Lenders
BMO
BMO is recorded in this encyclopedia as a bank operating across Canada, and it deals with borrowers directly and through mortgage brokers.
| Type | bank |
|---|---|
| Operates | Across Canada |
| Head office province | Quebec |
| Website | https://www.bmo.com/main/personal/mortgages/?WT.ac=E6478_ad1e_Epfmhp_1&omtrRef=www.bmo.com/home/personal/banking/mortgages-loans/mortgage |
| Publishes rates | Yes. Its published rates are in the mortgage rates section. |
| Channel | both |
Published rates held for this lender
47 published rate rows in this capture were printed under this lender's own name, drawn from its own rate sheet and from the mortgage sweep. They are the same rows that appear in the mortgage rates record, gathered here so the lender's prices can be read beside its record.
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Chequing account | BMO Performance Chequing Account | $17.95 (waived with $4,000 balance) | Interest rates: N/A; Insurance: CDIC | Compare the Best Chequing Accounts in Canada | Ratehub.ca | Rates updated: November 10, 2026, 8:13 p.m. |
| Chequing account | Performance Chequing Account | $17.95 (waived with $4,000 balance) | Fee and waiver as printed in provider table on page; insured by CDIC | Compare the Best Chequing Accounts in Canada | Ratehub.ca | 2026-11-10 |
| Credit card | BMO CashBack World Elite Mastercard | Annual fee $139.00, $50.00 per additional card. Interest 21.99% on purchases, fees and other charges, and 23.99% on cash advances and balance transfers, 21.99% on cash advances and balance transfers for Quebec residents. | Figures are from BMO's own disclosure document, Important information about BMO Credit Cards, with charges valid as of November 2, 2026. The disclosure publishes standard rates for all BMO Mastercard and Visa cards other than the BMO Preferred Rate Mastercard, a 2.50% foreign currency conversion markup, and an interest free grace period of at least 21 days on new purchases when the balance is paid in full. The disclosure does not publish earn rates. | Important information about BMO Credit Cards | 2026-11-15 |
| Credit card | BMO U.S. Dollar Mastercard | Annual fee US$49.00, with no fee shown for additional cards. Interest 21.99% on purchases, fees and other charges, and 23.99% on cash advances and balance transfers, 21.99% on cash advances and balance transfers for Quebec residents. Fees and charges for BMO U.S. Dollar Mastercard cards are in U.S. dollars. | Figures are from BMO's own disclosure document, Important information about BMO Credit Cards, with charges valid as of November 2, 2026. The disclosure publishes standard rates for all BMO Mastercard and Visa cards other than the BMO Preferred Rate Mastercard, a 2.50% foreign currency conversion markup, and an interest free grace period of at least 21 days on new purchases when the balance is paid in full. The disclosure does not publish earn rates. | Important information about BMO Credit Cards | 2026-11-15 |
| Credit card | BMO eclipse Visa Infinite Card | Annual fee $120.00, $50.00 per additional card. Interest 21.99% on purchases, fees and other charges, and 23.99% on cash advances and balance transfers, 21.99% on cash advances and balance transfers for Quebec residents. | Figures are from BMO's own disclosure document, Important information about BMO Credit Cards, with charges valid as of November 2, 2026. The disclosure publishes standard rates for all BMO Mastercard and Visa cards other than the BMO Preferred Rate Mastercard, a 2.50% foreign currency conversion markup, and an interest free grace period of at least 21 days on new purchases when the balance is paid in full. The disclosure does not publish earn rates. | Important information about BMO Credit Cards | 2026-11-15 |
