One application. 6 lenders from our 50+ network. Funded in 24 to 48 hours.
Apply Now One application routed to where you qualify.
Every Apply button starts the same single application. Your chosen lender is prioritized first.
| Applies | Yes |
|---|---|
| Structure | Tiered: 0.5% to first $55,000; 1.0% to $250,000; 1.5% to $400,000; 2.0% to $2,000,000; 2.5% above |
| Fthb Rebate | Up to $4,000 provincial |
| Note | Toronto adds a municipal LTT at matching rates, so Toronto buyers pay roughly double. Toronto first-time buyers get a further rebate up to $4,475. Toronto introduced higher luxury brackets above $3M in April 2026. |
| Confidence | VERIFIED-MULTI |
Beyond the rate, expect appraisal, legal, and registration costs on a new charge. Ontario also has the country's heaviest land transfer tax if you are buying rather than refinancing, doubled inside the City of Toronto. Refinancing an existing property avoids land transfer tax entirely, which is often the deciding factor between refinancing and moving.
Most lenders will advance to a combined loan-to-value of 80% on a primary residence, with some second-mortgage lenders going higher at higher rates. On a $900,000 home with a $500,000 mortgage, 80% LTV means roughly $220,000 of accessible equity before costs.
