We listen carefully and support you through every step of your mortgage journey.
Made for your next move
Your mortgage journey, one simple step at a time.
Tell us what you have in mind. Review your details, send them to Ashab, and take it from there together.
Start your application
Simple from the start
Three steps to your mortgage plan.
- 1
Share your goals
Tell Ashab what you’re buying, changing or planning.
- 2
Compare options
Review the rate, payment, flexibility and total fit.
- 3
Move forward
Get guidance through documents, approval and closing.
Mortgage resources
Frequently Asked Questions
For a faster first conversation, have your income details, down payment, debts and property information nearby. Ashab will tell you what else your lender may require.
Ask your own questionThere is no charge or obligation for the initial consultation. Some alternative, private or commercial financing may involve fees; any applicable costs should be explained before you proceed.
Free consultation
Let’s make your next mortgage move clear.
Send a few details and Ashab will follow up to discuss your goals and possible next steps.