Rates
Mortgage rates
Every published mortgage and home equity rate we hold, grouped by the lender or source that published it. The board above leads with the lowest figure for each term confirmed at a named lender's own rate sheet.
The board: lowest rates confirmed at the lender
Each figure is the lowest rate for its term confirmed at a named lender's own published rate sheet, with the lender named. The tables below are the whole record, comparison sources included, each row labelled with where it was read.
5-year variable3.75%FirstOntario Credit Union · 5-year Variable High Ratio · Captured 2026-11-14Every published row for this term →
5-year fixed4.29%Steinbach Credit Union · High-Ratio Fixed 5-year Mortgage · Rates are current as of November 15, 2026Every published row for this term →
3-year fixed4.09%Steinbach Credit Union · High-Ratio Fixed 3-year Mortgage · Rates are current as of November 15, 2026Every published row for this term →
4-year fixed4.19%Steinbach Credit Union · High-Ratio Fixed 4-year Mortgage · Rates are current as of November 15, 2026Every published row for this term →
2-year fixed4.09%Steinbach Credit Union · High-Ratio Fixed 2-year Mortgage · Rates are current as of November 15, 2026Every published row for this term →
1-year fixed4.09%Steinbach Credit Union · High-Ratio Fixed 1-year Mortgage · Rates are current as of November 15, 2026Every published row for this term →
1489 published rows, captured 2026-11-14 to 2026-11-15. Each row prints the figure exactly as its source published it, with the source and the row's own as-of date.
The promotional figures in this capture, shown separately
A row is listed here when its own published term or conditions describe it as promotional, introductory, limited-time or tied to new clients or new money, in the source's words. The same rows also appear in their institution's section below, marked with a promotional tag, so nothing is hidden by the separation: the point of showing them apart is that a promotional figure and a regular figure are different promises, and a reader comparing only the percentages will mistake the loudest promise for the best one. Where the conditions print an end date, the tag carries it.
| Institution | Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|---|
| Caisse Alliance | Mortgage | 12 months - open Promotional | 9.75% | Special Offers Mortgage Rates; APR 10.128% | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| Caisse Alliance | Mortgage | 84 months - closed Promotional | 5.49% | Special Offers Mortgage Rates; APR 5.551% | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| National Bank | Mortgage | 1 year fixed rate (promotion) Promotional | 5.49% | Special offers on certain terms; PROMOTION; Other promotional rates table as printed, with APR in the same table; APR 5.61%** | Mortgage rates: see current rates | National Bank | 2026-11-15 |
| National Bank | Mortgage | 1-year fixed (special offer) Promotional | 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 |
| RBC | Mortgage | 7-year fixed closed (special) Promotional | 5.350% | Special Offers; Special Rates for Purchase and Switch Transaction - Fixed Rate Mortgages (second table as printed) | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| CIBC | Mortgage | 5-year fixed (special offer) Promotional | 5.34% | fixed rate via a bank channel, as published by the source. | BankMortgages.ca: Big-Bank Mortgage Penalties and Rates, Compared | 2026-11-02 |
| National Bank | Mortgage | 7 year fixed rate (promotion) Promotional | 5.34% | Special offers on certain terms; PROMOTION; Other promotional rates table as printed, with APR in the same table; APR 5.37%** | Mortgage rates: see current rates | National Bank | 2026-11-15 |
| RFA | Mortgage | 5 Year Fixed (Uninsurable, <= 80%) Promotional | 5.29% | New Business Uninsurable Promotions; <= 80% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| TD | Mortgage | 5-year fixed (special offer) Promotional | 5.29% | fixed rate via a bank channel, as published by the source. | BankMortgages.ca: Big-Bank Mortgage Penalties and Rates, Compared | 2026-11-02 |
| RBC | Mortgage | 7-year fixed closed (special) Promotional | 5.250% | Special Offers; Special Rates for Purchase and Switch Transaction - Fixed Rate Mortgages (first table as printed) | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| Caisse Alliance | Mortgage | 12 months - closed Promotional | 5.24% | Special Offers Mortgage Rates; APR 5.865% | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| RBC | Mortgage | 1-year fixed closed (special) Promotional | 5.240% | Special Offers; Special Rates for Purchase and Switch Transaction - Fixed Rate Mortgages (second table as printed) | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| RBC | Mortgage | 2-year fixed closed (special) Promotional | 5.240% | Special Offers; Special Rates for Purchase and Switch Transaction - Fixed Rate Mortgages (second table as printed) | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| RBC | Mortgage | 4-year fixed closed (special) Promotional | 5.240% | Special Offers; Special Rates for Purchase and Switch Transaction - Fixed Rate Mortgages (second table as printed) | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| RBC | Mortgage | 5-year fixed closed (special) Promotional | 5.240% | Special Offers; Special Rates for Purchase and Switch Transaction - Fixed Rate Mortgages (second table as printed) | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| TD | Mortgage | 3-year fixed (special offer) Promotional | 5.24% | fixed rate via a bank channel, as published by the source. | BankMortgages.ca: Big-Bank Mortgage Penalties and Rates, Compared | 2026-11-02 |
| National Bank | Mortgage | 2 year fixed rate (promotion) Promotional | 5.19% | Special offers on certain terms; PROMOTION; Other promotional rates table as printed, with APR in the same table; APR 5.26%** | Mortgage rates: see current rates | National Bank | 2026-11-15 |
| RBC | Mortgage | 3-year fixed closed (special) Promotional | 5.190% | Special Offers; Special Rates for Purchase and Switch Transaction - Fixed Rate Mortgages (second table as printed) | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| BMO | 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 |
| National Bank | 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 |
| RBC | Mortgage | 1-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 |
| RBC | Mortgage | 1-year fixed closed (special) Promotional | 5.140% | Special Offers; Special Rates for Purchase and Switch Transaction - Fixed Rate Mortgages (first table as printed) | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| RBC | Mortgage | 2-year fixed closed (special) Promotional | 5.140% | Special Offers; Special Rates for Purchase and Switch Transaction - Fixed Rate Mortgages (first table as printed) | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| RBC | Mortgage | 4-year fixed closed (special) Promotional | 5.140% | Special Offers; Special Rates for Purchase and Switch Transaction - Fixed Rate Mortgages (first table as printed) | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| RBC | 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 |
| RBC | Mortgage | 5-year fixed closed (special) Promotional | 5.140% | Special Offers; Special Rates for Purchase and Switch Transaction - Fixed Rate Mortgages (first table as printed) | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| CIBC | Mortgage | 1-year fixed (special offer) Promotional | 5.09% | fixed rate via a bank channel, as published by the source. | BankMortgages.ca: Big-Bank Mortgage Penalties and Rates, Compared | 2026-11-02 |
| CIBC | Mortgage | 3-year fixed (special offer) Promotional | 5.09% | fixed rate via a bank channel, as published by the source. | BankMortgages.ca: Big-Bank Mortgage Penalties and Rates, Compared | 2026-11-02 |
| National Bank | Mortgage | 3-year fixed (special offer) Promotional | 5.09% | fixed rate via a bank channel, as published by the source. | BankMortgages.ca: Big-Bank Mortgage Penalties and Rates, Compared | 2026-11-02 |
| RBC | Mortgage | 3-year fixed (special offer) Promotional | 5.09% | fixed rate via a bank channel, as published by the source. | BankMortgages.ca: Big-Bank Mortgage Penalties and Rates, Compared | 2026-11-02 |
| RBC | Mortgage | 3-year fixed closed (special) Promotional | 5.090% | Special Offers; Special Rates for Purchase and Switch Transaction - Fixed Rate Mortgages (first table as printed) | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| Manulife Bank | Mortgage | Manulife Bank Select Mortgage 5-year closed fixed-rate (special) Promotional | 5.04% | Special rates; As low as 5.04% (APR); New clients only; insurable Manulife Bank Select 5-year fixed term rate for loan to values up to 65%, current as of October 20, 2026; applies to new personal owner-occupied mortgages on primary residence with a value less than $1 million, who also meet additional insurability requirements; subject to credit approval; discounted rate program; the posted 5-year rate is 5.59% | Current Rates | Manulife Bank | current as of October 20, 2026 |
| Manulife Bank | Mortgage | Manulife One 5-year closed fixed-rate (special) Promotional | 5.04% | Special rates; As low as 5.04% (APR); New clients only; Preferred Manulife One 5-year fixed term sub-account rate, current as of October 20, 2026; applies to personal owner-occupied mortgages on primary residence, who also meet additional Preferred structure requirements; subject to credit approval; discounted rate program; the posted 5-year rate is 5.59% | Current Rates | Manulife Bank | current as of October 20, 2026 |
| Meridian Credit Union | Mortgage | 5-Year Closed (special offer) Promotional | 4.99% | Fixed rate mortgages, Special offers - 5.01% APR1 | Current Meridian mortgage rates | The current Meridian Prime Rate is 4.70% as of October 29, 2026. |
| BMO | 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 |
| Caisse Alliance | Mortgage | 60 months - Insured/closed Promotional | 4.94% | Special Offers Mortgage Rates; APR 4.940% | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| Caisse Alliance | Mortgage | 36 months - Insured/closed Promotional | 4.84% | Special Offers Mortgage Rates; APR 4.840% | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| Meridian Credit Union | Mortgage | 3-Year Closed (special offer) Promotional | 4.84% | Fixed rate mortgages, Special offers - 4.87% APR1 | Current Meridian mortgage rates | The current Meridian Prime Rate is 4.70% as of October 29, 2026. |
| RBC | Mortgage | 5 Year Fixed High Ratio Closed (special) Promotional | 4.840% | Special Offers; High Ratio Mortgages Rates; available to customers with less than 20% down payment on a purchase transaction and meet other conditions | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| RFA | Mortgage | 5 Year Fixed QC (45-Day) (Insurable 65.01 to 70%) Promotional | 4.84% | Quick Close Promotions; Insured / Insurable; Insurable 65.01 to 70% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Vancity | Mortgage | 5-year fixed-term, fixed-rate (special offer) Promotional | 4.84% | Fixed-term, fixed-rate mortgages; APR 4.86% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Bow Valley Credit Union | Mortgage | 5 year term, Mortgage Rate Promotional | 4.79% | Enjoy BVCU's Rates; Special rates are available for a limited time only | bowvalleycu - Personal & Business Banking | |
| Meridian Credit Union | Mortgage | 4-Year Closed (special offer) Promotional | 4.79% | Fixed rate mortgages, Special offers - 4.82% APR1 | Current Meridian mortgage rates | The current Meridian Prime Rate is 4.70% as of October 29, 2026. |
| Vancity | Mortgage | 4-year fixed-term, fixed-rate (special offer) Promotional | 4.79% | Fixed-term, fixed-rate mortgages; APR 4.82% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Vancity | Mortgage | 3-year fixed-term, fixed-rate (special offer) Promotional | 4.75% | Fixed-term, fixed-rate mortgages; APR 4.78% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Meridian Credit Union | Mortgage | 5-Year Closed High Ratio (special offer) Promotional | 4.69% | Fixed rate mortgages, Special offers - 4.71% APR1 | Current Meridian mortgage rates | The current Meridian Prime Rate is 4.70% as of October 29, 2026. |
| National Bank | Mortgage | 5 year fixed high ratio rate (promotion) Promotional | 4.69% | Special offers on certain terms; PROMOTION; 5 year fixed high ratio rate1 as printed; no APR figure was printed for this row in the extracted text | Mortgage rates: see current rates | National Bank | 2026-11-15 |
| RFA | Mortgage | 5 Year Fixed QC (45-Day) (Insurable <= 65%) Promotional | 4.69% | Quick Close Promotions; Insured / Insurable; Insurable <= 65% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| RFA | Mortgage | 5 Year Fixed QC (45-Day) (Insured) Promotional | 4.69% | Quick Close Promotions; Insured / Insurable; Insured | RFA - Prime | No date printed on page; captured 2026-11-14 |
| RBC | Mortgage | 5 Year Variable Closed (special) Promotional | 4.500% | Special Offers; Special Rates for Purchase and Switch Transaction - Variable Rate Mortgages; RBC Prime Rate -0.200% (second table as printed) | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| Meridian Credit Union | Mortgage | 3-Year Closed High Ratio (special offer) Promotional | 4.49% | Fixed rate mortgages, Special offers - 4.37% APR1 | Current Meridian mortgage rates | The current Meridian Prime Rate is 4.70% as of October 29, 2026. |
| RBC | Mortgage | 5 Year Variable Closed (special) Promotional | 4.400% | Special Offers; Special Rates for Purchase and Switch Transaction - Variable Rate Mortgages; RBC Prime Rate -0.300% (first table as printed) | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| RBC | Mortgage | 5 Year Variable High Ratio Closed (special) Promotional | 4.100% | Special Offers; High Ratio Mortgages Rates; RBC Prime Rate -0.600% | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| Caisse Alliance | Mortgage | 24 months - closed Promotional | 5,04% | Special Offers Mortgage Rates; APR 5.236% | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| Caisse Alliance | Mortgage | 36 months - closed Promotional | 5,14% | Special Offers Mortgage Rates; APR 5,274% | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| Caisse Alliance | Mortgage | 48 months - closed Promotional | 5,14% | Special Offers Mortgage Rates; APR 5.242% | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| Caisse Alliance | Mortgage | 60 months - closed Promotional | 5,24% | Special Offers Mortgage Rates; APR 5.323% | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| Kawartha Financial Services | Mortgage | 3-Year Closed (some restrictions apply) Promotional | 5.04 | Special Offer: First Mortgages | Rates | Kawartha Financial Services | |
| Kawartha Financial Services | Mortgage | 3-Year Closed Insured (High Ratio) Promotional | 4.59 | Special Offer: First Mortgages | Rates | Kawartha Financial Services | |
| Kawartha Financial Services | Mortgage | 3-Year Variable Closed (some restrictions apply) Promotional | 4.40 | Special Offer: First Mortgages; Mortgage Prime less 0.30% | Rates | Kawartha Financial Services | |
| Kawartha Financial Services | Mortgage | 4-Year Closed (some restrictions apply) Promotional | 5.04 | Special Offer: First Mortgages | Rates | Kawartha Financial Services | |
| Kawartha Financial Services | Mortgage | 4-Year Closed Insured (High Ratio) Promotional | 5.04 | Special Offer: First Mortgages | Rates | Kawartha Financial Services | |
| Kawartha Financial Services | Mortgage | 5-Year Closed (some restrictions apply) Promotional | 5.09 | Special Offer: First Mortgages | Rates | Kawartha Financial Services | |
| Kawartha Financial Services | Mortgage | 5-Year Closed Insured (High Ratio) Promotional | 4.64 | Special Offer: First Mortgages | Rates | Kawartha Financial Services | |
| Kawartha Financial Services | Mortgage | 5-Year Variable Closed (some restrictions apply) Promotional | 4.40 | Special Offer: First Mortgages; Mortgage Prime less 0.30% | Rates | Kawartha Financial Services | |
| RFA | Mortgage | 5 Year ARM (Uninsurable, <= 80%) Promotional | P-0.35% | New Business Uninsurable Promotions; <= 80% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| RFA | Mortgage | 5 Year ARM Promo (Insurable 65.01 to 70%) Promotional | P-0.55% | New Business Promotions; Insured / Insurable; Insurable 65.01 to 70% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| RFA | Mortgage | 5 Year ARM Promo (Insurable 70.01 to 75%) Promotional | P-0.45% | New Business Promotions; Insured / Insurable; Insurable 70.01 to 75% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| RFA | Mortgage | 5 Year ARM Promo (Insurable 75.01 to 80%) Promotional | P-0.45% | New Business Promotions; Insured / Insurable; Insurable 75.01 to 80% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| RFA | Mortgage | 5 Year ARM Promo (Insurable <= 65%) Promotional | P-0.75% | New Business Promotions; Insured / Insurable; Insurable <= 65% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| RFA | Mortgage | 5 Year ARM Promo (Insured) Promotional | P-0.75% | New Business Promotions; Insured / Insurable; Insured | RFA - Prime | No date printed on page; captured 2026-11-14 |
ATB Financial
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 5 Year Conventional (Rate First Residential Mortgage) | 4.59% | Our best mortgage offers; Rate First Residential Mortgage | ATB Mortgage Offers | No date printed on page; captured 2026-11-14 |
| Mortgage | 5 Year Conventional (Residential Mortgage) | 4.69% | Our best mortgage offers; Residential Mortgage | ATB Mortgage Offers | No date printed on page; captured 2026-11-14 |
| Mortgage | 5 Year High Ratio (Rate First Residential Mortgage) | 4.34% | Our best mortgage offers; Rate First Residential Mortgage | ATB Mortgage Offers | No date printed on page; captured 2026-11-14 |
| Mortgage | 5 Year High Ratio (Residential Mortgage) | 4.44% | Our best mortgage offers; Residential Mortgage | ATB Mortgage Offers | No date printed on page; captured 2026-11-14 |
| Mortgage | 5 Year Variable (Residential Mortgage) | 4.05% | Our best mortgage offers; Residential Mortgage | ATB Mortgage Offers | No date printed on page; captured 2026-11-14 |
| Mortgage | 5 Year Variable High Ratio (Residential Mortgage) | 3.90% | Our best mortgage offers; Residential Mortgage | ATB Mortgage Offers | No date printed on page; captured 2026-11-14 |
Access Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 1 Year Fixed | 4.29% | Access Credit Union - Access Credit Union Rates | Current Mortgage & Savings Rates | Rates were last updated November 13, 2026 | |
| Mortgage | 2 Year Fixed | 4.29% | Access Credit Union - Access Credit Union Rates | Current Mortgage & Savings Rates | Rates were last updated November 13, 2026 | |
| Mortgage | 3 Year Fixed | 4.29% | Access Credit Union - Access Credit Union Rates | Current Mortgage & Savings Rates | Rates were last updated November 13, 2026 | |
| Mortgage | 4 Year Fixed | 4.39% | Access Credit Union - Access Credit Union Rates | Current Mortgage & Savings Rates | Rates were last updated November 13, 2026 | |
| Mortgage | 5 Year Fixed | 4.49% | Access Credit Union - Access Credit Union Rates | Current Mortgage & Savings Rates | Rates were last updated November 13, 2026 | |
| Mortgage | Variable Closed | 3.80% | Variable Closed (Prime - 0.90%) | Access Credit Union - Access Credit Union Rates | Current Mortgage & Savings Rates | Rates were last updated November 13, 2026 |
| Mortgage | Variable Open | 4.70% | Variable Open (Prime) | Access Credit Union - Access Credit Union Rates | Current Mortgage & Savings Rates | Rates were last updated November 13, 2026 |
Affinity Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 1 Year Closed | 4.69% | Straight Rate | Mortgage Rates | Affinity Credit Union | |
| Mortgage | 1 Year Closed | 5.04% | CU Flex | Mortgage Rates | Affinity Credit Union | |
| Mortgage | 1 Year Closed | 5.49% | Posted Mortgage Rates | Mortgage Rates | Affinity Credit Union | |
| Mortgage | 1 Year Open | 8.49% | Fixed Rate Open Mortgage | Mortgage Rates | Affinity Credit Union | |
| Mortgage | 2 Year Closed | 4.19% | Straight Rate | Mortgage Rates | Affinity Credit Union | |
| Mortgage | 2 Year Closed | 4.54% | CU Flex | Mortgage Rates | Affinity Credit Union | |
| Mortgage | 2 Year Closed | 5.84% | Posted Mortgage Rates | Mortgage Rates | Affinity Credit Union | |
| Mortgage | 3 Year Closed | 4.24% | Straight Rate | Mortgage Rates | Affinity Credit Union | |
| Mortgage | 3 Year Closed | 4.59% | CU Flex | Mortgage Rates | Affinity Credit Union | |
| Mortgage | 3 Year Closed | 6.05% | Posted Mortgage Rates | Mortgage Rates | Affinity Credit Union | |
| Mortgage | 3 Year Closed variable | Prime - 0.50% | Variable Rate Closed Mortgage; Interest rates for Closed Variable Mortgage will fluctuate based on Affinity Credit Union's Prime Lending Rate; Affinity Prime Rate 4.70% | Mortgage Rates | Affinity Credit Union | |
| Mortgage | 4 Year Closed | 4.29% | Straight Rate | Mortgage Rates | Affinity Credit Union | |
| Mortgage | 4 Year Closed | 4.64% | CU Flex | Mortgage Rates | Affinity Credit Union | |
| Mortgage | 4 Year Closed | 6.14% | Posted Mortgage Rates | Mortgage Rates | Affinity Credit Union | |
| Mortgage | 5 Year Closed | 4.34% | Straight Rate | Mortgage Rates | Affinity Credit Union | |
| Mortgage | 5 Year Closed | 4.69% | CU Flex | Mortgage Rates | Affinity Credit Union | |
| Mortgage | 5 Year Closed | 6.19% | Posted Mortgage Rates | Mortgage Rates | Affinity Credit Union | |
| Mortgage | 5 Year Closed variable | Prime - 0.50% | Variable Rate Closed Mortgage; Interest rates for Closed Variable Mortgage will fluctuate based on Affinity Credit Union's Prime Lending Rate; Affinity Prime Rate 4.70% | Mortgage Rates | Affinity Credit Union | |
| Mortgage | 6 Month Closed | 5.99% | CU Flex | Mortgage Rates | Affinity Credit Union | |
| Mortgage | 6 Month Closed | 6.09% | Posted Mortgage Rates | Mortgage Rates | Affinity Credit Union | |
| Mortgage | 7 Year Closed | 4.89% | CU Flex | Mortgage Rates | Affinity Credit Union | |
| Mortgage | 7 Year Closed | 6.49% | Posted Mortgage Rates | Mortgage Rates | Affinity Credit Union |
Alterna Bank
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 3-year fixed, closed special | 4.94 % | 3-year fixed, closed special, interest rate, 5.00 % APR; *rates subject to change; Not available for Quebec mortgages; Rates available for online mortgages only | Alterna Bank - Homebuying | No date printed on page; captured 2026-11-14 |
| Mortgage | 5-year fixed, closed special | 5.04 % | 5-year fixed, closed special, interest rate, 5.08 % APR; *rates subject to change; Not available for Quebec mortgages; Rates available for online mortgages only | Alterna Bank - Homebuying | No date printed on page; captured 2026-11-14 |
| Mortgage | Prime | 4.70% | Alterna Bank - Prime Rate | Effective Date (2026-10-30) |
Alterna Savings
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 3-Year High Ratio Fixed | 4.59%* | (4.65%* APR); *Terms and conditions apply. | Alterna Savings - Ontario Credit Union - Banking and Mortgages | |
| Mortgage | 3-year fixed (insured) | 4.59% | fixed rate via a credit union channel, as published by the source. | WOWA: Best Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 5-year fixed (insured) | 4.69% | 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) | 4.69% | fixed rate via a credit union channel, as published by the source. | WOWA: Best 5-Year Fixed Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | Signature 3-Year, Variable Closed | 4.50 % | interest rate, 4.56 % APR; *rates subject to change | Alterna Savings - Ontario Credit Union - Banking and Mortgages | |
| Mortgage | Signature 5-Year, Variable Closed | 4.40 % | interest rate, 4.44 % APR; *rates subject to change | Alterna Savings - Ontario Credit Union - Banking and Mortgages | |
| Mortgage | Smart Start 3-Year Fixed Closed - High Ratio | 4.59 % | interest rate, 4.65 % APR; *rates subject to change | Alterna Savings - Ontario Credit Union - Banking and Mortgages |
Assiniboine Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 3-year fixed | 4.29% | Feature mortgage rate | ACU - Mortgages | Home financing solutions - Winnipeg and Manitoba |
Average conventional (Ontario)
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 10-year fixed (conventional) | 6.80 % | average conventional mortgage rates available across Ontario | Mortgage Rates Ontario | Best Rates from 3.66% - nesto.ca | As of Friday, November 13, 2026 |
| Mortgage | 2-year fixed (conventional) | 5.12 % | average conventional mortgage rates available across Ontario | Mortgage Rates Ontario | Best Rates from 3.66% - nesto.ca | As of Friday, November 13, 2026 |
| Mortgage | 3-year fixed (conventional) | 5.25 % | average conventional mortgage rates available across Ontario | Mortgage Rates Ontario | Best Rates from 3.66% - nesto.ca | As of Friday, November 13, 2026 |
| Mortgage | 3-year variable (conventional) | 5.30 % | average conventional mortgage rates available across Ontario | Mortgage Rates Ontario | Best Rates from 3.66% - nesto.ca | As of Friday, November 13, 2026 |
| Mortgage | 4-year fixed (conventional) | 5.59 % | average conventional mortgage rates available across Ontario | Mortgage Rates Ontario | Best Rates from 3.66% - nesto.ca | As of Friday, November 13, 2026 |
| Mortgage | 5-year fixed (conventional) | 5.17 % | average conventional mortgage rates available across Ontario | Mortgage Rates Ontario | Best Rates from 3.66% - nesto.ca | As of Friday, November 13, 2026 |
| Mortgage | 5-year variable (conventional) | 4.46 % | average conventional mortgage rates available across Ontario | Mortgage Rates Ontario | Best Rates from 3.66% - nesto.ca | As of Friday, November 13, 2026 |
| Mortgage | 7-year fixed (conventional) | 5.89 % | average conventional mortgage rates available across Ontario | Mortgage Rates Ontario | Best Rates from 3.66% - nesto.ca | As of Friday, November 13, 2026 |
BMO
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| 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 |
BMO Bank of Montreal
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 1-year fixed (closed) | 5.490% | Posted | BMO Bank of Montreal Mortgages: Rates, Prepayment, Penalties, HELOC | As shown on BMO’s rates page, read Nov 2, 2026 (page shows no date) |
| Mortgage | 3-year fixed (closed) | 6.050% | Posted | BMO Bank of Montreal Mortgages: Rates, Prepayment, Penalties, HELOC | As shown on BMO’s rates page, read Nov 2, 2026 (page shows no date) |
| Mortgage | 3-year fixed, ≤25-yr amortization | 4.94% | Special / advertised | BMO Bank of Montreal Mortgages: Rates, Prepayment, Penalties, HELOC | As shown on BMO’s rates page, read Nov 2, 2026 (page shows no date) |
| Mortgage | 5-year Smart Fixed, default insured | 4.99% | Special / advertised | BMO Bank of Montreal Mortgages: Rates, Prepayment, Penalties, HELOC | As shown on BMO’s rates page, read Nov 2, 2026 (page shows no date) |
| Mortgage | 5-year Smart Fixed, ≤25-yr amortization | 5.14% | Special / advertised | BMO Bank of Montreal Mortgages: Rates, Prepayment, Penalties, HELOC | As shown on BMO’s rates page, read Nov 2, 2026 (page shows no date) |
| Mortgage | 5-year fixed (closed) | 6.090% | Posted | BMO Bank of Montreal Mortgages: Rates, Prepayment, Penalties, HELOC | As shown on BMO’s rates page, read Nov 2, 2026 (page shows no date) |
| Mortgage | 5-year variable (closed) | 4.700% | Posted | BMO Bank of Montreal Mortgages: Rates, Prepayment, Penalties, HELOC | As shown on BMO’s rates page, read Nov 2, 2026 (page shows no date) |
| Mortgage | 5-year variable, ≤25-yr amortization | 4.35% | Special / advertised | BMO Bank of Montreal Mortgages: Rates, Prepayment, Penalties, HELOC | As shown on BMO’s rates page, read Nov 2, 2026 (page shows no date) |
Bank Of Montreal
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 1 year, fixed | 5.33% | Best rate / Other rates from Bank Of Montreal, Ontario, via Homewise | BMO Mortgage Rates | Rates updated: Nov 14, 2026 |
| Mortgage | 1 year, fixed | 5.33% | fixed & variable rate mortgages in Ontario, via Homewise | Today's Mortgage Rates in Canada - NerdWallet Canada | Rates updated: Nov 14, 2026 |
| Mortgage | 10 year, fixed | 5.90% | fixed & variable rate mortgages in Ontario, via Homewise | Today's Mortgage Rates in Canada - NerdWallet Canada | Rates updated: Nov 14, 2026 |
| Mortgage | 2 year, fixed | 4.73% | Best rate / Other rates from Bank Of Montreal, Ontario, via Homewise | BMO Mortgage Rates | Rates updated: Nov 14, 2026 |
| Mortgage | 3 year, fixed | 4.53% | Best rate / Other rates from Bank Of Montreal, Ontario, via Homewise | BMO Mortgage Rates | Rates updated: Nov 14, 2026 |
| Mortgage | 3 year, fixed | 4.53% | fixed & variable rate mortgages in Ontario, via Homewise | Today's Mortgage Rates in Canada - NerdWallet Canada | Rates updated: Nov 14, 2026 |
| Mortgage | 4 year, fixed | 4.50% | Best rate / Other rates from Bank Of Montreal, Ontario, via Homewise | BMO Mortgage Rates | Rates updated: Nov 14, 2026 |
| Mortgage | 5 year variable | 3.85% | Best rate / Other rates from Bank Of Montreal, Ontario, via Homewise | BMO Mortgage Rates | Rates updated: Nov 14, 2026 |
| Mortgage | 5 year variable | 3.85% | fixed & variable rate mortgages in Ontario, via Homewise | Today's Mortgage Rates in Canada - NerdWallet Canada | Rates updated: Nov 14, 2026 |
| Mortgage | 5 year, fixed | 4.90% | Best rate / Other rates from Bank Of Montreal, Ontario, via Homewise | BMO Mortgage Rates | Rates updated: Nov 14, 2026 |
| Mortgage | 5 year, fixed | 4.90% | fixed & variable rate mortgages in Ontario, via Homewise | Today's Mortgage Rates in Canada - NerdWallet Canada | Rates updated: Nov 14, 2026 |
Big 6 Bank average
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 10-year fixed | 6.80 % | Big 6 Bank average mortgage rates | Today’s Mortgage Rates in Canada | Compare All Terms | nesto.ca | as of Saturday, November 14, 2026 |
| Mortgage | 2-year fixed | 5.12 % | Big 6 Bank average mortgage rates | Today’s Mortgage Rates in Canada | Compare All Terms | nesto.ca | as of Saturday, November 14, 2026 |
| Mortgage | 3-year fixed | 5.25 % | Big 6 Bank average mortgage rates | Today’s Mortgage Rates in Canada | Compare All Terms | nesto.ca | as of Saturday, November 14, 2026 |
| Mortgage | 3-year variable | 5.30 % | Big 6 Bank average mortgage rates | Today’s Mortgage Rates in Canada | Compare All Terms | nesto.ca | as of Saturday, November 14, 2026 |
| Mortgage | 4-year fixed | 5.59 % | Big 6 Bank average mortgage rates | Today’s Mortgage Rates in Canada | Compare All Terms | nesto.ca | as of Saturday, November 14, 2026 |
| Mortgage | 5-year fixed | 5.17 % | Big 6 Bank average mortgage rates | Today’s Mortgage Rates in Canada | Compare All Terms | nesto.ca | as of Saturday, November 14, 2026 |
| Mortgage | 5-year variable | 4.46 % | Big 6 Bank average mortgage rates | Today’s Mortgage Rates in Canada | Compare All Terms | nesto.ca | as of Saturday, November 14, 2026 |
| Mortgage | 7-year fixed | 5.89 % | Big 6 Bank average mortgage rates | Today’s Mortgage Rates in Canada | Compare All Terms | nesto.ca | as of Saturday, November 14, 2026 |
Big 6 Banks (average)
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 10-year fixed (average) | 6.80 % | Current Big 6 Bank average mortgage rates by term. The six largest lenders: TD, RBC, BMO, Scotiabank, CIBC, and National Bank. | Today's Mortgage Rates in Canada | Compare All Terms | nesto.ca | 2026-11-14 |
| Mortgage | 2-year fixed (average) | 5.12 % | Current Big 6 Bank average mortgage rates by term. The six largest lenders: TD, RBC, BMO, Scotiabank, CIBC, and National Bank. | Today's Mortgage Rates in Canada | Compare All Terms | nesto.ca | 2026-11-14 |
| Mortgage | 3-year fixed (average) | 5.25 % | Current Big 6 Bank average mortgage rates by term. The six largest lenders: TD, RBC, BMO, Scotiabank, CIBC, and National Bank. | Today's Mortgage Rates in Canada | Compare All Terms | nesto.ca | 2026-11-14 |
| Mortgage | 3-year variable (average) | 5.30 % | Current Big 6 Bank average mortgage rates by term. The six largest lenders: TD, RBC, BMO, Scotiabank, CIBC, and National Bank. | Today's Mortgage Rates in Canada | Compare All Terms | nesto.ca | 2026-11-14 |
| Mortgage | 4-year fixed (average) | 5.59 % | Current Big 6 Bank average mortgage rates by term. The six largest lenders: TD, RBC, BMO, Scotiabank, CIBC, and National Bank. | Today's Mortgage Rates in Canada | Compare All Terms | nesto.ca | 2026-11-14 |
| Mortgage | 5-year fixed (average) | 5.17 % | Current Big 6 Bank average mortgage rates by term. The six largest lenders: TD, RBC, BMO, Scotiabank, CIBC, and National Bank. | Today's Mortgage Rates in Canada | Compare All Terms | nesto.ca | 2026-11-14 |
