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Real community data
Share your terms. Learn from homeowners across Canada.
Example rates and estimated yearly savings. Compared with 5.0% on an $800,000 mortgage over 25 years, with monthly payments. Before fees and penalties. Examples are not verified neighbourhood averages.
Share your mortgage rate and termsHelp your neighbours by sharing what your lender offered you.
See how your mortgage comparesFind out whether your rate is above or below comparable neighbour submissions, while keeping your identity anonymous.
ALOS helps you explore better mortgage rates and opportunities to reduce costs.
How does your mortgage rate or loan compare to others?
Review your terms with ALOS and see how they stack up against neighbours.
| user | Shared | Transaction | Province | City | Neighborhood | Amount | Offer 1 lender | Offer 1 rate | Offer 1 type | Offer 1 term | Offer 2 lender | Offer 2 rate | Offer 2 type | Offer 2 term | Offer 3 lender | Offer 3 rate | Offer 3 type | Offer 3 term | Existing rate | Existing type | Insurance | Current lender |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Today | Purchase | ON | Not shared | Neighborhood withheld | $675,000 | Scotiabank | 4.44% | Fixed | 2 | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Uninsured | Not shared | |
| Today | Renewal | BC | Not shared | Neighborhood withheld | $640,000 | TD | 4.75% | Fixed | 3 | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | TD | |
| Today | Not shared | Not shared | Not shared | Neighborhood withheld | $700,000 | CIBC | 4.39% | Fixed | 3 | RBC | 4.39% | Fixed | 3 | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | |
| 1 day ago | Renewal | ON | Not shared | Neighborhood withheld | $580,000 | BMO | 3.58% | Variable | 5 | BMO | 4.79% | Fixed | 5 | BMO | 4.54% | Fixed | 3 | Not shared | Not shared | Insured | Not shared | |
| 1 day ago | Renewal | Not shared | Not shared | Neighborhood withheld | $982,000 | TD | 4.54% | Fixed | 3 | TD | 4.75% | Fixed | 5 | TD | 3.55% | Variable | 5 | Not shared | Fixed | Not shared | TD | |
| 2 days ago | Renewal | BC | Not shared | Neighborhood withheld | $500,000 | Beem Credit Union | 3.99% | Fixed | 3 | Coast union | 4.04% | Fixed | 5 | TD | 3.49% | Variable | 5 | Not shared | Not shared | Insured | Not shared | |
| 2 days ago | Renewal | ON | Not shared | Neighborhood withheld | $574,000 | Scotiabank | 4.56% | Fixed | 1 | Scotiabank | 4.11% | Fixed | 2 | Scotiabank | 4.27% | Fixed | 3 | 5.50% | Fixed | Not shared | Not shared | |
| 2 days ago | Renewal | ON | Not shared | Neighborhood withheld | $450,000 | TD | 4.81% | Fixed | 3 | TD | 3.80% | Variable | 5 | Not shared | 4.44% | Fixed | 3 | Not shared | Not shared | Uninsured | Not shared | |
| 2 days ago | Renewal | BC | Not shared | Neighborhood withheld | $327,000 | Scotiabank | 4.21% | Fixed | 3 | Scotiabank | Not shared | Variable | 5 | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Scotiabank | |
| 3 days ago | Renewal | ON | Not shared | Neighborhood withheld | $850,000 | TD | 3.99% | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | 3.30% | Variable | Not shared | TD | |
| 3 days ago | Renewal | ON | Not shared | Neighborhood withheld | $285,000 | 3.40% | Variable | 5 | 4.29% | Fixed | 5 | 4.19% | Fixed | 3 | Not shared | Not shared | Uninsured | Not shared | ||||
| 3 days ago | Renewal | ON | Not shared | Neighborhood withheld | $700,000 | TD | 3.55% | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Uninsured | Not shared | |
