We are independent and objective
- Rates.ca is a comparison platform, but our editorial content is fully independent and is not influenced by commercial partnerships.
- We make recommendations based on what is best for the consumer.
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Our editorial principles
We provide accurate, unbiased, thoroughly researched, and useful information on what matters most to consumers: understanding the costs and real-world implications of insurance policies, mortgage rates, and credit card choices in Canada.
How we create editorial content you can trust
We are a primary data source
- Where applicable, we use anonymized, aggregate data from Rates.ca’s online quoters to identify consumer trends and price dynamics in the Canadian market. Read our privacy policy.
We are accurate
- All our editorial content adheres to a strict review policy.
- All our articles are edited and reviewed by our team of editors and data reporters.
- All calculations and data in our articles are reviewed by our team of statisticians, actuaries, insurance brokers, and mortgage brokers to ensure accuracy and appropriate context.
We are independent and objective
- We simplify complex information on insurance, mortgages and credit cards to help our readers easily understand issues that affect their premiums and rates.
- We do this through a combination of:
- Deeply researched, contextual, feature-length articles that leverage industry expertise, third-party, and proprietary data to explore issues related to insurance, mortgages and credit cards.
- Explainer articles that break down how insurance policies, mortgage and credit cards really work, and how consumers can better leverage these tools for their personal needs.
- Practical guidance that helps readers understand and compare options and trade-offs.
We are transparent and accountable
- Our articles include bylines for the author, the publish date and, when relevant, the date the article was updated and the reviewer.
- We review editorial content each month to identify articles to update to keep content fresh and relevant.
- We use reputable third-party data, such as government, regulatory, and authoritative industry statistics, and clearly accredit and link to original source material when used in articles.
- If we make a mistake, we correct it and note it in a postscript in the article.
How we create editorial content you can trust
We are independent and objective
- Rates.ca is a comparison platform, but our editorial content is fully independent and is not influenced by commercial partnerships.
- We make recommendations based on what is best for the consumer.
We are a primary data source
- Where applicable, we use anonymized, aggregate data from Rates.ca’s online quoters to identify consumer trends and price dynamics in the Canadian market. Read our privacy policy.
We are accurate
- All our editorial content adheres to a strict review policy.
- All our articles are edited and reviewed by our team of editors and data reporters.
- All calculations and data in our articles are reviewed by our team of statisticians, actuaries, insurance brokers, and mortgage brokers to ensure accuracy and appropriate context.
We are independent and objective
- We simplify complex information on insurance, mortgages and credit cards to help our readers easily understand issues that affect their premiums and rates.
- We do this through a combination of:
- Deeply researched, contextual, feature-length articles that leverage industry expertise, third-party, and proprietary data to explore issues related to insurance, mortgages and credit cards.
- Explainer articles that break down how insurance policies, mortgage and credit cards really work, and how consumers can better leverage these tools for their personal needs.
- Practical guidance that helps readers understand and compare options and trade-offs.
We are transparent and accountable
- Our articles include bylines for the author, the publish date and, when relevant, the date the article was updated and the reviewer.
- We review editorial content each month to identify articles to update to keep content fresh and relevant.
- We use reputable third-party data, such as government, regulatory, and authoritative industry statistics, and clearly accredit and link to original source material when used in articles.
- If we make a mistake, we correct it and note it in a postscript in the article.
Our editorial team
Our editorial content is created by a team of experienced in-house and freelance writers, journalists, data reporters, and editors with extensive experience reporting on insurance, mortgages, and personal finance.
Laura Fitch | Director, PR & Editorial
As an editor and freelance journalist for more than two decades, Laura's work has appeared in the Wall Street Journal, Maclean's, CBC, South China Morning Post and The Japan Times. She specializes in Canadian auto and home insurance and mortgages at Rates.ca, with more than five years of experience in these verticals. She holds a degree in journalism from Carleton University.
Joan Pinto | Managing Editor
With more than 15 years of experience in developing multi-asset financial markets content at leading Canadian banks, including CIBC, BMO and TD, Joan has also served as a financial research analyst covering energy markets and as a journalist covering global environmental policy. She specializes in auto and home insurance and mortgages at Rates.ca. She holds a degree in life sciences from Mumbai University, and a MSc from the University of Sussex.
Arshi Hossain | Associate Editor
Arshi has more than four years of experience delivering digital content across mediums, including editorial and digital content roles at Wealthsimple and UX writing for payment products at Bank of Montreal. She specializes in auto and home insurance and mortgages at Rates.ca. She holds a Bachelor of Arts (Honours), Professional Communication from Toronto Metropolitan University.
Aya Al-Hakim | Data Reporter
Aya has more than nine years of experience as a digital journalist, reporting on business, politics, and health for national news networks. Her work has been featured in Global News, CBC, Yahoo Lifestyle Canada and Canadian Business. She specializes in auto and home insurance and mortgages at Rates.ca. She holds a degree in journalism from the University of King's College.