Independent. Canadian. Free.
About LendGuide.ca
Canada's independent mortgage rate comparison and education platform — built for borrowers, not banks.
Who We Are
LendGuide.ca is an independent Canadian mortgage information platform built to give Canadians the knowledge and tools they need to make smarter mortgage decisions.
We are not a lender.
We are not a mortgage broker.
We are not owned by a bank.
We are a consumer-focused resource that compares mortgage rates from 50+ Canadian lenders, publishes plain-language mortgage guides, and connects borrowers with licensed mortgage professionals — at no cost to the borrower.
Our mission is simple: make Canadian mortgage decisions less confusing and more financially sound.
What We Do
Compare Rates
We track mortgage rates from Canada's Big 6 banks and top broker networks daily, sourced directly from the Bank of Canada's Valet API and published lender rate sheets.
Educate Borrowers
Our mortgage guides are written in plain language by people who understand Canadian mortgage law, OSFI regulations, and provincial programs — no jargon, no agenda.
Connect with Brokers
We match borrowers with licensed Canadian mortgage brokers who are regulated by provincial authorities and legally required to act in your best interest.
Free to Use
Our service is free to borrowers. When a lender funds a mortgage referred through LendGuide, the lender pays a finder's fee to the broker — you pay nothing.
How We Make Money
We believe transparency is the foundation of trust.
Lead referral fees
When we connect a borrower with a licensed mortgage broker and that broker successfully closes a mortgage, LendGuide receives a referral fee from the broker. This fee does not affect the rate or terms offered to the borrower.
No sponsored content
Unlike some comparison sites, LendGuide does not accept payment from lenders to feature their rates prominently or rank them higher in our comparisons. All rate rankings are based solely on the rate offered.
We disclose this because you deserve to know how we operate.
Our Data Sources
Mortgage rates
Bank of Canada Valet API (daily automated sync) ↗ Source
Posted bank rates
Bank of Canada chartered bank rate survey ↗ Source
Home prices
CREA (Canadian Real Estate Association) monthly reports ↗ Source
Provincial data
BCREA, CREB, TRREB, OREB, and provincial real estate associations ↗ Source
Government programs
Canada.ca, provincial government websites ↗ Source
Regulatory information
OSFI, CMHC, provincial mortgage broker regulators ↗ Source
For full methodology details, see our Rate Methodology page.
Editorial Standards
Accuracy
All rates, figures, and program details are verified against primary sources before publication. We update content when information changes.
Independence
Our editorial team does not accept direction from lenders, brokers, or advertisers on content decisions. Rate comparisons are unbiased.
Currency
Rate data is updated daily. Guide content is reviewed quarterly and updated when regulations, programs, or market conditions change. Every page displays a "Last Updated" date.
Plain Language
We write for Canadians making real financial decisions — not for search engines or industry insiders. Jargon is explained. Math is shown.
Limitations
We are not financial advisors or mortgage brokers. Nothing on LendGuide.ca constitutes financial advice. We recommend consulting a licensed mortgage professional for advice specific to your situation.
The Team
LendGuide.ca is operated by 250 Digital Inc., a Canadian corporation based in British Columbia.
Our content is produced by a team with backgrounds in Canadian mortgage lending, real estate, financial journalism, and consumer advocacy.
We work with licensed mortgage brokers across Canada, regulated by:
And provincial regulators in all other provinces and territories.
Contact Us
LendGuide.ca is operated by 250 Digital Inc., British Columbia, Canada.
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