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eMortgage Solutions

Trusted Mortgage Brokers Located in Toronto

eMortgage Solutions's Logo

eMortgage Solutions

Trusted Mortgage Brokers Located in Toronto


Brokerage License #10530

Mortgage Rates

Finding You the Best Mortgage Rates

This company is putting power back into the hands of homebuyers everywhere. As a leading mortgage broker, we give our clients control over a vast network of banks and mortgage lenders, helping them leverage those connections to find the lowest mortgage rate available. We give you more choice, options, and purchasing power in the process.

For added flexibility, we offer fixed-rate, variable-rate, and adjustable-rate mortgages. To find out more about the difference our services can make, don’t hesitate to call us at (416) 258-0156 and schedule a consultation.

Fixed-Rate Mortgage

With a fixed-rate mortgage, your interest rate will stay the same throughout the term of the loan. As such, your payments are locked in at a set amount, month in month out.

A fixed-rate mortgage is best if:

  • You want a stable, consistent payment plan
  • Interest rates are expected to increase
  • You want to avoid fluctuations in the market

Fixed rate is the most common type of mortgage in Canada.

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Variable-Rate Mortgage

Unlike fixed-rate, a variable-rate mortgage has a floating interest rate based on market fluctuations. Your monthly payments will stay the same, but the amount that goes to paying off the principal balance will vary according to the interest rate. If interest rates decrease, more will go toward the principal balance, meaning you can pay your mortgage off sooner. If, however, interest rates increase, more of your payment will go toward paying off the interest rather than the principal balance.

Due to the inherent potential for fluctuation, variable-rate mortgages tend to start with a lower lending rate than fixed-rate mortgages.

Variable-rate mortgages are best if:

  • You want a stable payment plan
  • Interest rates are expected to decrease
  • You can absorb fluctuations in the market
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Adjustable-Rate Mortgage

Like variable-rate mortgages, an adjustable-rate mortgage comes with a floating interest rate and is prone to fluctuations in the market. The amount you pay will adjust according to any changes to the prime interest rate. If the interest rate decreases, your monthly payments will also decrease. However, if the interest rate increases, then so too will your monthly payment amount. If you can absorb such variations, the advantage is that you are sure to pay off your mortgage by the end of the amortization term.

Adjustable-rate mortgages are best if:

  • You can absorb possibly higher monthly payments
  • Interest rates are expected to drop
  • You want to pay off your mortgage by a pre-determined deadline
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Discover the Best Mortgage Rates Today

Get in Touch with Us

We’re happy to answer any questions you may have about our services. We will help you navigate your options so that you find the best current mortgage rate available––all while saving you money along the way.

To schedule a consultation with one of our brokers, be sure to contact us today.

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