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Mortgage Rates
in Canada
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Your Monthly Payment
$2,135
Mortgage Amount
$400,000
Total Interest
$240,365
Total Cost
$640,365
Down Payment
20.0%
Today's Best Mortgage Rates
Updated daily from 50+ lenders across Canada.
Ontario Removes Full HST on New Homes — Save Up to $130,000
The Ontario and federal governments are removing the full 13% HST on eligible new home purchases for all buyers — not just first-time buyers. This is one of the largest home-buying incentives ever offered in Ontario, available for a limited time.
- Applies to new construction and pre-construction homes
- Primary residence or residential rental property
- Both provincial (8%) and federal (5%) portions removed
- In effect April 1, 2026 – March 31, 2027
Source: Ontario Newsroom, March 25, 2026. Subject to final budget legislation. OAC.
Rebate by Purchase Price
Offer expires March 31, 2027 — act before this window closes.
Total Relief Available
$2.2 Billion
In joint Ontario + federal tax relief for new home buyers across Ontario.
Why Choose SenTrust Mortgages?
We're not a bank. We work for you — better rates, more options, and expert advice tailored to your situation.
Lowest Rates Guaranteed
We compare 50+ lenders to find you the absolute best rate. If you find lower, we'll match it.
Fast Pre-Approval
Get pre-approved in as little as 24 hours. No obligation, no impact on your credit score.
Licensed & Trusted
FSRA licensed mortgage professionals with 15+ years experience serving Ontario families.
Expert Guidance
Dedicated mortgage specialist assigned to your file. Available evenings and weekends.
What Our Clients Say
SenTrust Mortgages saved us $47,000 in interest over our mortgage term. The process was incredibly smooth and transparent.
Sarah M.
Toronto, ON
As first-time buyers, we were overwhelmed. SenTrust Mortgages walked us through everything and got us a rate we didn't think was possible.
James & Priya K.
Mississauga, ON
Refinanced with SenTrust Mortgages and cut my monthly payment by $380. Wish I had called them sooner.
David L.
Ottawa, ON
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