Last Updated: November 4th, 2020.
Insurance Disclaimer: Ratehub.ca is not affiliated or otherwise
associated with Hub International Canada.
Financial Products Disclaimer: Ratehub.ca owns and operates a
mortgage brokerage operating under the name CanWise Financial. The CanWise Financial
Products (the “CanWise Products”) appear in the list of Financial Products listed on
the Website, however all Financial Products are sorted according to rates and User
selection criteria, and accordingly the Canwise Products do not receive any
preferential treatment or advantage as compared to the other Financial Products listed
on the Website.
Service Disclaimer: By using the Services, you understand and
acknowledge that Ratehub.ca provides a platform for Users to get information on and
compare third party Financial Products. Ratehub.ca is not a provider, vendor or broker
of Financial Products (other than CanWise Products that are provided by CanWise
Financial), nor is it a financial advisor. The information provided on the Website is
provided for information purposes only and is not and should not be construed as
financial advice or any other kind of advice. Ratehub.ca makes no representations or
warranties about the accuracy of any information contained on the Website, and shall
not be responsible for any inaccuracies, misrepresentations, errors or omissions in
the information provided therein, and some information may not always be up to date.
Additionally, some of the information about certain Financial Products appearing on
the Website is provided directly by Vendors, not by Ratehub.ca (“Vendor Content”). As
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in any Vendor Content or any losses, claims, expenses, damages, or liabilities that
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sense and discretion and to do their own research before relying on any of the
information provided by the Website, and to consult an independent competent
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Advertising Disclosure: Most of the products listed on our website
are from partners who compensate us. Products marked as "featured" or "sponsored" in
our comparison tables are compensated, and are ranked above those that are not
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Ratehub.ca receives compensation when our users connect with providers and/ or are
approved for products offered on our website. We also own and operate a mortgage
brokerage, Ratehub.ca (formerly known as CanWise Financial), and are compensated for
mortgages funded through the brokerage. Ratehub Inc. o/a Ratehub.ca & CanWise is a
licensed mortgage brokerage and CMHC-approved lender.
We strive to offer our users a variety of the best products available in the market to
compare but you will not find all offers listed on our website.
Mortgage Statement: The mortgage rates shown are dependent on the
search criteria you have provided. A lender may offer different rates when you apply
for your mortgage if any of these details differ, or if rates have changed. In some
instances, rates may also vary based on your credit or payment history. Additional
terms and conditions may apply.
The default mortgage rates advertised on our website are based on the following
assumptions: an excellent credit borrower looking for a home purchase loan for a
single family home for personal occupancy priced at under $1,000,000 with a down
payment of less than 20 per cent (i.e. a high-ratio, insured mortgage).
All mortgages have specific qualification criteria including debt servicing ratios,
credit, property value and property details. Rates and Monthly Payment Amounts shown
in the Mortgage Comparison Chart are examples only and do not take into consideration
homeowners insurance or property taxes. For more details click here for Ratehub.ca’s
Terms of Use. Further, data displayed in Ratehub.ca’s Mortgage Comparison Chart does
not take into consideration your personal financial situation, appraised value of your
home, actual credit score, income, existing debt, or other circumstances particular to
an individual.
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