Mortgage rates in Hamilton can change swiftly—lock yours for up to 120 days (varies by lender). Whether you’re buying, renewing, or refinancing, we’ll secure a competitive rate and give you expert advice for your next move. Don’t wait—start saving now!
Best Mortgage Rates in Hamilton
5-Year Fixed*
0
%
5-Year Variable*
0
%
(Most Banks’ Prime Rate: 6.95%)
Shop 65+ lenders in one place. Save time and money today!
*Rates shown are for informational purposes only and are subject to change without notice. Please contact Genesis Group for the most up-to-date rates and terms.
Genesis Group is not liable for any discrepancies or inaccuracies in the displayed rates.
Rates last updated:
Compare the Best Mortgage Rates in Hamilton
| Mortgage Term | Rates From | Payments | |
|---|---|---|---|
| 6 Month Fixed | 2.99% | $2,368/mo | |
|
Rate Range: 2.99% - 5.50% |
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| 1 Year Fixed | 5.79% | $3,157/mo | |
|
Rate Range: 5.79% |
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| 2 Year Fixed | 4.84% | $2,876/mo | |
|
Rate Range: 4.84% |
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| 3 Year Fixed | 3.99% | $2,627/mo | |
|
Rate Range: 3.99% |
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| 4 Year Fixed | 4.59% | $2,804/mo | |
|
Rate Range: 4.59% |
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| 5 Year Fixed MOST POPULAR | 3.99% | $2,627/mo | |
|
Rate Range: 3.99% |
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| 5 Year Open | 4.95% | $2,908/mo | |
|
Rate Range: 4.95% |
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| 5 Year Variable | 4.45% | $2,736/mo | |
|
Rate Range: 4.45% |
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*Disclaimer: If you don’t meet the requirements for our lowest advertised rates, don’t worry—Genesis Group has a wide range of competitive mortgage options to suit your needs! The rates displayed above represent realistic options if the outlined criteria aren’t fully met. Factors such as your credit score, down payment amount, and property details may impact your final rate. We’re dedicated to finding the best-possible solution for your unique situation.
Additional fees or premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending options.
Unlock Your Lowest Rate in Hamilton Today – Guaranteed
With Genesis Group, you can secure a fantastic mortgage rate fast. Why pay more than you must? We’ll help you keep as much money in your pocket as possible.
Mortgage Rates Hamilton – The Genesis Group
Find the Best Mortgage Rates in Hamilton with Genesis Group
Getting a great mortgage rate in Hamilton can mean real savings. Our award-winning Genesis Group team has over 12 years of experience helping people do just that. Many of our clients save more than $3,000—and some save as much as $15,000, depending on their situation.
Thanks to our large volume of business, we can negotiate special rate discounts, even if you like your current bank. Our rates often run about 0.20% lower than big banks or other competitors.
Why Choose Genesis Group?
Whether you’re a first-time buyer, an investor, or looking to refinance or renew, our team provides:
- 65+ Lenders in one easy spot.
- Customized solutions to meet your goals.
- Knowledgeable brokers to guide you step by step.
Complex Mortgage Needs? We’ve Got You Covered
If your needs don’t fit the traditional big-bank path, we can offer short-term or flexible mortgage options. Maybe you need to consolidate debt, tap into your equity, or manage a unique financial twist—Genesis Group will help you find a simpler solution.
What Impacts Your Mortgage Rate?
Your mortgage rate depends on several factors, including:
- Your down payment percentage compared to the overall mortgage size.
- Your credit score and financial history.
- Your purchase timeline and loan type.
We’re here to simplify the process. Our expert agents will explain the details, answer your questions, and help you make informed decisions to save thousands over the life of your mortgage.
Talk to Us Today
At Genesis Group, we measure success by how much money you can save. Chat with us by phone, in person, or online, and let us guide you to the best mortgage rates in Hamilton.
Your Path to Financial Freedom Starts Here.
Securing Your Best Rate Is Our Mission
Your Key to the Best Mortgage Rates? Genesis Group’s Expert Brokers.
At Genesis Group, our award-winning brokers are highly trained professionals with access to a wide range of mortgage products tailored to fit your unique needs. We understand how crucial it is to secure the right mortgage—on time, stress-free, and at the most competitive rate.
Got a complex situation? No problem. Our team simplifies even the most intricate details, guiding you every step of the way with personalized service that puts you first.
Experience unparalleled 5-star service today. Whether it’s your first mortgage or a refinance, we’re here to build a savings relationship you can count on for years to come.
Start your journey today—apply online, give us a call, or meet us in person. Need a broker who speaks your language or prefers a Mobile Agent to meet you where you are? Explore our directory to find your perfect match.
Ontario’s Housing Market: Navigating Challenges & Opportunities with Genesis Group
Hamilton, known for its mix of city vibes and natural beauty, is one of Ontario’s key housing spots. But with rising prices and ongoing demand, finding the right mortgage rate matters more than ever.
In October 2024, Ontario’s housing market saw a 34% jump in sales over last year and a 14% gain from the month before. Hamilton itself saw a 5.1% increase in prices, showing just how strong demand remains. Although overall sales remain about 12% below the 10-year average, new listings were up 3.1% year-over-year—a boost, but not enough to balance the market. Inventory dropped to 3.1 months from 3.9 in September.
Housing Affordability Still a Problem
While Hamilton is a bit cheaper than Toronto, it’s still one of Ontario’s priciest markets.
- The average home price rose 3.1% year-over-year to $887,259 across Ontario, though Hamilton’s jump was about +5.1%.
- Some areas see even higher spikes, making it tough for first-time buyers.
What’s Next for Hamilton’s Housing?
With interest rates possibly declining into 2025, homeownership could become more affordable. But many folks face mortgage renewals soon, which may stir the market even more—especially around Spring 2025.
At Genesis Group, we get Hamilton’s unique housing scene. Whether you’re a newbie or an experienced homeowner, we’ll help you find a mortgage that fits your situation.
Source: Sagen Housing Market Updates
Genesis Group: Your Trusted Partner in Hamilton’s Competitive Housing Landscape.
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