1-year Fixed Rate:

Rate based on a $300,000 mortgage and 25-year amortization. Change

In Brief

A fantastic rate that's supported by intelliMortgage's renowned client service team. See more rate details below. Then click to apply now.

More Info

Legal fees apply when switching to this lender. Default insurance is required.

Key Details

Lender Type
Contract Rate
Closing Deadline
February 24, 2021 (120 days)
Equity Required
At least 35%
Minimum Mortgage
$300,000.00 (for rate shown); $150,000 (minimum*)
Maximum Mortgage
$1,000,000.00 (Conventional); $950,000.00 (Insured)
Lump-Sum Prepayment Option
15% per year
more details


Time to Port
30 day(s)
Collateral Charge
Discount Penalty
Increase Without Penalty
Available on Switches/Refinances
Blend & Extend
Payment Increase Option
15% per year
Fixed Payment
Line of Credit Available
Term Type
Permitted Amoritzations
10 to 25 years
Online Access
Double-Up Payments
Rate ID
more features

Compare Interest Savings

Enter Competing Rate (%)
Amortization (years)
intelliMortgage Savings *
Monthly Payment

*(Rate based on $300,000 mortgage.*) Change

What Our Clients Say

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Martin Vincent
Martin Vincent

5 out of 5 stars

posted 1 month ago

I have used intelliMortgage for my first mortgage, it is a great product and I highly recommend it. Nothing comes close.

Who is it best suited to?
This is a product for you if you have a basic idea of how mortgages work and the different options to choose from. The reason is you need to be able to know what you want to some extent to know what works best for you. Remember you can always just google a phrase to learn more...
You don't need to be an expert, the team will help you along the way if you have questions.

With that out of the way, I would say this system is the best for several reasons:

-The system is transparent, you see the rate everyone else sees.
You can check it anytime of the day, there's no pressure to sign up before you 'get the rate' or any other gimmicks I have observed in other systems.

-The rates are very competitive.
I like to shop around, nothing could beat it. (although they do offer a rate guarantee for the unlikely case that it actually does).

-The rate you are quoted automatically by the site is very accurate
Almost every other system with competitive rates out there quotes incorrectly (erring to their advantage, till you actually get a real quote which ends up higher).
In comparison another websites showed me incorrectly lower rates for high ratio mortgages even when you give them the details that clearly specify its a normal mortgage.
To be clear, my mortgage was closed up at the end with the exact terms we agreed to in the process, no switch or surprises at the end or anything like that.

-The staff try their best to help
You don't need to be an expert, once you see a rate and terms you like and want to proceed, then you get assigned to a rep.
I got Amanda, she is busy but also very helpful and tries her best to get back to you. They put in the extra effort to catch up to communication should their day get busy. I am happy to have worked with Amanda and had my mortgage close at a really good rate and well on time with ZERO problems.

-Again, great rates...
I cannot emphasize enough that they have great rates and the best value out there. Their system is very efficient so that it allows less overheads and they share the savings back to us, either we great rates, cashback from the excess savings they incur or both :)

-Large pool of lenders
Unlike the usual brokers, they have access to 50+? lenders to get you the best rate, I'm guessing but pretty much they will have access to a lender that any other broker would because of their volume of business.

-No sales pressure and follow ups sales calls
I highly recommend you give them a try, remember there is no commitment and you are not going to get hounded if you change your mind.
I would say, shop around to test the comments I have put above but do start with them.

In the end I got the terms I was promised, received the cashback exactly as I expected.
It was a pleasant experience and I will be going back to them to renew once my term is up without a doubt.

Hope that was helpful.

Max Leonov
Max Leonov

5 out of 5 stars

posted 3 weeks ago

Recently closed a mortgage through them. It was so easy and everything was done via their IM platform. The agent Amanda was the best agent and couldn’t ask for anybody better. She is professional, knowledgeable, personable, happy to help and most of all always responded promptly to our questions.
The process was done remotely and all the required documents were uploaded onto their secure platform. Any documents requiring signatures could be E-signed and the process was quick and efficient; very suitable during this unprecedented time.
Although it is an online self serve platform, you could talk to agents and have your questions addressed.
Would definitely recommend them to anybody that is looking to get the best rates, professional, honest, and efficient services

Christian Pawlik
Christian Pawlik

5 out of 5 stars

posted 1 month ago

A company's service quality stands and falls with their employees. We are working on our mortgage with AMANDA. We are just thrilled, how well she takes care of us. Her responsiveness is next to none. Her efforts to get you the information required to make an educated decision are unmatched. Her proactiveness should be standard for all agents. We are very happy customers. Thank you Amanda.

Cameo Ellis
Cameo Ellis

5 out of 5 stars

posted 3 weeks ago

Very seldom do I write reviews, but for anyone in search of a mortgage/refinance, and ends up going through intelliMortgage, please request to work with Amanda To! She is nothing short of AMAZING and has made this such a smooth process for me from beginning to end. I can't thank her enough and I will surely be recommending her to my colleagues. Reading past reviews, I see that others share the same sentiments and I now see why. intelliMortgage is lucky to have someone like her on their team!

1-year Fixed Rate:

Secure your true best rate today.

* Rate savings is based on the interest cost difference over the term, compared to the competitor's rate. Rates shown are based on approved credit, may include cash back and are subject to change without notice. E&OE. Other conditions may apply.