Through advanced analytics, Perch gives you personalized insights to manage your home investments, wherever you are in your real estate journey. When it comes to buying a home, getting a mortgage or financing your next real estate investment, it can feel pretty overwhelming. At Perch, our mission is to empower Canadians to make more informed decisions about their real estate to build wealth.
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Services We Offer
mortgages, mortgage renewals, mortgage refinancing
- Current Bank Mortgage Rates
- Mortgage Broker
- Mortgage Payment Calculator
- Mortgage Rates In Canada
|No. of Employees||No. of Locations||Year Founded|
Hours of Operation
|Sunday||Open 24 hours!|
|Monday||Open 24 hours!|
|Tuesday||Open 24 hours!|
|Wednesday||Open 24 hours!|
|Thursday||Open 24 hours!|
|Friday||Open 24 hours!|
Coupons & Specials
Lowest Fixed and Variable Mortgage Rates - Fixed 1.68% & Variable 1.07%
Frequently Asked Questions about Perch
Is Perch a mortgage broker?
Perch is the parent company of Mortgauge Brokerage. Mortgauge is a licensed mortgage brokerage and the exclusive mortgage partner for Perch clients. Mortgauge is licensed in Ontario as a brokerage and can pursue mortgages in other provinces through our broker network.
How are Perch rates lower?
Typically, when your mortgage closes an agent is paid a commission by the lender. So while you as a consumer don’t pay it directly, you indirectly are paying for that commission through higher mortgage rates. Perch uses technology and automation to reduce costs required to conduct business, enabling us to accept reduced commissions from the lender in order to provide you with a lower mortgage rate.
What is a Home Equity Line of Credit (HELOC)?
Some lenders will provide a HELOC along with their mortgage. HELOC’s are essentially like having a regular line of credit, but since it’s secured by your real estate you tend to get a better rate. Here’s an example of how your line of credit limit is determined. Let’s say you own a $500,000 home and the lender is willing to lend up to 65% of the property value ($325,000). However, you only need a $250,000 mortgage. You have the ability to get a $75,000 HELOC along with your mortgage.
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