50+
Lenders and lending partners
More choice than a single-bank conversation.
Your Mortgage. Our Focus.
Your next move. A clearer mortgage plan.
Compare your options, understand what you can afford, and choose a mortgage that fits your plans. Start with a conversation or an application when you are ready.
Built for Real-Life Timing
Start where you are ready
Ask a question, explore pre-qualification, or begin your application. We can help you choose the next step for your plans.
4 hours
Common approval-response window
When the file is prepared and the timing is right.
Windsor-based
Local responsiveness
Support grounded in the pace of your market.
Client-first
Mortgage strategy
Advice shaped around the decision, not just the product.
Mortgage Pathways
What is your next move?
Purchase Strategy
Home Purchase
Compare affordability, lenders and closing timelines before you make your next move.
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First Home
First-Time Buyers
Understand down payments, qualification and closing costs before making an offer.
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Renewal Strategy
Renewals
Compare your lender’s renewal offer with other options before you sign.
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Refinance Planning
Refinancing
Compare payments, fees and penalties against the goals you want to achieve.
Explore this pathwayEquity Strategy
Home Equity and Debt Consolidation
Explore equity access and debt consolidation with the full borrowing costs in view.
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New to Canada
New to Canada
Understand the documents, credit history and lender requirements behind your mortgage options.
Explore this pathwayMortgage Rates
Current mortgage rates
Compare posted rates and our best rates by term.
Updated November 1, 2026
Current Prime
4.45%
| Terms | Posted Rates | Our Best Rates |
|---|---|---|
| 6 Months | 7.25% | 6.49% |
| 1 Year | 7.24% | 5.04% |
| 2 Years | 6.59% | 4.24% |
| 3 Years | 6.44% | 4.24% |
| 4 Years | 6.34% | 4.29% |
| 5 Years | 7.04% | 4.39% |
| 7 Years | 7.20% | 4.54% |
| 10 Years | 7.69% | 4.99% |
| 5 Year Variable | Not posted | 3.45% |
Insured mortgage rates are subject to change. Conventional and refinance rates may be higher. Some rates may not be available in all provinces. Consult a local Mortgage Intelligence professional for more information. OAC. E&EO
Local Team, Real Advice
Local guidance from first question to closing
Talk through your options with a Windsor team that helps you prepare, compare lenders and keep track of the next step.
Why clients stay with ShopMortgages.ca
Know your options. Understand your next step.
Clarity
Advice that makes the next step easier to choose
Whether the question is purchase timing, renewal leverage, refinancing, or affordability, the goal is to remove confusion before it gets expensive.
Advocacy
Options that are actually shopped around your file
The end goal is not just an approval. It is a mortgage structure that still feels smart after the offer, the renewal, or the refinance closes.
Momentum
Fast communication when the timeline gets real
Offers, document deadlines, and renewal windows move quickly. The process should feel steady and informed, not reactive.
Meet the Team
Meet your local mortgage team
Mortgage Agent Level 2
Team Lead
Rasha Ingratta
Rasha supports mortgage planning and financing decisions as part of the ShopMortgages.ca team.
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Mortgage Agent Level 2
Mortgage Underwriter
Vanessa Field
Vanessa supports buyers and homeowners with mortgage preparation, planning and clear next steps.
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Mortgage Agent Level 2
Mortgage Fulfillment Specialist
Cassandra Attenborough
Cassandra supports mortgage fulfillment, documentation and file coordination at ShopMortgages.ca.
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Mortgage Agent Level 2
Client Care Coordinator
Catherine Semple
Your mortgage relationship doesn't stop at funding. Catherine works alongside our team to provide ongoing client care after closing, making sure you always have someone to turn to throughout the life of your mortgage.
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Office Administrator
Amanda Westfall
Amanda helps keep our office connected, ensuring calls, messages and client information reach the right member of our team. With her warm voice and caring nature, she helps make sure every client feels welcomed, heard and taken care of from the moment they connect with our office.
View profileInsights
Advice for your next mortgage decision
Credit and Qualification
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Home Buying Guides
Is Windsor Ontario A Good Place To Live?
If you're trying to decide where to build a life, grow a career, and actually enjoy day-to-day living in Canada, Windsor-Essex deserves a much…
Read insightReady when you are
Let’s plan your next move
Start the conversation
How can we help with your mortgage?
Tell us what you are planning or ask a question. The team will help you work out your next step.