Why Unposted exists

Posted mortgage rates are theatre. Banks advertise one number and almost everyone signs for something lower, but that lower number is hard to see, so most people have no way to tell whether their own offer is any good. Unposted exists to close that gap: we show what Canadians are actually getting on their mortgages, so you can judge your own rate against real offers rather than a sticker price.

Where the numbers come from

Our benchmarks are built from rates borrowers publicly report getting, on forums and communities where people share their deals, and are anchored against the Bank of Canada's published market data. People who post their rates skew toward engaged shoppers, so we call these achievable rates, what a motivated borrower can realistically sign for, not a market average. Every figure on the site carries its sample size and as-of date, and the methodology page explains exactly how it is computed.

How we make money

The rate benchmark is free and always will be. If you ask us to, we can connect you with one or more licensed mortgage brokers who may be able to beat your rate, and we may be paid a referral fee by that broker or a partner service. That is our only revenue. It never changes the number we show you, and you are under no obligation to anyone. We built Unposted so you can shop your rate around with real information in hand; comparing a broker's offer against your current one is exactly the point.

Not advice

Unposted is an information tool, not a mortgage broker, lender, or financial advisor. Nothing here is a mortgage offer or personalized financial advice. Rates change constantly and your own rate depends on details only a licensed professional can assess.

Questions? Reach us at hello@unposted.ca. See also our privacy policy and terms of use.