| 4 days ago | Renewal | Not shared | Not shared | Neighborhood withheld | $450,000 | TD | 3.60% | Variable | 5 | TD | 3.69% | Variable | 5 | TD | 3.65% | Variable | 5 | Not shared | Not shared | Not shared | Not shared | |
| 4 days ago | Renewal | AB | Not shared | Neighborhood withheld | $272,000 | TD | 3.55% | Variable | 3 | TD | 3.59% | Variable | 5 | TD | 4.14% | Fixed | 3 | Not shared | Not shared | Insured | TD | |
| 5 days ago | Renewal | BC | Not shared | Neighborhood withheld | $397,000 | TD | 4.64% | Fixed | 3 | TD | 4.73% | Fixed | 2 | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | |
| 5 days ago | Purchase | ON | Not shared | Neighborhood withheld | $910,000 | CIBC | 3.50% | Variable | 5 | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | |
| 6 days ago | Renewal | BC | Not shared | Neighborhood withheld | $575,000 | Tangerine | 4.27% | Fixed | 3 | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | 2.54% | Not shared | Not shared | Tangerine | |
| 6 days ago | Renewal | ON | Not shared | Neighborhood withheld | $820,000 | RBC | 4.51% | Fixed | 3 | RBC | 4.61% | Fixed | 5 | RBC | 4.39% | Fixed | Not shared | Not shared | Not shared | Not shared | RBC | |
| 7 days ago | Purchase | Not shared | Not shared | Neighborhood withheld | $795,000 | Pine | 4.19% | Fixed | 4 | Pine | 4.10% | Fixed | 4 | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Uninsured | Pine | |
| 7 days ago | Renewal | BC | Not shared | Neighborhood withheld | $540,000 | Coast Capital | 4.04% | Fixed | 5 | TD | 3.50% | Variable | Not shared | Scotiabank | 3.50% | Variable | Not shared | Not shared | Not shared | Insured | Not shared | |
| 7 days ago | Renewal | ON | Not shared | Neighborhood withheld | $269,000 | Alterna Credit Union | 4.04% | Fixed | 3 | BMO | 4.04% | Fixed | 3 | Hana Bank | 3.99% | Not shared | Not shared | Not shared | Not shared | Not shared | RMG | |
| 7 days ago | Renewal | Not shared | Not shared | Neighborhood withheld | $775,000 | 2.90% | Fixed | 2 | 4.09% | Fixed | 3 | 3.56% | Variable | 5 | Not shared | Not shared | Uninsured | Not shared | ||||
| 8 days ago | Renewal | Not shared | Not shared | Neighborhood withheld | $325,000 | 4.06% | Fixed | 3 | 3.60% | Variable | 5 | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | |||
| 8 days ago | Renewal | Not shared | Not shared | Neighborhood withheld | $282,000 | Scotiabank | 4.38% | Fixed | 5 | Scotiabank | 3.98% | Fixed | 2 | Not shared | Not shared | Not shared | Not shared | 3.12% | Not shared | Uninsured | Scotiabank | |
| 9 days ago | Not shared | ON | Not shared | Neighborhood withheld | $387,000 | TD | 4.14% | Fixed | 3 | TD | 3.55% | Variable | 3 | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | |
| 9 days ago | Purchase | ON | Not shared | Neighborhood withheld | $722,400 | RBC | 4.64% | Fixed | 3 | Not shared | 3.85% | Variable | 5 | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | |
| 9 days ago | Renewal | Not shared | Not shared | Neighborhood withheld | $600,000 | RBC | 4.20% | Fixed | 3 | CIBC | 3.99% | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Variable | Uninsured | RBC | |
| 9 days ago | Renewal | ON | Not shared | Neighborhood withheld | $1,100,000 | RBC | 4.24% | Fixed | 3 | RBC | 3.82% | Variable | 5 | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Uninsured | Not shared | |
| 10 days ago | Renewal | ON | Not shared | Neighborhood withheld | $1,000,000 | TD | 4.19% | Fixed | 3 | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Uninsured | Not shared | |
| 10 days ago | Renewal | ON | Not shared | Neighborhood withheld | $176,000 | Scotiabank | 3.99% | Variable | 5 | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | 3.50% | Not shared | Uninsured | Scotiabank | |