| Mortgage | 5-year variable (average) | 4.46 % | Current Big 6 Bank average mortgage rates by term. The six largest lenders: TD, RBC, BMO, Scotiabank, CIBC, and National Bank. | Today's Mortgage Rates in Canada | Compare All Terms | nesto.ca | 2026-11-14 |
| Mortgage | 7-year fixed (average) | 5.89 % | Current Big 6 Bank average mortgage rates by term. The six largest lenders: TD, RBC, BMO, Scotiabank, CIBC, and National Bank. | Today's Mortgage Rates in Canada | Compare All Terms | nesto.ca | 2026-11-14 |
Bow Valley Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 5 year term, Mortgage Rate Promotional | 4.79% | Enjoy BVCU's Rates; Special rates are available for a limited time only | bowvalleycu - Personal & Business Banking |
Bridgewater Bank
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 3-year fixed (insurable) | 5.49% | 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 (uninsurable) | 5.49% | 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 | Bridgewater Bank Prime Rate | 4.70% | Prime Rate; Last date adjusted: October 30, 2026 | Gateway Mortgage Rates | Bridgewater Bank | Last date adjusted: October 30, 2026 |
| Mortgage | Gateway Alternative Mortgage 1-year term, credit score 500+, AIR | 6.14% | Gateway Alternative Mortgages; Credit score 500+; Max LTV 65%; Lender fee 1.0%; APR 7.23%; The rates shown are subject to full underwriting policy and may change without notice; Bridgewater Bank Gateway mortgages can be used for purchases, refinances or equity take-outs; Rate premiums may apply for well and septic, condos, rural locations, acreages, rental properties and 35-year amortization; AIR is compounded semi-annually, not in advance; APR is based on a $300,000 loan with a 30-year amortization and all applicable fees | Gateway Mortgage Rates | Bridgewater Bank | Our rates were last revised on October 19, 2026, and are effective as of today |
| Mortgage | Gateway Alternative Mortgage 1-year term, credit score 550+, AIR | 5.94% | Gateway Alternative Mortgages; Credit score 550+; Max LTV 80%; Lender fee 1.0%; APR 7.03%; The rates shown are subject to full underwriting policy and may change without notice; Bridgewater Bank Gateway mortgages can be used for purchases, refinances or equity take-outs; Rate premiums may apply for well and septic, condos, rural locations, acreages, rental properties and 35-year amortization; AIR is compounded semi-annually, not in advance; APR is based on a $300,000 loan with a 30-year amortization and all applicable fees | Gateway Mortgage Rates | Bridgewater Bank | Our rates were last revised on October 19, 2026, and are effective as of today |
| Mortgage | Gateway Alternative Mortgage 1-year term, credit score 600+, AIR | 5.64% | Gateway Alternative Mortgages; Credit score 600+; Max LTV 80%; Lender fee 1.0%; APR 6.74%; The rates shown are subject to full underwriting policy and may change without notice; Bridgewater Bank Gateway mortgages can be used for purchases, refinances or equity take-outs; Rate premiums may apply for well and septic, condos, rural locations, acreages, rental properties and 35-year amortization; AIR is compounded semi-annually, not in advance; APR is based on a $300,000 loan with a 30-year amortization and all applicable fees | Gateway Mortgage Rates | Bridgewater Bank | Our rates were last revised on October 19, 2026, and are effective as of today |
| Mortgage | Gateway Alternative Mortgage 1-year term, credit score 640+, AIR | 5.29% | Gateway Alternative Mortgages; Credit score 640+; Max LTV 80%; Lender fee 1.0%; APR 6.40%; The rates shown are subject to full underwriting policy and may change without notice; Bridgewater Bank Gateway mortgages can be used for purchases, refinances or equity take-outs; Rate premiums may apply for well and septic, condos, rural locations, acreages, rental properties and 35-year amortization; AIR is compounded semi-annually, not in advance; APR is based on a $300,000 loan with a 30-year amortization and all applicable fees | Gateway Mortgage Rates | Bridgewater Bank | Our rates were last revised on October 19, 2026, and are effective as of today |
| Mortgage | Gateway Alternative Mortgage 1-year term, credit score 680+, AIR | 5.14% | Gateway Alternative Mortgages; Credit score 680+; Max LTV 80%; Lender fee 1.0%; APR 6.25%; The rates shown are subject to full underwriting policy and may change without notice; Bridgewater Bank Gateway mortgages can be used for purchases, refinances or equity take-outs; Rate premiums may apply for well and septic, condos, rural locations, acreages, rental properties and 35-year amortization; AIR is compounded semi-annually, not in advance; APR is based on a $300,000 loan with a 30-year amortization and all applicable fees | Gateway Mortgage Rates | Bridgewater Bank | Our rates were last revised on October 19, 2026, and are effective as of today |
| Mortgage | Gateway Alternative Mortgage 2-year term, credit score 500+, AIR | 6.49% | Gateway Alternative Mortgages; Credit score 500+; Max LTV 65%; Lender fee 1.0%; APR 7.07%; The rates shown are subject to full underwriting policy and may change without notice; Bridgewater Bank Gateway mortgages can be used for purchases, refinances or equity take-outs; Rate premiums may apply for well and septic, condos, rural locations, acreages, rental properties and 35-year amortization; AIR is compounded semi-annually, not in advance; APR is based on a $300,000 loan with a 30-year amortization and all applicable fees | Gateway Mortgage Rates | Bridgewater Bank | Our rates were last revised on October 19, 2026, and are effective as of today |
| Mortgage | Gateway Alternative Mortgage 2-year term, credit score 550+, AIR | 6.24% | Gateway Alternative Mortgages; Credit score 550+; Max LTV 80%; Lender fee 1.0%; APR 6.83%; The rates shown are subject to full underwriting policy and may change without notice; Bridgewater Bank Gateway mortgages can be used for purchases, refinances or equity take-outs; Rate premiums may apply for well and septic, condos, rural locations, acreages, rental properties and 35-year amortization; AIR is compounded semi-annually, not in advance; APR is based on a $300,000 loan with a 30-year amortization and all applicable fees | Gateway Mortgage Rates | Bridgewater Bank | Our rates were last revised on October 19, 2026, and are effective as of today |
| Mortgage | Gateway Alternative Mortgage 2-year term, credit score 600+, AIR | 5.89% | Gateway Alternative Mortgages; Credit score 600+; Max LTV 80%; Lender fee 1.0%; APR 6.49%; The rates shown are subject to full underwriting policy and may change without notice; Bridgewater Bank Gateway mortgages can be used for purchases, refinances or equity take-outs; Rate premiums may apply for well and septic, condos, rural locations, acreages, rental properties and 35-year amortization; AIR is compounded semi-annually, not in advance; APR is based on a $300,000 loan with a 30-year amortization and all applicable fees | Gateway Mortgage Rates | Bridgewater Bank | Our rates were last revised on October 19, 2026, and are effective as of today |
| Mortgage | Gateway Alternative Mortgage 2-year term, credit score 640+, AIR | 5.64% | Gateway Alternative Mortgages; Credit score 640+; Max LTV 80%; Lender fee 1.0%; APR 6.24%; The rates shown are subject to full underwriting policy and may change without notice; Bridgewater Bank Gateway mortgages can be used for purchases, refinances or equity take-outs; Rate premiums may apply for well and septic, condos, rural locations, acreages, rental properties and 35-year amortization; AIR is compounded semi-annually, not in advance; APR is based on a $300,000 loan with a 30-year amortization and all applicable fees | Gateway Mortgage Rates | Bridgewater Bank | Our rates were last revised on October 19, 2026, and are effective as of today |
| Mortgage | Gateway Alternative Mortgage 2-year term, credit score 680+, AIR | 5.39% | Gateway Alternative Mortgages; Credit score 680+; Max LTV 80%; Lender fee 1.0%; APR 6.00%; The rates shown are subject to full underwriting policy and may change without notice; Bridgewater Bank Gateway mortgages can be used for purchases, refinances or equity take-outs; Rate premiums may apply for well and septic, condos, rural locations, acreages, rental properties and 35-year amortization; AIR is compounded semi-annually, not in advance; APR is based on a $300,000 loan with a 30-year amortization and all applicable fees | Gateway Mortgage Rates | Bridgewater Bank | Our rates were last revised on October 19, 2026, and are effective as of today |
| Mortgage | Gateway Alternative Mortgage 3-year term, credit score 500+, AIR | 6.59% | Gateway Alternative Mortgages; Credit score 500+; Max LTV 65%; Lender fee 1.0%; APR 7.00%; The rates shown are subject to full underwriting policy and may change without notice; Bridgewater Bank Gateway mortgages can be used for purchases, refinances or equity take-outs; Rate premiums may apply for well and septic, condos, rural locations, acreages, rental properties and 35-year amortization; AIR is compounded semi-annually, not in advance; APR is based on a $300,000 loan with a 30-year amortization and all applicable fees | Gateway Mortgage Rates | Bridgewater Bank | Our rates were last revised on October 19, 2026, and are effective as of today |
| Mortgage | Gateway Alternative Mortgage 3-year term, credit score 550+, AIR | 6.34% | Gateway Alternative Mortgages; Credit score 550+; Max LTV 80%; Lender fee 1.0%; APR 6.76%; The rates shown are subject to full underwriting policy and may change without notice; Bridgewater Bank Gateway mortgages can be used for purchases, refinances or equity take-outs; Rate premiums may apply for well and septic, condos, rural locations, acreages, rental properties and 35-year amortization; AIR is compounded semi-annually, not in advance; APR is based on a $300,000 loan with a 30-year amortization and all applicable fees | Gateway Mortgage Rates | Bridgewater Bank | Our rates were last revised on October 19, 2026, and are effective as of today |
| Mortgage | Gateway Alternative Mortgage 3-year term, credit score 600+, AIR | 5.99% | Gateway Alternative Mortgages; Credit score 600+; Max LTV 80%; Lender fee 1.0%; APR 6.42%; The rates shown are subject to full underwriting policy and may change without notice; Bridgewater Bank Gateway mortgages can be used for purchases, refinances or equity take-outs; Rate premiums may apply for well and septic, condos, rural locations, acreages, rental properties and 35-year amortization; AIR is compounded semi-annually, not in advance; APR is based on a $300,000 loan with a 30-year amortization and all applicable fees | Gateway Mortgage Rates | Bridgewater Bank | Our rates were last revised on October 19, 2026, and are effective as of today |
| Mortgage | Gateway Alternative Mortgage 3-year term, credit score 640+, AIR | 5.74% | Gateway Alternative Mortgages; Credit score 640+; Max LTV 80%; Lender fee 1.0%; APR 6.17%; The rates shown are subject to full underwriting policy and may change without notice; Bridgewater Bank Gateway mortgages can be used for purchases, refinances or equity take-outs; Rate premiums may apply for well and septic, condos, rural locations, acreages, rental properties and 35-year amortization; AIR is compounded semi-annually, not in advance; APR is based on a $300,000 loan with a 30-year amortization and all applicable fees | Gateway Mortgage Rates | Bridgewater Bank | Our rates were last revised on October 19, 2026, and are effective as of today |
| Mortgage | Gateway Alternative Mortgage 3-year term, credit score 680+, AIR | 5.49% | Gateway Alternative Mortgages; Credit score 680+; Max LTV 80%; Lender fee 1.0%; APR 5.93%; The rates shown are subject to full underwriting policy and may change without notice; Bridgewater Bank Gateway mortgages can be used for purchases, refinances or equity take-outs; Rate premiums may apply for well and septic, condos, rural locations, acreages, rental properties and 35-year amortization; AIR is compounded semi-annually, not in advance; APR is based on a $300,000 loan with a 30-year amortization and all applicable fees | Gateway Mortgage Rates | Bridgewater Bank | Our rates were last revised on October 19, 2026, and are effective as of today |
Butler Mortgage
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 10-YEAR fixed | 5.39% | these are the broker's published rates, Fixed Mortgage Rates | Mortgage Rates Ontario - Butler Mortgage | |
| Mortgage | 2-YEAR fixed | 4.44% | these are the broker's published rates, Fixed Mortgage Rates | Mortgage Rates Ontario - Butler Mortgage | |
| Mortgage | 3-YEAR fixed | 4.49% | these are the broker's published rates, Fixed Mortgage Rates | Mortgage Rates Ontario - Butler Mortgage | |
| Mortgage | 3-YEAR variable | 3.75% | these are the broker's published rates, Variable Mortgage Rates | Mortgage Rates Ontario - Butler Mortgage | |
| Mortgage | 3-year fixed (insured) | 4.49% | fixed rate via a broker channel, as published by the source. | WOWA: Best Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 4-YEAR fixed | 4.54% | these are the broker's published rates, Fixed Mortgage Rates | Mortgage Rates Ontario - Butler Mortgage | |
| Mortgage | 5-YEAR fixed | 4.44% | these are the broker's published rates, Fixed Mortgage Rates | Mortgage Rates Ontario - Butler Mortgage | |
| Mortgage | 5-YEAR variable | 3.60% | these are the broker's published rates, Variable Mortgage Rates | Mortgage Rates Ontario - Butler Mortgage | |
| Mortgage | 5-year fixed (insured) | 4.44% | fixed rate via a broker channel, as published by the source. | WOWA: Best 5-Year Fixed Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 6-MTH fixed | 3.89% | these are the broker's published rates, Fixed Mortgage Rates | Mortgage Rates Ontario - Butler Mortgage | |
| Mortgage | 6-month (fixed) | 3.89% | Current Butler Mortgage rates | Butler Mortgage Rates | This table is updated daily on weekdays using data available on Butler Mortgage's website. |
| Mortgage | 7-YEAR fixed | 5.29% | these are the broker's published rates, Fixed Mortgage Rates | Mortgage Rates Ontario - Butler Mortgage | |
| HELOC | HELOC | 4.95% | these are the broker's published rates, Variable Mortgage Rates | Mortgage Rates Ontario - Butler Mortgage |
CIBC
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 1-year fixed (Bank Rate) | 4.99% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 1-year fixed (Bank Rate, posted) | 4.99% | Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. Updated 11:04 on Nov 14, 2026 | Halal mortgages in Canada | RATESDOTCA | 2026-11-14 |
| Mortgage | 1-year fixed (special offer) Promotional | 5.09% | fixed rate via a bank channel, as published by the source. | BankMortgages.ca: Big-Bank Mortgage Penalties and Rates, Compared | 2026-11-02 |
| Mortgage | 3-year fixed (Bank Rate) | 4.39% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 3-year fixed (Bank Rate, posted) | 4.39% | Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. Updated 11:04 on Nov 14, 2026 | Halal mortgages in Canada | RATESDOTCA | 2026-11-14 |
| Mortgage | 3-year fixed (broker channel) | 5.09% | fixed rate via a bank channel, as published by the source. | Ratehub.ca: Broker Mortgage Rates | 2026-11-13 |
| Mortgage | 3-year fixed (insurable) | 5.09% | 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) | 5.09% | 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) | 5.09% | fixed rate via a bank channel, as published by the source. | WOWA: Best Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 3-year fixed (special offer) Promotional | 5.09% | fixed rate via a bank channel, as published by the source. | BankMortgages.ca: Big-Bank Mortgage Penalties and Rates, Compared | 2026-11-02 |
| Mortgage | 3-year fixed (uninsurable) | 5.09% | 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 | 3-year fixed, ≤25-yr amortization | 5.09% | Special / advertised | CIBC Mortgages: Rates, Prepayment, Penalties, HELOC | BankMortgages.ca | As shown on CIBC’s rates page, prime “as of November 2, 2026” |
| Mortgage | 3-year variable, ≤25-yr amortization | 4.40% | Special / advertised | CIBC Mortgages: Rates, Prepayment, Penalties, HELOC | BankMortgages.ca | As shown on CIBC’s rates page, prime “as of November 2, 2026” |
| Mortgage | 5-year fixed (Bank Rate) | 4.19% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 5-year fixed (Bank Rate, posted) | 4.19% | Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. Updated 11:04 on Nov 14, 2026 | Halal mortgages in Canada | RATESDOTCA | 2026-11-14 |
| Mortgage | 5-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 | 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) | 6.49% | 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) | 6.49% | fixed rate via a bank channel, as published by the source. | NerdWallet Canada: 5-Year Fixed Mortgage Rates in Canada | 2026-11-14 |
| Mortgage | 5-year fixed (special offer) Promotional | 5.34% | 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) | 5.34% | Best 5-Year Fixed Mortgage Rates Canada from 4.25% | WOWA.ca | As of November 13, 2026 | |
| Mortgage | 5-year fixed (uninsured) | 5.34% | 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, high ratio | 4.99% | Special / advertised | CIBC Mortgages: Rates, Prepayment, Penalties, HELOC | BankMortgages.ca | As shown on CIBC’s rates page, prime “as of November 2, 2026” |
| Mortgage | 5-year fixed, ≤25-yr amortization | 5.34% | Special / advertised | CIBC Mortgages: Rates, Prepayment, Penalties, HELOC | BankMortgages.ca | As shown on CIBC’s rates page, prime “as of November 2, 2026” |
| Mortgage | 5-year variable (broker channel) | 4.3% | variable rate via a bank channel, as published by the source. | Ratehub.ca: Broker Mortgage Rates | 2026-11-13 |
| Mortgage | Prime rate | 4.70% | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | As of November 14, 2026 |
CMLS
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 3-year fixed (insurable) | 5.44% | 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) | 4.84% | 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) | 4.84% | fixed rate via a monoline channel, as published by the source. | WOWA: Best Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 5-year fixed (insured) | 4.94% | 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) | 4.94% | fixed rate via a monoline channel, as published by the source. | WOWA: Best 5-Year Fixed Mortgage Rates in Canada | 2026-11-13 |
Caisse Alliance
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 12 months - closed Promotional | 5.24% | Special Offers Mortgage Rates; APR 5.865% | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| Mortgage | 12 months - closed | 5.74% | Posted Mortgage Rates; APR 6.115% | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| Mortgage | 12 months - open Promotional | 9.75% | Special Offers Mortgage Rates; APR 10.128% | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| Mortgage | 12 months - open | 9.75% | Posted Mortgage Rates; APR 10.128% | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| Mortgage | 24 months - closed Promotional | 5,04% | Special Offers Mortgage Rates; APR 5.236% | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| Mortgage | 24 months - closed | 5.49% | Posted Mortgage Rates; APR 5.687% | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| Mortgage | 3-year fixed (insurable) | 5.14% | 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) | 4.84% | 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) | 4.84% | fixed rate via a credit union channel, as published by the source. | WOWA: Best Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 3-year fixed (uninsurable) | 5.14% | 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 | 36 months - Insured/closed Promotional | 4.84% | Special Offers Mortgage Rates; APR 4.840% | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| Mortgage | 36 months - closed Promotional | 5,14% | Special Offers Mortgage Rates; APR 5,274% | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| Mortgage | 36 months - closed | 6.19% | Posted Mortgage Rates; APR 6.325% | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| Mortgage | 48 months - closed Promotional | 5,14% | Special Offers Mortgage Rates; APR 5.242% | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| Mortgage | 48 months - closed | 6.29% | Posted Mortgage Rates; APR 6.393% | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| Mortgage | 5-year fixed (insured) | 4.94% | 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) | 4.94% | fixed rate via a credit union channel, as published by the source. | WOWA: Best 5-Year Fixed Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 60 months - Insured/closed Promotional | 4.94% | Special Offers Mortgage Rates; APR 4.940% | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| Mortgage | 60 months - closed Promotional | 5,24% | Special Offers Mortgage Rates; APR 5.323% | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| Mortgage | 60 months - closed | 6.49% | Posted Mortgage Rates; APR 6.574% | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| Mortgage | 84 months - closed Promotional | 5.49% | Special Offers Mortgage Rates; APR 5.551% | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| Mortgage | 84 months - closed | 6.40% | Posted Mortgage Rates; APR 6.461% | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
Cambrian Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 3 Year Fixed | 4.19% | Mortgage Rates | Cambrian |
Canada average
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 3-year fixed (uninsured) | 5.25% | Canada’s average uninsured | Today’s Mortgage Rates in Canada | Compare All Terms | nesto.ca | as of Saturday, November 14, 2026 |
| Mortgage | 3-year variable (uninsured) | 4.88% | the uninsured average | Today’s Mortgage Rates in Canada | Compare All Terms | nesto.ca | as of Saturday, November 14, 2026 |
| Mortgage | 5-year fixed (uninsured) | 5.37% | Canada’s average uninsured | Today’s Mortgage Rates in Canada | Compare All Terms | nesto.ca | as of Saturday, November 14, 2026 |
| Mortgage | 5-year variable (uninsured) | 4.53% | the uninsured average | Today’s Mortgage Rates in Canada | Compare All Terms | nesto.ca | as of Saturday, November 14, 2026 |
Canadian Lender
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 5-year variable | Prime - 1.05% | Ratehub.ca Exclusive (summary table as printed) | Best mortgage rates Canada | Compare Canada mortgage rates | Ratehub.ca | Best mortgage rates in Canada as of November 13, 2026 |
Coast Capital Savings
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 1-Year Fixed Rate - Closed (More than 25 Year Amortization) | 5.440% | Broker Rates; Mortgage rates and approval based on risk profile. Interest rates are subject to change without notice. Conventional Fixed Rate Mortgages | Broker Mortgage Rates & Lending Guidelines | Coast Capital | Coast Capital Savings | Rate effective 09-Nov-26 |
| Mortgage | 1-Year Fixed Rate - Closed (Up to 25 Year Amortization) | 5.340% | Broker Rates; Mortgage rates and approval based on risk profile. Interest rates are subject to change without notice. Conventional Fixed Rate Mortgages | Broker Mortgage Rates & Lending Guidelines | Coast Capital | Coast Capital Savings | Rate effective 09-Nov-26 |
| Mortgage | 1-Year Fixed Rate - Open (More than 25 Year Amortization) | 6.940% | Broker Rates; Mortgage rates and approval based on risk profile. Interest rates are subject to change without notice. Conventional Fixed Rate Mortgages | Broker Mortgage Rates & Lending Guidelines | Coast Capital | Coast Capital Savings | Rate effective 09-Nov-26 |
| Mortgage | 1-Year Fixed Rate - Open (Up to 25 Year Amortization) | 6.540% | Broker Rates; Mortgage rates and approval based on risk profile. Interest rates are subject to change without notice. Conventional Fixed Rate Mortgages | Broker Mortgage Rates & Lending Guidelines | Coast Capital | Coast Capital Savings | Rate effective 09-Nov-26 |
| Mortgage | 1-Year Variable Rate - Open (Up to 25 Year Amortization) | 5.600% | Broker Rates; Mortgage rates and approval based on risk profile. Interest rates are subject to change without notice. Conventional Variable Rate Mortgages; More than 25 Year Amortization printed as N/A | Broker Mortgage Rates & Lending Guidelines | Coast Capital | Coast Capital Savings | Rate effective 09-Nov-26 |
| Mortgage | 10-Year Fixed Rate - Closed (More than 25 Year Amortization) | 5.830% | Broker Rates; Mortgage rates and approval based on risk profile. Interest rates are subject to change without notice. Conventional Fixed Rate Mortgages | Broker Mortgage Rates & Lending Guidelines | Coast Capital | Coast Capital Savings | Rate effective 09-Nov-26 |
| Mortgage | 10-Year Fixed Rate - Closed (Up to 25 Year Amortization) | 5.730% | Broker Rates; Mortgage rates and approval based on risk profile. Interest rates are subject to change without notice. Conventional Fixed Rate Mortgages | Broker Mortgage Rates & Lending Guidelines | Coast Capital | Coast Capital Savings | Rate effective 09-Nov-26 |
| Mortgage | 2-Year Fixed Rate - Closed (More than 25 Year Amortization) | 5.030% | Broker Rates; Mortgage rates and approval based on risk profile. Interest rates are subject to change without notice. Conventional Fixed Rate Mortgages | Broker Mortgage Rates & Lending Guidelines | Coast Capital | Coast Capital Savings | Rate effective 09-Nov-26 |
| Mortgage | 2-Year Fixed Rate - Closed (Up to 25 Year Amortization) | 4.930% | Broker Rates; Mortgage rates and approval based on risk profile. Interest rates are subject to change without notice. Conventional Fixed Rate Mortgages | Broker Mortgage Rates & Lending Guidelines | Coast Capital | Coast Capital Savings | Rate effective 09-Nov-26 |
| Mortgage | 3-Year Fixed Rate - Closed (More than 25 Year Amortization) | 5.130% | Broker Rates; Mortgage rates and approval based on risk profile. Interest rates are subject to change without notice. Conventional Fixed Rate Mortgages | Broker Mortgage Rates & Lending Guidelines | Coast Capital | Coast Capital Savings | Rate effective 09-Nov-26 |
| Mortgage | 3-Year Fixed Rate - Closed (Up to 25 Year Amortization) | 5.030% | Broker Rates; Mortgage rates and approval based on risk profile. Interest rates are subject to change without notice. Conventional Fixed Rate Mortgages | Broker Mortgage Rates & Lending Guidelines | Coast Capital | Coast Capital Savings | Rate effective 09-Nov-26 |
| Mortgage | 4-Year Fixed Rate - Closed (More than 25 Year Amortization) | 5.240% | Broker Rates; Mortgage rates and approval based on risk profile. Interest rates are subject to change without notice. Conventional Fixed Rate Mortgages | Broker Mortgage Rates & Lending Guidelines | Coast Capital | Coast Capital Savings | Rate effective 09-Nov-26 |
| Mortgage | 4-Year Fixed Rate - Closed (Up to 25 Year Amortization) | 5.140% | Broker Rates; Mortgage rates and approval based on risk profile. Interest rates are subject to change without notice. Conventional Fixed Rate Mortgages | Broker Mortgage Rates & Lending Guidelines | Coast Capital | Coast Capital Savings | Rate effective 09-Nov-26 |
| Mortgage | 5-Year Fixed High Ratio Rate | 4.710% | Broker Rates; Mortgage rates and approval based on risk profile. Interest rates are subject to change without notice. Insured Mortgage Rates | Broker Mortgage Rates & Lending Guidelines | Coast Capital | Coast Capital Savings | Rate effective 09-Nov-26 |
| Mortgage | 5-Year Fixed Insurable Rate | 4.960% | Broker Rates; Mortgage rates and approval based on risk profile. Interest rates are subject to change without notice. Insurable Mortgage Rates | Broker Mortgage Rates & Lending Guidelines | Coast Capital | Coast Capital Savings | Rate effective 09-Nov-26 |
| Mortgage | 5-Year Fixed Rate - Closed (More than 25 Year Amortization) | 5.360% | Broker Rates; Mortgage rates and approval based on risk profile. Interest rates are subject to change without notice. Conventional Fixed Rate Mortgages | Broker Mortgage Rates & Lending Guidelines | Coast Capital | Coast Capital Savings | Rate effective 09-Nov-26 |
| Mortgage | 5-Year Fixed Rate - Closed (Up to 25 Year Amortization) | 5.260% | Broker Rates; Mortgage rates and approval based on risk profile. Interest rates are subject to change without notice. Conventional Fixed Rate Mortgages | Broker Mortgage Rates & Lending Guidelines | Coast Capital | Coast Capital Savings | Rate effective 09-Nov-26 |
| Mortgage | 5-Year Variable High Ratio Rate | 4.010% | Broker Rates; Mortgage rates and approval based on risk profile. Interest rates are subject to change without notice. Insured Mortgage Rates | Broker Mortgage Rates & Lending Guidelines | Coast Capital | Coast Capital Savings | Rate effective 09-Nov-26 |
| Mortgage | 5-Year Variable Insurable Rate | 4.260% | Broker Rates; Mortgage rates and approval based on risk profile. Interest rates are subject to change without notice. Insurable Mortgage Rates | Broker Mortgage Rates & Lending Guidelines | Coast Capital | Coast Capital Savings | Rate effective 09-Nov-26 |
| Mortgage | 5-Year Variable Rate - Closed (More than 25 Year Amortization) | 4.510% | Broker Rates; Mortgage rates and approval based on risk profile. Interest rates are subject to change without notice. Conventional Variable Rate Mortgages | Broker Mortgage Rates & Lending Guidelines | Coast Capital | Coast Capital Savings | Rate effective 09-Nov-26 |
| Mortgage | 5-Year Variable Rate - Closed (Up to 25 Year Amortization) | 4.410% | Broker Rates; Mortgage rates and approval based on risk profile. Interest rates are subject to change without notice. Conventional Variable Rate Mortgages | Broker Mortgage Rates & Lending Guidelines | Coast Capital | Coast Capital Savings | Rate effective 09-Nov-26 |
| Mortgage | 6-Year Fixed Rate - Closed (More than 25 Year Amortization) | 5.420% | Broker Rates; Mortgage rates and approval based on risk profile. Interest rates are subject to change without notice. Conventional Fixed Rate Mortgages | Broker Mortgage Rates & Lending Guidelines | Coast Capital | Coast Capital Savings | Rate effective 09-Nov-26 |
| Mortgage | 6-Year Fixed Rate - Closed (Up to 25 Year Amortization) | 5.320% | Broker Rates; Mortgage rates and approval based on risk profile. Interest rates are subject to change without notice. Conventional Fixed Rate Mortgages | Broker Mortgage Rates & Lending Guidelines | Coast Capital | Coast Capital Savings | Rate effective 09-Nov-26 |
| Mortgage | 7-Year Fixed Rate - Closed (More than 25 Year Amortization) | 5.500% | Broker Rates; Mortgage rates and approval based on risk profile. Interest rates are subject to change without notice. Conventional Fixed Rate Mortgages | Broker Mortgage Rates & Lending Guidelines | Coast Capital | Coast Capital Savings | Rate effective 09-Nov-26 |
| Mortgage | 7-Year Fixed Rate - Closed (Up to 25 Year Amortization) | 5.400% | Broker Rates; Mortgage rates and approval based on risk profile. Interest rates are subject to change without notice. Conventional Fixed Rate Mortgages | Broker Mortgage Rates & Lending Guidelines | Coast Capital | Coast Capital Savings | Rate effective 09-Nov-26 |
| Mortgage | 8-Year Fixed Rate - Closed (More than 25 Year Amortization) | 5.610% | Broker Rates; Mortgage rates and approval based on risk profile. Interest rates are subject to change without notice. Conventional Fixed Rate Mortgages | Broker Mortgage Rates & Lending Guidelines | Coast Capital | Coast Capital Savings | Rate effective 09-Nov-26 |
| Mortgage | 8-Year Fixed Rate - Closed (Up to 25 Year Amortization) | 5.510% | Broker Rates; Mortgage rates and approval based on risk profile. Interest rates are subject to change without notice. Conventional Fixed Rate Mortgages | Broker Mortgage Rates & Lending Guidelines | Coast Capital | Coast Capital Savings | Rate effective 09-Nov-26 |
| Mortgage | 9-Year Fixed Rate - Closed (More than 25 Year Amortization) | 5.720% | Broker Rates; Mortgage rates and approval based on risk profile. Interest rates are subject to change without notice. Conventional Fixed Rate Mortgages | Broker Mortgage Rates & Lending Guidelines | Coast Capital | Coast Capital Savings | Rate effective 09-Nov-26 |
| Mortgage | 9-Year Fixed Rate - Closed (Up to 25 Year Amortization) | 5.620% | Broker Rates; Mortgage rates and approval based on risk profile. Interest rates are subject to change without notice. Conventional Fixed Rate Mortgages | Broker Mortgage Rates & Lending Guidelines | Coast Capital | Coast Capital Savings | Rate effective 09-Nov-26 |
| Mortgage | Bank of Canada 5 Year Fixed Qualifying Rate | 5.250% | Broker Rates; Mortgage rates and approval based on risk profile. Interest rates are subject to change without notice. Printed in both the Insured Mortgage Rates and Insurable Mortgage Rates tables | Broker Mortgage Rates & Lending Guidelines | Coast Capital | Coast Capital Savings | Rate effective 09-Nov-26 |
