Stop Overpaying Your Mortgage — Starting Today
Banks keep the savings when rates fall. CMRP does the opposite — we constantly monitor 35+ major lenders and pass every rate drop directly to you.
I'm building your Mortgage Portrait — a personalized picture of what your mortgage is really costing you. 6 questions, 90 seconds.
Free · No obligation · No credit check
Banks and Lenders Rarely Offer Their Best Rate Upfront
Find your best rate in 60 seconds. →
Compare Your Rate
Enter your current or offered rate to see the difference
3 Steps. 60 Seconds. Zero Risk.
No paperwork. No credit check. No obligation.
Tell Us Your Situation
Buying, renewing, or refinancing? Enter your rate and balance. The Program Advisor handles the rest.
30 secRates Compared Across 35+ Major Lenders
The Program compares rates from CMHC-approved banks, credit unions, and monoline lenders across Canada.
InstantLock In and Activate Rate Protection
A Licensed Mortgage Advisor secures your rate and activates the Rate Drop Guarantee. If rates drop before closing, yours drops too. Free, no obligation.
No obligationRate Drop Guarantee
Whether you're buying, renewing, or refinancing — once approved through a CMRP-affiliated broker, your rate is monitored until closing. If rates drop, yours drops too. Automatically. At no cost.
Rates Drop?
Your rate is automatically adjusted downward. No action needed on your part.
Rates Stay the Same?
You keep your original approved rate. Protected either way.
No Extra Cost
The Rate Drop Guarantee is included with every enrollment at no additional charge.
Today's Best Mortgage Rates
Compare rates across 35+ major lenders and 20+ alternative lenders. Updated daily.
What Signing Your Bank's Letter Actually Costs You
- Average cost of not comparing: $14,820 over your term
- That is $247 every month you could keep in your account
- You cannot get this money back — renewal terms are locked for 5 years
It takes 60 seconds. Free. No credit check.
How Is This Free?
What Members Are Saying
"My bank offered 5.29% on renewal. CMRP showed me I could get 3.74% with the same bank. I called them with the comparison and they matched it. Saved us $11,400."
"As first-time buyers we were overwhelmed. CMRP found us a rate 0.8% lower than our bank's pre-approval. The Licensed Mortgage Advisor handled everything."
"Refinanced through CMRP and dropped my rate from 5.2% to 3.89%. Saving $410/month. The process was painless — the advisor handled everything."
Free. No credit check. 60 seconds.
Common Questions
Learn more about the Program.
Free. No credit check. Licensed Mortgage Advisors.
Ready for a Better Mortgage Rate?
Purchasing, renewing, or refinancing — the average member saves $247/month. Rate Drop Guarantee included.
Free. No credit check. CMHC-approved lenders. Rate Drop Guarantee.
Secure Your Best Rate
A Licensed Mortgage Advisor will contact you within 2 hours
You're All Set
A Licensed Mortgage Advisor will call you within 2 hours during business hours to secure your rate and activate the Rate Drop Guarantee.