Everyrate team
Meet the broker behind the review
Everyrate is led by Andy Hill, Principal Broker and co-founder. The rate table helps you compare. The broker review helps check whether a rate actually fits.
A rate is only useful after the file is checked
Andy Hill is Everyrate's Principal Broker and co-founder. He helps borrowers compare transparent lender options, understand tradeoffs, and decide what mortgage path may fit their purchase, renewal, or refinance.
The team page starts with Andy because the trust question is personal: who reviews the assumptions, explains the tradeoffs, and tells you when a low rate may not be the right path?
View Andy's profileTransparent before personal
Everyrate starts with rate context and assumptions before asking for sensitive documents.
Broker review before advice
A licensed broker reviews eligibility, lender fit, restrictions, fees, and timing before a recommendation moves forward.
Plain-language tradeoffs
Borrowers should understand why a lower rate may carry conditions, penalties, portability limits, or documentation requirements.
Licensed brokerage
Everyrate is licensed: FSRA (Ontario) #13807, BCFSA (BC) #MBX609729, RECA (AB) #2126909973