Lower is Canada’s premium mortgage broker offering every type of mortgage in any location across the country.
We’ll check 40+ lenders and 10,000 products in the market.
Speak with your trusted Lower advisors anytime.
Lower advisors will do all the application admin.
Whether it’s your first home or you’re looking to invest in a property, we make sure your rate is great.
Refinancing with Lower can get you a better rate than your previous lender and save you 1000’s.
When you check rates with Lower we don’t charge, check your credit, or make you sign anything.
Your credit is important, so we don’t do any hard pulls until you are absolutely ready.
Connect with top mortgage specialists anytime, anywhere with our all-online process.
Our super low rates mean cheaper payments, whether you’re buying or refinancing.
Have a different question? Contact us today.
The minimum amount you can have for a down payment is 5% of the purchase price if you are buying your first home. If you are buying a home as an investment, we suggest putting down a minimum of 20%.
You can get the best mortgage rate by applying online with Lower and letting our experience mortgage experts match you with the best deal.
You should refinance your mortgage when rates are low, when you’re looking to lower your monthly mortgage payments, or when your current mortgage contract is coming to an end.
Rated 4.9 / 5 on Google, Facebook, Trustpilot, Comparewise and others.
Buying a home for your family is so important. Ammar made us feel comfortable with at ease with this process. He took his time to understand our needs but was very quick with the process.
I bought my first home a few years back and used @lowerdotca. It was a great experience so I called them when I was ready to purchase my second house. Ammar and his team go above and beyond.
We had a great experience with Ammar and his team. He explained us all of our options without us feeling the pressure or rushed. I highly recommend.
I was extremely nervous being a first time home buyer in Toronto. With prices skyrocketing I wasn't sure this was the right move but after speaking to Ammar, he made me feel confident.
Ammar went above and beyond our expectations, answering all of our questions and securing us an even better rate that we'd hoped for! The entire process was very smooth and we will be recommending his mortgage services.
I was working with a broker before and it was a nightmare. Thank goodness I found Ammar. He was always quick to respond to help us. We will definitely be using Ammar when it’s time to renew our home.
I was anxious being a first-time home buyer in the Toronto market. Ammar was referred to me by a friend of the family and he definitely made the process much easier to work through!
We really appreciated Damien’s patience and compassion through this entire process. We are very happy with our rate and how easy he made our experience.
Ammar was amazing to work with from start to finish. Found us such an excellent rate. He went above and beyond for us.
@lowerdotca helped me with my purchase of my third business property. He found us the best rates. I would recommend Shawn if you need to speak to anyone.
My family member recommend @lowerdotca and to speak to Ammar. He doesn't disappoint. I was very satisfied with his service.
My previous mortgage broker retired so I had to find a new one. When I contacted Lower. The whole team is amazing. I was impressed right off the bat. Very professional.
@lowerdotca was recommended to me by a fellow business owner who used their services to refinance their property. I found Ammar to be knowledgeable and efficient in helping us to reduce our rate and liquidate the capital we needed to expand our business.
So glad I found Damien and Lower. The last time I had to renew my mortgage was a headache. Damine is familar with the challenges of applying as a self-employed individual and got our re-financing done without any trouble.
Lower gave us confidence in our purchase. I won’t even hesitate calling because they are just that great! Very easy to understand and work with.
I've worked with Lower many times. I highly recommend them to my clients who are in need. They work hard to get the best rates.
I was referred to Damien because I wanted to purchase the building my business is in when my landlord decided to sell. We went over all of my options and I ended up not only managing to purchase the building but also get extra funds to
Very reliable team. They are straight forward which I liked. They are honest but they also work very hard to find the best rates for you.
I had the pleasure of speaking to Shawn about a few things. Including purchasing property for my business and we got approved very quick. I will be using his services for my business in the future.
I used @lowerdotca to help with the purchase of my second investment property. Damien made the process quick and straightforward, which I appreciated as I have a hectic schedule.
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