Please read this disclaimer carefully before using Estima.ca.
What Estima.ca is not
- Estima.ca is not a lender.
- Estima.ca is not a mortgage broker.
- Estima.ca is not a bank or financial institution.
- Estima.ca does not provide financial, legal, tax, accounting, or investment advice.
- Estima.ca does not arrange, approve, fund, or guarantee any mortgage or loan.
About the rates shown
Mortgage rates displayed on Estima.ca may include any of the following:
- Sample rates used for illustration.
- Posted rates published by financial institutions.
- Manually verified rates entered by our team.
- Public or official benchmarks (for example, Bank of Canada series).
- Marketplace comparison rates from third-party sources.
Rates may be delayed, approximate, or out of date. They are not offers and do not guarantee that any lender will provide the same rate or terms to you.
Your actual rate will depend on many factors
The mortgage rate, payment, and amount you ultimately qualify for depend on factors that Estima.ca cannot evaluate, including:
- Lender approval and underwriting decisions.
- Your credit profile, score, and history.
- Your income, employment, and debt servicing ratios.
- Down payment size and source of funds.
- Property type, use, location, and appraised value.
- Mortgage default insurance (CMHC, Sagen, Canada Guaranty) where required.
- Amortization period, term, and rate type (fixed or variable).
- Provincial regulations, taxes, and fees.
Verify before you decide
Always verify mortgage rates, eligibility, fees, penalties, and terms directly with a qualified lender, licensed mortgage broker, lawyer, notary, or accountant before signing any agreement or making a financial commitment.
No liability
Estima.ca and its operators accept no liability for any decision, action, loss, or damage arising from reliance on information presented on the site. Use of the site is at your own risk and is subject to our Terms of Use and Privacy Policy.
Questions
Contact: contact@estima.ca.