| Mortgage | CCS Prime | 4.70% | Broker Rates; Mortgage rates and approval based on risk profile. Interest rates are subject to change without notice. Prime Rate table | Broker Mortgage Rates & Lending Guidelines | Coast Capital | Coast Capital Savings | Date of change 29-Oct-26 |
| HELOC | HELOC | 5.200% | Broker Rates; Mortgage rates and approval based on risk profile. Interest rates are subject to change without notice. Home Equity Line of Credit (HELOC) | Broker Mortgage Rates & Lending Guidelines | Coast Capital | Coast Capital Savings | Rate effective 29-Oct-26 |
Community Trust
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 3-year fixed (insurable) | 5.75% | 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) | 5.75% | 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) | 5.75% | fixed rate via a monoline channel, as published by the source. | WOWA: Best Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 3-year fixed (uninsurable) | 5.75% | 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 fixed (insured) | 5.69% | 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) | 5.69% | fixed rate via a monoline channel, as published by the source. | WOWA: Best 5-Year Fixed Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | Automatic Renewal Rate 6 Months Open | 10.99% | Automatic Renewal Rate; All Rates are subject to borrowers meeting Community Trust's lending criteria (this may include your credit score, income and property location) and are subject to change without notice | Mortgage Rates & Fees | October 29, 2026 |
| Mortgage | Community Trust Prime Lending Rate | 4.70% | Prime Lending Rate; Residential lending rates are determined on a case-by-case basis | Mortgage Rates & Fees | October 29, 2026 |
| Mortgage | Posted Mortgage Rate 1 Year Closed | 5.24% | Posted Mortgage Rates; Term (Closed); Residential lending rates are determined on a case-by-case basis; All Rates are subject to borrowers meeting Community Trust's lending criteria (this may include your credit score, income and property location) and are subject to change without notice | Mortgage Rates & Fees | October 29, 2026 |
| Mortgage | Posted Mortgage Rate 2 Years Closed | 5.24% | Posted Mortgage Rates; Term (Closed); Residential lending rates are determined on a case-by-case basis; All Rates are subject to borrowers meeting Community Trust's lending criteria (this may include your credit score, income and property location) and are subject to change without notice | Mortgage Rates & Fees | October 29, 2026 |
| Mortgage | Posted Mortgage Rate 3 Years Closed | 5.75% | Posted Mortgage Rates; Term (Closed); Residential lending rates are determined on a case-by-case basis; All Rates are subject to borrowers meeting Community Trust's lending criteria (this may include your credit score, income and property location) and are subject to change without notice | Mortgage Rates & Fees | October 29, 2026 |
| Mortgage | Posted Mortgage Rate 4 Years Closed | 5.59% | Posted Mortgage Rates; Term (Closed); Residential lending rates are determined on a case-by-case basis; All Rates are subject to borrowers meeting Community Trust's lending criteria (this may include your credit score, income and property location) and are subject to change without notice | Mortgage Rates & Fees | October 29, 2026 |
| Mortgage | Posted Mortgage Rate 5 Years Closed | 5.69% | Posted Mortgage Rates; Term (Closed); Residential lending rates are determined on a case-by-case basis; All Rates are subject to borrowers meeting Community Trust's lending criteria (this may include your credit score, income and property location) and are subject to change without notice | Mortgage Rates & Fees | October 29, 2026 |
Conexus Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 1 year closed | 4.89% | Value Mortgage rates | Mortgage Rates | |
| Mortgage | 1 year closed | 5.24% | Flex Feature Mortgage, Fixed mortgage | Mortgage Rates | |
| Mortgage | 1 year closed | 5.34% | 30 year amortization | Mortgage Rates | |
| Mortgage | 1 year closed | 5.49% | Board rates | Mortgage Rates | |
| Mortgage | 1 year open | 7.59% | Flex Feature Mortgage, Fixed mortgage | Mortgage Rates | |
| Mortgage | 1 year open | 9.75% | Board rates | Mortgage Rates | |
| Mortgage | 1 year variable closed | 4.04% | Flex Feature Mortgage, Variable mortgage | Mortgage Rates | |
| Mortgage | 1 year variable closed | 4.70% | Board rates, variable | Mortgage Rates | |
| Mortgage | 2 year closed | 4.49% | Value Mortgage rates | Mortgage Rates | |
| Mortgage | 2 year closed | 4.84% | Flex Feature Mortgage, Fixed mortgage | Mortgage Rates | |
| Mortgage | 2 year closed | 4.94% | 30 year amortization | Mortgage Rates | |
| Mortgage | 2 year closed | 5.09% | Board rates | Mortgage Rates | |
| Mortgage | 2 year variable closed | 4.04% | Flex Feature Mortgage, Variable mortgage | Mortgage Rates | |
| Mortgage | 2 year variable closed | 4.70% | Board rates, variable | Mortgage Rates | |
| Mortgage | 3 year closed | 4.59% | Value Mortgage rates | Mortgage Rates | |
| Mortgage | 3 year closed | 4.94% | Flex Feature Mortgage, Fixed mortgage | Mortgage Rates | |
| Mortgage | 3 year closed | 5.04% | 30 year amortization | Mortgage Rates | |
| Mortgage | 3 year closed | 6.05% | Board rates | Mortgage Rates | |
| Mortgage | 3 year variable closed | 4.04% | Flex Feature Mortgage, Variable mortgage | Mortgage Rates | |
| Mortgage | 3 year variable closed | 4.70% | Board rates, variable | Mortgage Rates | |
| Mortgage | 4 year closed | 4.69% | Value Mortgage rates | Mortgage Rates | |
| Mortgage | 4 year closed | 5.04% | Flex Feature Mortgage, Fixed mortgage | Mortgage Rates | |
| Mortgage | 4 year closed | 5.14% | 30 year amortization | Mortgage Rates | |
| Mortgage | 4 year closed | 5.99% | Board rates | Mortgage Rates | |
| Mortgage | 4 year variable closed | 4.04% | Flex Feature Mortgage, Variable mortgage | Mortgage Rates | |
| Mortgage | 4 year variable closed | 4.70% | Board rates, variable | Mortgage Rates | |
| Mortgage | 5 year closed | 4.59% | Value Mortgage rates | Mortgage Rates | |
| Mortgage | 5 year closed | 4.94% | Flex Feature Mortgage, Fixed mortgage | Mortgage Rates | |
| Mortgage | 5 year closed | 5.04% | 30 year amortization | Mortgage Rates | |
| Mortgage | 5 year closed | 6.09% | Board rates | Mortgage Rates | |
| Mortgage | 5 year variable closed | 4.04% | Flex Feature Mortgage, Variable mortgage | Mortgage Rates | |
| Mortgage | 5 year variable closed | 4.70% | Board rates, variable | Mortgage Rates | |
| Mortgage | 6 month closed | 5.24% | Flex Feature Mortgage, Fixed mortgage | Mortgage Rates | |
| Mortgage | 6 month closed | 5.49% | Board rates | Mortgage Rates | |
| Mortgage | 6 month open | 7.59% | Flex Feature Mortgage, Fixed mortgage | Mortgage Rates | |
| Mortgage | 6 month open | 9.75% | Board rates | Mortgage Rates |
DUCA
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 1 Year (Open) | 9.99% | First Rate 2nd Mortgage; DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 1 Year (Open) | 9.99% | Co-op and Co-ownership Mortgage; DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 1 Year Fixed Closed | 5.14% | Low Rate Mortgage (Insured High Ratio); DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 1 Year Fixed Closed | 5.84% | First Rate 2nd Mortgage; DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 1 Year Fixed Closed | 6.24% | Co-op and Co-ownership Mortgage; DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 2 Year Fixed Closed | 5.04% | Low Rate Mortgage (Insured High Ratio); DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 2 Year Fixed Closed | 5.74% | First Rate 2nd Mortgage; DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 2 Year Fixed Closed | 6.14% | Co-op and Co-ownership Mortgage; DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 3 Year Adjustable Rate Mortgage | 4.20% | Low Rate Mortgage (Insured High Ratio); DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 3 Year Adjustable Rate Mortgage | 5.35% | First Rate 2nd Mortgage; DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 3 Year Fixed Closed | 4.49% | Low Rate Mortgage (Insured High Ratio); DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 3 Year Fixed Closed | 4.79% | First Rate 2nd Mortgage; DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 3 Year Fixed Closed | 5.19% | Co-op and Co-ownership Mortgage; DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 3 Year Variable Rate | 4.70% | Low Rate Mortgage (Insured High Ratio); DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 3 Year Variable Rate | 5.50% | First Rate 2nd Mortgage; DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 3-year fixed (insured) | 4.49% | fixed rate via a credit union channel, as published by the source. | WOWA: Best Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 4 Year Fixed Closed | 4.69% | Low Rate Mortgage (Insured High Ratio); DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 4 Year Fixed Closed | 5.39% | First Rate 2nd Mortgage; DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 4 Year Fixed Closed | 5.79% | Co-op and Co-ownership Mortgage; DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 5 Year Adjustable Rate Mortgage | 3.75% | Low Rate Mortgage (Insured High Ratio); DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 5 Year Adjustable Rate Mortgage | 5.10% | First Rate 2nd Mortgage; DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 5 Year Fixed Closed | 4.39% | Low Rate Mortgage (Insured High Ratio); DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 5 Year Fixed Closed | 5.09% | First Rate 2nd Mortgage; DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 5 Year Fixed Closed | 5.49% | Co-op and Co-ownership Mortgage; DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 5 Year Variable Rate | 4.45% | Low Rate Mortgage (Insured High Ratio); DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 5 Year Variable Rate | 5.25% | First Rate 2nd Mortgage; DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 5-year fixed (insured) | 4.39% | fixed rate via a credit union channel, as published by the source. | WOWA: Best 5-Year Fixed Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 6 Month (Convertible) | 9.99% | First Rate 2nd Mortgage; DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 6 Month (Convertible) | 9.99% | Co-op and Co-ownership Mortgage; DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 6 Months Convertible | 9.99% | Low Rate Mortgage (Insured High Ratio); DUCA's Prime Rate: 4.70% | Rates | |
| HELOC | HELOC | 5.20% | Prime + 0.50% | Best Canada HELOC Rates - 4.45% | WOWA.ca | As of November 14th, 2026 |
| HELOC | HELOC (variable) | 5.20% (Prime + 0.50%) | Rates may be public lender rates, lender-submitted rates, or broker-sourced rates. Broker-sourced rates may not be available directly from the lender. HELOC rates are variable interest rates that are based on your lender's prime rate. Minimum monthly payment is estimated as an interest-only payment based on the drawn HELOC amount. | Best Canada HELOC Rates - 4.45% | WOWA.ca | 2026-11-14 |
| HELOC | PrimeLine Line of Credit - Secured - Owner Occupied Residential Real Estate | 5.20% | PrimeLine Line of Credit | Rates |
Desjardins
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 1-year fixed closed | 5.79% | Closed fixed-rate mortgage | Canadian Mortgage Rates: Fixed and Variable Rates - Desjardins | No date printed on page; captured 2026-11-14 |
| Mortgage | 1-year fixed open | 9.50% | Open fixed-rate mortgage | Canadian Mortgage Rates: Fixed and Variable Rates - Desjardins | No date printed on page; captured 2026-11-14 |
| Mortgage | 1-year variable open | 5.95% | Open regular variable-rate mortgage | Canadian Mortgage Rates: Fixed and Variable Rates - Desjardins | No date printed on page; captured 2026-11-14 |
| Mortgage | 10-year fixed closed | 6.99% | Closed fixed-rate mortgage | Canadian Mortgage Rates: Fixed and Variable Rates - Desjardins | No date printed on page; captured 2026-11-14 |
| Mortgage | 2-year fixed closed | 5.84% | Closed fixed-rate mortgage | Canadian Mortgage Rates: Fixed and Variable Rates - Desjardins | No date printed on page; captured 2026-11-14 |
| Mortgage | 2-year variable open | 5.95% | Open regular variable-rate mortgage | Canadian Mortgage Rates: Fixed and Variable Rates - Desjardins | No date printed on page; captured 2026-11-14 |
| Mortgage | 3-year fixed closed | 6.14% | Closed fixed-rate mortgage | Canadian Mortgage Rates: Fixed and Variable Rates - Desjardins | No date printed on page; captured 2026-11-14 |
| Mortgage | 4-year fixed closed | 6.19% | Closed fixed-rate mortgage | Canadian Mortgage Rates: Fixed and Variable Rates - Desjardins | No date printed on page; captured 2026-11-14 |
| Mortgage | 4-year fixed closed (special) | 4.94% | Closed fixed-rate mortgage; 4 years (special rate) | Canadian Mortgage Rates: Fixed and Variable Rates - Desjardins | No date printed on page; captured 2026-11-14 |
| Mortgage | 5-year annually adjustable closed | 5.79% | Closed annually adjustable rate mortgage (Yearly Rate Resetter) | Canadian Mortgage Rates: Fixed and Variable Rates - Desjardins | No date printed on page; captured 2026-11-14 |
| Mortgage | 5-year fixed (insured) | 4.99% | fixed rate via a credit union channel, as published by the source. | WOWA: Best 5-Year Fixed Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 5-year fixed closed | 6.29% | Closed fixed-rate mortgage | Canadian Mortgage Rates: Fixed and Variable Rates - Desjardins | No date printed on page; captured 2026-11-14 |
| Mortgage | 5-year fixed closed (special) | 4.99% | Closed fixed-rate mortgage; 5 years (special rate) | Canadian Mortgage Rates: Fixed and Variable Rates - Desjardins | No date printed on page; captured 2026-11-14 |
| Mortgage | 5-year variable closed - protected | 4.95% | Closed protected variable-rate mortgage; Maximum rate: 7.54% | Canadian Mortgage Rates: Fixed and Variable Rates - Desjardins | No date printed on page; captured 2026-11-14 |
| Mortgage | 5-year variable closed - reduced | 4.70% | Closed reduced variable-rate mortgage | Canadian Mortgage Rates: Fixed and Variable Rates - Desjardins | No date printed on page; captured 2026-11-14 |
| Mortgage | 5-year variable closed - reduced (special) | 4.35% | Closed reduced variable-rate mortgage; 5 years (special rate) | Canadian Mortgage Rates: Fixed and Variable Rates - Desjardins | No date printed on page; captured 2026-11-14 |
| Mortgage | 6-month fixed closed | 7.99% | Closed fixed-rate mortgage | Canadian Mortgage Rates: Fixed and Variable Rates - Desjardins | No date printed on page; captured 2026-11-14 |
| Mortgage | 6-month fixed open | 9.75% | Open fixed-rate mortgage | Canadian Mortgage Rates: Fixed and Variable Rates - Desjardins | No date printed on page; captured 2026-11-14 |
| Mortgage | 6-year fixed closed | 6.39% | Closed fixed-rate mortgage | Canadian Mortgage Rates: Fixed and Variable Rates - Desjardins | No date printed on page; captured 2026-11-14 |
| Mortgage | 7-year fixed closed | 6.49% | Closed fixed-rate mortgage | Canadian Mortgage Rates: Fixed and Variable Rates - Desjardins | No date printed on page; captured 2026-11-14 |
Dominion Lending Centres
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 1 Year fixed | 4.79% | these are the broker's published rates, Our Rates | Rates & Lenders - Dominion Lending Centres | |
| Mortgage | 10 Years fixed | 5.09% | these are the broker's published rates, Our Rates | Rates & Lenders - Dominion Lending Centres | |
| Mortgage | 2 Years fixed | 4.59% | these are the broker's published rates, Our Rates | Rates & Lenders - Dominion Lending Centres | |
| Mortgage | 3 Years fixed | 4.79% | these are the broker's published rates, Our Rates | Rates & Lenders - Dominion Lending Centres | |
| Mortgage | 4 Years fixed | 4.89% | these are the broker's published rates, Our Rates | Rates & Lenders - Dominion Lending Centres | |
| Mortgage | 5 Years fixed | 4.64% | these are the broker's published rates, Our Rates | Rates & Lenders - Dominion Lending Centres | |
| Mortgage | 6 Months fixed | 5.09% | these are the broker's published rates, Our Rates | Rates & Lenders - Dominion Lending Centres | |
| Mortgage | 7 Years fixed | 5.09% | these are the broker's published rates, Our Rates | Rates & Lenders - Dominion Lending Centres | |
| Mortgage | Variable | 3.70% | these are the broker's published rates, Current Variable Rate; Current Prime Rate 4.70% | Rates & Lenders - Dominion Lending Centres |
East Coast Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 1 Year | 6.49% | Mortgage Rates; Prime Rate 4.70% | Rates | East Coast Credit Union | |
| Mortgage | 2 Year | 6.39% | Mortgage Rates; Prime Rate 4.70% | Rates | East Coast Credit Union | |
| Mortgage | 3 Year | 6.19% | Mortgage Rates; Prime Rate 4.70% | Rates | East Coast Credit Union | |
| Mortgage | 3 Year special rate as low as | 5.09% | Mortgage Rates; Prime Rate 4.70% | Rates | East Coast Credit Union | |
| Mortgage | 4 Year | 6.09% | Mortgage Rates; Prime Rate 4.70% | Rates | East Coast Credit Union | |
| Mortgage | 4 Year special rate as low as | 5.09% | Mortgage Rates; Prime Rate 4.70% | Rates | East Coast Credit Union | |
| Mortgage | 5 Year | 6.00% | Mortgage Rates; Prime Rate 4.70% | Rates | East Coast Credit Union | |
| Mortgage | 5 Year special rate as low as | 4.99% | Mortgage Rates; Prime Rate 4.70% | Rates | East Coast Credit Union | |
| Mortgage | 6 Month (closed) | 6.99% | Mortgage Rates; Prime Rate 4.70% | Rates | East Coast Credit Union | |
| Mortgage | 6 Month (open) | 7.74% | Mortgage Rates; Prime Rate 4.70% | Rates | East Coast Credit Union |
Equitable Bank
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| 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 | 5-year fixed (insured) | 4.64% | fixed rate via a bank channel, as published by the source. | WOWA: Best 5-Year Fixed Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | Equitable Prime Rate (P) | 4.70% | Equitable Prime Rate as of October 29th, 2026; The Equitable Prime Rate (P) is the annual rate of interest that is established from time to time by Equitable Bank, at its discretion, as a point of reference, and may change at any time. | Mortgage Rates | EQ Bank | Equitable Prime Rate as of October 29th, 2026 |
| Mortgage | Reverse Mortgage Flex 6 Month Fixed | 6.98% | EQ Bank Reverse Mortgage; Reverse Mortgage Flex Rate; set-up fee $995 printed on the same table | Mortgage Rates | EQ Bank | 2026-11-15 |
| Mortgage | Standard Mortgage Rate (Closed) 1 Year Fixed | 5.29% | Standard Mortgage Rate (Closed); Standard Mortgage Rates are based on our most favourable rates in Ontario and are for reference only and not guaranteed for any particular application. Interest rates are subject to applicants meeting Equitable Bank's credit granting criteria and other conditions and restrictions may apply. Interest rates are subject to change without notice at any time. | Mortgage Rates | EQ Bank | 2026-11-15 |
| Mortgage | Standard Mortgage Rate (Closed) 2 Year Fixed | 5.39% | Standard Mortgage Rate (Closed); Standard Mortgage Rates are based on our most favourable rates in Ontario and are for reference only and not guaranteed for any particular application. Interest rates are subject to applicants meeting Equitable Bank's credit granting criteria and other conditions and restrictions may apply. Interest rates are subject to change without notice at any time. | Mortgage Rates | EQ Bank | 2026-11-15 |
| Mortgage | Standard Mortgage Rate (Closed) 3 Year Fixed | 5.49% | Standard Mortgage Rate (Closed); Standard Mortgage Rates are based on our most favourable rates in Ontario and are for reference only and not guaranteed for any particular application. Interest rates are subject to applicants meeting Equitable Bank's credit granting criteria and other conditions and restrictions may apply. Interest rates are subject to change without notice at any time. | Mortgage Rates | EQ Bank | 2026-11-15 |
| Mortgage | Standard Mortgage Rate (Closed) 4 Year Fixed | 6.44% | Standard Mortgage Rate (Closed); Standard Mortgage Rates are based on our most favourable rates in Ontario and are for reference only and not guaranteed for any particular application. Interest rates are subject to applicants meeting Equitable Bank's credit granting criteria and other conditions and restrictions may apply. Interest rates are subject to change without notice at any time. | Mortgage Rates | EQ Bank | 2026-11-15 |
| Mortgage | Standard Mortgage Rate (Closed) 5 Year Fixed | 5.59% | Standard Mortgage Rate (Closed); Standard Mortgage Rates are based on our most favourable rates in Ontario and are for reference only and not guaranteed for any particular application. Interest rates are subject to applicants meeting Equitable Bank's credit granting criteria and other conditions and restrictions may apply. Interest rates are subject to change without notice at any time. | Mortgage Rates | EQ Bank | 2026-11-15 |
First National
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 1 Year fixed (Excalibur, 580-599) | 5.79% | Excalibur Mortgage Rates; credit band 580-599 | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 1 Year fixed (Excalibur, 600-649) | 5.54% | Excalibur Mortgage Rates; credit band 600-649 | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 1 Year fixed (Excalibur, 650-679) | 5.29% | Excalibur Mortgage Rates; credit band 650-679 | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 1 Year fixed (Excalibur, 680+) | 5.14% | Excalibur Mortgage Rates; credit band 680+ | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 1 Year fixed (Excalibur, < 580) | 6.04% | Excalibur Mortgage Rates; credit band < 580 | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 1 year fixed (Conventional) | 5.74 | Posted Rates; Fixed rate mortgages - closed terms; Conventional | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 1 year fixed (Insurable > 65% - 70% LTV) | 5.74 | Posted Rates; Fixed rate mortgages - closed terms; Insurable > 65% - 70% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 1 year fixed (Insurable > 70% - 75% LTV) | 5.74 | Posted Rates; Fixed rate mortgages - closed terms; Insurable > 70% - 75% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 1 year fixed (Insurable > 75% - 80% LTV) | 5.74 | Posted Rates; Fixed rate mortgages - closed terms; Insurable > 75% - 80% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 1 year fixed (Insurable up to 65% LTV) | 5.74 | Posted Rates; Fixed rate mortgages - closed terms; Insurable up to 65% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 1 year fixed (Insured) | 5.74 | Posted Rates; Fixed rate mortgages - closed terms; Insured | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 10 year fixed (Conventional) | 5.65 | Posted Rates; Fixed rate mortgages - closed terms; Conventional | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 10 year fixed (Insured) | 5.65 | Posted Rates; Fixed rate mortgages - closed terms; Insured | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 2 Year fixed (Excalibur, 580-599) | 6.14% | Excalibur Mortgage Rates; credit band 580-599 | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 2 Year fixed (Excalibur, 600-649) | 5.89% | Excalibur Mortgage Rates; credit band 600-649 | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 2 Year fixed (Excalibur, 650-679) | 5.64% | Excalibur Mortgage Rates; credit band 650-679 | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 2 Year fixed (Excalibur, 680+) | 5.39% | Excalibur Mortgage Rates; credit band 680+ | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 2 Year fixed (Excalibur, < 580) | 6.29% | Excalibur Mortgage Rates; credit band < 580 | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 2 year fixed (Conventional) | 5.34 | Posted Rates; Fixed rate mortgages - closed terms; Conventional | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 2 year fixed (Insurable > 65% - 70% LTV) | 5.34 | Posted Rates; Fixed rate mortgages - closed terms; Insurable > 65% - 70% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 2 year fixed (Insurable > 70% - 75% LTV) | 5.34 | Posted Rates; Fixed rate mortgages - closed terms; Insurable > 70% - 75% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 2 year fixed (Insurable > 75% - 80% LTV) | 5.34 | Posted Rates; Fixed rate mortgages - closed terms; Insurable > 75% - 80% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 2 year fixed (Insurable up to 65% LTV) | 5.34 | Posted Rates; Fixed rate mortgages - closed terms; Insurable up to 65% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 2 year fixed (Insured) | 5.34 | Posted Rates; Fixed rate mortgages - closed terms; Insured | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 3 Year fixed (Excalibur, 580-599) | 6.24% | Excalibur Mortgage Rates; credit band 580-599 | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 3 Year fixed (Excalibur, 600-649) | 5.99% | Excalibur Mortgage Rates; credit band 600-649 | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 3 Year fixed (Excalibur, 650-679) | 5.74% | Excalibur Mortgage Rates; credit band 650-679 | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 3 Year fixed (Excalibur, 680+) | 5.49% | Excalibur Mortgage Rates; credit band 680+ | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 3 Year fixed (Excalibur, < 580) | 6.49% | Excalibur Mortgage Rates; credit band < 580 | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 3 year fixed (Conventional) | 5.21 | Posted Rates; Fixed rate mortgages - closed terms; Conventional | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 3 year fixed (Insurable > 65% - 70% LTV) | 5.21 | Posted Rates; Fixed rate mortgages - closed terms; Insurable > 65% - 70% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 3 year fixed (Insurable > 70% - 75% LTV) | 5.21 | Posted Rates; Fixed rate mortgages - closed terms; Insurable > 70% - 75% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 3 year fixed (Insurable > 75% - 80% LTV) | 5.21 | Posted Rates; Fixed rate mortgages - closed terms; Insurable > 75% - 80% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 3 year fixed (Insurable up to 65% LTV) | 5.21 | Posted Rates; Fixed rate mortgages - closed terms; Insurable up to 65% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 3 year fixed (Insured) | 5.21 | Posted Rates; Fixed rate mortgages - closed terms; Insured | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 3-year fixed (insured) | 5.49% | fixed rate via a monoline channel, as published by the source. | WOWA: Best Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 4 year fixed (Conventional) | 5.12 | Posted Rates; Fixed rate mortgages - closed terms; Conventional | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 4 year fixed (Insurable > 65% - 70% LTV) | 5.12 | Posted Rates; Fixed rate mortgages - closed terms; Insurable > 65% - 70% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 4 year fixed (Insurable > 70% - 75% LTV) | 5.12 | Posted Rates; Fixed rate mortgages - closed terms; Insurable > 70% - 75% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 4 year fixed (Insurable > 75% - 80% LTV) | 5.12 | Posted Rates; Fixed rate mortgages - closed terms; Insurable > 75% - 80% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 4 year fixed (Insurable up to 65% LTV) | 5.12 | Posted Rates; Fixed rate mortgages - closed terms; Insurable up to 65% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 4 year fixed (Insured) | 5.12 | Posted Rates; Fixed rate mortgages - closed terms; Insured | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 5 year adjustable (Conventional) | Prime - 0.31% | Adjustable rate mortgages; for the entire term; First National Prime Rate: 4.70; Conventional | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 5 year adjustable (Insurable > 65% - 70% LTV) | Prime - 0.50% | Adjustable rate mortgages; for the entire term; First National Prime Rate: 4.70; Insurable > 65% - 70% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 5 year adjustable (Insurable > 70% - 75% LTV) | Prime - 0.45% | Adjustable rate mortgages; for the entire term; First National Prime Rate: 4.70; Insurable > 70% - 75% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 5 year adjustable (Insurable > 75% - 80% LTV) | Prime - 0.41% | Adjustable rate mortgages; for the entire term; First National Prime Rate: 4.70; Insurable > 75% - 80% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 5 year adjustable (Insurable up to 65% LTV) | Prime - 0.70% | Adjustable rate mortgages; for the entire term; First National Prime Rate: 4.70; Insurable up to 65% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 5 year adjustable (Insured) | Prime - 0.75% | Adjustable rate mortgages; for the entire term; First National Prime Rate: 4.70; Insured | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 5 year fixed (Conventional) | 5.15 | Posted Rates; Fixed rate mortgages - closed terms; Conventional | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 5 year fixed (Insurable > 65% - 70% LTV) | 4.99 | Posted Rates; Fixed rate mortgages - closed terms; Insurable > 65% - 70% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 5 year fixed (Insurable > 70% - 75% LTV) | 5.04 | Posted Rates; Fixed rate mortgages - closed terms; Insurable > 70% - 75% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 5 year fixed (Insurable > 75% - 80% LTV) | 5.09 | Posted Rates; Fixed rate mortgages - closed terms; Insurable > 75% - 80% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 5 year fixed (Insurable up to 65% LTV) | 4.89 | Posted Rates; Fixed rate mortgages - closed terms; Insurable up to 65% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 5 year fixed (Insured) | 4.84 | Posted Rates; Fixed rate mortgages - closed terms; Insured | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 5-year fixed (insured) | 4.99% | fixed rate via a monoline channel, as published by the source. | WOWA: Best 5-Year Fixed Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 6 month fixed term (open) | 10.20 | Open term mortgage | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 7 year fixed (Conventional) | 5.33 | Posted Rates; Fixed rate mortgages - closed terms; Conventional | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 7 year fixed (Insured) | 5.33 | Posted Rates; Fixed rate mortgages - closed terms; Insured | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | First National Prime Rate | 4.70 | First National Prime Rate | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
FirstOntario Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 1-year closed | 5.39% | Fixed Rate Mortgage | Rates for personal members | FirstOntario Credit Union | |
| Mortgage | 1-year open | 8.09% | Fixed Rate Mortgage | Rates for personal members | FirstOntario Credit Union | |
| Mortgage | 10-year closed | 6.04% | Fixed Rate Mortgage | Rates for personal members | FirstOntario Credit Union | |
| Mortgage | 2-year Fixed High Ratio | 4.34% | Mortgage Specials | Rates for personal members | FirstOntario Credit Union | |
| Mortgage | 2-year closed | 4.74% | Fixed Rate Mortgage | Rates for personal members | FirstOntario Credit Union | |
| Mortgage | 3-year Fixed High Ratio | 4.44% | Mortgage Specials | Rates for personal members | FirstOntario Credit Union | |
| Mortgage | 3-year closed | 4.84% | Fixed Rate Mortgage | Rates for personal members | FirstOntario Credit Union | |
| Mortgage | 3-year fixed (insured) | 4.54% | fixed rate via a credit union channel, as published by the source. | WOWA: Best Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 4-year Fixed High Ratio | 4.79% | Mortgage Specials | Rates for personal members | FirstOntario Credit Union | |
| Mortgage | 4-year closed | 4.89% | Fixed Rate Mortgage | Rates for personal members | FirstOntario Credit Union | |
| Mortgage | 5-year Fixed High Ratio | 4.54% | Mortgage Specials | Rates for personal members | FirstOntario Credit Union | |
| Mortgage | 5-year Variable High Ratio | 3.75% | Mortgage Specials | Rates for personal members | FirstOntario Credit Union | |
| Mortgage | 5-year closed | 4.94% | Fixed Rate Mortgage | Rates for personal members | FirstOntario Credit Union | |
| Mortgage | 5-year closed | 4.25% | Variable Rate Mortgage | Rates for personal members | FirstOntario Credit Union | |
| Mortgage | 5-year fixed (insured) | 4.64% | fixed rate via a credit union channel, as published by the source. | WOWA: Best 5-Year Fixed Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 5-year open | 6.20% | Variable Rate Mortgage | Rates for personal members | FirstOntario Credit Union | |
| Mortgage | 6-month convertible closed | 6.34% | Fixed Rate Mortgage | Rates for personal members | FirstOntario Credit Union | |
| Mortgage | 6-month open | 8.09% | Fixed Rate Mortgage | Rates for personal members | FirstOntario Credit Union | |
