Today’s best fixed and variable rates.

8Twelve works with over 65 lenders to get the best rates, even for unique situations.

1-Year Fixed

Today's Rate

6.45%

3-Year Fixed Rate

High Ratio Mortgage

4.95%

5-Year Fixed Rate

High Ratio Mortgage

4.79%

5-Year VRM Rate

High Ratio Mortgage

6.10%

3 easy steps

Get your personalized mortgage in Canada

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Step 1

Apply

Fill in the short form online, or call us at 1.877.812.8123 to apply over the phone. The consultation is free, and there's no credit check.

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Step 2

Review your options

Our industry-leading, AI-powered technology searches 65+ lenders and over 7,000 mortgage solutions to find the ideal loan options for you.

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Step 3

Sit back and relax

Time to solidify your mortgage! Our team compiles all the necessary details and arranges for a quick and seamless signing online when everything is ready.

Where do I fit in?

We all have different needs. With so many mortgage solutions to choose from, 8Twelve walks you through the process and helps you choose the product that will benefit you the most.

fit in

I am buying a new home

I need a mortgage for my new home purchase happening soon.

fit in

I want to consolidate my debt

I have credit card debt and a few personal loans. I think it’s
time for consolidation so I can save money and make one easy
payment each month.

fit in

I am self-employed

The banks aren’t always able to service me. I’d like to work with
a mortgage broker who has attractive solutions for self-employed
businesspeople.

Ask us anything, we're here to help

4.9
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700+

We help Canadians secure their best mortgage

We've helped thousands of people across Canada save on their mortgages and improve their financial positions.

Google Reviews
8Twelve Mortgage
Tony & Ledi Alushi - Your Home Sold Guaranteed*

I recently had the pleasure of working with Parker on a particularly challenging mortgage case, and I couldn't be more satisfied with the experience. From start to finish, Parker demonstrated exceptional dedication and professionalism. Despite the complexities involved, he managed to navigate through all the hurdles and successfully secure a favorable outcome. One of Parker's standout qualities is his responsiveness. He was always available to address any questions or concerns, keeping all parties informed and up to date throughout the entire process. His communication skills are top-notch, ensuring that everyone involved was always on the same page. Parker's work ethic is truly commendable. He put in the hard work needed to get the job done, and his efforts did not go unnoticed. His perseverance and commitment to his clients are evident in the results he delivers. I highly recommend Parker to anyone in need of a mortgage agent. His expertise, responsiveness, and dedication make him a top choice for navigating even the most difficult cases.

8Twelve Mortgage
sarah heydar

I recently had the pleasure of working with Stefan, and I can't recommend him highly enough. From the beginning, Stefan exhibited extraordinary dedication and efficiency in handling my home mortgage. He is an excellent listener, taking the time to understand my specific needs and concerns, which made the entire process incredibly smooth. Stefan's ability to process information quickly and accurately was truly impressive. He provided clear and timely updates, ensuring that I was always informed and confident in the steps we were taking. His proactive approach and keen attention to detail saved me a significant amount of time and stress. Thanks to Stefan’s expertise and commitment, I secured a mortgage that perfectly fits my financial situation. If you are looking for a mortgage agent who combines outstanding service with remarkable speed and attentiveness, Stefan is the ideal choice. He made what can often be a daunting process straightforward and even enjoyable. Highly recommended!

8Twelve Mortgage
Maha assaf

Joanne Joanne Joanne ! What a headache saver :) we were stressed out first time home buyers and Joanne was sympathetic, patient and informative. She provided us with a level of comfort and confidence that was totally necessary. Overall, would definitely recommend. Pic of the cute little house she helped us buy.