To support this objective, we ask that all advertisers observe certain rate disclosure guidelines.
If any of the following apply to a rate advertised on Rates.ca, it must be disclosed in the rate notes:
To ensure that rates are adequately available to a reasonable segment of the population, RATESDOTCA will not post rates that have more than four of the above conditions. Nor will we display rates that apply to very narrow audiences (e.g., members of a specific group) or that specify a minimum mortgage amount that’s greater than $400,000. We audit providers’ rates continually to ensure readers see correct data.
As always, rates are subject to the site’s terms and conditions. Among other things, those term prohibit rate advertising in provinces where the provider is not licensed. We also ask that advertisers abide by all applicable laws and regulations, which include but are not limited to disclosing APR where required, avoiding bait and switch tactics and making disclosures in ways that are clear and not confusing to consumers. RATESDOTCA makes no warranties with respect to performance, timeliness or accuracy of data updates or any particular provider’s data.
The goal of all rate advertisers should be to communicate at least as much detail as you would want to see if you were shopping for a mortgage. Rates not meeting any of the above guidelines will be deactivated without notice. Repeated non-disclosure is grounds for exclusion from the community.
All broker rates are independently verified by RATESDOTCA to ensure brokers are updating their rates in a timely fashion. Rates.ca uses an automated model to validate rates. Broker rates that don’t correspond to available broker-lender offers and reflect a minimal level of compensation after buydown or cash rebates (based on standard published top-tier broker finders fees and volume bonuses), will be flagged as potentially inaccurate and may be deactivated.
* For the purposes of obtaining a free listing, we require that brokers in AB, BC or ON price as follows:
We greatly appreciate your support of the site and your help in maintaining its high standards.