| Mortgage | 7-year closed | 5.84% | Fixed Rate Mortgage | Rates for personal members | FirstOntario Credit Union | |
| HELOC | MeritLine Home Equity Line of Credit | 5.10% | MeritLine Home Equity Line of Credit | Rates for personal members | FirstOntario Credit Union |
Frank Mortgage
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 3-year fixed (insurable) | 4.39% - 4.64% | 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) | 4.39% | 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) | 4.39% | fixed rate via a broker channel, as published by the source. | WOWA: Best Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 3-year fixed (uninsurable) | 4.64% | 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 fixed (insured) | 4.44% | 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) | 4.44% | fixed rate via a broker channel, as published by the source. | WOWA: Best 5-Year Fixed Mortgage Rates in Canada | 2026-11-13 |
Home Trust
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | EquityAccess Boost reverse mortgage 1-year fixed (origination) | 8.14% | Reverse mortgage products and rates; Origination Rate; the origination rate is the interest rate that the borrower must pay on a newly originated reverse mortgage; APR 9.20% printed as the paired figure for this term; Minimum age: 70 years old; offers eligible homeowners access to a greater amount of home equity | Mortgage Rates Canada | Home Trust | 2026-11-15 |
| Mortgage | EquityAccess Boost reverse mortgage 2-year fixed (origination) | 7.94% | Reverse mortgage products and rates; Origination Rate; the origination rate is the interest rate that the borrower must pay on a newly originated reverse mortgage; APR 8.51% printed as the paired figure for this term; Minimum age: 70 years old; offers eligible homeowners access to a greater amount of home equity | Mortgage Rates Canada | Home Trust | 2026-11-15 |
| Mortgage | EquityAccess Boost reverse mortgage 3-year fixed (origination) | 7.84% | Reverse mortgage products and rates; Origination Rate; the origination rate is the interest rate that the borrower must pay on a newly originated reverse mortgage; APR 8.25% printed as the paired figure for this term; Minimum age: 70 years old; offers eligible homeowners access to a greater amount of home equity | Mortgage Rates Canada | Home Trust | 2026-11-15 |
| Mortgage | EquityAccess Boost reverse mortgage 5-year adjustable (origination) | P+3.19% | Reverse mortgage products and rates; Origination Rate; the origination rate is the interest rate that the borrower must pay on a newly originated reverse mortgage; APR 8.31% printed as the paired figure for this term; Minimum age: 70 years old; offers eligible homeowners access to a greater amount of home equity | Mortgage Rates Canada | Home Trust | 2026-11-15 |
| Mortgage | EquityAccess Boost reverse mortgage 5-year fixed (origination) | 7.44% | Reverse mortgage products and rates; Origination Rate; the origination rate is the interest rate that the borrower must pay on a newly originated reverse mortgage; APR 7.71% printed as the paired figure for this term; Minimum age: 70 years old; offers eligible homeowners access to a greater amount of home equity | Mortgage Rates Canada | Home Trust | 2026-11-15 |
| Mortgage | EquityAccess Boost reverse mortgage set-up fee | $995 | Reverse mortgage products and rates; Origination Rate; Minimum age: 70 years old; offers eligible homeowners access to a greater amount of home equity; set-up fee as printed for each product | Mortgage Rates Canada | Home Trust | 2026-11-15 |
| Mortgage | EquityAccess reverse mortgage 1-year fixed (origination) | 6.79% | Reverse mortgage products and rates; Origination Rate; the origination rate is the interest rate that the borrower must pay on a newly originated reverse mortgage; APR 7.80% printed as the paired figure for this term; Minimum age: 55 years old; a straightforward product that offers access to equity as a single lump-sum advance | Mortgage Rates Canada | Home Trust | 2026-11-15 |
| Mortgage | EquityAccess reverse mortgage 2-year fixed (origination) | 6.49% | Reverse mortgage products and rates; Origination Rate; the origination rate is the interest rate that the borrower must pay on a newly originated reverse mortgage; APR 7.02% printed as the paired figure for this term; Minimum age: 55 years old; a straightforward product that offers access to equity as a single lump-sum advance | Mortgage Rates Canada | Home Trust | 2026-11-15 |
| Mortgage | EquityAccess reverse mortgage 3-year fixed (origination) | 6.55% | Reverse mortgage products and rates; Origination Rate; the origination rate is the interest rate that the borrower must pay on a newly originated reverse mortgage; APR 6.92% printed as the paired figure for this term; Minimum age: 55 years old; a straightforward product that offers access to equity as a single lump-sum advance | Mortgage Rates Canada | Home Trust | 2026-11-15 |
| Mortgage | EquityAccess reverse mortgage 5-year adjustable (origination) | P+2.30% | Reverse mortgage products and rates; Origination Rate; the origination rate is the interest rate that the borrower must pay on a newly originated reverse mortgage; APR 7.36% printed as the paired figure for this term; Minimum age: 55 years old; a straightforward product that offers access to equity as a single lump-sum advance | Mortgage Rates Canada | Home Trust | 2026-11-15 |
| Mortgage | EquityAccess reverse mortgage 5-year fixed (origination) | 6.23% | Reverse mortgage products and rates; Origination Rate; the origination rate is the interest rate that the borrower must pay on a newly originated reverse mortgage; APR 6.47% printed as the paired figure for this term; Minimum age: 55 years old; a straightforward product that offers access to equity as a single lump-sum advance | Mortgage Rates Canada | Home Trust | 2026-11-15 |
| Mortgage | EquityAccess reverse mortgage set-up fee | $995 | Reverse mortgage products and rates; Origination Rate; Minimum age: 55 years old; a straightforward product that offers access to equity as a single lump-sum advance; set-up fee as printed for each product | Mortgage Rates Canada | Home Trust | 2026-11-15 |
| Mortgage | EquityAccess+ reverse mortgage 1-year fixed (origination) | 6.89% | Reverse mortgage products and rates; Origination Rate; the origination rate is the interest rate that the borrower must pay on a newly originated reverse mortgage; APR 7.91% printed as the paired figure for this term; Minimum age: 55 years old; offers a combination of lump-sum and scheduled advances | Mortgage Rates Canada | Home Trust | 2026-11-15 |
| Mortgage | EquityAccess+ reverse mortgage 2-year fixed (origination) | 6.69% | Reverse mortgage products and rates; Origination Rate; the origination rate is the interest rate that the borrower must pay on a newly originated reverse mortgage; APR 7.22% printed as the paired figure for this term; Minimum age: 55 years old; offers a combination of lump-sum and scheduled advances | Mortgage Rates Canada | Home Trust | 2026-11-15 |
| Mortgage | EquityAccess+ reverse mortgage 3-year fixed (origination) | 6.59% | Reverse mortgage products and rates; Origination Rate; the origination rate is the interest rate that the borrower must pay on a newly originated reverse mortgage; APR 6.96% printed as the paired figure for this term; Minimum age: 55 years old; offers a combination of lump-sum and scheduled advances | Mortgage Rates Canada | Home Trust | 2026-11-15 |
| Mortgage | EquityAccess+ reverse mortgage 5-year adjustable (origination) | P+2.35% | Reverse mortgage products and rates; Origination Rate; the origination rate is the interest rate that the borrower must pay on a newly originated reverse mortgage; APR 7.42% printed as the paired figure for this term; Minimum age: 55 years old; offers a combination of lump-sum and scheduled advances | Mortgage Rates Canada | Home Trust | 2026-11-15 |
| Mortgage | EquityAccess+ reverse mortgage 5-year fixed (origination) | 6.29% | Reverse mortgage products and rates; Origination Rate; the origination rate is the interest rate that the borrower must pay on a newly originated reverse mortgage; APR 6.53% printed as the paired figure for this term; Minimum age: 55 years old; offers a combination of lump-sum and scheduled advances | Mortgage Rates Canada | Home Trust | 2026-11-15 |
| Mortgage | EquityAccess+ reverse mortgage set-up fee | $995 | Reverse mortgage products and rates; Origination Rate; Minimum age: 55 years old; offers a combination of lump-sum and scheduled advances; set-up fee as printed for each product | Mortgage Rates Canada | Home Trust | 2026-11-15 |
| Mortgage | Home Trust Prime Rate (reverse mortgage) | 4.70% | Reverse mortgage products and rates; Prime Rates as of 10/29/2026, printed the same for EquityAccess, EquityAccess+ and EquityAccess Boost | Mortgage Rates Canada | Home Trust | Prime Rates as of 10/29/2026 |
IC Savings
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 1 year Fixed-Rate Closed Mortgage | 5.09% | Fixed-Rate Closed Mortgages; APR1 5.79% | Rates | |
| Mortgage | 2 year Fixed-Rate Closed Mortgage | 4.84% | Fixed-Rate Closed Mortgages; APR1 5.15% | Rates | |
| Mortgage | 3 year Fixed-Rate Closed Mortgage | 5.09% | Fixed-Rate Closed Mortgages; APR1 5.26% | Rates | |
| Mortgage | 4 year Fixed-Rate Closed Mortgage | 5.24% | Fixed-Rate Closed Mortgages; APR1 5.34% | Rates | |
| Mortgage | 5 year Fixed-Rate Closed Mortgage | 5.34% | Fixed-Rate Closed Mortgages; APR1 5.40% | Rates |
ICICI Bank Canada
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 1-Year Fixed Closed | 6.09% | Posted Rates; Rates are as of August 01, 2025. Interest rates are compounded half-yearly, not in advance and subject to change at any time without notice. Any discounts on mortgage rates are for new applications at the Bank's discretion. No further rate adjustments are permitted within 5 business days prior to the advance date; Mortgages are subject to meeting the lending criteria of ICICI Bank Canada | Apply for a Mortgage in Canada Online | ICICI Bank Canada | Rates are as of August 01, 2025 |
| Mortgage | 2-Year Fixed Closed | 5.59% | Posted Rates; Rates are as of August 01, 2025. Interest rates are compounded half-yearly, not in advance and subject to change at any time without notice. Any discounts on mortgage rates are for new applications at the Bank's discretion. No further rate adjustments are permitted within 5 business days prior to the advance date; Mortgages are subject to meeting the lending criteria of ICICI Bank Canada | Apply for a Mortgage in Canada Online | ICICI Bank Canada | Rates are as of August 01, 2025 |
| Mortgage | 3-Year Fixed Closed | 6.14% | Posted Rates; Rates are as of August 01, 2025. Interest rates are compounded half-yearly, not in advance and subject to change at any time without notice. Any discounts on mortgage rates are for new applications at the Bank's discretion. No further rate adjustments are permitted within 5 business days prior to the advance date; Mortgages are subject to meeting the lending criteria of ICICI Bank Canada | Apply for a Mortgage in Canada Online | ICICI Bank Canada | Rates are as of August 01, 2025 |
| Mortgage | 3-Year Variable Closed | Prime + 1.00% | Posted Rates; Rates are as of August 01, 2025. Interest rates are compounded half-yearly, not in advance and subject to change at any time without notice. Any discounts on mortgage rates are for new applications at the Bank's discretion. No further rate adjustments are permitted within 5 business days prior to the advance date; Mortgages are subject to meeting the lending criteria of ICICI Bank Canada; ICICI Bank Canada Prime Rate is 4.45% as of October 30, 2025. Variable rate and scheduled payment will vary automatically if and when the ICICI Bank Canada Prime Rate varies | Apply for a Mortgage in Canada Online | ICICI Bank Canada | Rates are as of August 01, 2025 |
| Mortgage | 4-Year Fixed Closed | 6.04% | Posted Rates; Rates are as of August 01, 2025. Interest rates are compounded half-yearly, not in advance and subject to change at any time without notice. Any discounts on mortgage rates are for new applications at the Bank's discretion. No further rate adjustments are permitted within 5 business days prior to the advance date; Mortgages are subject to meeting the lending criteria of ICICI Bank Canada | Apply for a Mortgage in Canada Online | ICICI Bank Canada | Rates are as of August 01, 2025 |
| Mortgage | 5-Year Fixed Closed | 6.14% | Posted Rates; Rates are as of August 01, 2025. Interest rates are compounded half-yearly, not in advance and subject to change at any time without notice. Any discounts on mortgage rates are for new applications at the Bank's discretion. No further rate adjustments are permitted within 5 business days prior to the advance date; Mortgages are subject to meeting the lending criteria of ICICI Bank Canada | Apply for a Mortgage in Canada Online | ICICI Bank Canada | Rates are as of August 01, 2025 |
| Mortgage | 5-Year Variable Closed | Prime + 1.00% | Posted Rates; Rates are as of August 01, 2025. Interest rates are compounded half-yearly, not in advance and subject to change at any time without notice. Any discounts on mortgage rates are for new applications at the Bank's discretion. No further rate adjustments are permitted within 5 business days prior to the advance date; Mortgages are subject to meeting the lending criteria of ICICI Bank Canada; ICICI Bank Canada Prime Rate is 4.45% as of October 30, 2025. Variable rate and scheduled payment will vary automatically if and when the ICICI Bank Canada Prime Rate varies | Apply for a Mortgage in Canada Online | ICICI Bank Canada | Rates are as of August 01, 2025 |
| Mortgage | Insured Mortgage Special Rates 5-Year Fixed Closed | 6.14% | Insured Mortgage Special Rates; Insured rate is only available to customers with less than 20% down payment, purchasing a residential property valued under CAD 1,500,000, who are eligible for the mortgage default insurance and meet other conditions; Rates are as of August 01, 2025 and subject to change at any time without notice | Apply for a Mortgage in Canada Online | ICICI Bank Canada | Rates are as of August 01, 2025 |
| Mortgage | Insured Mortgage Special Rates 5-Year Variable Closed | Prime + 1.00% | Insured Mortgage Special Rates; Insured rate is only available to customers with less than 20% down payment, purchasing a residential property valued under CAD 1,500,000, who are eligible for the mortgage default insurance and meet other conditions; Rates are as of August 01, 2025 and subject to change at any time without notice; ICICI Bank Canada Prime Rate is 4.45% as of October 30, 2025 | Apply for a Mortgage in Canada Online | ICICI Bank Canada | Rates are as of August 01, 2025 |
IG Wealth Management
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 3-year fixed (insurable) | 5.39% | 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) | 4.79% | 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) | 4.79% | fixed rate via a broker channel, as published by the source. | WOWA: Best Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 5-year fixed (insured) | 4.89% | 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) | 4.89% | fixed rate via a broker channel, as published by the source. | WOWA: Best 5-Year Fixed Mortgage Rates in Canada | 2026-11-13 |
Innovation Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 3-year fixed (insured) | 4.59% | fixed rate via a credit union channel, as published by the source. | WOWA: Best Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 5-year fixed (insured) | 4.59% | fixed rate via a credit union channel, as published by the source. | WOWA: Best 5-Year Fixed Mortgage Rates in Canada | 2026-11-13 |
Innovation Federal Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | Closed Fixed 1 Year (Posted Rates) | 5.500% | Posted Rates; These rates may be used for mortgage prepayment penalty purposes; APR 5.633%; Applicable to residential mortgages only and subject to Innovation Federal Credit Union lending criteria for residential properties. Some conditions apply. Interest rate compounded semi-annually not in advance. Interest rates are subject to change without notice. | Mortgage Rates | Innovation Federal Credit Union | 2026-11-15 |
| Mortgage | Closed Fixed 1 Year (Special Rates) | 4.890% | Special Rates; APR 5.023%; Applicable to residential mortgages only and subject to Innovation Federal Credit Union lending criteria for residential properties. Some conditions apply. Interest rate compounded semi-annually not in advance. Interest rates are subject to change without notice. | Mortgage Rates | Innovation Federal Credit Union | 2026-11-15 |
| Mortgage | Closed Fixed 10 Years (Posted Rates) | 6.800% | Posted Rates; These rates may be used for mortgage prepayment penalty purposes; APR 6.813%; Applicable to residential mortgages only and subject to Innovation Federal Credit Union lending criteria for residential properties. Some conditions apply. Interest rate compounded semi-annually not in advance. Interest rates are subject to change without notice. | Mortgage Rates | Innovation Federal Credit Union | 2026-11-15 |
| Mortgage | Closed Fixed 10 Years (Special Rates) | 5.490% | Special Rates; APR 5.500%; Applicable to residential mortgages only and subject to Innovation Federal Credit Union lending criteria for residential properties. Some conditions apply. Interest rate compounded semi-annually not in advance. Interest rates are subject to change without notice. | Mortgage Rates | Innovation Federal Credit Union | 2026-11-15 |
| Mortgage | Closed Fixed 2 Years (Posted Rates) | 5.800% | Posted Rates; These rates may be used for mortgage prepayment penalty purposes; APR 5.867%; Applicable to residential mortgages only and subject to Innovation Federal Credit Union lending criteria for residential properties. Some conditions apply. Interest rate compounded semi-annually not in advance. Interest rates are subject to change without notice. | Mortgage Rates | Innovation Federal Credit Union | 2026-11-15 |
| Mortgage | Closed Fixed 2 Years (Special Rates) | 4.790% | Special Rates; APR 4.857%; Applicable to residential mortgages only and subject to Innovation Federal Credit Union lending criteria for residential properties. Some conditions apply. Interest rate compounded semi-annually not in advance. Interest rates are subject to change without notice. | Mortgage Rates | Innovation Federal Credit Union | 2026-11-15 |
| Mortgage | Closed Fixed 3 Years (Posted Rates) | 6.050% | Posted Rates; These rates may be used for mortgage prepayment penalty purposes; APR 6.094%; Applicable to residential mortgages only and subject to Innovation Federal Credit Union lending criteria for residential properties. Some conditions apply. Interest rate compounded semi-annually not in advance. Interest rates are subject to change without notice. | Mortgage Rates | Innovation Federal Credit Union | 2026-11-15 |
| Mortgage | Closed Fixed 3 Years (Special Rates) | 4.590% | Special Rates; APR 4.630%; Applicable to residential mortgages only and subject to Innovation Federal Credit Union lending criteria for residential properties. Some conditions apply. Interest rate compounded semi-annually not in advance. Interest rates are subject to change without notice. | Mortgage Rates | Innovation Federal Credit Union | 2026-11-15 |
| Mortgage | Closed Fixed 4 Years (Posted Rates) | 6.050% | Posted Rates; These rates may be used for mortgage prepayment penalty purposes; APR 6.083%; Applicable to residential mortgages only and subject to Innovation Federal Credit Union lending criteria for residential properties. Some conditions apply. Interest rate compounded semi-annually not in advance. Interest rates are subject to change without notice. | Mortgage Rates | Innovation Federal Credit Union | 2026-11-15 |
| Mortgage | Closed Fixed 4 Years (Special Rates) | 4.790% | Special Rates; APR 4.820%; Applicable to residential mortgages only and subject to Innovation Federal Credit Union lending criteria for residential properties. Some conditions apply. Interest rate compounded semi-annually not in advance. Interest rates are subject to change without notice. | Mortgage Rates | Innovation Federal Credit Union | 2026-11-15 |
| Mortgage | Closed Fixed 5 Years (Posted Rates) | 6.100% | Posted Rates; These rates may be used for mortgage prepayment penalty purposes; APR 6.127%; Applicable to residential mortgages only and subject to Innovation Federal Credit Union lending criteria for residential properties. Some conditions apply. Interest rate compounded semi-annually not in advance. Interest rates are subject to change without notice. | Mortgage Rates | Innovation Federal Credit Union | 2026-11-15 |
| Mortgage | Closed Fixed 5 Years (Special Rates) | 4.590% | Special Rates; APR 4.620%; Applicable to residential mortgages only and subject to Innovation Federal Credit Union lending criteria for residential properties. Some conditions apply. Interest rate compounded semi-annually not in advance. Interest rates are subject to change without notice. | Mortgage Rates | Innovation Federal Credit Union | 2026-11-15 |
| Mortgage | Closed Fixed 6 Month (Posted Rates) | 6.140% | Posted Rates; These rates may be used for mortgage prepayment penalty purposes; APR 6.407%; Applicable to residential mortgages only and subject to Innovation Federal Credit Union lending criteria for residential properties. Some conditions apply. Interest rate compounded semi-annually not in advance. Interest rates are subject to change without notice. | Mortgage Rates | Innovation Federal Credit Union | 2026-11-15 |
| Mortgage | Closed Fixed 6 Month (Special Rates) | 6.040% | Special Rates; APR 6.307%; Applicable to residential mortgages only and subject to Innovation Federal Credit Union lending criteria for residential properties. Some conditions apply. Interest rate compounded semi-annually not in advance. Interest rates are subject to change without notice. | Mortgage Rates | Innovation Federal Credit Union | 2026-11-15 |
| Mortgage | Closed Fixed 7 Years (Posted Rates) | 6.500% | Posted Rates; These rates may be used for mortgage prepayment penalty purposes; APR 6.519%; Applicable to residential mortgages only and subject to Innovation Federal Credit Union lending criteria for residential properties. Some conditions apply. Interest rate compounded semi-annually not in advance. Interest rates are subject to change without notice. | Mortgage Rates | Innovation Federal Credit Union | 2026-11-15 |
| Mortgage | Closed Fixed 7 Years (Special Rates) | 5.290% | Special Rates; APR 5.310%; Applicable to residential mortgages only and subject to Innovation Federal Credit Union lending criteria for residential properties. Some conditions apply. Interest rate compounded semi-annually not in advance. Interest rates are subject to change without notice. | Mortgage Rates | Innovation Federal Credit Union | 2026-11-15 |
| Mortgage | Closed Variable 5 Years (Posted Rates) | 5.950% | Posted Rates; These rates may be used for mortgage prepayment penalty purposes; APR 5.980%; Applicable to residential mortgages only and subject to Innovation Federal Credit Union lending criteria for residential properties. Some conditions apply. Interest rate compounded semi-annually not in advance. Interest rates are subject to change without notice. | Mortgage Rates | Innovation Federal Credit Union | 2026-11-15 |
| Mortgage | Closed Variable 5 Years (Special Rates) | 4.600% | Special Rates; APR 4.627%; Applicable to residential mortgages only and subject to Innovation Federal Credit Union lending criteria for residential properties. Some conditions apply. Interest rate compounded semi-annually not in advance. Interest rates are subject to change without notice. | Mortgage Rates | Innovation Federal Credit Union | 2026-11-15 |
| Mortgage | Open Fixed 1 Year (Open Rates) | 6.990% | Open Rates; APR 7.123%; Applicable to residential mortgages only and subject to Innovation Federal Credit Union lending criteria for residential properties. Some conditions apply. Interest rate compounded semi-annually not in advance. Interest rates are subject to change without notice. | Mortgage Rates | Innovation Federal Credit Union | 2026-11-15 |
| Mortgage | Open Variable 5 Years (Posted Rates) | 8.000% | Posted Rates; These rates may be used for mortgage prepayment penalty purposes; APR 8.027%; Applicable to residential mortgages only and subject to Innovation Federal Credit Union lending criteria for residential properties. Some conditions apply. Interest rate compounded semi-annually not in advance. Interest rates are subject to change without notice. | Mortgage Rates | Innovation Federal Credit Union | 2026-11-15 |
Kawartha Financial Services
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 1-Year Closed | 6.59 | First Mortgages | Rates | Kawartha Financial Services | |
| Mortgage | 1-Year Open | 9.90 | First Mortgages | Rates | Kawartha Financial Services | |
| Mortgage | 2-Year Closed | 5.89 | First Mortgages | Rates | Kawartha Financial Services | |
| Mortgage | 3-Year Closed | 6.40 | First Mortgages | Rates | Kawartha Financial Services | |
| Mortgage | 3-Year Closed (some restrictions apply) Promotional | 5.04 | Special Offer: First Mortgages | Rates | Kawartha Financial Services | |
| Mortgage | 3-Year Closed Insured (High Ratio) Promotional | 4.59 | Special Offer: First Mortgages | Rates | Kawartha Financial Services | |
| Mortgage | 3-Year Variable Closed (some restrictions apply) Promotional | 4.40 | Special Offer: First Mortgages; Mortgage Prime less 0.30% | Rates | Kawartha Financial Services | |
| Mortgage | 3-year fixed (insurable) | 4.59% | 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) | 4.59% | 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) | 4.59% | fixed rate via a credit union channel, as published by the source. | WOWA: Best Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 4-Year Closed | 6.34 | First Mortgages | Rates | Kawartha Financial Services | |
| Mortgage | 4-Year Closed (some restrictions apply) Promotional | 5.04 | Special Offer: First Mortgages | Rates | Kawartha Financial Services | |
| Mortgage | 4-Year Closed Insured (High Ratio) Promotional | 5.04 | Special Offer: First Mortgages | Rates | Kawartha Financial Services | |
| Mortgage | 5-Year Closed | 6.44 | First Mortgages | Rates | Kawartha Financial Services | |
| Mortgage | 5-Year Closed (some restrictions apply) Promotional | 5.09 | Special Offer: First Mortgages | Rates | Kawartha Financial Services | |
| Mortgage | 5-Year Closed Insured (High Ratio) Promotional | 4.64 | Special Offer: First Mortgages | Rates | Kawartha Financial Services | |
| Mortgage | 5-Year Variable Closed (some restrictions apply) Promotional | 4.40 | Special Offer: First Mortgages; Mortgage Prime less 0.30% | Rates | Kawartha Financial Services | |
| Mortgage | 5-year fixed (insured) | 4.64% | 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) | 4.64% | fixed rate via a credit union channel, as published by the source. | WOWA: Best 5-Year Fixed Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 6-Month Closed | 6.44 | First Mortgages | Rates | Kawartha Financial Services |
Kindred Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 3-year fixed (insurable) | 4.75% | 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) | 4.44% | 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) | 4.44% | fixed rate via a credit union channel, as published by the source. | WOWA: Best Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 5-year fixed (insured) | 4.49% | 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) | 4.49% | fixed rate via a credit union channel, as published by the source. | WOWA: Best 5-Year Fixed Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | Conventional Mortgage Special 3-Year | 4.75% | Featured Rates; Special Rate! | Personal Loan Rates - Kindred Credit Union | 2026-11-15 |
| Mortgage | Kindred Prime Rate | 4.70% | Our Premium Rate | Personal Loan Rates - Kindred Credit Union | 2026-11-15 |
Laurentian
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 3-year fixed (insurable) | 6.09% | 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) | 6.09% | 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 | 5-year fixed (insured) | 4.69% | 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 |
| HELOC | HELOC | 5.25% | Prime + 0.55% | Best Canada HELOC Rates - 4.45% | WOWA.ca | As of November 14th, 2026 |
| HELOC | HELOC (variable) | 5.25% (Prime + 0.55%) | Rates may be public lender rates, lender-submitted rates, or broker-sourced rates. Broker-sourced rates may not be available directly from the lender. HELOC rates are variable interest rates that are based on your lender's prime rate. Minimum monthly payment is estimated as an interest-only payment based on the drawn HELOC amount. | Best Canada HELOC Rates - 4.45% | WOWA.ca | 2026-11-14 |
Laurentian Bank
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 3-year fixed (insured) | 6.09% | fixed rate via a bank channel, as published by the source. | WOWA: Best Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 5-year fixed (insured) | 4.69% | fixed rate via a bank channel, as published by the source. | WOWA: Best 5-Year Fixed Mortgage Rates in Canada | 2026-11-13 |
Libro Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 1 Year Closed | 5.590% | Residential Mortgage Rates; On approved credit for owner-occupied residential properties. Rate discounts and 120-day rate guarantee may apply (excluding High-Ratio rates); All rates are subject to change without notice. | Mortgage Rates | Libro CU | Updated: October 29, 2026 12:00 AM |
| Mortgage | 1st Mortgage Variable 5 Year Closed from (Prime - 0.30%) | 4.400% | Residential Mortgage Rates; On approved credit for owner-occupied residential properties. Rate discounts and 120-day rate guarantee may apply (excluding High-Ratio rates); All rates are subject to change without notice. Open option + 0.80% | Mortgage Rates | Libro CU | Updated: October 29, 2026 12:00 AM |
| Mortgage | 2 Year Closed | 5.390% | Residential Mortgage Rates; On approved credit for owner-occupied residential properties. Rate discounts and 120-day rate guarantee may apply (excluding High-Ratio rates); All rates are subject to change without notice. | Mortgage Rates | Libro CU | Updated: October 29, 2026 12:00 AM |
| Mortgage | 3 Year Closed | 5.290% | Residential Mortgage Rates; On approved credit for owner-occupied residential properties. Rate discounts and 120-day rate guarantee may apply (excluding High-Ratio rates); All rates are subject to change without notice. | Mortgage Rates | Libro CU | Updated: October 29, 2026 12:00 AM |
| Mortgage | 3 Year Closed - High-Ratio | 4.590% | Residential Mortgage Rates; On approved credit for owner-occupied residential properties. Rate discounts and 120-day rate guarantee may apply (excluding High-Ratio rates); All rates are subject to change without notice. | Mortgage Rates | Libro CU | Updated: October 29, 2026 12:00 AM |
| Mortgage | 3-year fixed (insurable) | 5.29% | 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) | 4.59% | 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) | 4.59% | fixed rate via a credit union channel, as published by the source. | WOWA: Best Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 4 Year Closed | 5.290% | Residential Mortgage Rates; On approved credit for owner-occupied residential properties. Rate discounts and 120-day rate guarantee may apply (excluding High-Ratio rates); All rates are subject to change without notice. | Mortgage Rates | Libro CU | Updated: October 29, 2026 12:00 AM |
| Mortgage | 5 Year Closed | 5.340% | Residential Mortgage Rates; On approved credit for owner-occupied residential properties. Rate discounts and 120-day rate guarantee may apply (excluding High-Ratio rates); All rates are subject to change without notice. | Mortgage Rates | Libro CU | Updated: October 29, 2026 12:00 AM |
| Mortgage | 5 Year Closed (2.5% Cash Back)* | 5.940% | Residential Mortgage Rates; On approved credit for owner-occupied residential properties. Rate discounts and 120-day rate guarantee may apply (excluding High-Ratio rates); All rates are subject to change without notice. | Mortgage Rates | Libro CU | Updated: October 29, 2026 12:00 AM |
| Mortgage | 5 Year Closed - High-Ratio | 4.640% | Residential Mortgage Rates; On approved credit for owner-occupied residential properties. Rate discounts and 120-day rate guarantee may apply (excluding High-Ratio rates); All rates are subject to change without notice. | Mortgage Rates | Libro CU | Updated: October 29, 2026 12:00 AM |
