At Capital Mortgages, we seearch for the most competitive lenders in Canada to bring you the lowest mortgage rates. Our comparison charts list current bank rates vs Capital Mortgages rates, and are updated on a daily basis. If you have any questions please dont hesitate to contact a Capital Mortgages broker for more details.

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  With 35 Lenders, we search the market to get you the best mortgage rates.

TermBank RatesCapital’s Rates
 6 Months 3.14% 3.10%
 1 Year 3.14% 2.29%
 2 Years 3.04% 2.14%
 3 Years 3.65% 2.29%
 4 Years 4.39% 2.44%
 5 Years 4.64% 2.39% (High Ratio Only)
 7 Years 5.3% 3.44%
 10 Years 6.1% 3.84%
 5 Year Variable Prime (2.70%) P. –  .40 (2.30%)


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May '16 was the biggest month for Toronto new home prices in 27 years.

Prices in Canada’s largest metropolitan area rose 1.9 percent in May, and were up 6.4 percent from a year earlier

Please contact me for Unpublished Rate Special !

Phone: 613.697.7801 This email address is being protected from spambots. You need JavaScript enabled to view it.

Address: 2725 Queensview Drive, Suite 500, Ottawa, Ontario

Bloomberg News

  • Bloomberg News

    Home Prices in Canada’s Biggest City Gain Most Since 1989

    New house prices in Vancouver also recorded large gains in May, rising 1.1 percent in the twelfth consecutive monthly gain. Prices in the west-coast city are up 5.1 percent from a year earlier.
    Nationally, new home prices rose 2.7 percent from a year earlier, the largest increase since 2010.
    Economists were expecting a national increase of 0.2 percent in May and 2.2 percent from a year earlier, according the median estimate in a Bloomberg survey.

    Statistics Canada’s new home price index doesn’t include condominiums or apartments, which comprise about a third of the new real estate market.


Are you doubt in your abilities?

  • Renew Your Mortgage

    Your business is important to us.

    Whether you’re renewing your mortgage for the first time or the last time, we’re here to help you save money with the right mortgage options for your current and future needs.

    Renewing Your Mortgage – How it Works

    Renewing your mortgage is simple! Here’s how it works and a quick summary of some things you can do to make it even easier:

    Step 1 : Start thinking about your needs and goals.

    If you’re close to renewal, now is a great time to review your financial goals and your plans for the future. You might want to consider the following types of questions:

    • Has your financial situation changed since your last renewal?
    • Are you planning any home renovations or will you need additional funds?
    • Will you be moving within the next year?
    • Do you prefer fixed or variable rates, or are you unsure?

    Renewing for the first time? Have questions?

    CONTACTS, and I will get back to you with a mortgage solution that best suits your requirements.

    Step 2 : Consider renewing early!

    We’ll contact you about 120 days out from your renewal date to discuss your current mortgage needs. (You can also call or visit us.) You can renew early at this point (or any time up to your renewal date), or you can wait and consider your options.

    If you renew early, you’ll be able to lock in at current interest rates even sooner – which could save you thousands of dollars in interest if rates rise before your renewal date.

    Step 3 : Time to renew if you haven’t already!

    About three weeks before your renewal date, we’ll send you a renewal letter in the mail. If you have questions about your renewal rate and term, you can give us a call or visit one of our offices.

    When you renew your mortgage at maturity, you are protected from an increase in interest rates, for the interest type and term you selected, in the 30-day period prior to your regularly scheduled renewal date. And, if the interest rate changes before your actual mortgage renewal date, you’ll automatically receive the lower rate for the term and type you chose.

    It’s that simple!

  • Buying a New Home

    With today’s market flooded with a number of mortgage products, you need the help of a mortgage professional to make the right decision. In case you are a first-time homebuyer or even if it’s your second time around, consulting a mortgage expert will prove extremely beneficial.

    As a first time home buyer, you are usually unaware of the financing plans that are available. You must know how to pick the right one for your specific needs along with the legalities involved. I can assist you by providing the right advice, and making the application process lucid, simple and error-free.

    Even if you have done this before, you might not be well informed of the latest rates and packages available. To ensure the mortgage you choose is tailor-made according to your needs, get in touch with me at the earliest.

    CONTACTS, and I will get back to you with a mortgage solution that best suits your requirements.

Rental vacancy rates 2014 vs 2015






  • Rent vs. Buy

    Should you rent or should you buy your home?
    It takes more than looking at your mortgage payment to answer this question.
    The first steps in buying a house are ensuring you can afford to place at least 5% of the purchase price of the home as a down payment and determining your budget.
    This calculator helps you weed through the fees, taxes and monthly payments to help you make a good financial decision.


  • Accelerated Debt Payoff

    Consolidating your debt is only half of the battle.
    You still need a plan to get your debt paid in full.
    This calculator can show you how to accelerate your debt payoff. The process is simple; just apply a portion of your consolidated loan's monthly payment savings to the consolidated loan's balance.
    You can save hundreds, even thousands in interest and shave years off of your loan!


  • Mortgage Payoff

    How much interest can you save by increasing your mortgage payment?
    This financial calculator helps you find out.
    View the report to see a complete amortization payment schedule, and how much you can save on your mortgage!


  • Mortgage Compare

    Determining which mortgage provides you with the best value involves more than simply comparing monthly payments.
    Use this calculator to sort through the monthly payments, fees and other costs associated with getting a mortgage.
    By comparing these important variables side by side, this calculator can help you pick the mortgage that works best for you.
    Click on the 'View Report' button to see the results in detail.


  • Mortgage Refinance Interest Savings (Canadian)

    How much interest can you save if you refinance your mortgage? 

    This calculator helps you find out!
    Enter the specifics about your current mortgage, along with new loan amortization, rate and closing costs.
    We will then determine how much interest refinancing can save you.


  • Mortgage Calculator

    Use this calculator to generate an amortization schedule for your current mortgage. Quickly see how much interest you will pay, and your principal balances. You can even determine the impact of any principal prepayments! Press the report button for a full amortization schedule, either by year or by month.


  • Mortgage Qualifier

    The first steps in buying a house are ensuring you can afford to pay at least 5% of the purchase price of the home as a down payment and determining your budget.
    This calculator steps you through the process of finding out how much you can borrow.
    Fill in the entry fields and click on the payment schedule button to see a complete amortization schedule of your mortgage payments.



Print map?

If you have questions

If you have questions on how to make your mortgage work for your financial plans, talk to me.
I’m a mortgage expert and I’m committed to providing the best mortgage advice to all my clients.

Talk to me :)

Elena Roy
Mortgage Agent
Licence # 12001012

Tel: (613) 697-7801
Fax: (613) 482-4839

Head Office
   106-18 DEAKIN ST
   K2E 8B7

Kanata Office
   200 - 260 HEARST WAY
   K2L 3H1


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