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What we help with:

Your wealth advisor for real estate

Grow your property investments on our award-winning platform.

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Ask a mortgage expert: 1-844-415-8263
Ask a mortgage expert: 1-844-415-8263
Sign up with Google
or email

Know your net worth

View property value estimates and available equity

Mortgages made easy

Shop 30+ lenders and apply for a mortgage in as little as 20 minutes

See when to switch or renew

Save up to $3,000/year in mortgage interest

Renewing or refinancing?

Check my rates →

5-year variable:

Renewal: 5.95%
Refinance: 6.35%

5-year fixed:

Renewal: 5.54%
Refinance: 5.94%

Today’s best
mortgage rates

Check my rates →

5-year variable

Renewal: 5.95%
Refinance: 6.35%

5-year fixed

Renewal: 5.54%
Refinance: 5.94%

Calculators and tools:

Renovation calculator

See how much you can borrow to pay for your next project

Pathfinder

Find the best mortgage deal and directly compare offers

Penalty calculator

Find the cost of breaking your mortgage early

Browse all tools →

Get clarity when you need it

  1. Our streamlined platform helps you find your next mortgage
  2. Maximize cash flow and returns on your properties
  3. Unlock low rates and save up to $3,000/year in mortgage interest

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.”

Evan Self-employed first time buyer

“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.”

Jeff Homeowner

“Outstanding knowledge, communication and customer service. This online platform made so much sense for me.”

HichemHomeowner

"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."

Evan Self-employed first time buyer

"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."

Jeff Homeowner

Outstanding knowledge, communication and customer service. This online platform made so much sense for me.

HichemHomeowner

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
Read more

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
Read more

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.

Your next mortgage move starts here

Homeowners

Money, mortgages and real estate in everyday English. Refreshing, right?

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Your questions, answered

Wherever you are in your real estate journey, we’re here to help. Get free monthly property estimates so you can track the value of your largest financial asset(s).

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.
It’s simple. Add the property details to your Perch account, including your mortgage information. You’ll be able to see the latest property value estimate, and monthly trend line.

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.
You definitely can, but you could be leaving money on the table. Keep in mind that banks only offer their own lending products, while Perch has access to thousands of mortgages from 30+ lenders. Why not increase your odds of finding the best mortgage deal?
We’re a digital-first mortgage brokerage. We built Perch with the goal of educating and sharing the financial insights you need throughout your homeownership journey.

Whether you’re a first-time home buyer, a real estate investor, upgrading or downsizing your property, we’re here to help.
Most people start out by using Perch because they need a mortgage or are curious about how much their property is worth.

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 →

Optimize your real estate money matters
and save on your mortgage.

Try Perch

Our tools and calculators

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Google Reviews

4.9

Perch Mortgages BBB Business Review

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Google Reviews

4.9

Perch Mortgages BBB Business Review

Subscribe

Stay up to date on mortgage rates with our monthly newsletter

You’ll hear from us once a month, and can opt out anytime

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