| 10 days ago | Renewal | BC | Not shared | Neighborhood withheld | $580,000 | RBC | 4.64% | Not shared | 3 | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Uninsured | Not shared | |
| 10 days ago | Renewal | Not shared | Not shared | Neighborhood withheld | $1,150,000 | TD | 4.09% | Fixed | 3 | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Uninsured | Not shared | |
| 11 days ago | Renewal | Not shared | Not shared | Neighborhood withheld | $700,000 | Scotiabank | 3.86% | Fixed | 3 | Scotiabank | 4.10% | Fixed | 5 | Scotiabank | 3.46% | Variable | 5 | 5.10% | Not shared | Insured | Scotiabank | |
| 11 days ago | Renewal | AB | Not shared | Neighborhood withheld | $298,000 | Scotiabank | 4.23% | Fixed | 1 | Scotiabank | 3.63% | Fixed | 2 | Scotiabank | 3.74% | Fixed | 3 | 4.76% | Fixed | Uninsured | Scotiabank | |
| 11 days ago | Renewal | Not shared | Not shared | Neighborhood withheld | $540,000 | Scotiabank | 4.09% | Fixed | 5 | 3.99% | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Uninsured | Scotiabank | ||
| 11 days ago | Renewal | BC | Not shared | Neighborhood withheld | $844,000 | TD | 4.09% | Fixed | 2 | TD | 4.09% | Fixed | 3 | TD | 4.24% | Fixed | 4 | Not shared | Not shared | Not shared | Not shared | |
| 12 days ago | Renewal | ON | Not shared | Neighborhood withheld | $480,000 | TD | 3.79% | Variable | 5 | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | 3.25% | Variable | Uninsured | TD | |
| 12 days ago | Renewal | QC | Not shared | Neighborhood withheld | $300,000 | Merix / Lendwise | 3.40% | Variable | 5 | Merix / Lendwise | 3.99% | Fixed | 3 | Merix / Lendwise | 4.04% | Fixed | 5 | 3.20% | Variable | Insured | Merix / Lendwise | |
| 13 days ago | Renewal | ON | Not shared | Neighborhood withheld | $660,000 | Pine | 3.30% | Variable | 5 | CIBC | 3.95% | Fixed | 3 | 3.65% | Variable | 5 | Not shared | Not shared | Uninsured | Not shared | ||
| 13 days ago | Renewal | Not shared | Not shared | Neighborhood withheld | $870,000 | CIBC | 3.99% | Fixed | 3 | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Insured | Not shared | |
| 13 days ago | Renewal | ON | Not shared | Neighborhood withheld | $300,000 | TD | 4.09% | Fixed | 2 | TD | 4.09% | Fixed | 3 | TD | 4.24% | Fixed | 5 | 4.56% | Fixed | Not shared | TD | |
| 13 days ago | Renewal | ON | Not shared | Neighborhood withheld | $615,000 | TD | 3.69% | Variable | 5 | TD | 4.14% | Fixed | 3 | Not shared | Not shared | Not shared | Not shared | 5.90% | Fixed | Uninsured | TD | |
| 14 days ago | Renewal | Not shared | Not shared | Neighborhood withheld | $1,028,000 | TD | 3.35% | Variable | 3 | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | TD | |
| 14 days ago | Renewal | ON | Not shared | Neighborhood withheld | $555,000 | Scotiabank | 3.28% | Variable | 5 | Scotiabank | 3.62% | Fixed | 2 | Scotiabank | 3.73% | Fixed | 3 | Not shared | Not shared | Insured | Not shared | |
| 14 days ago | Renewal | Not shared | Not shared | Neighborhood withheld | $290,000 | TD | 4.14% | Fixed | 3 | TD | 3.69% | Variable | 5 | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Uninsured | Not shared | |
| 15 days ago | Renewal | QC | Not shared | Neighborhood withheld | $530,000 | BMO | 3.60% | Variable | 5 | Nesto | 3.51% | Variable | 5 | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | BMO | |
| 15 days ago | Renewal | ON | Not shared | Neighborhood withheld | $900,000 | TD | 4.14% | Fixed | 2 or 3 | TD | 3.69% | Variable | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | Not shared | TD |
Neighbour figures are anonymized community benchmarks shared with ALOS.
