5-year variable:
5-year fixed:
5-year variable:
5-year fixed:
“Perch is the only place I'd recommend for anyone's mortgage needs. The platform makes the whole process a breeze to follow from start to end.”
“It was me and my husband’s first time buying and selling at the same time, and Perch was extremely helpful in navigating that process.”
“Highly recommend to anyone looking to get competitive rates and values transparency throughout their entire mortgage experience.”
“Perch is the only place I'd recommend for anyone's mortgage needs. The platform makes the whole process a breeze to follow from start to end.”
“It was me and my husband’s first time buying and selling at the same time, and Perch was extremely helpful in navigating that process.”
“Highly recommend to anyone looking to get competitive rates and values transparency throughout their entire mortgage experience.”
Getting a mortgage doesn’t have to be a painful process. Sign up, add your details, pick your mortgage and hit submit. Consult one of our mortgage advisors if you want to strategize, but only on your terms (no sales pitches here).
Streamlined and efficient, all online
Forget the hassle of submitting your documents to multiple mortgage lenders and waiting for a phone call. We’ve automated our mortgage process online, so it’s easy to get the answers you need with a lot less chasing.
Whether you’re a phone person, or prefer to chat online, our experienced mortgage advisors are available 7 days a week. We’ll even send reminders and alerts so you don’t miss a thing.
Let’s face it - no one likes shopping for a mortgage. This is the mortgage experience Canadians deserve.Read more 
It’s easy to find the best mortgage that saves you money. Try it yourself, and browse 30+ mortgage lenders all in one place. Perch users save an average of $3,000 in mortgage interest per year.
Are there any fees to use Perch?
It’s free to use our tools and calculators or to get a mortgage. Our goal is to help you navigate the mortgage marketplace, at no cost to you. It’s our job to know the in’s and out’s of every mortgage out there, and to understand which mortgage lenders can turn things around quickly.
We get paid by the mortgage lender once you choose your mortgage. Perch is available across all provinces and territories in Canada, including Ontario, British Columbia, Alberta and Quebec.Read more
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Picking the best mortgage can feel overwhelming. Other than finding a low mortgage rate, you’ll want to ask yourself questions, such as:
Your answers will impact the term length of your mortgage, whether you should go with a fixed or variable mortgage rate, and how much prepayment flexibility you really need. You can view your best mortgage offers, then consult one of our Perch mortgage advisors to strategize what makes sense in your situation.
As you can see, picking the right mortgage involves more than just finding the best rate. However, you may be surprised to learn that who the mortgage comes from doesn’t matter as much as you think. After all, the mortgage lender is the one loaning you money, and not the other way around!
Our mission is to help you buy your first property sooner so you can build wealth through real estate. Get pre-approved fast with Perch, and access the financial insights you need to make the right decision. Along with smart real estate tools to find and manage your mortgage, you’ll also have on-demand access to our experienced mortgage advisors at every step.
Perch makes the process of buying a property simpler and easier, and helps you save money on your mortgage. Once a homeowner, we enable you to build wealth by maximizing your home equity. In other words, we help your money make more money. Talk about a win-win.
Looking for more answers? See all FAQs →
