Rates
Rate changes
This page tracks the lowest published figure in each main mortgage term family across our own dated snapshots of the rate universe, and prints the change over the last 7 and 30 days in basis points. Every figure can be traced to a snapshot we hold; a snapshot is the whole captured rate universe frozen on a date.
The lowest figures in the latest snapshot
| Term family | Lowest figure, snapshot of 2026-11-15 | Published by | Change over 7 days | Change over 30 days |
|---|---|---|---|---|
| 1-year fixed | 4.09% | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | no snapshot that old yet | no snapshot that old yet |
| 2-year fixed | 3.89% | LowestRates.ca | no snapshot that old yet | no snapshot that old yet |
| 3-year fixed | 3.69% | LowestRates.ca | no snapshot that old yet | no snapshot that old yet |
| 4-year fixed | 3.84% | LowestRates.ca | no snapshot that old yet | no snapshot that old yet |
| 5-year fixed | 3.55% | LowestRates.ca | no snapshot that old yet | no snapshot that old yet |
| 5-year variable | 3.45% | LowestRates.ca | no snapshot that old yet | no snapshot that old yet |
| 3-year variable | 3.75% | Butler Mortgage | no snapshot that old yet | no snapshot that old yet |
The publishers named in this table are the sources the snapshot recorded, comparison sites included: this table is the frozen record of the lowest figure published anywhere on the snapshot date. The board on the home page and the rate pages runs on a stricter rule, and leads only with figures confirmed at a named lender's own published source.
The first snapshot in this record was taken on 2026-11-15. A change over 7 or 30 days prints only when a snapshot at least that old exists, so the change columns fill in as the record ages. We do not print a change against data we do not hold.
The snapshot log
| Snapshot date | Rate rows frozen |
|---|---|
| 2026-11-15 | 2,945 |
Each snapshot freezes every captured rate row, not only the lowest figures, so any row's movement can be reconstructed from the record. The snapshots are held with the money datasets and listed in the coverage ledger's family of documents.