| Mortgage | 5-year fixed (insured) | 4.64% | 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) | 4.64% | fixed rate via a credit union channel, as published by the source. | WOWA: Best 5-Year Fixed Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 6 Month Closed | 7.750% | Residential Mortgage Rates; On approved credit for owner-occupied residential properties. Rate discounts and 120-day rate guarantee may apply (excluding High-Ratio rates); All rates are subject to change without notice. | Mortgage Rates | Libro CU | Updated: October 29, 2026 12:00 AM |
| Mortgage | 7 Year Closed | 6.290% | Residential Mortgage Rates; On approved credit for owner-occupied residential properties. Rate discounts and 120-day rate guarantee may apply (excluding High-Ratio rates); All rates are subject to change without notice. | Mortgage Rates | Libro CU | Updated: October 29, 2026 12:00 AM |
| Mortgage | Libro Prime Rate | 4.700% | Libro Prime Rate printed at top of page | Mortgage Rates | Libro CU | Updated: October 29, 2026 12:00 AM |
LowestRates.ca
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 1-year fixed (65% LTV) | 4.19% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 1-year fixed (65% LTV) | 4.19% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 1-year fixed (65% LTV) | 4.19% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 1-year fixed (65% LTV) | 4.19% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 1-year fixed (65% LTV) | 4.19% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| Mortgage | 1-year fixed (65% LTV) | 4.19% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| Mortgage | 1-year fixed (80% LTV) | 4.19% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 1-year fixed (80% LTV) | 4.19% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 1-year fixed (80% LTV) | 4.19% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 1-year fixed (80% LTV) | 4.19% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 1-year fixed (80% LTV) | 4.19% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| Mortgage | 1-year fixed (80% LTV) | 4.19% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| Mortgage | 1-year fixed (Bank Rate) | 4.99% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 1-year fixed (Bank Rate) | 4.99% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 1-year fixed (Bank Rate) | 4.99% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 1-year fixed (Bank Rate) | 4.99% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 1-year fixed (Bank Rate) | 4.99% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| Mortgage | 1-year fixed (Bank Rate) | 4.99% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| Mortgage | 1-year fixed (Bank Rate, posted) | 4.99% | Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 1-year fixed (insured) | 4.64% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 1-year fixed (insured) | 4.64% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 1-year fixed (insured) | 4.64% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 1-year fixed (insured) | 4.64% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 1-year fixed (insured) | 4.64% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| Mortgage | 1-year fixed (insured) | 4.64% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| Mortgage | 1-year fixed (insured) | 4.64% | Insured: borrowers who have purchased mortgage default insurance, required when you purchase a home with less than a 20% down payment, owner-occupied, amortization 25 years or less. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 1-year fixed (uninsured) | 4.99% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 1-year fixed (uninsured) | 4.99% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 1-year fixed (uninsured) | 4.99% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 1-year fixed (uninsured) | 4.99% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 1-year fixed (uninsured) | 4.99% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| Mortgage | 1-year fixed (uninsured) | 4.99% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| Mortgage | 1-year fixed (uninsured) | 4.99% | Uninsured: purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 10-year fixed (65% LTV) | 4.34% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 10-year fixed (65% LTV) | 4.34% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 10-year fixed (65% LTV) | 4.34% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 10-year fixed (65% LTV) | 4.34% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 10-year fixed (65% LTV) | 4.34% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| Mortgage | 10-year fixed (65% LTV) | 4.34% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| Mortgage | 10-year fixed (80% LTV) | 4.34% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 10-year fixed (80% LTV) | 4.34% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 10-year fixed (80% LTV) | 4.34% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 10-year fixed (80% LTV) | 4.34% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 10-year fixed (80% LTV) | 4.34% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| Mortgage | 10-year fixed (80% LTV) | 4.34% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| Mortgage | 10-year fixed (Bank Rate) | 6.09% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 10-year fixed (Bank Rate) | 6.09% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 10-year fixed (Bank Rate) | 6.09% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 10-year fixed (Bank Rate) | 6.09% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 10-year fixed (Bank Rate) | 6.09% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| Mortgage | 10-year fixed (Bank Rate) | 6.09% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| Mortgage | 10-year fixed (Bank Rate, posted) | 6.09% | Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 10-year fixed (insured) | 5.04% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 10-year fixed (insured) | 5.04% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 10-year fixed (insured) | 5.04% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 10-year fixed (insured) | 5.04% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 10-year fixed (insured) | 5.04% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| Mortgage | 10-year fixed (insured) | 5.04% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| Mortgage | 10-year fixed (insured) | 5.04% | Insured: borrowers who have purchased mortgage default insurance, required when you purchase a home with less than a 20% down payment, owner-occupied, amortization 25 years or less. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 10-year fixed (uninsured) | 5.24% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 10-year fixed (uninsured) | 5.24% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 10-year fixed (uninsured) | 5.24% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 10-year fixed (uninsured) | 5.24% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 10-year fixed (uninsured) | 5.24% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| Mortgage | 10-year fixed (uninsured) | 5.24% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| Mortgage | 10-year fixed (uninsured) | 5.24% | Uninsured: purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 2-year fixed (65% LTV) | 3.89% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 2-year fixed (65% LTV) | 3.89% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 2-year fixed (65% LTV) | 3.89% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 2-year fixed (65% LTV) | 3.89% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 2-year fixed (65% LTV) | 3.89% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| Mortgage | 2-year fixed (65% LTV) | 3.89% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| Mortgage | 2-year fixed (80% LTV) | 3.89% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 2-year fixed (80% LTV) | 3.89% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 2-year fixed (80% LTV) | 3.89% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 2-year fixed (80% LTV) | 3.89% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 2-year fixed (80% LTV) | 3.89% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| Mortgage | 2-year fixed (80% LTV) | 3.89% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| Mortgage | 2-year fixed (Bank Rate) | 4.53% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 2-year fixed (Bank Rate) | 4.53% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 2-year fixed (Bank Rate) | 4.53% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 2-year fixed (Bank Rate) | 4.53% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 2-year fixed (Bank Rate) | 4.53% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| Mortgage | 2-year fixed (Bank Rate) | 4.53% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| Mortgage | 2-year fixed (Bank Rate, posted) | 4.53% | Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 2-year fixed (insured) | 3.99% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 2-year fixed (insured) | 3.99% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 2-year fixed (insured) | 3.99% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 2-year fixed (insured) | 3.99% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 2-year fixed (insured) | 3.99% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| Mortgage | 2-year fixed (insured) | 3.99% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| Mortgage | 2-year fixed (insured) | 3.99% | Insured: borrowers who have purchased mortgage default insurance, required when you purchase a home with less than a 20% down payment, owner-occupied, amortization 25 years or less. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 2-year fixed (uninsured) | 4.44% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 2-year fixed (uninsured) | 4.44% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 2-year fixed (uninsured) | 4.44% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 2-year fixed (uninsured) | 4.44% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 2-year fixed (uninsured) | 4.44% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| Mortgage | 2-year fixed (uninsured) | 4.44% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| Mortgage | 2-year fixed (uninsured) | 4.44% | Uninsured: purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year fixed (65% LTV) | 3.79% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year fixed (65% LTV) | 3.79% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year fixed (65% LTV) | 3.79% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year fixed (65% LTV) | 3.79% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year fixed (65% LTV) | 3.79% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| Mortgage | 3-year fixed (65% LTV) | 3.79% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year fixed (80% LTV) | 3.79% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year fixed (80% LTV) | 3.79% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year fixed (80% LTV) | 3.79% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year fixed (80% LTV) | 3.79% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year fixed (80% LTV) | 3.79% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| Mortgage | 3-year fixed (80% LTV) | 3.79% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year fixed (Bank Rate) | 4.39% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year fixed (Bank Rate) | 4.39% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year fixed (Bank Rate) | 4.39% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year fixed (Bank Rate) | 4.39% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year fixed (Bank Rate) | 4.39% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| Mortgage | 3-year fixed (Bank Rate) | 4.39% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year fixed (Bank Rate, posted) | 4.39% | Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year fixed (insured) | 3.69% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year fixed (insured) | 3.69% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year fixed (insured) | 3.69% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year fixed (insured) | 3.69% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year fixed (insured) | 3.69% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| Mortgage | 3-year fixed (insured) | 3.69% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year fixed (insured) | 3.69% | Insured: borrowers who have purchased mortgage default insurance, required when you purchase a home with less than a 20% down payment, owner-occupied, amortization 25 years or less. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year fixed (uninsured) | 3.9% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year fixed (uninsured) | 3.9% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year fixed (uninsured) | 3.9% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year fixed (uninsured) | 3.9% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year fixed (uninsured) | 3.9% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| Mortgage | 3-year fixed (uninsured) | 3.9% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year fixed (uninsured) | 3.9% | Uninsured: purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year variable (65% LTV) | 3.9% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year variable (65% LTV) | 3.9% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year variable (65% LTV) | 3.9% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year variable (65% LTV) | 3.9% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year variable (65% LTV) | 3.9% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| Mortgage | 3-year variable (65% LTV) | 3.9% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year variable (80% LTV) | 3.95% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year variable (80% LTV) | 3.95% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year variable (80% LTV) | 3.95% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year variable (80% LTV) | 3.95% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year variable (80% LTV) | 3.95% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| Mortgage | 3-year variable (80% LTV) | 3.95% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year variable (Bank Rate) | 5.95% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year variable (Bank Rate) | 5.95% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year variable (Bank Rate) | 5.95% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year variable (Bank Rate) | 5.95% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year variable (Bank Rate) | 5.95% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| Mortgage | 3-year variable (Bank Rate) | 5.95% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year variable (Bank Rate, posted) | 5.95% | Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year variable (insured) | 3.9% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year variable (insured) | 3.9% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year variable (insured) | 3.9% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year variable (insured) | 3.9% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year variable (insured) | 3.9% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| Mortgage | 3-year variable (insured) | 3.9% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year variable (insured) | 3.9% | Insured: borrowers who have purchased mortgage default insurance, required when you purchase a home with less than a 20% down payment, owner-occupied, amortization 25 years or less. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year variable (uninsured) | 3.9% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year variable (uninsured) | 3.9% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year variable (uninsured) | 3.9% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year variable (uninsured) | 3.9% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year variable (uninsured) | 3.9% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| Mortgage | 3-year variable (uninsured) | 3.9% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| Mortgage | 3-year variable (uninsured) | 3.9% | Uninsured: purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 4-year fixed (65% LTV) | 3.99% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 4-year fixed (65% LTV) | 3.99% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 4-year fixed (65% LTV) | 3.99% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 4-year fixed (65% LTV) | 3.99% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 4-year fixed (65% LTV) | 3.99% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| Mortgage | 4-year fixed (65% LTV) | 3.99% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| Mortgage | 4-year fixed (80% LTV) | 3.99% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 4-year fixed (80% LTV) | 3.99% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 4-year fixed (80% LTV) | 3.99% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 4-year fixed (80% LTV) | 3.99% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 4-year fixed (80% LTV) | 3.99% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| Mortgage | 4-year fixed (80% LTV) | 3.99% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| Mortgage | 4-year fixed (Bank Rate) | 4.44% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 4-year fixed (Bank Rate) | 4.44% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 4-year fixed (Bank Rate) | 4.44% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 4-year fixed (Bank Rate) | 4.44% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 4-year fixed (Bank Rate) | 4.44% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| Mortgage | 4-year fixed (Bank Rate) | 4.44% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| Mortgage | 4-year fixed (Bank Rate, posted) | 4.44% | Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 4-year fixed (insured) | 3.84% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 4-year fixed (insured) | 3.84% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 4-year fixed (insured) | 3.84% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 4-year fixed (insured) | 3.84% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 4-year fixed (insured) | 3.84% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| Mortgage | 4-year fixed (insured) | 3.84% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| Mortgage | 4-year fixed (insured) | 3.84% | Insured: borrowers who have purchased mortgage default insurance, required when you purchase a home with less than a 20% down payment, owner-occupied, amortization 25 years or less. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 4-year fixed (uninsured) | 4.39% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 4-year fixed (uninsured) | 4.39% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 4-year fixed (uninsured) | 4.39% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 4-year fixed (uninsured) | 4.39% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 4-year fixed (uninsured) | 4.39% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| Mortgage | 4-year fixed (uninsured) | 4.39% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| Mortgage | 4-year fixed (uninsured) | 4.39% | Uninsured: purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year fixed (65% LTV) | 3.55% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year fixed (65% LTV) | 3.55% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year fixed (65% LTV) | 3.55% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year fixed (65% LTV) | 3.55% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year fixed (65% LTV) | 3.55% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| Mortgage | 5-year fixed (65% LTV) | 3.55% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year fixed (80% LTV) | 3.55% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year fixed (80% LTV) | 3.55% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year fixed (80% LTV) | 3.55% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year fixed (80% LTV) | 3.55% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year fixed (80% LTV) | 3.55% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| Mortgage | 5-year fixed (80% LTV) | 3.55% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year fixed (Bank Rate) | 4.19% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year fixed (Bank Rate) | 4.19% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year fixed (Bank Rate) | 4.19% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year fixed (Bank Rate) | 4.19% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year fixed (Bank Rate) | 4.19% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| Mortgage | 5-year fixed (Bank Rate) | 4.19% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year fixed (Bank Rate, posted) | 4.19% | Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year fixed (insured) | 3.69% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year fixed (insured) | 3.69% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year fixed (insured) | 3.69% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year fixed (insured) | 3.69% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year fixed (insured) | 3.69% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| Mortgage | 5-year fixed (insured) | 3.69% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year fixed (insured) | 3.69% | Insured: borrowers who have purchased mortgage default insurance, required when you purchase a home with less than a 20% down payment, owner-occupied, amortization 25 years or less. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year fixed (uninsured) | 3.69% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year fixed (uninsured) | 3.69% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year fixed (uninsured) | 3.69% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year fixed (uninsured) | 3.69% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year fixed (uninsured) | 3.69% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| Mortgage | 5-year fixed (uninsured) | 3.69% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year fixed (uninsured) | 3.69% | Uninsured: purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year variable (65% LTV) | 3.45% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year variable (65% LTV) | 3.45% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year variable (65% LTV) | 3.45% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year variable (65% LTV) | 3.45% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year variable (65% LTV) | 3.45% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| Mortgage | 5-year variable (65% LTV) | 3.45% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year variable (80% LTV) | 3.45% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year variable (80% LTV) | 3.45% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year variable (80% LTV) | 3.45% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year variable (80% LTV) | 3.45% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year variable (80% LTV) | 3.45% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| Mortgage | 5-year variable (80% LTV) | 3.45% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year variable (Bank Rate) | 4.24% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year variable (Bank Rate) | 4.24% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year variable (Bank Rate) | 4.24% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year variable (Bank Rate) | 4.24% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year variable (Bank Rate) | 4.24% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| Mortgage | 5-year variable (Bank Rate) | 4.24% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year variable (Bank Rate, posted) | 4.24% | Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year variable (insured) | 3.45% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year variable (insured) | 3.45% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year variable (insured) | 3.45% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year variable (insured) | 3.45% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year variable (insured) | 3.45% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| Mortgage | 5-year variable (insured) | 3.45% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year variable (insured) | 3.45% | Insured: borrowers who have purchased mortgage default insurance, required when you purchase a home with less than a 20% down payment, owner-occupied, amortization 25 years or less. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year variable (uninsured) | 3.5% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year variable (uninsured) | 3.5% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year variable (uninsured) | 3.5% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year variable (uninsured) | 3.5% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year variable (uninsured) | 3.5% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| Mortgage | 5-year variable (uninsured) | 3.5% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| Mortgage | 5-year variable (uninsured) | 3.5% | Uninsured: purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 7-year fixed (65% LTV) | 4.24% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 7-year fixed (65% LTV) | 4.24% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 7-year fixed (65% LTV) | 4.24% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 7-year fixed (65% LTV) | 4.24% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 7-year fixed (65% LTV) | 4.24% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| Mortgage | 7-year fixed (65% LTV) | 4.24% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| Mortgage | 7-year fixed (80% LTV) | 4.24% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 7-year fixed (80% LTV) | 4.24% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 7-year fixed (80% LTV) | 4.24% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 7-year fixed (80% LTV) | 4.24% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 7-year fixed (80% LTV) | 4.24% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| Mortgage | 7-year fixed (80% LTV) | 4.24% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| Mortgage | 7-year fixed (Bank Rate) | 5% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 7-year fixed (Bank Rate) | 5% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 7-year fixed (Bank Rate) | 5% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 7-year fixed (Bank Rate) | 5% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 7-year fixed (Bank Rate) | 5% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| Mortgage | 7-year fixed (Bank Rate) | 5% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| Mortgage | 7-year fixed (Bank Rate, posted) | 5% | Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 7-year fixed (insured) | 4.19% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 7-year fixed (insured) | 4.19% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 7-year fixed (insured) | 4.19% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 7-year fixed (insured) | 4.19% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 7-year fixed (insured) | 4.19% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| Mortgage | 7-year fixed (insured) | 4.19% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| Mortgage | 7-year fixed (insured) | 4.19% | Insured: borrowers who have purchased mortgage default insurance, required when you purchase a home with less than a 20% down payment, owner-occupied, amortization 25 years or less. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 7-year fixed (uninsured) | 4.89% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 7-year fixed (uninsured) | 4.89% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| Mortgage | 7-year fixed (uninsured) | 4.89% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 7-year fixed (uninsured) | 4.89% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| Mortgage | 7-year fixed (uninsured) | 4.89% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| Mortgage | 7-year fixed (uninsured) | 4.89% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| Mortgage | 7-year fixed (uninsured) | 4.89% | Uninsured: purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
MCAP
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 3-year fixed (broker channel) | 4.69% | fixed rate via a monoline channel, as published by the source. | Ratehub.ca: Broker Mortgage Rates | 2026-11-13 |
| Mortgage | 5-year fixed (broker channel) | 4.94% | fixed rate via a monoline channel, as published by the source. | Ratehub.ca: Broker Mortgage Rates | 2026-11-13 |
| Mortgage | 5-year variable (broker channel) | 4.15% | variable rate via a monoline channel, as published by the source. | Ratehub.ca: Broker Mortgage Rates | 2026-11-13 |
Mainstreet Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 3-year Fixed | 4.79% | Fixed Mortgage Rate | Mortgages | Mainstreet Credit Union | |
| Mortgage | 5-year Fixed | 4.94% | Fixed Mortgage Rate | Mortgages | Mainstreet Credit Union | |
| Mortgage | 5-year Variable | 3.95% | Variable Mortgage Rate; Your monthly mortgage payments can go up or down based on Mainstreet's prime interest rate | Mortgages | Mainstreet Credit Union |
Manulife Bank
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 3-year fixed (insured) | 5.39% | fixed rate via a bank channel, as published by the source. | WOWA: Best Mortgage Rates in Canada | 2026-11-13 |
| 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 | Manulife Bank Prime Rate | 4.70% | Current rates; Manulife Bank Select; Manulife Bank Prime Rate is a variable rate and subject to change without notice | Current Rates | Manulife Bank | 2026-11-15 |
| Mortgage | Manulife Bank Select High Ratio mortgage 5-year closed fixed-rate (special) | 4.89% | Special rates; As low as 4.89% (APR); high-ratio Manulife Bank Select mortgage 5-year fixed term rate, current as of October 20, 2026; applies to new owner-occupied Manulife Bank Select High Ratio Purchase and Manulife Bank Insured Lender Switch mortgages up to $1 million, and is for new deals; subject to credit approval; discounted rate program | Current Rates | Manulife Bank | current as of October 20, 2026 |
| Mortgage | Manulife Bank Select Mortgage 5-year closed fixed-rate (special) Promotional | 5.04% | Special rates; As low as 5.04% (APR); New clients only; insurable Manulife Bank Select 5-year fixed term rate for loan to values up to 65%, current as of October 20, 2026; applies to new personal owner-occupied mortgages on primary residence with a value less than $1 million, who also meet additional insurability requirements; subject to credit approval; discounted rate program; the posted 5-year rate is 5.59% | Current Rates | Manulife Bank | current as of October 20, 2026 |
| Mortgage | Manulife Bank Select fixed-rate 1-year closed | 6.89% | Current rates; Manulife Bank Select; Fixed-rate terms; APR (%) | Current Rates | Manulife Bank | 2026-11-15 |
| Mortgage | Manulife Bank Select fixed-rate 10-year closed | 6.69% | Current rates; Manulife Bank Select; Fixed-rate terms; APR (%) | Current Rates | Manulife Bank | 2026-11-15 |
| Mortgage | Manulife Bank Select fixed-rate 2-year closed | 6.34% | Current rates; Manulife Bank Select; Fixed-rate terms; APR (%) | Current Rates | Manulife Bank | 2026-11-15 |
| Mortgage | Manulife Bank Select fixed-rate 3-year closed | 5.39% | Current rates; Manulife Bank Select; Fixed-rate terms; APR (%) | Current Rates | Manulife Bank | 2026-11-15 |
| Mortgage | Manulife Bank Select fixed-rate 4-year closed | 5.69% | Current rates; Manulife Bank Select; Fixed-rate terms; APR (%) | Current Rates | Manulife Bank | 2026-11-15 |
| Mortgage | Manulife Bank Select fixed-rate 5-year closed | 5.59% | Current rates; Manulife Bank Select; Fixed-rate terms; APR (%) | Current Rates | Manulife Bank | 2026-11-15 |
| Mortgage | Manulife Bank Select fixed-rate 7-year closed | 6.35% | Current rates; Manulife Bank Select; Fixed-rate terms; APR (%) | Current Rates | Manulife Bank | 2026-11-15 |
| Mortgage | Manulife Bank Select variable-rate 5-year closed (Manulife Bank prime + 0.00%) | 4.70% | Current rates; Manulife Bank Select; Variable-rate terms; APR (%) | Current Rates | Manulife Bank | 2026-11-15 |
| Mortgage | Manulife Bank Select variable-rate 5-year open (Manulife Bank prime + 1.00%) | 5.70% | Current rates; Manulife Bank Select; Variable-rate terms; APR (%) | Current Rates | Manulife Bank | 2026-11-15 |
