Our mission is to bring intelligence to every mortgage decision.

Built for Canada • Verified by AI

Vancouver Leafy Residential Street

The mortgage market is unnecessarily murky. At Ratellow, we’re building the research platform that changes how you approach your most important financial decisions.

We value design — especially in the high-stakes moments where clarity matters most. Our work is to make renewals and purchases feel less like guesswork and more like a clear path forward.

Good financial tools should be accessible and genuinely well-crafted. If you think homeownership deserves a sharper way to navigate it, we’re building it for you.

How we research

Every guide, FAQ, and briefing on Ratellow is produced by the Ratellow Research Team — an institutional research desk that publishes under a single byline, the same way bank and rating-agency research desks do. We don't ship individual contributor names; every piece is the product of a pipeline, not a single voice.

Content is grounded in the verified Mortgage Canon — a curated knowledge base of primary-source material from Canadian regulators and rate-setting bodies. A retrieval pass surfaces the relevant canon entries, an AI writer synthesizes them, and an editorial audit checks every numeric claim back to its primary source before publication.

Corrections are issued whenever a primary source changes — the November 2024 OSFI straight-switch rule, the December 2024 CMHC insurable cap increase to $1.5M, the April 2024 Home Buyers' Plan cap increase to $60,000 — and the affected page is re-stamped with a new lastVerified date.

Primary sources we cite

Every numeric claim on Ratellow traces back to one of these authoritative bodies. We do not cite secondary aggregators or comparison sites — only the regulators, rate-setters, and statutory authorities that produce the underlying data.

OSFI
Guideline B-20 underwriting rules and the federally mandated stress test.
Bank of Canada
Policy Rate decisions, Prime transmission, and 5-year GoC bond yields.
CMHC
Insured-mortgage rules, insurable maximums, and default-insurance pricing.
Sagen · Canada Guaranty
Private default-insurance pricing and eligibility for both insurers.
Department of Finance Canada
Federal mortgage policy. Budget-tabled HBP, FHSA, and LTT cap changes.
CRA
Tax treatment of mortgage interest, plus FHSA and HBP repayment schedules.
CREA · Statistics Canada
National and regional housing-market data and MLS HPI benchmarks.
Provincial authorities
Land-transfer tax rates, first-time buyer rebates, and rent controls.

Correction policy

When a primary source changes, we re-verify every affected page and stamp a new lastVerified date. Material corrections — a changed OSFI rule, a CMHC cap, a Bank of Canada policy-rate decision — are not silent edits. The dated stamp is the public record that the page was re-checked.

If you find an error, email research@ratellow.com. We review correction requests against the primary source and update the page when the claim does not hold.

What we will never do

  • Accept lender compensation to influence rate-comparison ranking or guide recommendations.
  • Publish a numeric claim without a citation to its primary source.
  • Ship AI-generated content that hasn't been audited by the editorial pipeline.
  • Hide corrections — every revision history is dated and visible.
Meet the Research DeskBrowse the verified guides

Join the mission.

We're always looking for ambitious individuals to join our team.

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