Today’s best fixed and variable rates.

8Twelve works with over 65 lenders to get the best rates, even for unique situations.

1-Year Fixed

Today's Rate


3-Year Fixed Rate

High Ratio Mortgage


5-Year Fixed Rate

High Ratio Mortgage


5-Year VRM Rate

High Ratio Mortgage


3 easy steps

Get your personalized mortgage in Canada

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Step 1


Fill in the short form online, or call us at 1.877.812.8123 to apply over the phone. The consultation is free, and there's no credit check.

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Step 2

Review your options

Our industry-leading, AI-powered technology searches 65+ lenders and over 7,000 mortgage solutions to find the ideal loan options for you.

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Step 3

Sit back and relax

Time to solidify your mortgage! Our team compiles all the necessary details and arranges for a quick and seamless signing online when everything is ready.

Where do I fit in?

We all have different needs. With so many mortgage solutions to choose from, 8Twelve walks you through the process and helps you choose the product that will benefit you the most.

fit in

I am buying a new home

I need a mortgage for my new home purchase happening soon.

fit in

I want to consolidate my debt

I have credit card debt and a few personal loans. I think it’s
time for consolidation so I can save money and make one easy
payment each month.

fit in

I am self-employed

The banks aren’t always able to service me. I’d like to work with
a mortgage broker who has attractive solutions for self-employed

Ask us anything, we're here to help


We help Canadians secure their best mortgage

We've helped thousands of people across Canada save on their mortgages and improve their financial positions.

Google Reviews
8Twelve Mortgage

My whole experience with 8Twelve was more than excellent. As a first time client I had many questions about my options, the process and the follow up. Stefan, Alice and Rachel were very patient with my questions. They put me at ease, and instilled confidence that they could help me. They kept me up to date,and the loan was completed very quickly. They are now going to follow up on my project every 3 months until completion. We have already started to discuss other financing options available at the end of my project. I look forward to working with Stefan and his team, 5 star service !! Highly RECOMMEND

8Twelve Mortgage
Toni Akam

We had a great experience working with Stefan and his team at 8Twelve Mortgage and would highly recommend them. Their professionalism made the process of buying a new home go more smoothly. Stefan was patient in answering all of our questions and very thorough in helping us to gather all the necessary documents needed. The efficiency and prompt replies were much appreciated.

8Twelve Mortgage
Office Space

Joseph Dalal played a pivotal role in assisting our client in securing the ideal mortgage. His professionalism, enthusiasm, and incredible attention to detail stood out throughout the entire process. We are extremely pleased with Joseph's services and grateful for his dedication. He not only met but exceeded our expectations, making the experience seamless and satisfying. Joseph's expertise and commitment truly made a difference, and we highly recommend him for anyone seeking a dedicated and knowledgeable professional in the mortgage industry.