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  • 6 Month Fixed 5.49%
  • 1 Year Fixed 5.19%
  • 2 Year Fixed 4.69%
  • 3 Year Fixed 4.29%
  • 4 Year Fixed 4.19%
  • 5 Year Fixed 3.99%
  • 5 Year Variable 4.45%
  • 5 Year Open 5.95%

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Last Updated: Nov 11, 2026
Most Popular

5 Year Fixed From

3.99%

Mortgage TermRates FromPayments

*Payments estimated on $500,000 over a 25-year amortization. Today's rates could not be loaded. The rates above are samples for illustration only.

Monest at a glance

founded, headquartered in Toronto
2001
licensed professionals
~200
partner financial institutions
60+
Ontario FSRA brokerage licence
#12289

How it works

Four steps, with an advisor at every one.

  1. Fill in the form

    About 2 minutes, just the basics.

  2. Verify your email

    Enter the 6-digit code we email you and we set up your account automatically.

  3. An agent contacts you

    Within one business day, to go over your needs.

  4. Track your progress

    Log in to the client portal to follow every step.

Mortgage calculator

Payment Plan

Optional. Fill in the purchase price and down payment and the mortgage amount is worked out for you.

Amortization Period:
Prepayment Plan

Mortgage Amount is the purchase price minus the down payment, plus any mortgage loan insurance premium. The amortization period is not the same as the term. All calculations are examples only and do not replace professional advice.

About Monest

Monest Financial Group (华旗金融) is headquartered in Toronto, with operations across the Greater Toronto Area, Vancouver, Montreal, Edmonton and beyond. Nearly 200 licensed professionals provide clients with full, end-to-end service.

Founded in 2001, Monest is a member of the Canadian Institute of Mortgage Brokers and Lenders (CIMBL) and the Independent Mortgage Brokers Association of Ontario (IMBA). For 15 consecutive years, Monest has ranked No. 1 in Canada with Centum Mortgage, one of Canada's largest mortgage organizations.

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Our mission

The best mortgage rates you can trust.

Trust

Honest advice, no hidden costs.

Best rates

We shop the market for you.

Service

A real agent, start to finish.

See how we make it easy.

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Case study

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  1. First-time buyer, 10% down

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    Result: Sample result text goes here.

  2. Renewal with a rate drop

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Location

810-200 Consumers Rd.North York, ON M2J 4R4

Daily, 9:00 am – 5:50 pm

+1 416-855-4565

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