The posted rate is the starting point — not the answer.
Tai shops 50+ banks and lenders so you never settle for the sticker price. Compare posted rates against the rates Tai can actually secure — advice costs you nothing.
| Term | Posted Rate | Tai's Rate* |
|---|---|---|
| 6 Months | 7.89% | 7.49% |
| 1 Year | 6.15% | 5.24% |
| 2 Years | 5.44% | 4.79% |
| 3 YearsPopular | 4.62% | 4.14% |
| 4 Years | 6.01% | 4.34% |
| 5 YearsBest Value | 4.56% | 4.19% |
| 7 Years | 6.41% | 5.19% |
| 10 Years | 6.81% | 5.29% |
| Variable | — | 4.55% |
*Rates subject to change without notice and conditions may apply. The rate you qualify for depends on your down payment, credit profile, property, and term. O.A.C.
Lock In My RateSame mortgage. Better number.
Posted vs. real
Posted rates are the bank's sticker price. With 50+ lenders competing for your file, the rate Tai secures is typically well below posted — often by a full point or more.
Held for 120 days
A pre-approval can hold today's rate for up to 120 days while you shop. If rates rise, you're protected; if they fall, you take the lower one.
$0 for advice
On most residential mortgages the lender pays the broker, not you. You get the lower rate, the strategy, and the paperwork handled — at no cost.
Rates move. Your rate doesn't have to.
Get pre-approved today and hold the current rate for up to 120 days — free, with no obligation and no credit-score surprises.
Understanding your rate.
Posted rates are a bank's sticker price. Brokers negotiate volume-discounted rates across 50+ lenders who compete for your mortgage, which typically lands well below posted. The bank still gets your business — you just don't pay the markup.
For most residential mortgages, broker advice costs you nothing — the lender pays the broker on closing. You get the lower rate and the guidance for free.
Rates are reviewed and updated regularly as lender pricing changes. The exact rate you qualify for depends on your down payment, credit, and property — reach out for a personalized quote.
It depends on your risk comfort and timeline. Fixed gives certainty; variable historically wins more often but moves with prime. Tai will walk you through both against your actual plans, not a headline.
Yes — a pre-approval can typically hold a rate for up to 120 days, protecting you if rates rise while you shop. If rates drop before closing, you get the lower rate.
Want the exact rate you qualify for?
Five minutes with Tai beats an hour of rate-site scrolling. No credit check to start, no pressure, no cost.