Your wealth advisor for real estate
Grow your property investments on our award-winning platform.
Renewing or refinancing?
5-year variable:
Refinance: 6.35%
5-year fixed:
Refinance: 5.94%
Today’s best
mortgage rates
5-year variable
Refinance: 6.35%
5-year fixed
Refinance: 5.94%
Calculators and tools:
Join thousands of Canadians and plan your next mortgage move
“Perch helped me secure a great mortgage at a great rate. I threw them a curve ball when my situation changed before we closed on the house, but the brokers at Perch navigated this easily.”
“We used Perch to refinance our property. The online platform is way easier to use and navigate for someone with little to no knowledge on mortgages.”
“Outstanding knowledge, communication and customer service. This online platform made so much sense for me.”
"Perch helped me secure a great mortgage at a great rate. I threw them a curve ball when my situation changed before we closed on the house, but the brokers at Perch navigated this easily."
"We used Perch to refinance our property. The online platform is way easier to use and navigate for someone with little to no knowledge on mortgages."
Outstanding knowledge, communication and customer service. This online platform made so much sense for me.
How does Perch make money?
It’s free for Canadian buyers and homeowners to sign up. You can use Perch to track the estimated value of your property, find and compare the best mortgages, try any of our calculators, or to strategize with our mortgage advisors.
We get paid by the mortgage lender once you choose and finalize your mortgage. Keep in mind, we don’t accept payment in exchange for preferential lender treatment. This means we only recommend a mortgage if we think it’s the right fit based on your financial goals.
Perch is available across all provinces and territories in Canada, including Ontario, British Columbia, Alberta and Quebec.
Who is Perch for? We’ve worked with thousands of Canadians on their homeownership journey, including:
- First time home buyers
- Homeowners
- New immigrants
- Self-employed, freelancers and contractors
- Real estate investors
- Landlords
Is Perch a mortgage broker?
Yes. Perch is a fully licensed and regulated mortgage broker. Our license numbers are: Perch Mortgage Brokerage ON#13263, BCx301147, SK#509194, AB
What mortgage lenders does Perch work with? The mortgage lenders we work with include banks, credit unions, B lenders and private lenders. We only offer mortgages from regulated Canadian financial institutions.
Shop and compare mortgages from 30+ lenders, including:
- TD Bank
- Scotiabank
- First National
- Equitable Bank
- MCAP
Our lenders
Shop and compare the most mortgage options and save up to $3,000/year in mortgage interest. We only work with trusted A, B and private lenders.
Homeowners
HomeownersMoney, mortgages and real estate in everyday English. Refreshing, right?
Latest Mortgage Rate Outlook in Canada for...
Subscribe to receive Perch’s monthly Canada interest forecast newsletter You will receive an email after you submit this form to finalize your newsletter subscription. * indicates...
Perch
The Bank of Canada cuts interest rates on...
Save money on your mortgage. Learn about what your payment could be at renewal and how you can save by renewing your mortgage with Perch. Sign up for free The Bank of Canada announced on December...
Latest Mortgage Rate Outlook in Canada for...
Subscribe to receive Perch’s monthly Canada interest forecast newsletter (once a month only!) You will receive an email after you submit this form to finalize your newsletter subscription. *...
Perch
The Bank of Canada cuts interest rates on October...
Save money on your mortgage. Learn about what your payment could be at renewal and how you can save by renewing your mortgage with Perch. Sign up for free The Bank of Canada announced on October...
Latest Mortgage Rate Outlook in Canada for...
Subscribe to receive Perch’s monthly Canada interest forecast newsletter (once a month only!) You will receive an email after you submit this form to finalize your newsletter subscription. *...
Your questions, answered
As a homeowner, what can Perch help me do?
Take the uncertainty out of your mortgage renewal, and see when to switch lenders or renew to save the most money. And if you’re thinking about tapping into your home equity to renovate or buy your next property, Perch can show you how much you can afford.
How does Perch work?
If there’s an opportunity for you to save money on your mortgage by switching lenders, we’ll let you know ASAP. We’ll also calculate your available equity, in case you have big plans and want to refinance.
Why not just go to a bank for my mortgage?
What makes Perch different?
Whether you’re a first-time home buyer, a real estate investor, upgrading or downsizing your property, we’re here to help.
How do most people use Perch?
If you’re coming up on your mortgage renewal or want to refinance, Perch can help you maximize your savings by comparing mortgage lenders, rates, prepayment flexibility and penalty fees.
Along the way, you’ll be fully supported by a dedicated mortgage advisor to help you strategize.
Looking for more answers? See all FAQs →
