Unrate.ca empowers Canadians to make smarter mortgage decisions by delivering transparent, unbiased rate comparisons and expert guidance—without the fine print, pressure, or pointless jargon.

We’ll never sell you something we wouldn’t take ourselves

At Unrate, we believe that getting a mortgage shouldn’t feel like decoding a bank brochure or playing poker with a lender. We’re here to change that.

White abstract geometric artwork from Dresden, Germany

Unrate is a Tridac mortgage team.

When you work with Unrate, you’re not just getting smart tools—you’re backed by a team of licensed mortgage agents under the leadership of Principal Broker Chris Molder, one of Toronto’s most respected names in independent mortgage advice.

Meet our team

When you work with Unrate, you’re not just getting smart tools—you’re backed by a team of licensed mortgage agents.

Chris Molder

Principal Broker

Lic# M08010066

Kris Bruynson

Mortgage Agent Level 1

Lic# M24002437

We’ve worked with some of the best lenders.