Get the Right Mortgage. Without the Runaround.

ClearPath connects Ontario homebuyers with the best mortgage rates from 30+ lenders — in minutes, not days.

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⭐ 4.9/5 from 300+ Ontario homeowners

Trusted by Canadians. Backed by Canada’s top lenders.

Your Mortgage. Simplified.

Tell Us Your Goals

Fill out our 5-minute wizard. No SIN, no credit pull — just the basics.

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See real rates from 30+ lenders matched to your situation instantly.

Close With Confidence

Your dedicated broker handles everything from application to closing.

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Canadian Mortgage Math, Done Right

Canadian mortgages use semi-annual compounding — not monthly like US mortgages. Our calculator uses the exact math required by Canada’s Interest Act. It also applies the stress test at the qualifying rate and automatically calculates CMHC insurance when your down payment is under 20%.

Real Canadian compounding math
Stress test at qualifying rate
CMHC insurance automatically calculated
Live rates from our lending network

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Real Clients. Real Results.

“ClearPath found me a rate 0.4% lower than my bank offered. That saved me $180 a month — I wish I had come here first instead of going straight to my bank.”

“We were approved in 4 days. The whole process was online and our broker kept us updated every step. Absolutely painless compared to what we expected.”

“I was skeptical of an online broker but ClearPath proved me wrong. They found an investment mortgage I couldn't get at a big bank and saved me thousands.”

“The mortgage calculators on this site are the best I've seen. The stress test calculator helped me understand exactly what I could afford before I started shopping.”

“Refinanced to pull equity for a renovation. ClearPath found a rate that made the numbers work. The break-even calculator was spot on — 18 months exactly.”