Give and receive: share your mortgage terms, then add your email to get your key to neighbourhood rates and insights.
Is your mortgage rate better than your neighbours’? Are they getting a better mortgage?
Don’t accept your mortgage rate blindly. Compare your terms with the ALOS community and find out if neighbours are getting a better deal.
Could your mortgage cost less? A rate 0.5 percentage points lower could reduce payments by about $225 a month on an $800,000 mortgage.Example: 5.0% vs 4.5%, 25-year amortization, monthly payments, before fees.
Is your mortgage rate competitive? Understand your current rate, terms and potential cost differences with ALOS.
Mortgage renewal coming up? Understand your current terms, renewal costs and potential financial scenarios.
Look beyond the interest rate. Analyze your mortgage fees, payments and total borrowing costs with ALOS.
Understand the financial factors that commonly influence mortgage qualification, including income, credit and property value.
Understand your home equity and explore illustrative refinancing and HELOC cost scenarios.
Understand mortgage rates, fees and terms so you can evaluate offers from licensed providers.
Share your mortgage terms, compare with neighbours, and unlock ALOS guidance to explore better mortgage options.
Every dollar in mortgage costs matters. With over 14 years of lending experience, our system helps you review your rate, fees and terms, compare them with neighbours, and uncover potential savings so you can decide whether to renew, switch or refinance with clearer numbers.
The value of learning together
Illustrative community perspectives, rates and savings. Savings use the same $800,000 mortgage and 5.0% comparison rate shown on the map.
“Thanks for sharing your rate. Seeing what others are offered gives me a better starting point.”
“It helps to learn from people going through the same mortgage decisions.”
“Understanding the terms helps me ask better questions before deciding.”
ALOS helps you understand how your mortgage compares with what neighbours and peers with similar borrowing profiles are getting. We help you see whether your rate and terms are competitive and identify potential opportunities to pay less.
Yes. Comparing your mortgage with ALOS is free, and you’re under no obligation to refinance or change lenders.
ALOS doesn’t charge for the comparison. If we identify a potential opportunity and you want to explore it, we can help you find suitable lenders. If you complete a mortgage through us, ALOS earns a fee based on the mortgage amount.
We mean borrowers in your area or with similar mortgage and financial circumstances. Location is part of the picture, but factors such as mortgage size, property value, term, and credit profile also matter when making a meaningful comparison.
The comparison is about understanding how your mortgage stacks up against relevant benchmarks for similar borrowers. It isn’t a lookup of a particular neighbour’s mortgage or personal financial information.
Yes. Your rate matters, but so do your mortgage term, repayment schedule, fees, prepayment options, and penalties. These details help you understand whether another mortgage could offer better overall value.
Start by sharing your current mortgage details or mortgage statement. These help us understand your existing rate, balance, and terms so we can assess how your mortgage compares.
We explain the potential opportunity. If you’re interested, we can help you explore suitable lenders and compare available offers. You decide whether to move forward.
No. You can use the comparison simply to understand where you stand. Exploring a new mortgage is entirely your choice.
No. We help identify potential opportunities, but available offers depend on your circumstances and the lender’s assessment. A lower benchmark rate doesn’t guarantee that you’ll qualify for the same rate.
Not always. A lower rate may come with penalties, fees, or different conditions. Those costs need to be weighed against the potential savings before you decide.
That’s valuable to know. The comparison can give you greater confidence in your current mortgage and help you prepare for your next renewal.
ALOS works for homeowners. Compare your mortgage with neighbours, understand potential savings, and explore your next steps.
See how your mortgage rate stacks up against neighbours, in real dollars, not just a vague score.
Rate models, fees, repayment schedule and total cost explained in plain language.
Renew, switch or refinance: what to ask for and what costs to check before you decide.
Neighbourhood benchmarks so you can see what others are getting.
Share your mortgage terms and compare with others, no subscription required.
Your identity stays hidden from other community users.
