Independent, honest, Canadian.
Most personal finance content in Canada is either written by the banks themselves, or copied from US sources that don't apply here. Canadians deserve honest, independent comparisons that actually reflect how these products work in Canada — the fees, the fine print, and the real-world experience.
NorthRate was built to fill that gap. We open real accounts, test real products, and write about what we actually find — not what a PR team tells us to say.
We're based in Canada, we pay Canadian taxes, and we use Canadian financial products. That's the perspective we write from.
We open real accounts and use real products before writing about them.
Every article clearly states when affiliate links are present. Always.
Companies cannot pay for positive coverage. Our ratings are editorial only.
Rates and products change. We review and update our content on a regular schedule.
We only cover products available to Canadian residents. No US-only recommendations.
Have a question or found an error? We respond to every message.
NorthRate is free to use and always will be. We earn revenue through affiliate referral commissions — when you sign up for a product through one of our links, we may receive a payment from that company at no cost to you.
This is how most independent review sites are funded. Our editorial team operates independently from this process — commission rates never influence our ratings or recommendations. We will always tell you when a product link is an affiliate link.