Latest Lending Rates

Mortgages and Financing Designed Around You

Contact us today to receive current rates and a complimentary in-depth quote and overview of current market conditions affecting your local mortgage market.

NOTE: Rates quoted are based on high ratio insured purchases or transfers. Rates are subject to change without notice.

Prime Rate

4.45%

Variable Rate

3.54%

Bank Rates

Term

OUR RATES

4.39 % 5 Year Variable 3.54 %
5.15 % 3 Year Variable 3.65 %
5.99 % 6 Month Closed 3.49 %
5.39 % 1 year closed 4.74 %
4.84 % 2 year closed 4.34 %
4.34 % 3 year closed 3.59 %
5.99 % 4 year closed 4.09 %
4.79 % 5 year closed 3.94 %
5.75 % 10 year closed 5.24 %
6.80 % Prime - Rates as of January 4.45 %

*Subject to approved credit, income verification and meeting lending credit granting criteria. Applies to high-ratio insured residential purchase or transfer mortgages only and some conditions may apply. O.A.C., E.O.E All content is subject to change.

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Our Trusted Lenders

  • Alterna
  • ATB Financial
  • B2B Bank
  • Bridgewater
  • Canadiana
  • CMLS Financial
  • Equitable Trust
  • First Ontario
  • Home Trust
  • ICICI bank
  • Industrial Alliance
  • ING
  • Manulife Bank
  • MCAP
  • Merix
  • Meridian
  • Optimum
  • Prospera
  • RMG Mortgages
  • Scotiabank
  • Street Capital
  • TD Canada Trust
  • Valley First
  • Vancity
  • Wealthline
  • Westminster Savings
  • XCEED
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Top-Rated Mortgage Broker in Guelph Since 1986 – Trusted Local Mortgage Experts Paul Gazzola and the Guelph Mortgage Architects Team are experienced, award-winning mortgage brokers serving Guelph, Wellington County, Cambridge, Kitchener-Waterloo, and surrounding Ontario communities. With nearly four decades of experience, we specialize in helping clients secure the best mortgage rates in Guelph with customized financing solutions. As a leading Guelph mortgage broker, we provide expert guidance for: - Home Purchase Mortgages - First-Time Home Buyer Mortgages - Mortgage Renewals & Mortgage Transfers - Mortgage Refinancing - Debt Consolidation Mortgages - Investment Property Mortgages - Second Home & Vacation Home Mortgages - Construction & New Build Mortgages - Self-Employed Mortgages - Bad Credit / Bruised Credit Mortgages - New to Canada Mortgage Programs - Divorce & Separation Mortgage Solutions We work with over 50 mortgage lenders, including major Canadian banks, credit unions, monoline lenders, and trust companies. This gives our clients access to competitive mortgage rates, flexible terms, and alternative lending options that you won’t find by visiting just one bank. Our goal is simple: secure the lowest mortgage rate in Guelph with the right product tailored to your financial goals. We compare lenders, negotiate rates, and clearly explain every option so you can make a confident, informed mortgage decision. Whether you're buying your first home, refinancing to lower payments, consolidating debt, or investing in real estate, Paul Gazzola – Mortgage Architects Guelph is your trusted local mortgage expert. Looking for the best mortgage broker in Guelph? Contact us today for a free mortgage consultation. #MortgageBrokerGuelph #BestMortgageRatesGuelph #GuelphRealEstate #OntarioMortgageBroker