| Mortgage | Manulife One 5-year closed fixed-rate (special) Promotional | 5.04% | Special rates; As low as 5.04% (APR); New clients only; Preferred Manulife One 5-year fixed term sub-account rate, current as of October 20, 2026; applies to personal owner-occupied mortgages on primary residence, who also meet additional Preferred structure requirements; subject to credit approval; discounted rate program; the posted 5-year rate is 5.59% | Current Rates | Manulife Bank | current as of October 20, 2026 |
| Mortgage | Manulife One Base Rate | 5.20% | Current rates; Manulife One | Current Rates | Manulife Bank | 2026-11-15 |
| Mortgage | Manulife One fixed-rate sub-account 1-year closed | 6.89% | Current rates; Manulife One; Fixed-rate sub-account terms; APR (%) | Current Rates | Manulife Bank | 2026-11-15 |
| Mortgage | Manulife One fixed-rate sub-account 10-year closed | 6.69% | Current rates; Manulife One; Fixed-rate sub-account terms; APR (%) | Current Rates | Manulife Bank | 2026-11-15 |
| Mortgage | Manulife One fixed-rate sub-account 2-year closed | 6.34% | Current rates; Manulife One; Fixed-rate sub-account terms; APR (%) | Current Rates | Manulife Bank | 2026-11-15 |
| Mortgage | Manulife One fixed-rate sub-account 3-year closed | 5.39% | Current rates; Manulife One; Fixed-rate sub-account terms; APR (%) | Current Rates | Manulife Bank | 2026-11-15 |
| Mortgage | Manulife One fixed-rate sub-account 4-year closed | 5.69% | Current rates; Manulife One; Fixed-rate sub-account terms; APR (%) | Current Rates | Manulife Bank | 2026-11-15 |
| Mortgage | Manulife One fixed-rate sub-account 5-year closed | 5.59% | Current rates; Manulife One; Fixed-rate sub-account terms; APR (%) | Current Rates | Manulife Bank | 2026-11-15 |
| Mortgage | Manulife One fixed-rate sub-account 7-year closed | 6.35% | Current rates; Manulife One; Fixed-rate sub-account terms; APR (%) | Current Rates | Manulife Bank | 2026-11-15 |
| Mortgage | Manulife One variable-rate sub-account 5-year open (Base Rate plus 0%) | 5.20% | Current rates; Manulife One; Variable-rate sub-account terms; APR (%) | Current Rates | Manulife Bank | 2026-11-15 |
| Mortgage | Preferred Rate Mortgage 1-year closed | 6.89% | Preferred Rate Mortgage; APR (%) as printed in the table heading | Current Rates | Manulife Bank | 2026-11-15 |
| Mortgage | Preferred Rate Mortgage 1-year open | 6.95% | Preferred Rate Mortgage; APR (%) as printed in the table heading | Current Rates | Manulife Bank | 2026-11-15 |
| Mortgage | Preferred Rate Mortgage 10-year closed | 6.69% | Preferred Rate Mortgage; APR (%) as printed in the table heading | Current Rates | Manulife Bank | 2026-11-15 |
| Mortgage | Preferred Rate Mortgage 2-year closed | 6.34% | Preferred Rate Mortgage; APR (%) as printed in the table heading | Current Rates | Manulife Bank | 2026-11-15 |
| Mortgage | Preferred Rate Mortgage 3-year closed | 5.39% | Preferred Rate Mortgage; APR (%) as printed in the table heading | Current Rates | Manulife Bank | 2026-11-15 |
| Mortgage | Preferred Rate Mortgage 4-year closed | 5.69% | Preferred Rate Mortgage; APR (%) as printed in the table heading | Current Rates | Manulife Bank | 2026-11-15 |
| Mortgage | Preferred Rate Mortgage 5-year closed | 5.59% | Preferred Rate Mortgage; APR (%) as printed in the table heading | Current Rates | Manulife Bank | 2026-11-15 |
| Mortgage | Preferred Rate Mortgage 6-month closed | 7.99% | Preferred Rate Mortgage; APR (%) as printed in the table heading | Current Rates | Manulife Bank | 2026-11-15 |
| Mortgage | Preferred Rate Mortgage 7-year closed | 6.35% | Preferred Rate Mortgage; APR (%) as printed in the table heading | Current Rates | Manulife Bank | 2026-11-15 |
Marathon Mortgage
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 6 Month Fixed Rate - (Purchases & Switches) | 3.99% | LTV 95% or less Insurance premium required on all LTVs (capitalized into mortgage); Rates may vary provincially and are subject to change without notice OAC; Renewal rates may differ | Rates - Marathon Mortgage | 2026-11-15 |
| Mortgage | Adjustable Rates (Purchases & Refinances) Uninsurable: 5 Year Term | Prime minus 0.10% | Prime Rate (P) 4.70% as printed on the page; Rates may vary provincially and are subject to change without notice OAC; Renewal rates may differ | Rates - Marathon Mortgage | 2026-11-15 |
| Mortgage | Adjustable Rates (Purchases & Switches) Insured/Insurable: 5 Year Term | Prime minus 0.90% | Prime Rate (P) 4.70% as printed on the page; Rates may vary provincially and are subject to change without notice OAC; Renewal rates may differ | Rates - Marathon Mortgage | 2026-11-15 |
| Mortgage | Fixed Rates (Purchases & Refinances) Uninsurable: 5 Year Term | 5.20% | Rates may vary provincially and are subject to change without notice OAC; Renewal rates may differ | Rates - Marathon Mortgage | 2026-11-15 |
| Mortgage | Fixed Rates (Purchases & Switches) Insured/Insurable: 2 Year Term | 5.69% | Rates may vary provincially and are subject to change without notice OAC; Renewal rates may differ | Rates - Marathon Mortgage | 2026-11-15 |
| Mortgage | Fixed Rates (Purchases & Switches) Insured/Insurable: 3 Year Term | 4.74% | Rates may vary provincially and are subject to change without notice OAC; Renewal rates may differ | Rates - Marathon Mortgage | 2026-11-15 |
| Mortgage | Fixed Rates (Purchases & Switches) Insured/Insurable: 4 Year Term | 5.24% | Rates may vary provincially and are subject to change without notice OAC; Renewal rates may differ | Rates - Marathon Mortgage | 2026-11-15 |
| Mortgage | Fixed Rates (Purchases & Switches) Insured/Insurable: 5 Year Term | 4.69% Purchases/ 4.79% Transfers | Rates may vary provincially and are subject to change without notice OAC; Renewal rates may differ | Rates - Marathon Mortgage | 2026-11-15 |
| Mortgage | Prime Rate (P) | 4.70% | Rates may vary provincially and are subject to change without notice OAC; Renewal rates may differ | Rates - Marathon Mortgage | 2026-11-15 |
Meridian
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 3 year, fixed | 4.69% | fixed & variable rate mortgages in Ontario, via Homewise | Today's Mortgage Rates in Canada - NerdWallet Canada | Rates updated: Nov 14, 2026 |
| Mortgage | 3-year fixed (insurable) | 4.84% | 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) | 4.49% | 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 | 5 year variable | 3.79% | fixed & variable rate mortgages in Ontario, via Homewise | Today's Mortgage Rates in Canada - NerdWallet Canada | Rates updated: Nov 14, 2026 |
| Mortgage | 5 year, fixed | 4.79% | fixed & variable rate mortgages in Ontario, via Homewise | Today's Mortgage Rates in Canada - NerdWallet Canada | Rates updated: Nov 14, 2026 |
| Mortgage | 5-year fixed (insured) | 4.69% | 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 |
| HELOC | HELOC | 5.20% | Prime + 0.50% | Best Canada HELOC Rates - 4.45% | WOWA.ca | As of November 14th, 2026 |
| HELOC | HELOC (variable) | 5.20% (Prime + 0.50%) | Rates may be public lender rates, lender-submitted rates, or broker-sourced rates. Broker-sourced rates may not be available directly from the lender. HELOC rates are variable interest rates that are based on your lender's prime rate. Minimum monthly payment is estimated as an interest-only payment based on the drawn HELOC amount. | Best Canada HELOC Rates - 4.45% | WOWA.ca | 2026-11-14 |
Meridian Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 1-Year Closed | 6.09% | Fixed rate mortgages, Posted rates - 6.19% APR1 | Current Meridian mortgage rates | The current Meridian Prime Rate is 4.70% as of October 29, 2026. |
| Mortgage | 1-Year Open | 8.00% | Fixed rate mortgages, Posted rates - 8.10% APR1 | Current Meridian mortgage rates | The current Meridian Prime Rate is 4.70% as of October 29, 2026. |
| Mortgage | 10-Year Closed | 6.99% | Fixed rate mortgages, Posted rates - 7.00% APR1 | Current Meridian mortgage rates | The current Meridian Prime Rate is 4.70% as of October 29, 2026. |
| Mortgage | 2-Year Closed | 5.74% | Fixed rate mortgages, Posted rates - 5.79% APR1 | Current Meridian mortgage rates | The current Meridian Prime Rate is 4.70% as of October 29, 2026. |
| Mortgage | 3-Year Closed | 6.54% | Fixed rate mortgages, Posted rates - 6.57% APR1 | Current Meridian mortgage rates | The current Meridian Prime Rate is 4.70% as of October 29, 2026. |
| Mortgage | 3-Year Closed (special offer) Promotional | 4.84% | Fixed rate mortgages, Special offers - 4.87% APR1 | Current Meridian mortgage rates | The current Meridian Prime Rate is 4.70% as of October 29, 2026. |
| Mortgage | 3-Year Closed High Ratio (special offer) Promotional | 4.49% | Fixed rate mortgages, Special offers - 4.37% APR1 | Current Meridian mortgage rates | The current Meridian Prime Rate is 4.70% as of October 29, 2026. |
| Mortgage | 3-year fixed (broker channel) | 4.69% | fixed rate via a credit union channel, as published by the source. | Ratehub.ca: Broker Mortgage Rates | 2026-11-13 |
| Mortgage | 3-year fixed (insured) | 4.49% | fixed rate via a credit union channel, as published by the source. | WOWA: Best Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 4-Year Closed | 6.19% | Fixed rate mortgages, Posted rates - 6.22% APR1 | Current Meridian mortgage rates | The current Meridian Prime Rate is 4.70% as of October 29, 2026. |
| Mortgage | 4-Year Closed (special offer) Promotional | 4.79% | Fixed rate mortgages, Special offers - 4.82% APR1 | Current Meridian mortgage rates | The current Meridian Prime Rate is 4.70% as of October 29, 2026. |
| Mortgage | 5-Year Closed | 6.49% | Fixed rate mortgages, Posted rates - 4.76% APR1 | Current Meridian mortgage rates | The current Meridian Prime Rate is 4.70% as of October 29, 2026. |
| Mortgage | 5-Year Closed (special offer) Promotional | 4.99% | Fixed rate mortgages, Special offers - 5.01% APR1 | Current Meridian mortgage rates | The current Meridian Prime Rate is 4.70% as of October 29, 2026. |
| Mortgage | 5-Year Closed High Ratio | 3.79% | Variable-rate mortgage - 3.81% APR1 | Current Meridian mortgage rates | The current Meridian Prime Rate is 4.70% as of October 29, 2026. |
| Mortgage | 5-Year Closed High Ratio (special offer) Promotional | 4.69% | Fixed rate mortgages, Special offers - 4.71% APR1 | Current Meridian mortgage rates | The current Meridian Prime Rate is 4.70% as of October 29, 2026. |
| Mortgage | 5-year fixed (broker channel) | 4.79% | fixed rate via a credit union channel, as published by the source. | Ratehub.ca: Broker Mortgage Rates | 2026-11-13 |
| Mortgage | 5-year fixed (insured) | 4.69% | fixed rate via a credit union channel, as published by the source. | WOWA: Best 5-Year Fixed Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 5-year variable (broker channel) | 3.79% | variable rate via a credit union channel, as published by the source. | Ratehub.ca: Broker Mortgage Rates | 2026-11-13 |
| Mortgage | 6-Month Convertible | 7.84% | Fixed rate mortgages, Posted rates - 7.98% APR1 | Current Meridian mortgage rates | The current Meridian Prime Rate is 4.70% as of October 29, 2026. |
| Mortgage | 7-Year Closed | 6.89% | Fixed rate mortgages, Posted rates - 6.90% APR1 | Current Meridian mortgage rates | The current Meridian Prime Rate is 4.70% as of October 29, 2026. |
Multi-Prêts Hypothèques
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 1-year fixed | 4.59% | These are the broker's own published rates, printed on its homepage under Afficher les meilleurs taux pour: Taux fixe. As printed: * Certaines conditions peuvent s'appliquer. Sujet à changement sans préavis. Les taux peuvent varier en fonction du montant emprunté, des garanties offertes ou d'autres facteurs. Veuillez vous référer à votre courtier Multi-Prêts pour plus de détails | Multi-Prêts Hypothèques | Le réseau de courtiers hypothécaires | 2026-11-14 |
| Mortgage | 3-year fixed | 3.99% | These are the broker's own published rates, printed on its homepage under Afficher les meilleurs taux pour: Taux fixe. As printed: * Certaines conditions peuvent s'appliquer. Sujet à changement sans préavis. Les taux peuvent varier en fonction du montant emprunté, des garanties offertes ou d'autres facteurs. Veuillez vous référer à votre courtier Multi-Prêts pour plus de détails | Multi-Prêts Hypothèques | Le réseau de courtiers hypothécaires | 2026-11-14 |
| Mortgage | 5-year fixed | 4.14% | These are the broker's own published rates, printed on its homepage under Afficher les meilleurs taux pour: Taux fixe. As printed: * Certaines conditions peuvent s'appliquer. Sujet à changement sans préavis. Les taux peuvent varier en fonction du montant emprunté, des garanties offertes ou d'autres facteurs. Veuillez vous référer à votre courtier Multi-Prêts pour plus de détails | Multi-Prêts Hypothèques | Le réseau de courtiers hypothécaires | 2026-11-14 |
| Mortgage | 7-year fixed | 4.54% | These are the broker's own published rates, printed on its homepage under Afficher les meilleurs taux pour: Taux fixe. As printed: * Certaines conditions peuvent s'appliquer. Sujet à changement sans préavis. Les taux peuvent varier en fonction du montant emprunté, des garanties offertes ou d'autres facteurs. Veuillez vous référer à votre courtier Multi-Prêts pour plus de détails | Multi-Prêts Hypothèques | Le réseau de courtiers hypothécaires | 2026-11-14 |
| Mortgage | Variable | 3.45% | These are the broker's own published rates, printed on its homepage under Afficher les meilleurs taux pour: Taux variable, listed as Variable with no term printed and no prime-relative wording printed. As printed: * Certaines conditions peuvent s'appliquer. Sujet à changement sans préavis. Les taux peuvent varier en fonction du montant emprunté, des garanties offertes ou d'autres facteurs. Veuillez vous référer à votre courtier Multi-Prêts pour plus de détails | Multi-Prêts Hypothèques | Le réseau de courtiers hypothécaires | 2026-11-14 |
National Bank
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 1 year fixed rate (promotion) Promotional | 5.49% | Special offers on certain terms; PROMOTION; Other promotional rates table as printed, with APR in the same table; APR 5.61%** | Mortgage rates: see current rates | National Bank | 2026-11-15 |
| Mortgage | 1-year fixed (special offer) Promotional | 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 | 10-year fixed (Bank Rate) | 6.09% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 10-year fixed (Bank Rate, posted) | 6.09% | Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. Updated 11:04 on Nov 14, 2026 | Halal mortgages in Canada | RATESDOTCA | 2026-11-14 |
| Mortgage | 2 year fixed rate (promotion) Promotional | 5.19% | Special offers on certain terms; PROMOTION; Other promotional rates table as printed, with APR in the same table; APR 5.26%** | Mortgage rates: see current rates | National Bank | 2026-11-15 |
| Mortgage | 3-year fixed (closed) | 6.09% | Posted | National Bank Mortgages: Rates, Prepayment, Penalties, HELOC | As shown on National Bank’s rates page, rates “as at 11-02-2026” |
| Mortgage | 3-year fixed (insurable) | 5.09% | 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) | 5.09% | 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) | 5.09% | fixed rate via a bank channel, as published by the source. | WOWA: Best Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 3-year fixed (special offer) Promotional | 5.09% | fixed rate via a bank channel, as published by the source. | BankMortgages.ca: Big-Bank Mortgage Penalties and Rates, Compared | 2026-11-02 |
| Mortgage | 3-year fixed (uninsurable) | 5.09% | 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 | 4-year fixed (Bank Rate) | 4.44% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 4-year fixed (Bank Rate, posted) | 4.44% | Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. Updated 11:04 on Nov 14, 2026 | Halal mortgages in Canada | RATESDOTCA | 2026-11-14 |
| Mortgage | 5 year fixed high ratio rate (promotion) Promotional | 4.69% | Special offers on certain terms; PROMOTION; 5 year fixed high ratio rate1 as printed; no APR figure was printed for this row in the extracted text | Mortgage rates: see current rates | National Bank | 2026-11-15 |
| Mortgage | 5-year fixed (insured) | 4.69% | 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) | 6.14% | fixed rate via a bank channel, as published by the source. | NerdWallet Canada: 5-Year Fixed Mortgage Rates in Canada | 2026-11-14 |
| 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 variable, Prime - 0.35% | 4.35% | Special / advertised | National Bank Mortgages: Rates, Prepayment, Penalties, HELOC | As shown on National Bank’s rates page, rates “as at 11-02-2026” |
| Mortgage | 7 year fixed rate (promotion) Promotional | 5.34% | Special offers on certain terms; PROMOTION; Other promotional rates table as printed, with APR in the same table; APR 5.37%** | Mortgage rates: see current rates | National Bank | 2026-11-15 |
| HELOC | HELOC | 5.70% | Prime + 1.00% | Best Canada HELOC Rates - 4.45% | WOWA.ca | As of November 14th, 2026 |
| HELOC | HELOC (variable) | 5.70% (Prime + 1.00%) | Rates may be public lender rates, lender-submitted rates, or broker-sourced rates. Broker-sourced rates may not be available directly from the lender. HELOC rates are variable interest rates that are based on your lender's prime rate. Minimum monthly payment is estimated as an interest-only payment based on the drawn HELOC amount. | Best Canada HELOC Rates - 4.45% | WOWA.ca | 2026-11-14 |
| Mortgage | Prime rate | 4.70% | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | As of November 14, 2026 | |
| Mortgage | Variable (60-month), Prime + 0.00% | 4.70% | Posted | National Bank Mortgages: Rates, Prepayment, Penalties, HELOC | As shown on National Bank’s rates page, rates “as at 11-02-2026” |
Neo Financial
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 1 year, fixed | 5.94% | fixed & variable rate mortgages in Ontario, via Homewise | Today's Mortgage Rates in Canada - NerdWallet Canada | Rates updated: Nov 14, 2026 |
| Mortgage | 3 year, fixed | 4.79% | fixed & variable rate mortgages in Ontario, via Homewise | Today's Mortgage Rates in Canada - NerdWallet Canada | Rates updated: Nov 14, 2026 |
| Mortgage | 5 year variable | 3.85% | fixed & variable rate mortgages in Ontario, via Homewise | Today's Mortgage Rates in Canada - NerdWallet Canada | Rates updated: Nov 14, 2026 |
| Mortgage | 5 year, fixed | 4.69% | fixed & variable rate mortgages in Ontario, via Homewise | Today's Mortgage Rates in Canada - NerdWallet Canada | Rates updated: Nov 14, 2026 |
Newfoundland and Labrador Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 1% Cash Back - 5 Years | 5.140 | Mortgages; Prime Rate 4.700 | Rates | NLCU | |
| Mortgage | 2% Cash Back - 5 Years | 5.440 | Mortgages; Prime Rate 4.700 | Rates | NLCU | |
| Mortgage | 3% Cash Back - 5 Years | 5.740 | Mortgages; Prime Rate 4.700 | Rates | NLCU | |
| Mortgage | 4% Cash Back - 5 Years | 6.040 | Mortgages; Prime Rate 4.700 | Rates | NLCU | |
| Mortgage | 5% Cash Back - 5 Years | 6.265 | Mortgages; Prime Rate 4.700 | Rates | NLCU | |
| Mortgage | Closed - 1 Year | 5.490 | Mortgages; Prime Rate 4.700 | Rates | NLCU | |
| Mortgage | Closed - 2 Years | 5.390 | Mortgages; Prime Rate 4.700 | Rates | NLCU | |
| Mortgage | Closed - 3 Years (Special Rate) | 4.790 | Mortgages; Prime Rate 4.700 | Rates | NLCU | |
| Mortgage | Closed - 3 Years (With Mortgage Insurance) | 4.690 | Mortgages; Prime Rate 4.700 | Rates | NLCU | |
| Mortgage | Closed - 4 Years | 5.790 | Mortgages; Prime Rate 4.700 | Rates | NLCU | |
| Mortgage | Closed - 5 Years (Special Rate) | 4.890 | Mortgages; Prime Rate 4.700 | Rates | NLCU | |
| Mortgage | Closed - 5 Years (With Mortgage Insurance) | 4.790 | Mortgages; Prime Rate 4.700 | Rates | NLCU | |
| Mortgage | Closed - 7 Years (Special Rate) | 5.390 | Mortgages; Prime Rate 4.700 | Rates | NLCU | |
| Mortgage | Open - 1 Year | 9.000 | Mortgages; Prime Rate 4.700 | Rates | NLCU | |
| Mortgage | Open - 6 Months | 9.150 | Mortgages; Prime Rate 4.700 | Rates | NLCU | |
| Mortgage | Variable - 5 Years (Adjusted to Market Conditions) | 4.200 | Mortgages; Prime Rate 4.700 | Rates | NLCU |
Northern Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 1-Year Closed | 5.79 | CURRENT MORTGAGE RATES | Rates | Northern Credit Union | |
| Mortgage | 1-Year Open | 8.99 | CURRENT MORTGAGE RATES | Rates | Northern Credit Union | |
| Mortgage | 2-Year Closed | 5.89 | CURRENT MORTGAGE RATES | Rates | Northern Credit Union | |
| Mortgage | 3 Year Closed Conventional | 4.79 | MORTGAGE SPECIALS | Rates | Northern Credit Union | |
| Mortgage | 3 Year Closed High Ratio | 4.29 | MORTGAGE SPECIALS | Rates | Northern Credit Union | |
| Mortgage | 3-Year Closed | 6.09 | CURRENT MORTGAGE RATES | Rates | Northern Credit Union | |
| Mortgage | 4-Year Closed | 6.19 | CURRENT MORTGAGE RATES | Rates | Northern Credit Union | |
| Mortgage | 5-Year Closed | 6.29 | CURRENT MORTGAGE RATES | Rates | Northern Credit Union | |
| Mortgage | 5-Year Closed Conventional | 4.89 | MORTGAGE SPECIALS | Rates | Northern Credit Union | |
| Mortgage | 5-Year Closed High Ratio | 4.59 | MORTGAGE SPECIALS | Rates | Northern Credit Union | |
| Mortgage | 5-Year Open (variable) | 6.70 | VARIABLE MORTGAGES | Rates | Northern Credit Union | |
| Mortgage | 6 Month Open | 8.50 | CURRENT MORTGAGE RATES | Rates | Northern Credit Union | |
| HELOC | Meritline | 5.20 | HOME EQUITY LINES OF CREDIT | Rates | Northern Credit Union |
Omista Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 1 Year Closed Mortgage | 6.09`% | Closed Mortgage Rates | Rates | OMISTA Credit Union | |
| Mortgage | 1 Year Open Mortgage | 9.00% | Open Mortgage Rates | Rates | OMISTA Credit Union | |
| Mortgage | 2 Year Closed Mortgage | 5.84% | Closed Mortgage Rates | Rates | OMISTA Credit Union | |
| Mortgage | 2 Year Open Mortgage | 9.50% | Open Mortgage Rates | Rates | OMISTA Credit Union | |
| Mortgage | 3 Year Closed Mortgage | 5.74% | Closed Mortgage Rates | Rates | OMISTA Credit Union | |
| Mortgage | 3 Year Open Mortgage | 10.0% | Open Mortgage Rates | Rates | OMISTA Credit Union | |
| Mortgage | 4 Year Closed Mortgage | 6.09% | Closed Mortgage Rates | Rates | OMISTA Credit Union | |
| Mortgage | 5 Year Closed Mortgage | 6.19% | Closed Mortgage Rates | Rates | OMISTA Credit Union | |
| Mortgage | 6 Months Closed Mortgage | 7.99% | Closed Mortgage Rates | Rates | OMISTA Credit Union | |
| Mortgage | 6 Months Open Mortgage | 9.75% | Open Mortgage Rates | Rates | OMISTA Credit Union | |
| Mortgage | Convertible Closed Mortgage | 7.99% | Closed Mortgage Rates | Rates | OMISTA Credit Union |
Pathwise Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 1 Year Closed Fixed Mortgage | 5.99% | Current Mortgage Rates; List of rates for RESIDENTIAL MORTGAGES; Rates are subject to change, without notice, at the sole discretion of Pathwise Credit Union Limited. Terms and Conditions apply to ALL rates listed below. | Mortgages | 2026-11-15 |
| Mortgage | 1 Year Open Fixed Mortgage | 8.50% | Current Mortgage Rates; List of rates for RESIDENTIAL MORTGAGES; Rates are subject to change, without notice, at the sole discretion of Pathwise Credit Union Limited. Terms and Conditions apply to ALL rates listed below. | Mortgages | 2026-11-15 |
| Mortgage | 2 Year Closed Fixed Mortgage | 5.09% | Current Mortgage Rates; List of rates for RESIDENTIAL MORTGAGES; Rates are subject to change, without notice, at the sole discretion of Pathwise Credit Union Limited. Terms and Conditions apply to ALL rates listed below. | Mortgages | 2026-11-15 |
| Mortgage | 3 Year Closed Fixed Insured Mortgage (High Ratio) | 4.44% | Current Mortgage Rates; List of rates for RESIDENTIAL MORTGAGES; Rates are subject to change, without notice, at the sole discretion of Pathwise Credit Union Limited. Terms and Conditions apply to ALL rates listed below. | Mortgages | 2026-11-15 |
| Mortgage | 3 Year Closed Fixed Mortgage | 4.79% | Current Mortgage Rates; List of rates for RESIDENTIAL MORTGAGES; Rates are subject to change, without notice, at the sole discretion of Pathwise Credit Union Limited. Terms and Conditions apply to ALL rates listed below. | Mortgages | 2026-11-15 |
| Mortgage | 3-year fixed (insured) | 4.44% | fixed rate via a credit union channel, as published by the source. | WOWA: Best Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 4 Year Closed Fixed Mortgage | 4.89% | Current Mortgage Rates; List of rates for RESIDENTIAL MORTGAGES; Rates are subject to change, without notice, at the sole discretion of Pathwise Credit Union Limited. Terms and Conditions apply to ALL rates listed below. | Mortgages | 2026-11-15 |
| Mortgage | 5 Year Closed Fixed Insured Mortgage (High Ratio) | 4.54% | Current Mortgage Rates; List of rates for RESIDENTIAL MORTGAGES; Rates are subject to change, without notice, at the sole discretion of Pathwise Credit Union Limited. Terms and Conditions apply to ALL rates listed below. | Mortgages | 2026-11-15 |
| Mortgage | 5 Year Closed Fixed Mortgage | 4.89% | Current Mortgage Rates; List of rates for RESIDENTIAL MORTGAGES; Rates are subject to change, without notice, at the sole discretion of Pathwise Credit Union Limited. Terms and Conditions apply to ALL rates listed below. | Mortgages | 2026-11-15 |
| Mortgage | 5 Year Closed Variable Mortgage | 4.70% | Current Mortgage Rates; List of rates for RESIDENTIAL MORTGAGES; Rates are subject to change, without notice, at the sole discretion of Pathwise Credit Union Limited. Terms and Conditions apply to ALL rates listed below. | Mortgages | 2026-11-15 |
| Mortgage | 5-year fixed (insured) | 4.54% | fixed rate via a credit union channel, as published by the source. | WOWA: Best 5-Year Fixed Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 6 Month Open Fixed Mortgage | 8.75% | Current Mortgage Rates; List of rates for RESIDENTIAL MORTGAGES; Rates are subject to change, without notice, at the sole discretion of Pathwise Credit Union Limited. Terms and Conditions apply to ALL rates listed below. | Mortgages | 2026-11-15 |
Pine Financial
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 3 year, fixed | 4.59% | fixed & variable rate mortgages in Ontario, via Homewise | Today's Mortgage Rates in Canada - NerdWallet Canada | Rates updated: Nov 14, 2026 |
| Mortgage | 5 year variable | 3.85% | fixed & variable rate mortgages in Ontario, via Homewise | Today's Mortgage Rates in Canada - NerdWallet Canada | Rates updated: Nov 14, 2026 |
| Mortgage | 5 year, fixed | 4.64% | fixed & variable rate mortgages in Ontario, via Homewise | Today's Mortgage Rates in Canada - NerdWallet Canada | Rates updated: Nov 14, 2026 |
Prosperity Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 5-year fixed | 4.26% | The lowest rates are for insured mortgages | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | November 13, 2026 at 5:35 PM ET |
| Mortgage | Consumer Mortgage (Conventional) 1 Year | 4.82% | Borrowing; Consumer Mortgage (Conventional) | Rates | Prosperity Credit Union | Effective 11-04-2026 |
| Mortgage | Consumer Mortgage (Conventional) 2 Year | 4.52% | Borrowing; Consumer Mortgage (Conventional) | Rates | Prosperity Credit Union | Effective 11-04-2026 |
| Mortgage | Consumer Mortgage (Conventional) 3 Year | 4.39% | Borrowing; Consumer Mortgage (Conventional) | Rates | Prosperity Credit Union | Effective 11-04-2026 |
| Mortgage | Consumer Mortgage (Conventional) 4 Year | 4.59% | Borrowing; Consumer Mortgage (Conventional) | Rates | Prosperity Credit Union | Effective 11-04-2026 |
| Mortgage | Consumer Mortgage (Conventional) 5 Year | 4.46% | Borrowing; Consumer Mortgage (Conventional) | Rates | Prosperity Credit Union | Effective 11-04-2026 |
| Mortgage | Consumer Mortgage (Conventional) Variable | 5.20% | Borrowing; Consumer Mortgage (Conventional) | Rates | Prosperity Credit Union | Effective 11-04-2026 |
| Mortgage | Consumer Mortgage (Insured) 1 Year | 4.62% | Borrowing; Consumer Mortgage (Insured) | Rates | Prosperity Credit Union | Effective 11-04-2026 |
| Mortgage | Consumer Mortgage (Insured) 2 Year | 4.32% | Borrowing; Consumer Mortgage (Insured) | Rates | Prosperity Credit Union | Effective 11-04-2026 |
| Mortgage | Consumer Mortgage (Insured) 3 Year | 4.19% | Borrowing; Consumer Mortgage (Insured) | Rates | Prosperity Credit Union | Effective 11-04-2026 |
| Mortgage | Consumer Mortgage (Insured) 4 Year | 4.39% | Borrowing; Consumer Mortgage (Insured) | Rates | Prosperity Credit Union | Effective 11-04-2026 |
| Mortgage | Consumer Mortgage (Insured) 5 Year | 4.26% | Borrowing; Consumer Mortgage (Insured) | Rates | Prosperity Credit Union | Effective 11-04-2026 |
| Mortgage | Consumer Mortgage (Insured) Variable | 5.00% | Borrowing; Consumer Mortgage (Insured) | Rates | Prosperity Credit Union | Effective 11-04-2026 |
| Mortgage | Prime Rate | 4.70% | Prime Rate printed at top of the Rates page; no effective date printed beside it in the fetched page | Rates | Prosperity Credit Union | 2026-11-15 |
Provincial Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 1 Year | 5.69% | Mortgage Rates | Rates | Provincial Credit Union | Rates Effective: 2026-11-05 |
| Mortgage | 1 Year open | 7.95% | Mortgage Rates | Rates | Provincial Credit Union | Rates Effective: 2026-11-05 |
| Mortgage | 2 Years | 5.74% | Mortgage Rates | Rates | Provincial Credit Union | Rates Effective: 2026-11-05 |
| Mortgage | 3 Year Special | 5.24% | Mortgage Rates | Rates | Provincial Credit Union | Rates Effective: 2026-11-05 |
| Mortgage | 3 Years | 6.20% | Mortgage Rates | Rates | Provincial Credit Union | Rates Effective: 2026-11-05 |
| Mortgage | 4 Years | 6.19% | Mortgage Rates | Rates | Provincial Credit Union | Rates Effective: 2026-11-05 |
| Mortgage | 5 Year Special | 5.39% | Mortgage Rates | Rates | Provincial Credit Union | Rates Effective: 2026-11-05 |
| Mortgage | 5 Years | 6.29% | Mortgage Rates | Rates | Provincial Credit Union | Rates Effective: 2026-11-05 |
RATESDOTCA
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 1-year fixed (65% LTV) | 4.19% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 1-year fixed (80% LTV) | 4.19% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 1-year fixed (insured) | 4.64% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 1-year fixed (insured) | 4.64% | Insured: borrowers who have purchased mortgage default insurance, required when you purchase a home with less than a 20% down payment, owner-occupied, amortization 25 years or less. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. Updated 11:04 on Nov 14, 2026 | Halal mortgages in Canada | RATESDOTCA | 2026-11-14 |
| Mortgage | 1-year fixed (uninsured) | 4.99% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 1-year fixed (uninsured) | 4.99% | Uninsured: purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. Updated 11:04 on Nov 14, 2026 | Halal mortgages in Canada | RATESDOTCA | 2026-11-14 |
| Mortgage | 10-year fixed (65% LTV) | 4.34% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 10-year fixed (80% LTV) | 4.34% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 10-year fixed (insured) | 5.04% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 10-year fixed (insured) | 5.04% | Insured: borrowers who have purchased mortgage default insurance, required when you purchase a home with less than a 20% down payment, owner-occupied, amortization 25 years or less. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. Updated 11:04 on Nov 14, 2026 | Halal mortgages in Canada | RATESDOTCA | 2026-11-14 |
| Mortgage | 10-year fixed (uninsured) | 5.24% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 10-year fixed (uninsured) | 5.24% | Uninsured: purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. Updated 11:04 on Nov 14, 2026 | Halal mortgages in Canada | RATESDOTCA | 2026-11-14 |
| Mortgage | 2-year fixed (65% LTV) | 3.89% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 2-year fixed (80% LTV) | 3.89% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 2-year fixed (insured) | 3.99% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 2-year fixed (insured) | 3.99% | Insured: borrowers who have purchased mortgage default insurance, required when you purchase a home with less than a 20% down payment, owner-occupied, amortization 25 years or less. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. Updated 11:04 on Nov 14, 2026 | Halal mortgages in Canada | RATESDOTCA | 2026-11-14 |
| Mortgage | 2-year fixed (uninsured) | 4.44% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 2-year fixed (uninsured) | 4.44% | Uninsured: purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. Updated 11:04 on Nov 14, 2026 | Halal mortgages in Canada | RATESDOTCA | 2026-11-14 |
| Mortgage | 3-year fixed (65% LTV) | 3.79% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 3-year fixed (80% LTV) | 3.79% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 3-year fixed (insured) | 3.69% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 3-year fixed (insured) | 3.69% | Insured: borrowers who have purchased mortgage default insurance, required when you purchase a home with less than a 20% down payment, owner-occupied, amortization 25 years or less. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. Updated 11:04 on Nov 14, 2026 | Halal mortgages in Canada | RATESDOTCA | 2026-11-14 |