| GIC | 1-year GIC (non-redeemable) | 3.00% | $100,000 per category Insured by CDIC; non-registered, non-redeemable GICs with annual compounding as noted on page | Non-Redeemable GICs in Canada | 2026-11-13 |
| GIC | 1-year non-redeemable GIC | 3.00% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 2-year GIC (non-redeemable) | 3.20% | $100,000 per category Insured by CDIC; non-registered, non-redeemable GICs with annual compounding as noted on page | Non-Redeemable GICs in Canada | 2026-11-13 |
| GIC | 2-year non-redeemable GIC | 3.20% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 3-year GIC (non-redeemable) | 3.30% | $100,000 per category Insured by CDIC; non-registered, non-redeemable GICs with annual compounding as noted on page | Non-Redeemable GICs in Canada | 2026-11-13 |
| GIC | 3-year non-redeemable GIC | 3.30% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 4-year GIC (non-redeemable) | 3.35% | $100,000 per category Insured by CDIC; non-registered, non-redeemable GICs with annual compounding as noted on page | Non-Redeemable GICs in Canada | 2026-11-13 |
| GIC | 4-year non-redeemable GIC | 3.35% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 5-year GIC (non-redeemable) | 3.55% | $100,000 per category Insured by CDIC; non-registered, non-redeemable GICs with annual compounding as noted on page | Non-Redeemable GICs in Canada | 2026-11-13 |
| GIC | 5-year non-redeemable GIC | 3.55% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| Mortgage | 1-year fixed (posted) | 5.49% | fixed rate via a bank channel, as published by the source. | BankMortgages.ca: Big-Bank Mortgage Penalties and Rates, Compared | 2026-11-02 |
| Mortgage | 3-year fixed | 4.94% | Discounted BMO mortgage rates; APR 4.97% | BMO Mortgage Rates | Rates updated: Nov 14, 2026 |
| Mortgage | 3-year fixed (broker channel) | 4.99% | fixed rate via a bank channel, as published by the source. | Ratehub.ca: Broker Mortgage Rates | 2026-11-13 |
| Mortgage | 3-year fixed (insurable) | 4.94% | Insurable (e.g. home<$1M & amortization≤25-yr) | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | November 13, 2026 at 5:35 PM ET |
| Mortgage | 3-year fixed (insured) | 4.94% | Insured (e.g. down payment<20%) | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | November 13, 2026 at 5:35 PM ET |
| Mortgage | 3-year fixed (insured) | 4.94% | fixed rate via a bank channel, as published by the source. | WOWA: Best Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 3-year fixed (posted) | 6.05% | fixed rate via a bank channel, as published by the source. | BankMortgages.ca: Big-Bank Mortgage Penalties and Rates, Compared | 2026-11-02 |
| Mortgage | 3-year fixed (special offer) Promotional | 4.94% | fixed rate via a bank channel, as published by the source. | BankMortgages.ca: Big-Bank Mortgage Penalties and Rates, Compared | 2026-11-02 |
| Mortgage | 3-year fixed (uninsurable) | 5.04% | Uninsurable (e.g. home ≥ $1M & down payment ≥ 20%, or refinances) | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | November 13, 2026 at 5:35 PM ET |
| Mortgage | 5-year Smart Fixed (insured) | 4.99% | Discounted BMO mortgage rates; APR 5.01% | BMO Mortgage Rates | Rates updated: Nov 14, 2026 |
| Mortgage | 5-year Smart Fixed (uninsured) | 5.14% | Discounted BMO mortgage rates; APR 5.16% | BMO Mortgage Rates | Rates updated: Nov 14, 2026 |
| Mortgage | 5-year fixed (broker channel) | 5.19% | fixed rate via a bank channel, as published by the source. | Ratehub.ca: Broker Mortgage Rates | 2026-11-13 |
| Mortgage | 5-year fixed (insured) | 4.99% | Big Six 5-Year Fixed Rates; Discounted rates shown are for qualifying mortgages with amortizations of 25 years or less | Today's Mortgage Rates in Canada - NerdWallet Canada | This week’s mortgage rates | November 2-6, 2026 |
