Lock it once. Watch it fall as you stay on track — no refinancing, no renewal roulette, no surprises. The mortgage app you'll actually open.
Illustrative figures, shown to convey the rate reduction principle — not a rate quote.
Most mortgages reset against you. Bredfrut does the opposite: your rate is fixed the day you sign and falls over time, as long as you keep up your end.
Your rate is set the day you sign — in writing, for the life of the loan. It can never increase.
Stay current and your rate falls along the way. Every reduction is automatic.
Each change is permanent. No renewal, no refinance, no resetting the clock — the savings just compound.
Take a $663,000 mortgage as an example. Here's the shape of a rate that only ever falls across the life of the loan.
Figures are illustrative, to show the principle — not an offer, quote, or commitment.
Your mortgage comes with a cushion — built-in flexibility to help you manage unexpected financial challenges while protecting your progress toward a lower rate.
Life can be unpredictable. Your mortgage is designed with flexibility for those unexpected moments.
When financial pressures arise, you have options to help you navigate them.
Your mortgage is designed to support your long-term journey toward a lower rate.
When someone you refer closes their mortgage, you qualify for a free payment.
Join the waitlist and we'll let you know the moment Bredfrut is available in your province.
Simulated expressions of interest only — not an application. No email is sent and nothing leaves this browser.