60s
Live, not stale.
Our pricing engine pings 40 lenders on a 60-second cadence. The rate you see is the rate they’ll honour for the next 24 hours.
LIVE 09:14:33 ET5Y FIXED 4.74% −0.055Y VARIABLE 5.10% —3Y FIXED 4.89% −0.10BoC 4.25% —HELOC 6.45% +0.05QUAL RATE 6.74% —
Live rate hunt · 40 lenders, every 60 secondsWe hunt
We hunt
better rates
in real time.
Northstar pulls live pricing from 40+ Canadian lenders on a 60-second cycle. The board above isn’t a screenshot — it refreshes while you read this. Pre-approval in three days, written guarantee on the rate hold.
$3.1B
Funded since 2018
60s
Rate refresh cycle
0.42%
Avg savings vs posted
● Live · 09:14:33
Best 5-yr fixed↓ 0.05
4.74%
RBC 4.94
BMO 4.89
MCAP 4.74
TD 4.99
FNF 4.79
CWB 4.84
Refreshed 60s ago
The board.
Eight best in show.
LenderProductRate24hMark
MCAP5-yr fixed4.74%-0.05BEST
First National5-yr fixed4.79%-0.05
Scotiabank5-yr fixed4.84%—
TD5-yr fixed4.99%+0.05
MCAP5-yr variable5.05%—BEST
RBC5-yr variable5.20%—
Equitable3-yr fixed4.89%-0.10BEST
BMO3-yr fixed4.94%-0.05
On the floor · live
42 lenders.
One trading floor.
Our desk monitors wholesale rate sheets, capital allocations, and lender appetites in real time. When the best rate moves, your file does too — without a phone call, without a refresh.
Trading desk · 24/5
Wholesale rate-watch since 09:14 UTC
Lenders monitored
42
Rate updates / day
164
Median rate-lock
11 min
Bps below MCAP avg
−18
▸ Run the scan
Pick a term.
See the lowest hit.
No credit pull, no email gate, no follow-up sequence. Drop in a term + structure; we’ll show you which of our 40 lenders is bidding the best price right now.
Lock my rate · 90 seconds
Run the numbers. We'll find the rate.
Eight short questions, no soft-credit pull. We score your file against 40+ lenders' real-time wholesale rates and surface the top 3. You see the math, lender-by-lender.
- Soft-prequal — no credit ding, no hold time
- Live wholesale rates from our lender network
- Rate-hold guarantee on the lender you pick
Step 1 of 813%
Get started
What are you looking to do?
Tell us why you're exploring a mortgage — we'll tailor the rest to your situation.
We don't run a credit check. Nothing is shared with any lender unless you ask us to connect you.
▸ Edges
Four edges banks don’t price
because they don’t need to.
0bp
No spread games.
We disclose our compensation per lender in writing before you sign. No hidden margin, no double-dipping the spread.
3 days
Median pre-approval.
Submit on a Monday, pre-approval letter Wednesday. We staff the underwriting desk Saturdays during peak season.
120 days
Real rate hold.
Most banks hold 90 days. We hold 120 — and if rates drop in window, we’ll re-quote you to the lower number, no application required.
Senior rate analyst
Diego Marin · 11 yrs at MCAP
▸ The rate-hunt method
How we shave
0.42% off posted.
- 01
Continuous price ingest
Forty lender feeds normalized into one rate engine. Discount tiers, broker-only specials, and bonus-cycle promos all surface live.
- 02
Borrower-grade matching
Your file is matched only to the lenders that actually price your tier — no wasted submissions, no soft pulls disguised as quotes.
- 03
Auto re-quote in window
If rates drop while your file is in process, we re-quote you to the lower number — no new application, no surprise fees.
▸ Side-by-side
The Northstar way
vs the bank way.
The Northstar way
What you get
Going to the bank
What you settle for
+Live pricing across 40 lenders
—One lender, posted rate
+60-second refresh, every business day
—Friday afternoon update, sometimes
+Auto re-quote if rates drop in window
—Rate locked at offer, no recourse
+Compensation disclosed per lender, in writing
—Embedded in spread, never quantified
+120-day rate hold standard
—90-day rate hold maximum
+Saturday underwriting during peak season
—Mon–Fri 9–5, branch hours
Submit at noon.
Pre-approved by Friday.
Median is three calendar days. Self-employed and complex files closer to seven. Either way you get the rate live, the comparison written, and the lock-in honoured.