| Mortgage | 5-year fixed (insured) | 4.99% | Your down payment is under 20%, so your mortgage needs mortgage default insurance. Showing Insured rates. | Best 5-Year Fixed Mortgage Rates Canada from 4.25% | WOWA.ca | November 13, 2026 at 5:35 PM ET |
| Mortgage | 5-year fixed (insured) | 4.99% | Best 5-Year Fixed Mortgage Rates Canada from 4.25% | WOWA.ca | As of November 13, 2026 | |
| Mortgage | 5-year fixed (insured) | 4.99% | fixed rate via a bank channel, as published by the source. | WOWA: Best 5-Year Fixed Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 5-year fixed (posted) | 6.09% | Big Six 5-Year Fixed Rates; Posted | Today's Mortgage Rates in Canada - NerdWallet Canada | This week’s mortgage rates | November 2-6, 2026 |
| Mortgage | 5-year fixed (posted) | 6.09% | fixed rate via a bank channel, as published by the source. | BankMortgages.ca: Big-Bank Mortgage Penalties and Rates, Compared | 2026-11-02 |
| Mortgage | 5-year fixed (special offer) Promotional | 5.14% | fixed rate via a bank channel, as published by the source. | BankMortgages.ca: Big-Bank Mortgage Penalties and Rates, Compared | 2026-11-02 |
| Mortgage | 5-year fixed (uninsurable) | 5.14% | Best 5-Year Fixed Mortgage Rates Canada from 4.25% | WOWA.ca | As of November 13, 2026 | |
| Mortgage | 5-year fixed (uninsured) | 5.14% | Big Six 5-Year Fixed Rates; Discounted rates shown are for qualifying mortgages with amortizations of 25 years or less | Today's Mortgage Rates in Canada - NerdWallet Canada | This week’s mortgage rates | November 2-6, 2026 |
| Mortgage | 5-year variable (broker channel) | 4.37% | variable rate via a bank channel, as published by the source. | Ratehub.ca: Broker Mortgage Rates | 2026-11-13 |
| Mortgage | 5-year variable (closed) | 4.35% | Discounted BMO mortgage rates; APR 4.37% | BMO Mortgage Rates | Rates updated: Nov 14, 2026 |
| Mortgage | Prime rate | 4.70% | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | As of November 14, 2026 | |
| Personal loan | Personal loan | 8.99% to 22.99% | $2,000 to $35,000; 1 to 5 years | Best personal loans in Canada 2026 | Ratehub.ca | 2026-10-02 |
| Personal loan | Personal loan | 8.99% to 22.99% | 1 to 5 years; $2,000 to $35,000 | How to buy a car in Canada and get the best loan rate | 2026-10-02 |
| Personal loan | Personal loan (APR) | 8.99% to 22.99% | Loan amount: $2,000 to $35,000; Loan term: 1 to 5 years | Best personal loans in Canada 2026 | Ratehub.ca | Rates updated: October 2, 2026, 6:11 p.m. |
| Savings account | Amplifier Account | 0.45% | Best Savings Accounts in Canada | Updated: 2026-11-14 | |
| Savings account | Amplifier Account Promotional | 0.45% | Promotional rate 5.00% applies for the first 4 months as printed on page; $100,000 per category Insured by CDIC | Best Savings Accounts in Canada - Compare Interest Rates | WOWA.ca | 2026-11-14 |
| Savings account | Amplifier Account (promotional rate) Promotional | 5.00% | Promotional rate applies for the first 4 months. | Best Savings Accounts in Canada | Updated: 2026-11-14 |
| Savings account | FHSA Cash Savings | 2.00% | Best Savings Accounts in Canada | Updated: 2026-11-14 | |
| Savings account | Smart Saver Account | 0.05% | Best Savings Accounts in Canada | Updated: 2026-11-14 |
Products as recorded
- Fixed-rate closed mortgages
- Smart Fixed mortgage
- Variable-rate mortgages
- Open mortgages
- Homeowner ReadiLine (home equity line of credit)
Headquarters listed as Montreal in Wikipedia's list of banks in Canada
The lender's own website.
Sources for this record
- https://www.bankmortgages.ca/bmo-mortgages
- https://www.bmo.com/main/personal/mortgages/?WT.ac=E6478_ad1e_Epfmhp_1&omtrRef=www.bmo.com/home/personal/banking/mortgages-loans/mortgage
- https://www.nerdwallet.com/ca/p/best/mortgages/bmo-mortgage-rates
- https://en.wikipedia.org/wiki/List_of_banks_and_credit_unions_in_Canada
Encyclopedia captured 2026-11-14.