Rate-hold watchdog

Holding a mortgage rate while you shop or wait to close? Or deciding on a GIC, or what to do when yours matures? Save it here. Each time you visit, you'll see how many days you have left and whether any lender now advertises a better rate.

Your held rate%

Rate type

3-year fixed5-year variable5-year fixed

Lender

Hold ends onHolds usually last 90 to 120 days. Your lender's paperwork shows the date.

I'm putting down less than 20% (compare insured rates too)

How it works

• Your hold is saved only in this browser, on this device. Nothing is sent to this site or anyone else, and there's no sign-up. Clearing your browser's data removes it.
• Each visit compares your rate with the rates lenders advertise today, for the same rate type or GIC term. The main page shows the same reminder at the top while your hold is saved.
• If rates drop before you close, ask your lender to give you the lower rate: many will. Switching lenders late can mean a new application and approval, so ask before you decide.
• Advertised rates are a guide. The rate you're offered depends on your situation, so confirm with the lender.