Our Rates

Compare our rates to the banks and see why the Smart Equity Mortgage Solutions is the wisest choice
Smart Equity Mortgage Solutions Inc. will fight for the best rates from every lender on your behalf…
The sample Rate Chart below is for example and the rates are NOT GUARANTEED…

Current Variable Rate

Current Prime Rate



  Terms Bank Rates Our Rates
  6 Months 3.94% 3.79%
  1 Year 3.79% 3.39%
  2 Year 4.14% 3.69%
  3 Year 4.49% 4.14%
  4 Year 5.04% 4.19%
  5 Year 5.39% 4.44%
  7 Year 5.55% 4.79%
  10 Year 5.80% 4.95%

Please Note: Advertised rates are not guaranteed. The rate provided by any financial institution listed, or any approval or decline you receive, will be based solely on your personal situation. Rates may vary from Province to Province and are subject to change without notice. Posted rates may be high ratio and/or quick close which can differ from conventional rates. The advertised rates are provided as guidance only and the accuracy of these rates is not guaranteed. You are encouraged to speak with a Smart Equity Mortgage Solutions Specialist for the most accurate information and to determine your eligibility. *O.A.C. & E.O.

Lenders & associations

We have access to hundreds of reputable lending institutions to provide you with more options – and the best mortgage products to suit your needs.

To know more details, Please reach out to us