Licensed brokers across Canada
Find the right mortgage or life insurance, without the runaround
Tell us what you need once. We match you with a licensed broker or advisor in your province who compares your options. It is free and there is no obligation.
- Free for you
- No obligation
- Takes about 2 minutes
- Licensed professionals
How your match works
1.Tell us what you need
A short form. No account, no credit check.
2.We match you
A licensed professional in your province.
3.Compare your options
Talk it through and decide in your own time.
What we help with
What do you need help with?
Pick a topic to learn the basics, or go straight to a free quote.
Mortgage
Buying, renewing, refinancing or tapping your equity. A broker compares banks, credit unions and other lenders for you.
Explore mortgagesLife Insurance
Protect the people who depend on you. An advisor compares term, whole and universal life from Canadian insurers.
Explore life insuranceAuto Insurance
Compare auto insurance rates from multiple Canadian providers. Save more, drive safe.
Explore auto insuranceHealth Insurance
Make sense of extended health, dental and travel coverage with help from licensed local advisors.
Explore health insuranceHow it works
From first click to the right answer
We keep it simple, and you stay in control at every step.
- 1
Tell us what you need
Answer a few questions about your mortgage or coverage. It takes about two minutes.
- 2
Get matched
We connect you with a licensed broker or advisor who works in your province.
- 3
Talk it through
They call to understand your goals, explain your options and answer your questions.
- 4
Decide when ready
Compare, take your time and only move forward if it is right for you.
Asking for a quote is not an application and does not commit you to anything. You can ask a broker to stop contacting you at any time.
Why use a broker
Shop the market, not just one bank
More choice than one bank
A bank can only offer its own products. A broker compares many lenders or insurers side by side.
Advice that works for you
Licensed brokers must recommend what is suitable for you, and they explain how they are paid.
Less time and legwork
One conversation replaces a week of calls, forms and comparing offers on your own.
Try it yourself
Get a feel for the numbers
Two quick tools to help you plan before you speak to anyone.
Mortgage payment estimator
Quick numbers for planning. A broker will confirm real rates and limits.
20.0% of the price. Minimum for this price: $40,000.
Enter the rate you were quoted or expect.
Estimated monthly payment
$2,878
- Mortgage amount
- $520,000
- Total interest over 25 years
- $343,418
Estimate only. Uses monthly payments and semi-annual compounding, as for Canadian fixed rate mortgages. Does not include property tax, heating or condo fees. Insurance premiums and limits can change.
Compare real ratesGood to know
Know before you start
Plain-language answers to the things people ask most.
Down payment rules
The minimum depends on the price: 5% of the first $500,000, 10% of the rest up to $1.5 million, and 20% above that.
Mortgage rulesMortgage default insurance
Put down less than 20% and your mortgage must be insured. The premium is usually added to your mortgage.
How it worksThe stress test
Lenders check you can afford payments at a higher rate than yours. It affects how much you can borrow.
Learn moreRenewal is a chance to save
Start about 120 days before your term ends and compare offers instead of signing the first letter.
Renewal timelineTerm or permanent?
Term costs less and covers a set period. Permanent costs more and covers you for life.
Compare typesPayouts are generally tax-free
A life insurance death benefit is generally paid tax-free to the beneficiary you name.
Life insurance FAQAbout RiteFinance
Free for you. Here is how that works.
RiteFinance is a matching service. Licensed brokers and advisors pay us to be introduced to people who asked for help. You pay us nothing, and we do not sell your information to the public.
We only work with professionals who hold the licence their province requires, and we keep the process simple, so you can get clear answers without pressure.
More about usFree to you
No fees to use RiteFinance.
Licensed only
Provincially licensed professionals.
Privacy first
Handled under Canadian privacy law.
You are in control
No pressure. Say no any time.
Questions
Frequently asked questions
Is RiteFinance free to use?
Yes. You never pay us. Brokers and advisors pay us to be introduced to people who asked for help, so there is no cost or obligation to you.
Who will contact me after I submit a request?
A licensed mortgage broker or life insurance advisor matched to your request and province. They contact you using the details you gave. If you would rather not continue, tell them and they should stop.
Do I have to buy anything?
No. A quote is information, not a commitment. You can compare, ask questions and walk away.
What happens to my information?
We share it with the licensed professional matched to your request and with service providers who help us run the site, as explained in our Privacy Policy. We do not sell your personal information to the public.
Will asking for a quote affect my credit score?
Requesting a quote through RiteFinance does not involve a credit check. Later, a broker or lender may ask your permission to check your credit when you apply, and that check can appear on your credit report.
Which provinces do you cover?
We aim to match people across Canada. Availability depends on licensed brokers and advisors in your province, so some areas may take longer.
Ready to compare your options?
Start a free quote. It takes about two minutes and there is no obligation.