Compare Canada’s best mortgage rates.Then find out if the lowest rate is actually your cheapest mortgage.
43+ lenders. Every province. Updated daily. Plus the one thing rate comparison sites won’t show you: your true cost of credit.
Our Mission
To help Canadians get the best mortgage rate—and then go further by actively managing their true cost of credit.
Our Vision
A future where Canadians never overpay their bank by default—because they understand that the lowest rate and the cheapest mortgage aren’t always the same thing.
Who We Are
Mortgages Lab® is a licensed Canadian Mortgage Broker that compares rates from 43+ lenders—then goes further by helping you reduce your total cost of credit, not just your interest rate.
Canada-Wide
Serving clients across Canada
Active Management
Not passive banking autopilot
Cost Reduction
Minimize your cost of credit
Why We Exist
The Problem
Rates matter—but the lowest rate isn’t always the cheapest mortgage. Restrictions, penalties, compounding structures, and hidden fees can cost you tens of thousands more than a slightly higher rate with better terms.
The Solution
We start with the best rate—then go deeper. We optimize your total cost of credit so you minimize what you actually pay the bank over the life of your mortgage.
How We Work
Compare the Best Rates
We search 43+ lenders to find you the most competitive rate for your situation.
Reveal Your True Cost
We calculate your total cost of credit—not just the rate—so you see what the mortgage actually costs.
Build Your MAP™
Your Mortgage Analysis Plan: the strategy to pay less interest over the life of your mortgage.
Execute & Adjust
We guide you through implementation and adjust the plan as rates and life change.
Why Clients Trust Us
Camilo Rodriguez
Founder & Mortgage Expert
P.A.Y.O.F.F™, L.A.B™, M.A.P™ are Trademarks of Mortgages Lab®
From Debt to Zero
By Camilo Rodriguez
The bank's business is to create mortgages. The purpose of this book is to help you erase them.
Get the Book