Purchase
Clear options for first-time buyers, next homes and second properties.
Explore this option
Ashab Khan · Managing Partner, OakPark Mortgage Group
A clearer path to the right mortgage.
Compare more than one bank, understand the trade-offs, and move forward with advice shaped around your goals.
Purchase, renewal and refinance Residential and commercial No-obligation consultation
01BuyingKnow your budget
02RenewingCompare before signing
03RefinancingPut equity to work
04InvestingBuild the right structure
Start here Mortgage solutions
Advice for where you are now—and what comes next.
Every application is different. Ashab looks at your full picture, compares lender options and explains the details in plain language.
Renewal & transfer
Review your lender’s offer before you sign and compare what else is available.
Explore this optionRefinance & HELOC
Use home equity strategically for debt, renovations or new opportunities.
Explore this optionInvestment & commercial
Financing guidance for rental properties, portfolios and business needs.
Explore this optionRenovation & construction
Structure financing around improvements, builds and purchase-plus-improvements.
Explore this optionComplex applications
Options for self-employed income, credit challenges and non-traditional files.
Explore this optionCurrent mortgage rates
Compare today’s popular terms.
Start with the rate, then compare the lender, restrictions, penalties and prepayment flexibility before deciding.
Mortgage rate boardUpdated Sep. 16, 2026
6-month Fixed
2.49%Short-term optionCheck my rate 1-year Fixed
4.49%Short commitmentCheck my rate 2-year Fixed
3.94%Balanced termCheck my rate 3-year FixedPopular
3.99%Popular fixed termCheck my rate 4-year Fixed
4.14%Longer stabilityCheck my rate 5-year Fixed
4.24%Payment certaintyCheck my rate 5-year VariablePopular
3.49%Starting fromCheck my rate 5-year Open
4.20%Added flexibilityCheck my rate Preview values for design review—not an Ashab Mortgage offer. Final rates must be confirmed by Ashab before production. Rates can change without notice and depend on the property, mortgage purpose, loan-to-value, qualification, lender conditions and approval. OAC.
The major bank comparison
Five banks. A clearer comparison.
Explore published mortgage rates before your next conversation. Posted rates are the banks’ standard rates; special offers have additional eligibility conditions.
RBC
- 3-year fixedClosed mortgage
- 6.05%
- 5-year fixedClosed mortgage
- 6.09%
- 5-year variableClosed mortgage
- 4.45%
Verified Sep 17, 2026
Rate conditions
- 3-year fixed: Closed mortgage.
- 5-year fixed: Closed mortgage.
- 5-year variable: Closed; RBC prime + 0.00%. Variable rate may change.
Interest rates, not APR. Subject to qualification and lender approval; rates may change without notice.
TD
- 3-year fixedClosed mortgage
- 6.05%
- 5-year fixedClosed mortgage
- 6.09%
- 5-year variableClosed mortgage
- 4.60%
Verified Sep 17, 2026
Rate conditions
- 3-year fixed: Closed mortgage.
- 5-year fixed: Closed mortgage.
- 5-year variable: Closed; TD Mortgage Prime Rate, which differs from TD prime.
Interest rates, not APR. Subject to qualification and lender approval; rates may change without notice.
BMO
- 3-year fixedClosed mortgage
- Not verified
- 5-year fixedClosed mortgage
- Not verified
- 5-year variableClosed mortgage
- Not verified
See the bank for current rates
Rate conditions
We have not verified these posted rates. Use the official bank link below.
Interest rates, not APR. Subject to qualification and lender approval; rates may change without notice.
CIBC
- 3-year fixedClosed mortgage
- Not verified
- 5-year fixedClosed mortgage
- Not verified
- 5-year variableClosed mortgage
- Not verified
See the bank for current rates
Rate conditions
We have not verified these posted rates. Use the official bank link below.
Interest rates, not APR. Subject to qualification and lender approval; rates may change without notice.
Scotiabank
- 3-year fixedClosed mortgage
- 6.00%
- 5-year fixedClosed mortgage
- 6.14%
- 5-year variableClosed mortgage
- 4.90%
Verified Sep 17, 2026
Rate conditions
- 3-year fixed: Closed term mortgage.
- 5-year fixed: Closed term mortgage.
- 5-year variable: Scotia Flex Value; closed 5-year term.
Interest rates, not APR. Subject to qualification and lender approval; rates may change without notice.
Independent comparison using each bank’s public rate page. These are bank rates, not offers from Ashab. Product features, amortization and eligibility differ. A missing figure means it has not been verified for that term and category.
Find out what fits your mortgageA wider lending network
Get beyond one bank.
Ashab can explore suitable options across multiple lender categories based on your application.
Major banksCredit unionsMonoline lendersAlternative lendersPrivate lendingCommercial financing
Plan with confidence
Mortgage calculators built for real decisions.
Use these estimates as a starting point, then ask Ashab to review the full lending picture.
Estimated monthly payment$3,539
Mortgage amount$640,000
Down payment$160,000
Insurance estimate$0
Review this scenario Illustrations only—not a lending commitment, qualification decision, legal or financial advice. Insurance, tax and qualification rules can vary.
Why work with Ashab
One conversation. More lender options. A plan you can understand.
Instead of fitting your goals into one bank’s product list, Ashab helps you explore the wider market and understand why one option may serve you better than another.
- Independent comparisonRates and features considered together—not rate alone.
- Access beyond one bankOptions across banks and other mortgage lenders.
- Personal guidanceA responsive process from first conversation through closing.
Simple from the start
Three steps to your mortgage plan.
- 1
Share your goals
Tell Ashab what you’re buying, changing or planning.
- 2
Compare options
Review the rate, payment, flexibility and total fit.
- 3
Move forward
Get guidance through documents, approval and closing.
Mortgage resources
Good questions deserve clear answers.
For a faster first conversation, have your income details, down payment, debts and property information nearby. Ashab will tell you what else your lender may require.
Ask your own questionThere is no charge or obligation for the initial consultation. Some alternative, private or commercial financing may involve fees; any applicable costs should be explained before you proceed.
Free consultation
Let’s make your next mortgage move clear.
Send a few details and Ashab will follow up to discuss your goals and possible next steps.