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Who we help:
First-time buyers
Homeowners
Landlords/investors
Non-salaried income
New to Canada
What we help with:
Finding a mortgage
Save with our mortgage search engine
Mortgage rate forecast
See where rates are projected to go next
Getting pre-approved
See what you can afford to buy
Renewing a mortgage
Compare rates or negotiate with your lender
Selling your home
Explore options for your existing mortgage
Refinancing
Access funds or lower your mortgage payment
HELOC/second mortgage
Get financing and keep your current mortgage
Renovation financing
Pay for upgrades using the value of your home
Debt consolidation
Save on interest while paying off debt
Tools
Pathfinder
View personalized mortgage offers
First time home buyer calculator
See if the incentive program is right for you
Mortgage calculator
Estimate the cost of your monthly payment
Mortgage renewal calculator
Can you afford to renew your mortgage
Mortgage affordability calculator
See your maximum purchase price
Land transfer tax calculator
View provincial and municipal tax costs
Closing cost calculator
View total closing costs on a purchase
Rent vs by calculator
See which options are financially optional
Home renovation calculator
See how much home equity you can borrow
Mortgage penalty calculator
Know the costs to break your mortgage
Learn
2024 Guide to buying a home
What to expect from start to finish
Breaking your mortgage
The costs and what you need to know
Canadian mortgage glossary
The most common terms, simplified
Customer stories
Read about homeowners we’ve helped
Blog
All the tips and latest mortgage news
FAQ
Learn more about Perch
About us
Meet the team and our supporters
Media
PR inquiries and where we’ve been featured
Bank of Canada interest rate schedule
When is the next BoC rate announcement?
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