Question 1

What is the best mortgage rate in Ontario in 2026?

Accepted Answer

The best mortgage rates in Ontario in 2026 depend on your credit profile, down payment, and loan type. lendsimpl compares rates from 50+ lenders to find the lowest available rate for your situation. Contact us for a free no-obligation quote.

Question 2

How do I get a mortgage pre-approval in Toronto?

Accepted Answer

You can get a mortgage pre-approval in Toronto through lendsimpl in as little as a few hours. We review your income, credit, and down payment to determine how much you qualify for — with no hard credit pull to start.

Question 3

Can I get a mortgage with bad credit in Ontario?

Accepted Answer

Yes. lendsimpl works with B-lenders and private lenders across Ontario who specialize in approving borrowers with bruised credit, recent bankruptcies, or consumer proposals. Approval is often equity-based.

Question 4

Does lendsimpl charge mortgage broker fees?

Accepted Answer

For most residential mortgage transactions (purchases, renewals, and refinances), lendsimpl's brokerage service is free to the borrower. The lender pays the brokerage fee. Fees may apply for private or alternative mortgage placements.

Your mortgage made simple

Start My Free Mortgage Review