| Mortgage | 3-year fixed (uninsured) | 3.90% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 3-year fixed (uninsured) | 3.90% | Uninsured: purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. Updated 11:04 on Nov 14, 2026 | Halal mortgages in Canada | RATESDOTCA | 2026-11-14 |
| Mortgage | 3-year variable (65% LTV) | 3.90% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 3-year variable (80% LTV) | 3.95% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 3-year variable (insured) | 3.90% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 3-year variable (insured) | 3.90% | Insured: borrowers who have purchased mortgage default insurance, required when you purchase a home with less than a 20% down payment, owner-occupied, amortization 25 years or less. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. Updated 11:04 on Nov 14, 2026 | Halal mortgages in Canada | RATESDOTCA | 2026-11-14 |
| Mortgage | 3-year variable (uninsured) | 3.90% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 3-year variable (uninsured) | 3.90% | Uninsured: purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. Updated 11:04 on Nov 14, 2026 | Halal mortgages in Canada | RATESDOTCA | 2026-11-14 |
| Mortgage | 4-year fixed (65% LTV) | 3.99% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 4-year fixed (80% LTV) | 3.99% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 4-year fixed (insured) | 3.84% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 4-year fixed (insured) | 3.84% | Insured: borrowers who have purchased mortgage default insurance, required when you purchase a home with less than a 20% down payment, owner-occupied, amortization 25 years or less. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. Updated 11:04 on Nov 14, 2026 | Halal mortgages in Canada | RATESDOTCA | 2026-11-14 |
| Mortgage | 4-year fixed (uninsured) | 4.39% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 4-year fixed (uninsured) | 4.39% | Uninsured: purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. Updated 11:04 on Nov 14, 2026 | Halal mortgages in Canada | RATESDOTCA | 2026-11-14 |
| Mortgage | 5-year fixed (65% LTV) | 3.55% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 5-year fixed (80% LTV) | 3.55% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 5-year fixed (insured) | 3.69% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 5-year fixed (insured) | 3.69% | Insured: borrowers who have purchased mortgage default insurance, required when you purchase a home with less than a 20% down payment, owner-occupied, amortization 25 years or less. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. Updated 11:04 on Nov 14, 2026 | Halal mortgages in Canada | RATESDOTCA | 2026-11-14 |
| Mortgage | 5-year fixed (uninsured) | 3.69% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 5-year fixed (uninsured) | 3.69% | Uninsured: purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. Updated 11:04 on Nov 14, 2026 | Halal mortgages in Canada | RATESDOTCA | 2026-11-14 |
| Mortgage | 5-year variable (65% LTV) | 3.45% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 5-year variable (80% LTV) | 3.45% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 5-year variable (insured) | 3.45% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 5-year variable (insured) | 3.45% | Insured: borrowers who have purchased mortgage default insurance, required when you purchase a home with less than a 20% down payment, owner-occupied, amortization 25 years or less. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. Updated 11:04 on Nov 14, 2026 | Halal mortgages in Canada | RATESDOTCA | 2026-11-14 |
| Mortgage | 5-year variable (uninsured) | 3.50% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 5-year variable (uninsured) | 3.50% | Uninsured: purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. Updated 11:04 on Nov 14, 2026 | Halal mortgages in Canada | RATESDOTCA | 2026-11-14 |
| Mortgage | 7-year fixed (65% LTV) | 4.24% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 7-year fixed (80% LTV) | 4.24% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 7-year fixed (insured) | 4.19% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 7-year fixed (insured) | 4.19% | Insured: borrowers who have purchased mortgage default insurance, required when you purchase a home with less than a 20% down payment, owner-occupied, amortization 25 years or less. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. Updated 11:04 on Nov 14, 2026 | Halal mortgages in Canada | RATESDOTCA | 2026-11-14 |
| Mortgage | 7-year fixed (uninsured) | 4.89% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 7-year fixed (uninsured) | 4.89% | Uninsured: purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. Updated 11:04 on Nov 14, 2026 | Halal mortgages in Canada | RATESDOTCA | 2026-11-14 |
RBC
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 1-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 | 1-year fixed closed (posted) | 5.740% | Posted Rates - Fixed Rate Mortgages | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| Mortgage | 1-year fixed closed (special) Promotional | 5.140% | Special Offers; Special Rates for Purchase and Switch Transaction - Fixed Rate Mortgages (first table as printed) | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| Mortgage | 1-year fixed closed (special) Promotional | 5.240% | Special Offers; Special Rates for Purchase and Switch Transaction - Fixed Rate Mortgages (second table as printed) | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| Mortgage | 1-year open (posted) | 9.950% | Posted Rates - Fixed Rate Mortgages | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| Mortgage | 10-year fixed closed (posted) | 6.900% | Posted Rates - Fixed Rate Mortgages | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| Mortgage | 2-year fixed closed (posted) | 5.740% | Posted Rates - Fixed Rate Mortgages | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| Mortgage | 2-year fixed closed (special) Promotional | 5.140% | Special Offers; Special Rates for Purchase and Switch Transaction - Fixed Rate Mortgages (first table as printed) | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| Mortgage | 2-year fixed closed (special) Promotional | 5.240% | Special Offers; Special Rates for Purchase and Switch Transaction - Fixed Rate Mortgages (second table as printed) | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| Mortgage | 25-year fixed closed (posted) | 12.000% | Posted Rates - Fixed Rate Mortgages | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| Mortgage | 3-year fixed (broker channel) | 5.09% | fixed rate via a bank channel, as published by the source. | Ratehub.ca: Broker Mortgage Rates | 2026-11-13 |
| Mortgage | 3-year fixed (insured) | 5.09% | fixed rate via a bank channel, as published by the source. | WOWA: Best Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 3-year fixed (special offer) Promotional | 5.09% | fixed rate via a bank channel, as published by the source. | BankMortgages.ca: Big-Bank Mortgage Penalties and Rates, Compared | 2026-11-02 |
| Mortgage | 3-year fixed closed (posted) | 6.250% | Posted Rates - Fixed Rate Mortgages | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| Mortgage | 3-year fixed closed (special) Promotional | 5.090% | Special Offers; Special Rates for Purchase and Switch Transaction - Fixed Rate Mortgages (first table as printed) | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| Mortgage | 3-year fixed closed (special) Promotional | 5.190% | Special Offers; Special Rates for Purchase and Switch Transaction - Fixed Rate Mortgages (second table as printed) | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| Mortgage | 4-year fixed closed (posted) | 6.090% | Posted Rates - Fixed Rate Mortgages | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| Mortgage | 4-year fixed closed (special) Promotional | 5.140% | Special Offers; Special Rates for Purchase and Switch Transaction - Fixed Rate Mortgages (first table as printed) | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| Mortgage | 4-year fixed closed (special) Promotional | 5.240% | Special Offers; Special Rates for Purchase and Switch Transaction - Fixed Rate Mortgages (second table as printed) | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| Mortgage | 5 Year Fixed High Ratio Closed (special) Promotional | 4.840% | Special Offers; High Ratio Mortgages Rates; available to customers with less than 20% down payment on a purchase transaction and meet other conditions | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| Mortgage | 5 Year Variable Closed (posted) | RBC Prime Rate + 0.000% | Posted Rates - Variable Rate Mortgages | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| Mortgage | 5 Year Variable Closed (special) Promotional | 4.400% | Special Offers; Special Rates for Purchase and Switch Transaction - Variable Rate Mortgages; RBC Prime Rate -0.300% (first table as printed) | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| Mortgage | 5 Year Variable Closed (special) Promotional | 4.500% | Special Offers; Special Rates for Purchase and Switch Transaction - Variable Rate Mortgages; RBC Prime Rate -0.200% (second table as printed) | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| Mortgage | 5 Year Variable High Ratio Closed (special) Promotional | 4.100% | Special Offers; High Ratio Mortgages Rates; RBC Prime Rate -0.600% | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| Mortgage | 5 Year Variable Open (posted) | RBC Prime Rate + 3.300% | Posted Rates - Variable Rate Mortgages | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| Mortgage | 5-year fixed (broker channel) | 4.84% | fixed rate via a bank channel, as published by the source. | Ratehub.ca: Broker Mortgage Rates | 2026-11-13 |
| Mortgage | 5-year fixed (insured) | 5.14% | 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) | 6.19% | fixed rate via a bank channel, as published by the source. | NerdWallet Canada: 5-Year Fixed Mortgage Rates in Canada | 2026-11-14 |
| 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 closed (posted) | 6.190% | Posted Rates - Fixed Rate Mortgages | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| Mortgage | 5-year fixed closed (special) Promotional | 5.140% | Special Offers; Special Rates for Purchase and Switch Transaction - Fixed Rate Mortgages (first table as printed) | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| Mortgage | 5-year fixed closed (special) Promotional | 5.240% | Special Offers; Special Rates for Purchase and Switch Transaction - Fixed Rate Mortgages (second table as printed) | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| Mortgage | 5-year variable (broker channel) | 4.1% | variable rate via a bank channel, as published by the source. | Ratehub.ca: Broker Mortgage Rates | 2026-11-13 |
| Mortgage | 6-month convertible fixed (posted) | 5.740% | Posted Rates - Fixed Rate Mortgages | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| Mortgage | 6-month fixed open (posted) | 9.950% | Posted Rates - Fixed Rate Mortgages | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| Mortgage | 7-year fixed closed (posted) | 6.500% | Posted Rates - Fixed Rate Mortgages | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| Mortgage | 7-year fixed closed (special) Promotional | 5.250% | Special Offers; Special Rates for Purchase and Switch Transaction - Fixed Rate Mortgages (first table as printed) | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| Mortgage | 7-year fixed closed (special) Promotional | 5.350% | Special Offers; Special Rates for Purchase and Switch Transaction - Fixed Rate Mortgages (second table as printed) | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| Mortgage | RBC Prime Rate | 4.700% | Today's Royal Bank of Canada Prime Rate | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
RFA
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 1 Year Fixed (Insurable 65.01 to 70%) | 5.84% | Standard Rates; Insured / Insurable; Insurable 65.01 to 70% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 1 Year Fixed (Insurable 70.01 to 75%) | 5.99% | Standard Rates; Insured / Insurable; Insurable 70.01 to 75% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 1 Year Fixed (Insurable 75.01 to 80%) | 5.99% | Standard Rates; Insured / Insurable; Insurable 75.01 to 80% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 1 Year Fixed (Insurable <= 65%) | 5.69% | Standard Rates; Insured / Insurable; Insurable <= 65% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 1 Year Fixed (Insured) | 5.69% | Standard Rates; Insured / Insurable; Insured | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 2 Year Fixed (Insurable 65.01 to 70%) | 5.19% | Standard Rates; Insured / Insurable; Insurable 65.01 to 70% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 2 Year Fixed (Insurable 70.01 to 75%) | 5.34% | Standard Rates; Insured / Insurable; Insurable 70.01 to 75% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 2 Year Fixed (Insurable 75.01 to 80%) | 5.34% | Standard Rates; Insured / Insurable; Insurable 75.01 to 80% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 2 Year Fixed (Insurable <= 65%) | 5.04% | Standard Rates; Insured / Insurable; Insurable <= 65% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 2 Year Fixed (Insured) | 5.04% | Standard Rates; Insured / Insurable; Insured | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 3 Year Fixed (Insurable 65.01 to 70%) | 4.84% | Standard Rates; Insured / Insurable; Insurable 65.01 to 70% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 3 Year Fixed (Insurable 70.01 to 75%) | 4.99% | Standard Rates; Insured / Insurable; Insurable 70.01 to 75% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 3 Year Fixed (Insurable 75.01 to 80%) | 4.99% | Standard Rates; Insured / Insurable; Insurable 75.01 to 80% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 3 Year Fixed (Insurable <= 65%) | 4.69% | Standard Rates; Insured / Insurable; Insurable <= 65% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 3 Year Fixed (Insured) | 4.69% | Standard Rates; Insured / Insurable; Insured | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 4 Year Fixed (Insurable 65.01 to 70%) | 5.04% | Standard Rates; Insured / Insurable; Insurable 65.01 to 70% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 4 Year Fixed (Insurable 70.01 to 75%) | 5.19% | Standard Rates; Insured / Insurable; Insurable 70.01 to 75% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 4 Year Fixed (Insurable 75.01 to 80%) | 5.19% | Standard Rates; Insured / Insurable; Insurable 75.01 to 80% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 4 Year Fixed (Insurable <= 65%) | 4.89% | Standard Rates; Insured / Insurable; Insurable <= 65% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 4 Year Fixed (Insured) | 4.89% | Standard Rates; Insured / Insurable; Insured | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 5 Year ARM (Insurable 65.01 to 70%) | P-0.55% | Standard Rates; Insured / Insurable; Insurable 65.01 to 70% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 5 Year ARM (Insurable 70.01 to 75%) | P-0.45% | Standard Rates; Insured / Insurable; Insurable 70.01 to 75% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 5 Year ARM (Insurable 75.01 to 80%) | P-0.45% | Standard Rates; Insured / Insurable; Insurable 75.01 to 80% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 5 Year ARM (Insurable <= 65%) | P-0.75% | Standard Rates; Insured / Insurable; Insurable <= 65% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 5 Year ARM (Insured) | P-0.75% | Standard Rates; Insured / Insurable; Insured | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 5 Year ARM (Uninsurable, <= 80%) Promotional | P-0.35% | New Business Uninsurable Promotions; <= 80% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 5 Year ARM (Uninsurable, <= 80%) | P-0.35% | Uninsurable; <= 80% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 5 Year ARM Promo (Insurable 65.01 to 70%) Promotional | P-0.55% | New Business Promotions; Insured / Insurable; Insurable 65.01 to 70% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 5 Year ARM Promo (Insurable 70.01 to 75%) Promotional | P-0.45% | New Business Promotions; Insured / Insurable; Insurable 70.01 to 75% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 5 Year ARM Promo (Insurable 75.01 to 80%) Promotional | P-0.45% | New Business Promotions; Insured / Insurable; Insurable 75.01 to 80% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 5 Year ARM Promo (Insurable <= 65%) Promotional | P-0.75% | New Business Promotions; Insured / Insurable; Insurable <= 65% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 5 Year ARM Promo (Insured) Promotional | P-0.75% | New Business Promotions; Insured / Insurable; Insured | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 5 Year Fixed (Insurable 65.01 to 70%) | 4.89% | Standard Rates; Insured / Insurable; Insurable 65.01 to 70% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 5 Year Fixed (Insurable 70.01 to 75%) | 4.89% | Standard Rates; Insured / Insurable; Insurable 70.01 to 75% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 5 Year Fixed (Insurable 75.01 to 80%) | 4.94% | Standard Rates; Insured / Insurable; Insurable 75.01 to 80% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 5 Year Fixed (Insurable <= 65%) | 4.74% | Standard Rates; Insured / Insurable; Insurable <= 65% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 5 Year Fixed (Insured) | 4.74% | Standard Rates; Insured / Insurable; Insured | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 5 Year Fixed (Uninsurable, <= 80%) Promotional | 5.29% | New Business Uninsurable Promotions; <= 80% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 5 Year Fixed (Uninsurable, <= 80%) | 5.29% | Uninsurable; <= 80% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 5 Year Fixed (Uninsurable, Second Homes/Rentals) | 5.69% | Uninsurable; <= 80% Second Homes/Rentals | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 5 Year Fixed QC (45-Day) (Insurable 65.01 to 70%) Promotional | 4.84% | Quick Close Promotions; Insured / Insurable; Insurable 65.01 to 70% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 5 Year Fixed QC (45-Day) (Insurable <= 65%) Promotional | 4.69% | Quick Close Promotions; Insured / Insurable; Insurable <= 65% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 5 Year Fixed QC (45-Day) (Insured) Promotional | 4.69% | Quick Close Promotions; Insured / Insurable; Insured | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 5 Year Fixed Rental (Insurable 65.01 to 70%) | 5.19% | Standard Rates; Insured / Insurable; Insurable 65.01 to 70% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 5 Year Fixed Rental (Insurable 70.01 to 75%) | 5.19% | Standard Rates; Insured / Insurable; Insurable 70.01 to 75% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 5 Year Fixed Rental (Insurable 75.01 to 80%) | 5.24% | Standard Rates; Insured / Insurable; Insurable 75.01 to 80% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 5 Year Fixed Rental (Insurable <= 65%) | 5.04% | Standard Rates; Insured / Insurable; Insurable <= 65% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | 5 Year Fixed Rental (Uninsurable, Second Homes/Rentals) | 5.99% | Uninsurable; <= 80% Second Homes/Rentals | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | Frontline Program (Insurable 65.01 to 70%) | 4.79% | Standard Rates; Frontline Program; Frontline rates include up to $2,000 cashback; Insurable 65.01 to 70% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | Frontline Program (Insurable 70.01 to 75%) | 4.79% | Standard Rates; Frontline Program; Frontline rates include up to $2,000 cashback; Insurable 70.01 to 75% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | Frontline Program (Insurable 75.01 to 80%) | 4.84% | Standard Rates; Frontline Program; Frontline rates include up to $2,000 cashback; Insurable 75.01 to 80% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | Frontline Program (Insurable <= 65%) | 4.64% | Standard Rates; Frontline Program; Frontline rates include up to $2,000 cashback; Insurable <= 65% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| Mortgage | Frontline Program (Insured) | 4.64% | Standard Rates; Frontline Program; Frontline rates include up to $2,000 cashback; Insured | RFA - Prime | No date printed on page; captured 2026-11-14 |
Ratehub.ca
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 3-year fixed | 4.34% | Lowest 3-year fixed mortgage rate available on Ratehub.ca as printed in body text; lender not named | Best mortgage rates Canada | Compare Canada mortgage rates | Ratehub.ca | As of October 9, 2026 |
| Mortgage | 5-year fixed | 4.34% | Lowest 5-year fixed mortgage rate available on Ratehub.ca as printed in body text; lender not named | Best mortgage rates Canada | Compare Canada mortgage rates | Ratehub.ca | As of October 9, 2026 |
| Mortgage | 5-year fixed (insured) | 4.44% | Best high-ratio rate as printed in FAQ; lender not named in FAQ | Best mortgage rates Canada | Compare Canada mortgage rates | Ratehub.ca | Best mortgage rates in Canada as of November 13, 2026 |
| Mortgage | 5-year variable (insured) | 3.65% | Best high-ratio rate as printed in FAQ; lender not named in FAQ | Best mortgage rates Canada | Compare Canada mortgage rates | Ratehub.ca | Best mortgage rates in Canada as of November 13, 2026 |
Scotiabank
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 1-year fixed closed | 5.490% | Closed Term Fixed Rate Mortgages; posted rates section | Mortgages Rates | Scotiabank Canada | Effective November 12, 2026 |
| Mortgage | 1-year fixed open | 9.750% | Short Term Fixed Rate Mortgages; Open Mortgage - 1 year | Mortgages Rates | Scotiabank Canada | Effective November 12, 2026 |
| Mortgage | 10-year fixed closed | 6.800% | Closed Term Fixed Rate Mortgages; posted rates section | Mortgages Rates | Scotiabank Canada | Effective November 12, 2026 |
| Mortgage | 2-year fixed closed | 5.240% | Closed Term Fixed Rate Mortgages; posted rates section | Mortgages Rates | Scotiabank Canada | Effective November 12, 2026 |
| Mortgage | 3-year fixed closed | 6.050% | Closed Term Fixed Rate Mortgages; posted rates section | Mortgages Rates | Scotiabank Canada | Effective November 12, 2026 |
| Mortgage | 3-year variable closed (posted) | 6.200% | Posted Rate; Scotia Ultimate Variable Rate Mortgage - 3 Year Closed Term | Mortgages Rates | Scotiabank Canada | Effective November 12, 2026 |
| Mortgage | 4-year fixed closed | 6.090% | Closed Term Fixed Rate Mortgages; posted rates section | Mortgages Rates | Scotiabank Canada | Effective November 12, 2026 |
| Mortgage | 5-year fixed (posted) | 6.19% | fixed rate via a bank channel, as published by the source. | NerdWallet Canada: 5-Year Fixed Mortgage Rates in Canada | 2026-11-14 |
| Mortgage | 5-year fixed closed | 6.190% | Closed Term Fixed Rate Mortgages; posted rates section | Mortgages Rates | Scotiabank Canada | Effective November 12, 2026 |
| Mortgage | 5-year variable closed (posted) | 5.150% | Posted Rate; Scotia Flex Value Mortgage-Closed 5 Year Term | Mortgages Rates | Scotiabank Canada | Effective November 12, 2026 |
| Mortgage | 5-year variable open (posted) | 7.900% | Posted Rate; Scotia Flex Value Mortgage-Open 5 Year Term | Mortgages Rates | Scotiabank Canada | Effective November 12, 2026 |
| Mortgage | 6-month fixed closed | 6.090% | Short Term Fixed Rate Mortgages; Flexible/Closed Mortgage - 6 month | Mortgages Rates | Scotiabank Canada | Effective November 12, 2026 |
| Mortgage | 6-month fixed open | 9.750% | Short Term Fixed Rate Mortgages; Open Mortgage - 6 month | Mortgages Rates | Scotiabank Canada | Effective November 12, 2026 |
| Mortgage | 7-year fixed closed | 6.400% | Closed Term Fixed Rate Mortgages; posted rates section | Mortgages Rates | Scotiabank Canada | Effective November 12, 2026 |
| Mortgage | Prime rate | 4.70% | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | As of November 14, 2026 |
Servus Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 1 Year fixed closed | 5.49% | Fixed Rate Closed Mortgage | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| Mortgage | 1 Year fixed closed | 4.94% | Fixed Rate Closed Mortgage, Special Rate | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| Mortgage | 1 Year fixed open | 9.85% | Fixed Rate Open Mortgage | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| Mortgage | 2 Year fixed closed | 5.49% | Fixed Rate Closed Mortgage | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| Mortgage | 2 Year fixed closed | 4.59% | Fixed Rate Closed Mortgage, Special Rate | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| Mortgage | 2 Year fixed open | 9.85% | Fixed Rate Open Mortgage | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| Mortgage | 3 Year fixed closed | 5.94% | Fixed Rate Closed Mortgage | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| Mortgage | 3 Year fixed closed | 4.59% | Fixed Rate Closed Mortgage, Special Rate | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| Mortgage | 3 Year fixed open | 10.29% | Fixed Rate Open Mortgage | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| Mortgage | 4 Year fixed closed | 5.99% | Fixed Rate Closed Mortgage | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| Mortgage | 4 Year fixed closed | 4.69% | Fixed Rate Closed Mortgage, Special Rate | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| Mortgage | 4 Year fixed open | 10.49% | Fixed Rate Open Mortgage | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| Mortgage | 5 Year (Conventional) fixed closed | 6.09% | Fixed Rate Closed Mortgage | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| Mortgage | 5 Year (Conventional) fixed closed | 4.79% | Fixed Rate Closed Mortgage, Special Rate | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| Mortgage | 5 Year (Conventional) fixed closed | 6.09% | Servus No Frills Mortgage | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| Mortgage | 5 Year (Conventional) fixed closed | 4.64% | Servus No Frills Mortgage, Special Rate | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| Mortgage | 5 Year (High Ratio) fixed closed | 6.09% | Fixed Rate Closed Mortgage | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| Mortgage | 5 Year (High Ratio) fixed closed | 4.69% | Fixed Rate Closed Mortgage, Special Rate | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| Mortgage | 5 Year (High Ratio) fixed closed | 6.09% | Servus No Frills Mortgage | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| Mortgage | 5 Year (High Ratio) fixed closed | 4.59% | Servus No Frills Mortgage, Special Rate | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| Mortgage | 5 Year fixed open | 11.04% | Fixed Rate Open Mortgage | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| Mortgage | 6 Month (Convertible) fixed closed | 5.49% | Fixed Rate Closed Mortgage | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| Mortgage | 6 Month fixed open | 9.85% | Fixed Rate Open Mortgage | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
Shinhan Bank Canada
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 1-Year fixed (Alternative, High Net Worth) | 4.74% | SHBC Alternative Lending Programs; Fixed; High Net Worth | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| Mortgage | 1-Year fixed (Alternative, KBC Newcomer) | 4.79% | SHBC Alternative Lending Programs; Fixed; KBC Newcomer | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| Mortgage | 1-Year fixed (Alternative, Newcomer) | 4.99% | SHBC Alternative Lending Programs; Fixed; Newcomer | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| Mortgage | 1-Year fixed (Alternative, Non-Traditional Income) | 4.74% | SHBC Alternative Lending Programs; Fixed; Non-Traditional Income | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| Mortgage | 1-Year fixed (Prime Lending, printed column 1) | 4.89% | SHBC Prime Lending Programs; Fixed; rate 1 in printed row; column headings as printed: Domestic Income, BFS-B, Foreign Income, BFS-A | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| Mortgage | 1-Year fixed (Prime Lending, printed column 2) | 4.99% | SHBC Prime Lending Programs; Fixed; rate 2 in printed row; column headings as printed: Domestic Income, BFS-B, Foreign Income, BFS-A | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| Mortgage | 1-Year fixed (Prime Lending, printed column 3) | 5.09% | SHBC Prime Lending Programs; Fixed; rate 3 in printed row; column headings as printed: Domestic Income, BFS-B, Foreign Income, BFS-A | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| Mortgage | 1-Year fixed (Prime Lending, printed column 4) | 5.09% | SHBC Prime Lending Programs; Fixed; rate 4 in printed row; column headings as printed: Domestic Income, BFS-B, Foreign Income, BFS-A | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| Mortgage | 2-Year fixed (Alternative, High Net Worth) | 4.79% | SHBC Alternative Lending Programs; Fixed; High Net Worth | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| Mortgage | 2-Year fixed (Alternative, KBC Newcomer) | 4.84% | SHBC Alternative Lending Programs; Fixed; KBC Newcomer | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| Mortgage | 2-Year fixed (Alternative, Newcomer) | 5.04% | SHBC Alternative Lending Programs; Fixed; Newcomer | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| Mortgage | 2-Year fixed (Alternative, Non-Traditional Income) | 4.79% | SHBC Alternative Lending Programs; Fixed; Non-Traditional Income | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| Mortgage | 2-Year fixed (Prime Lending, printed column 1) | 4.39% | SHBC Prime Lending Programs; Fixed; rate 1 in printed row; column headings as printed: Domestic Income, BFS-B, Foreign Income, BFS-A | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| Mortgage | 2-Year fixed (Prime Lending, printed column 2) | 4.49% | SHBC Prime Lending Programs; Fixed; rate 2 in printed row; column headings as printed: Domestic Income, BFS-B, Foreign Income, BFS-A | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| Mortgage | 2-Year fixed (Prime Lending, printed column 3) | 4.59% | SHBC Prime Lending Programs; Fixed; rate 3 in printed row; column headings as printed: Domestic Income, BFS-B, Foreign Income, BFS-A | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| Mortgage | 2-Year fixed (Prime Lending, printed column 4) | 4.59% | SHBC Prime Lending Programs; Fixed; rate 4 in printed row; column headings as printed: Domestic Income, BFS-B, Foreign Income, BFS-A | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| Mortgage | 3-Year fixed (Alternative, High Net Worth) | 4.94% | SHBC Alternative Lending Programs; Fixed; High Net Worth | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| Mortgage | 3-Year fixed (Alternative, KBC Newcomer) | 4.99% | SHBC Alternative Lending Programs; Fixed; KBC Newcomer | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| Mortgage | 3-Year fixed (Alternative, Newcomer) | 5.19% | SHBC Alternative Lending Programs; Fixed; Newcomer | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| Mortgage | 3-Year fixed (Alternative, Non-Traditional Income) | 4.94% | SHBC Alternative Lending Programs; Fixed; Non-Traditional Income | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| Mortgage | 3-Year fixed (Prime Lending, printed column 1) | 4.34% | SHBC Prime Lending Programs; Fixed; rate 1 in printed row; column headings as printed: Domestic Income, BFS-B, Foreign Income, BFS-A | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| Mortgage | 3-Year fixed (Prime Lending, printed column 2) | 4.44% | SHBC Prime Lending Programs; Fixed; rate 2 in printed row; column headings as printed: Domestic Income, BFS-B, Foreign Income, BFS-A | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| Mortgage | 3-Year fixed (Prime Lending, printed column 3) | 4.54% | SHBC Prime Lending Programs; Fixed; rate 3 in printed row; column headings as printed: Domestic Income, BFS-B, Foreign Income, BFS-A | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| Mortgage | 3-Year fixed (Prime Lending, printed column 4) | 4.54% | SHBC Prime Lending Programs; Fixed; rate 4 in printed row; column headings as printed: Domestic Income, BFS-B, Foreign Income, BFS-A | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| Mortgage | 3-Year variable (Alternative, High Net Worth) | P + 0.09% | SHBC Alternative Lending Programs; Variable; High Net Worth | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| Mortgage | 3-Year variable (Alternative, KBC Newcomer) | P + 0.14% | SHBC Alternative Lending Programs; Variable; KBC Newcomer | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| Mortgage | 3-Year variable (Alternative, Newcomer) | P + 0.34% | SHBC Alternative Lending Programs; Variable; Newcomer | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| Mortgage | 3-Year variable (Alternative, Non-Traditional Income) | P + 0.09% | SHBC Alternative Lending Programs; Variable; Non-Traditional Income | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| Mortgage | 3-Year variable (Prime Lending, printed column 1) | Prime-0.30% | SHBC Prime Lending Programs; Variable; rate 1 in printed row; column headings as printed: Domestic Income, BFS-B, Foreign Income, BFS-A | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| Mortgage | 3-Year variable (Prime Lending, printed column 2) | Prime-0.20% | SHBC Prime Lending Programs; Variable; rate 2 in printed row; column headings as printed: Domestic Income, BFS-B, Foreign Income, BFS-A | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| Mortgage | 3-Year variable (Prime Lending, printed column 3) | Prime-0.10% | SHBC Prime Lending Programs; Variable; rate 3 in printed row; column headings as printed: Domestic Income, BFS-B, Foreign Income, BFS-A | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| Mortgage | 3-Year variable (Prime Lending, printed column 4) | Prime-0.10% | SHBC Prime Lending Programs; Variable; rate 4 in printed row; column headings as printed: Domestic Income, BFS-B, Foreign Income, BFS-A | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| Mortgage | 3-year fixed | 4.79% | fixed rate via a bank channel, as published by the source. | WOWA: Best Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 4-Year fixed (Prime Lending, printed column 1) | 4.44% | SHBC Prime Lending Programs; Fixed; rate 1 in printed row; column headings as printed: Domestic Income, BFS-B, Foreign Income, BFS-A | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| Mortgage | 4-Year fixed (Prime Lending, printed column 2) | 4.54% | SHBC Prime Lending Programs; Fixed; rate 2 in printed row; column headings as printed: Domestic Income, BFS-B, Foreign Income, BFS-A | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| Mortgage | 4-Year fixed (Prime Lending, printed column 3) | 4.64% | SHBC Prime Lending Programs; Fixed; rate 3 in printed row; column headings as printed: Domestic Income, BFS-B, Foreign Income, BFS-A | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| Mortgage | 4-Year fixed (Prime Lending, printed column 4) | 4.64% | SHBC Prime Lending Programs; Fixed; rate 4 in printed row; column headings as printed: Domestic Income, BFS-B, Foreign Income, BFS-A | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| Mortgage | 5-Year fixed (Prime Lending, printed column 1) | 4.49% | SHBC Prime Lending Programs; Fixed; rate 1 in printed row; column headings as printed: Domestic Income, BFS-B, Foreign Income, BFS-A | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| Mortgage | 5-Year fixed (Prime Lending, printed column 2) | 4.59% | SHBC Prime Lending Programs; Fixed; rate 2 in printed row; column headings as printed: Domestic Income, BFS-B, Foreign Income, BFS-A | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| Mortgage | 5-Year fixed (Prime Lending, printed column 3) | 4.69% | SHBC Prime Lending Programs; Fixed; rate 3 in printed row; column headings as printed: Domestic Income, BFS-B, Foreign Income, BFS-A | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| Mortgage | 5-Year fixed (Prime Lending, printed column 4) | 4.69% | SHBC Prime Lending Programs; Fixed; rate 4 in printed row; column headings as printed: Domestic Income, BFS-B, Foreign Income, BFS-A | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| Mortgage | 5-Year variable (Prime Lending, printed column 1) | Prime-0.50% | SHBC Prime Lending Programs; Variable; rate 1 in printed row; column headings as printed: Domestic Income, BFS-B, Foreign Income, BFS-A | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| Mortgage | 5-Year variable (Prime Lending, printed column 2) | Prime-0.40% | SHBC Prime Lending Programs; Variable; rate 2 in printed row; column headings as printed: Domestic Income, BFS-B, Foreign Income, BFS-A | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| Mortgage | 5-Year variable (Prime Lending, printed column 3) | Prime-0.30% | SHBC Prime Lending Programs; Variable; rate 3 in printed row; column headings as printed: Domestic Income, BFS-B, Foreign Income, BFS-A | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| Mortgage | 5-Year variable (Prime Lending, printed column 4) | Prime-0.30% | SHBC Prime Lending Programs; Variable; rate 4 in printed row; column headings as printed: Domestic Income, BFS-B, Foreign Income, BFS-A | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| HELOC | HELOC | Prime + 1.50% + applicable risk premiums / discounts | SHBC Prime Lending Programs | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
Simplii Financial
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 3-year fixed (insurable) | 5.09% | 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) | 5.09% | 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) | 5.09% | fixed rate via a bank channel, as published by the source. | WOWA: Best Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 5-year fixed (insured) | 5.34% | 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) | 5.34% | fixed rate via a bank channel, as published by the source. | WOWA: Best 5-Year Fixed Mortgage Rates in Canada | 2026-11-13 |
Steinbach Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | Conventional Closed Variable Mortgage | 3.80% | Conventional mortgage rates apply to 25-year amortization period or less with down payments of 20% or greater | Mortgages made for real life | Rates are current as of November 15, 2026 |
| Mortgage | Conventional Fixed 1-year Mortgage | 4.19% | Conventional mortgage rates apply to 25-year amortization period or less with down payments of 20% or greater | Mortgages made for real life | Rates are current as of November 15, 2026 |
| Mortgage | Conventional Fixed 2-year Mortgage | 4.19% | Conventional mortgage rates apply to 25-year amortization period or less with down payments of 20% or greater | Mortgages made for real life | Rates are current as of November 15, 2026 |
| Mortgage | Conventional Fixed 3-year Mortgage | 4.19% | Conventional mortgage rates apply to 25-year amortization period or less with down payments of 20% or greater | Mortgages made for real life | Rates are current as of November 15, 2026 |
| Mortgage | Conventional Fixed 4-year Mortgage | 4.29% | Conventional mortgage rates apply to 25-year amortization period or less with down payments of 20% or greater | Mortgages made for real life | Rates are current as of November 15, 2026 |
| Mortgage | Conventional Fixed 5-year Mortgage | 4.39% | Conventional mortgage rates apply to 25-year amortization period or less with down payments of 20% or greater | Mortgages made for real life | Rates are current as of November 15, 2026 |
| Mortgage | Conventional Open Variable Mortgage | 4.70% | Conventional mortgage rates apply to 25-year amortization period or less with down payments of 20% or greater | Mortgages made for real life | Rates are current as of November 15, 2026 |
| Mortgage | High-Ratio Closed Variable Mortgage | 3.80% | High Ratio mortgage rates apply to 25-year amortization period or less with a down payment of less than 20% | Mortgages made for real life | Rates are current as of November 15, 2026 |
| Mortgage | High-Ratio Fixed 1-year Mortgage | 4.09% | High Ratio mortgage rates apply to 25-year amortization period or less with a down payment of less than 20% | Mortgages made for real life | Rates are current as of November 15, 2026 |
| Mortgage | High-Ratio Fixed 2-year Mortgage | 4.09% | High Ratio mortgage rates apply to 25-year amortization period or less with a down payment of less than 20% | Mortgages made for real life | Rates are current as of November 15, 2026 |
| Mortgage | High-Ratio Fixed 3-year Mortgage | 4.09% | High Ratio mortgage rates apply to 25-year amortization period or less with a down payment of less than 20% | Mortgages made for real life | Rates are current as of November 15, 2026 |
| Mortgage | High-Ratio Fixed 4-year Mortgage | 4.19% | High Ratio mortgage rates apply to 25-year amortization period or less with a down payment of less than 20% | Mortgages made for real life | Rates are current as of November 15, 2026 |
| Mortgage | High-Ratio Fixed 5-year Mortgage | 4.29% | High Ratio mortgage rates apply to 25-year amortization period or less with a down payment of less than 20% | Mortgages made for real life | Rates are current as of November 15, 2026 |
TD
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 1-year fixed (posted) | 5.69% | 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 (broker channel) | 5.19% | fixed rate via a bank channel, as published by the source. | Ratehub.ca: Broker Mortgage Rates | 2026-11-13 |
| Mortgage | 3-year fixed (insurable) | 5.24% | 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) | 5.24% | 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) | 5.24% | 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) | 6.15% | 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 | 5.24% | 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) | 5.24% | Uninsurable (e.g. home ≥ $1M & down payment ≥ 20%, or refinances); **For new mortgages with ≤25-year amortization | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | November 13, 2026 at 5:35 PM ET |
| Mortgage | 5-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 | 5-year fixed (insured) | 5.39% | 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) | 5.29% | 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) | 5.29% | Best 5-Year Fixed Mortgage Rates Canada from 4.25% | WOWA.ca | As of November 13, 2026 | |
| Mortgage | 5-year fixed (insured) | 5.29% | 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) | 6.14% | 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) | 6.14% | 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 (special offer) Promotional | 5.29% | 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) | 5.29% | Best 5-Year Fixed Mortgage Rates Canada from 4.25% | WOWA.ca | As of November 13, 2026 | |
| Mortgage | 5-year fixed (uninsured) | 5.39% | 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 (Bank Rate) | 4.24% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 5-year variable (Bank Rate, posted) | 4.24% | Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. Updated 11:04 on Nov 14, 2026 | Halal mortgages in Canada | RATESDOTCA | 2026-11-14 |
| Mortgage | 5-year variable (broker channel) | 4.19% | variable rate via a bank channel, as published by the source. | Ratehub.ca: Broker Mortgage Rates | 2026-11-13 |
| Mortgage | Prime rate | 4.85% | *TD sets variable mortgage rates using its TD Mortgage Prime Rate, which is 0.15% higher than its prime rate. | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | As of November 14, 2026 |
TD Canada Trust
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 1-year fixed (closed) | 5.69% | Posted | TD Canada Trust Mortgages: Rates, Prepayment, Penalties, HELOC | As shown on TD’s rates page, read Nov 2, 2026 (page shows no date) |
| Mortgage | 3-year fixed (closed) | 6.15% | Posted | TD Canada Trust Mortgages: Rates, Prepayment, Penalties, HELOC | As shown on TD’s rates page, read Nov 2, 2026 (page shows no date) |
| Mortgage | 3-year fixed (closed) | 5.24% | Special / advertised | TD Canada Trust Mortgages: Rates, Prepayment, Penalties, HELOC | As shown on TD’s rates page, read Nov 2, 2026 (page shows no date) |
| Mortgage | 5-year fixed (closed) | 6.14% | Posted | TD Canada Trust Mortgages: Rates, Prepayment, Penalties, HELOC | As shown on TD’s rates page, read Nov 2, 2026 (page shows no date) |
| Mortgage | 5-year fixed (closed) | 5.39% | Special / advertised | TD Canada Trust Mortgages: Rates, Prepayment, Penalties, HELOC | As shown on TD’s rates page, read Nov 2, 2026 (page shows no date) |
| Mortgage | 5-year variable, Prime - 0.31% | 4.54% | Special / advertised; TD Mortgage Prime Rate was shown as 4.85% | TD Canada Trust Mortgages: Rates, Prepayment, Penalties, HELOC | As shown on TD’s rates page, read Nov 2, 2026 (page shows no date) |
Tandia
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 3-Year Closed Fixed High Ratio Mortgage | 4.59% | Featured Mortgage Rates; (APR 4.65%) | Mortgage Rates | Tandia Financial | |
| Mortgage | 5 Year Fixed Fully Closed Mortgage | 4.64% | FIXED FULLY CLOSED RESIDENTIAL MORTGAGE | Mortgage Rates | Tandia Financial | |
| Mortgage | 5-Year Signature Closed Fixed Mortgage | 5.04% | Featured Mortgage Rates; (APR 5.08%) | Mortgage Rates | Tandia Financial | |
| Mortgage | Signature 1 Yr. Closed Mortgage | 5.69% | SIGNATURE FIXED STANDARD CLOSED RESIDENTIAL MORTGAGES; APR 5.87% | Mortgage Rates | Tandia Financial | |
| Mortgage | Signature 1 Yr. Open Mortgage | 8.50% | SIGNATURE FIXED OPEN RESIDENTIAL MORTGAGES; APR 8.68% | Mortgage Rates | Tandia Financial | |
| Mortgage | Signature 2 Yr. Closed Mortgage | 5.39% | SIGNATURE FIXED STANDARD CLOSED RESIDENTIAL MORTGAGES; APR 5.48% | Mortgage Rates | Tandia Financial | |
| Mortgage | Signature 3 Yr. Closed Mortgage | 4.94% | SIGNATURE FIXED STANDARD CLOSED RESIDENTIAL MORTGAGES; APR 5.00% | Mortgage Rates | Tandia Financial | |
| Mortgage | Signature 4 Yr. Closed Mortgage | 5.04% | SIGNATURE FIXED STANDARD CLOSED RESIDENTIAL MORTGAGES; APR 5.08% | Mortgage Rates | Tandia Financial | |
| Mortgage | Signature 5 Yr. Closed Mortgage | 5.04% | SIGNATURE FIXED STANDARD CLOSED RESIDENTIAL MORTGAGES; APR 5.08% | Mortgage Rates | Tandia Financial | |
| Mortgage | Signature 6 Mo. Closed Mortgage | 6.99% | SIGNATURE FIXED STANDARD CLOSED RESIDENTIAL MORTGAGES; APR 7.34% | Mortgage Rates | Tandia Financial | |
| Mortgage | Signature 6 Mo. Open Mortgage | 8.25% | SIGNATURE FIXED OPEN RESIDENTIAL MORTGAGES; APR 8.60% | Mortgage Rates | Tandia Financial | |
| Mortgage | Signature Variable Rate 1 Yr. Open | 6.25% | SIGNATURE VARIABLE MORTGAGES; APR 6.43% | Mortgage Rates | Tandia Financial | |
| Mortgage | Signature Variable Rate 5 Yr. Closed | 4.15% | SIGNATURE VARIABLE MORTGAGES; APR 4.19% | Mortgage Rates | Tandia Financial |
Tangerine
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| 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 | 5-year fixed (insured) | 5.19% | 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) | 5.19% | fixed rate via a bank channel, as published by the source. | WOWA: Best 5-Year Fixed Mortgage Rates in Canada | 2026-11-13 |
| HELOC | HELOC | 5.70% | Prime + 1.00% | Best Canada HELOC Rates - 4.45% | WOWA.ca | As of November 14th, 2026 |
| HELOC | HELOC (variable) | 5.70% (Prime + 1.00%) | Rates may be public lender rates, lender-submitted rates, or broker-sourced rates. Broker-sourced rates may not be available directly from the lender. HELOC rates are variable interest rates that are based on your lender's prime rate. Minimum monthly payment is estimated as an interest-only payment based on the drawn HELOC amount. | Best Canada HELOC Rates - 4.45% | WOWA.ca | 2026-11-14 |
Ukrainian Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 1-Year (closed) | 6.09% | Mortgage Rates | Interest Rates | UCU | |
| Mortgage | 1-Year (closed) | 4.94% | Mortgage Specials | Interest Rates | UCU | |
| Mortgage | 2-Year (closed) | 5.74% | Mortgage Rates | Interest Rates | UCU | |
| Mortgage | 2-Year (closed) | 4.85% | Mortgage Specials | Interest Rates | UCU | |
| Mortgage | 3-Year (closed) | 6.54% | Mortgage Rates | Interest Rates | UCU | |
| Mortgage | 3-Year (closed) | 4.75% | Mortgage Specials | Interest Rates | UCU | |
| Mortgage | 4-Year (closed) | 6.19% | Mortgage Rates | Interest Rates | UCU | |
| Mortgage | 4-Year (closed) | 4.85% | Mortgage Specials | Interest Rates | UCU | |
| Mortgage | 5-Year (closed) | 6.49% | Mortgage Rates | Interest Rates | UCU | |
| Mortgage | 5-Year (closed) | 4.95% | Mortgage Specials | Interest Rates | UCU | |
| Mortgage | 5-Year (closed) Insured | 4.29% | Mortgage Specials | Interest Rates | UCU | |
| Mortgage | 6-Month (convertible) | 5.49% | Mortgage Rates | Interest Rates | UCU | |
| Mortgage | Best of Both Worlds (capped rate) | 5.64% | Mortgage Rates | Interest Rates | UCU |
Unnamed source table
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 1-year fixed | 4.09% | Today's Lowest Fixed Rates by Term (rate curve) | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | November 13, 2026 at 5:35 PM ET |
| Mortgage | 1-year fixed (conventional) | 4.89% | Lowest conventional mortgage rate (What are the lowest conventional mortgage rates in Canada, currently?) | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | November 13, 2026 at 5:35 PM ET |
| Mortgage | 1-year fixed (insured) | 4.79% | Lowest insured mortgage rate (What are today's lowest mortgage rates in Canada?) | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | November 13, 2026 at 5:35 PM ET |
| Mortgage | 10-year fixed | 5.34% | Today's Lowest Fixed Rates by Term (rate curve) | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | November 13, 2026 at 5:35 PM ET |
| Mortgage | 2-year fixed | 4.09% | Today's Lowest Fixed Rates by Term (rate curve) | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | November 13, 2026 at 5:35 PM ET |
| Mortgage | 2-year fixed (conventional) | 4.64% | Lowest conventional mortgage rate (What are the lowest conventional mortgage rates in Canada, currently?) | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | November 13, 2026 at 5:35 PM ET |
| Mortgage | 2-year fixed (insured) | 4.44% | Lowest insured mortgage rate (What are today's lowest mortgage rates in Canada?) | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | November 13, 2026 at 5:35 PM ET |
| Mortgage | 3-year fixed | 4.09% | Lowest available rate (Lowest Mortgage Rates in Canada cards) | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | November 13, 2026 at 5:35 PM ET |
| Mortgage | 3-year fixed | 4.09% | Today's Lowest Fixed Rates by Term (rate curve) | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | November 13, 2026 at 5:35 PM ET |
| Mortgage | 3-year fixed (conventional) | 4.39% | Lowest conventional mortgage rate (What are the lowest conventional mortgage rates in Canada, currently?) | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | November 13, 2026 at 5:35 PM ET |
| Mortgage | 3-year fixed (insured) | 4.39% | Lowest insured mortgage rate (What are today's lowest mortgage rates in Canada?) | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | November 13, 2026 at 5:35 PM ET |
| Mortgage | 3-year variable | 3.75% | Lowest available rate (Lowest Mortgage Rates in Canada cards) | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | November 13, 2026 at 5:35 PM ET |
| Mortgage | 4-year fixed | 4.19% | Today's Lowest Fixed Rates by Term (rate curve) | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | November 13, 2026 at 5:35 PM ET |
| Mortgage | 4-year fixed (conventional) | 4.69% | Lowest conventional mortgage rate (What are the lowest conventional mortgage rates in Canada, currently?) | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | November 13, 2026 at 5:35 PM ET |
| Mortgage | 4-year fixed (insured) | 4.39% | Lowest insured mortgage rate (What are today's lowest mortgage rates in Canada?) | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | November 13, 2026 at 5:35 PM ET |
| Mortgage | 5-year fixed | 4.26% | Lowest available rate (Lowest Mortgage Rates in Canada cards) | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | November 13, 2026 at 5:35 PM ET |
| Mortgage | 5-year fixed | 4.26% | Today's Lowest Fixed Rates by Term (rate curve) | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | November 13, 2026 at 5:35 PM ET |
| Mortgage | 5-year fixed | 4.25% | lowest 5-year fixed mortgage rate on WOWA.ca | Best 5-Year Fixed Mortgage Rates Canada from 4.25% | WOWA.ca | As of November 13, 2026 |
| Mortgage | 5-year fixed | 4.39% | 5-Year Variable vs. 5-Year Fixed Mortgage Rates comparison (Today's Best Rate) | 5-Year Variable Mortgage Rates | November 13, 2026 at 5:35 PM ET |
| Mortgage | 5-year fixed (conventional) | 4.44% | Lowest conventional mortgage rate (What are the lowest conventional mortgage rates in Canada, currently?) | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | November 13, 2026 at 5:35 PM ET |
| Mortgage | 5-year fixed (insurable) | 4.44% | Lowest 5-year fixed (page summary) | Best 5-Year Fixed Mortgage Rates Canada from 4.25% | WOWA.ca | November 13, 2026 at 5:35 PM ET |
| Mortgage | 5-year fixed (insurable) | 4.44% | Lowest 5-year fixed rates in Ontario | Best 5-Year Fixed Mortgage Rates Canada from 4.25% | WOWA.ca | November 13, 2026 at 5:35 PM ET |
| Mortgage | 5-year fixed (insurable) | 4.34% | 20% or more down, and the mortgage meets insurer criteria | 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) | 4.44% | Lowest insured mortgage rate (What are today's lowest mortgage rates in Canada?) | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | November 13, 2026 at 5:35 PM ET |
| Mortgage | 5-year fixed (insured) | 4.44% | Lowest 5-year fixed (page summary) | 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) | 4.44% | Lowest 5-year fixed rates in Ontario | 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) | 4.26% | Less than 20% down, purchase price under $1.5 million | 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) | 4.26% | 5-Year Fixed vs. 5-Year Variable Rate Mortgage comparison (lowest rates today) | Best 5-Year Fixed Mortgage Rates Canada from 4.25% | WOWA.ca | November 13, 2026 at 5:35 PM ET |
| Mortgage | 5-year fixed (posted) | 6.19% | typical posted 5-year conventional mortgage rate at Canada's six largest banks (RBC, TD, BMO, Scotiabank, CIBC and National Bank), as published by the Bank of Canada | Best 5-Year Fixed Mortgage Rates Canada from 4.25% | WOWA.ca | As of November 13, 2026 |
| Mortgage | 5-year fixed (uninsurable) | 4.79% | Lowest 5-year fixed (page summary) | Best 5-Year Fixed Mortgage Rates Canada from 4.25% | WOWA.ca | November 13, 2026 at 5:35 PM ET |
| Mortgage | 5-year fixed (uninsurable) | 4.79% | Lowest 5-year fixed rates in Ontario | Best 5-Year Fixed Mortgage Rates Canada from 4.25% | WOWA.ca | November 13, 2026 at 5:35 PM ET |
| Mortgage | 5-year fixed (uninsurable) | 4.25% | Refinances, and mortgages that don't meet insurer criteria | Best 5-Year Fixed Mortgage Rates Canada from 4.25% | WOWA.ca | November 13, 2026 at 5:35 PM ET |
| Mortgage | 5-year fixed (uninsurable) | 4.25% | 5-Year Fixed vs. 5-Year Variable Rate Mortgage comparison (lowest rates today) | Best 5-Year Fixed Mortgage Rates Canada from 4.25% | WOWA.ca | November 13, 2026 at 5:35 PM ET |
| Mortgage | 5-year variable | 3.60% | Lowest available rate (Lowest Mortgage Rates in Canada cards) | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | November 13, 2026 at 5:35 PM ET |
| Mortgage | 5-year variable | 3.60% | 5-Year Variable vs. 5-Year Fixed Mortgage Rates comparison (Today's Best Rate) | 5-Year Variable Mortgage Rates | November 13, 2026 at 5:35 PM ET |
| Mortgage | 5-year variable (conventional) | 3.65% | Lowest conventional mortgage rate (What are the lowest conventional mortgage rates in Canada, currently?) | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | November 13, 2026 at 5:35 PM ET |
| Mortgage | 5-year variable (insured) | 3.60% | Lowest insured mortgage rate (What are today's lowest mortgage rates in Canada?) | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | November 13, 2026 at 5:35 PM ET |
| Mortgage | 5-year variable (insured) | 3.60% | 5-Year Fixed vs. 5-Year Variable Rate Mortgage comparison (lowest rates today) | Best 5-Year Fixed Mortgage Rates Canada from 4.25% | WOWA.ca | November 13, 2026 at 5:35 PM ET |
| Mortgage | 5-year variable (uninsurable) | 3.50% | 5-Year Fixed vs. 5-Year Variable Rate Mortgage comparison (lowest rates today) | Best 5-Year Fixed Mortgage Rates Canada from 4.25% | WOWA.ca | November 13, 2026 at 5:35 PM ET |
| Mortgage | 7-year fixed | 5.04% | Today's Lowest Fixed Rates by Term (rate curve) | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | November 13, 2026 at 5:35 PM ET |
Vancity
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 1-year fixed-term residential | 4.55% | Fixed-term, fixed-rate mortgages; APR 4.65% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Mortgage | 1-year fixed-term, fixed-rate, insured residential | 4.35% | High-ratio insured mortgages; APR 4.45% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Mortgage | 1-year open-term residential | 9.75% | Open-term, fixed-rate mortgages; APR 9.85% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Mortgage | 10-year fixed-term residential | 5.29% | Fixed-term, fixed-rate mortgages; APR 5.30% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Mortgage | 2-year fixed-term residential | 4.65% | Fixed-term, fixed-rate mortgages; APR 4.70% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Mortgage | 2-year fixed-term, fixed-rate, insured residential | 4.55% | High-ratio insured mortgages; APR 4.60% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Mortgage | 2-year open-term residential | 5.65% | Open-term, fixed-rate mortgages; APR 5.70% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Mortgage | 3-year fixed-term residential | 4.80% | Fixed-term, fixed-rate mortgages; APR 4.83% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Mortgage | 3-year fixed-term, fixed-rate (special offer) Promotional | 4.75% | Fixed-term, fixed-rate mortgages; APR 4.78% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Mortgage | 3-year fixed-term, fixed-rate, insured residential | 4.70% | High-ratio insured mortgages; APR 4.73% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Mortgage | 3-year open-term residential | 5.38% | Open-term, fixed-rate mortgages; APR 5.41% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Mortgage | 4-year fixed-term residential | 4.84% | Fixed-term, fixed-rate mortgages; APR 4.87% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Mortgage | 4-year fixed-term, fixed-rate (special offer) Promotional | 4.79% | Fixed-term, fixed-rate mortgages; APR 4.82% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Mortgage | 4-year fixed-term, fixed-rate, insured residential | 4.74% | High-ratio insured mortgages; APR 4.76% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Mortgage | 5-year fixed-term residential | 4.89% | Fixed-term, fixed-rate mortgages; APR 4.91% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Mortgage | 5-year fixed-term, fixed-rate (special offer) Promotional | 4.84% | Fixed-term, fixed-rate mortgages; APR 4.86% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Mortgage | 5-year fixed-term, fixed-rate, insured residential | 4.79% | High-ratio insured mortgages; APR 4.81% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Mortgage | 5-year open-term residential | 5.89% | Open-term, fixed-rate mortgages; APR 5.91% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Mortgage | 5-year variable rate, fixed-term (Vancity homeprime rate - 0.50%) | 4.20% | Variable rate mortgages; APR 4.22% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Mortgage | 5-year variable rate, open-term (Vancity homeprime rate + 3.30%) | 8.00% | Variable rate mortgages; APR 8.02% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Mortgage | 6-month fixed-term residential | 5.49% | Fixed-term, fixed-rate mortgages; APR 5.69% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Mortgage | 6-month open-term residential | 9.75% | Open-term, fixed-rate mortgages; APR 9.95% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Mortgage | 7-year fixed-term residential | 4.97% | Fixed-term, fixed-rate mortgages; APR 4.98% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Mortgage | Vancity Prime Rate | 4.70% | Vancity prime rates; The Vancity Prime Rate represents a variable rate of interest announced by Vancity from time to time as its Prime Lending Rate. Rate subject to change without notice. | Interest rates - Vancity | as of 2026-10-29 |
| Mortgage | Vancity Variable Rate | 4.70% | Vancity prime rates; Rates are subject to change without notice. | Interest rates - Vancity | as of 2026-10-29 |
WFCU Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 1 Year Fixed-Rate Mortgage | 6.49% | Fixed-Rate Mortgage; APR 6.48% | Rates - WFCU | |
| Mortgage | 2 Year Fixed-Rate Mortgage | 5.49% | Fixed-Rate Mortgage; APR 5.47% | Rates - WFCU | |
| Mortgage | 3 Year Fixed-Rate Mortgage | 5.34% | Fixed-Rate Mortgage; APR 5.31% | Rates - WFCU | |
| Mortgage | 3-Year - 3% Cashback Cashback Mortgage | 6.44% | Cashback Mortgage; APR 6.38% | Rates - WFCU | |
| Mortgage | 3-Year Fixed Rate High Ratio Mortgage Special | 4.29% | (4.28%APR*) | Rates - WFCU | |
| Mortgage | 3-Year Fixed Rate Mortgage Special | 4.89% | (4.87%APR*) | Rates - WFCU | |
| Mortgage | 4 Year Fixed-Rate Mortgage | 5.99% | Fixed-Rate Mortgage; APR 5.94% | Rates - WFCU | |
| Mortgage | 4-Year - 4% Cashback Cashback Mortgage | 7.09% | Cashback Mortgage; APR 7.01% | Rates - WFCU | |
| Mortgage | 5 Year Fixed-Rate Mortgage | 5.89% | Fixed-Rate Mortgage; APR 5.54% | Rates - WFCU | |
| Mortgage | 5-Year - 5% Cashback Cashback Mortgage | 6.99% | Cashback Mortgage; APR 6.62% | Rates - WFCU | |
| Mortgage | 5-Year Fixed Rate High Ratio Mortgage Special | 4.59% | (4.56%APR*) | Rates - WFCU | |
| Mortgage | 5-Year Fixed Rate Mortgage Special | 4.89% | (4.86%APR*) | Rates - WFCU | |
| Mortgage | 6-Month Fixed-Rate Mortgage | 7.29% | Fixed-Rate Mortgage; APR 7.36% | Rates - WFCU | |
| Mortgage | 7 Year Fixed-Rate Mortgage | 7.19% | Fixed-Rate Mortgage; APR 7.10% | Rates - WFCU | |
| Mortgage | 7-Year - 7% Cashback Cashback Mortgage | 8.29% | Cashback Mortgage; APR 8.16% | Rates - WFCU | |
| HELOC | Home Equity Line of Credit - First and Second Mortgages | 5.70% (Prime +1.00%) | Home Equity Line of Credit | Rates - WFCU | |
| HELOC | Home Equity Line of Credit - Open | 5.70% (Prime +1.00%) | Home Equity Line of Credit | Rates - WFCU | |
| Mortgage | Variable-Rate High-Ratio Mortgage Special (Closed -0.90%) | 3.80% | (3.79%APR*) | Rates - WFCU | |
| Mortgage | Variable-Rate Mortgage - Closed | 4.70% (Prime) | Variable-Rate Mortgage; APR 4.67% | Rates - WFCU | |
| Mortgage | Variable-Rate Mortgage - Open | 5.70% (Prime +1.00%) | Variable-Rate Mortgage; APR 5.71% | Rates - WFCU | |
| Mortgage | Variable-Rate Mortgage Special (Closed, Prime -0.40%) | 4.30% | (4.28%APR*); Prime -0.40% | Rates - WFCU |
WealthONE Bank of Canada
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 1 Year Open | 6.99% | Specialty Rate Programs; Open Mortgage; Lender Fee 2% | Rate Sheet | Effective October 29, 2026 |
| Mortgage | 1-Year fixed | 5.19% | BASE RATES; Fixed; For broker use only | Rate Sheet | Effective October 29, 2026 |
| Mortgage | 1-Year variable | Prime + 0.15% | BASE RATES; Variable; For broker use only | Rate Sheet | Effective October 29, 2026 |
| Mortgage | 2-Year fixed | 5.44% | BASE RATES; Fixed; For broker use only | Rate Sheet | Effective October 29, 2026 |
| Mortgage | 3-Year fixed | 5.69% | BASE RATES; Fixed; For broker use only | Rate Sheet | Effective October 29, 2026 |
| Mortgage | 3-Year variable | Prime + 0.30% | BASE RATES; Variable; For broker use only | Rate Sheet | Effective October 29, 2026 |
| Mortgage | 4-Year fixed | 5.69% | BASE RATES; Fixed; For broker use only | Rate Sheet | Effective October 29, 2026 |
| Mortgage | 5-Year fixed | 5.74% | BASE RATES; Fixed; For broker use only | Rate Sheet | Effective October 29, 2026 |
| Mortgage | 5-Year variable | Prime + 0.35% | BASE RATES; Variable; For broker use only | Rate Sheet | Effective October 29, 2026 |
Your Neighbourhood Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 1-year fixed | 5.99% | Conventional mortgage | Mortgage Rates | YNCU | |
| Mortgage | 1-year fixed | 5.99% | High-ratio mortgage | Mortgage Rates | YNCU | |
| Mortgage | 2-year fixed | 5.99% | Conventional mortgage | Mortgage Rates | YNCU | |
| Mortgage | 2-year fixed | 5.99% | High-ratio mortgage | Mortgage Rates | YNCU | |
| Mortgage | 3-year High-ratio fixed mortgage | 4.49% | High-ratio fixed mortgage | Mortgage Rates | YNCU | |
| Mortgage | 3-year fixed | 4.69% | Conventional mortgage | Mortgage Rates | YNCU | |
| Mortgage | 3-year fixed | 4.49% | High-ratio mortgage | Mortgage Rates | YNCU | |
| Mortgage | 4-year fixed | 4.79% | Conventional mortgage | Mortgage Rates | YNCU | |
| Mortgage | 4-year fixed | 4.59% | High-ratio mortgage | Mortgage Rates | YNCU | |
| Mortgage | 5-year Closed variable mortgage special | 4.05% | Closed variable mortgage special; YNCU prime rate 4.70% | Mortgage Rates | YNCU | |
| Mortgage | 5-year closed variable | 4.05% | High-ratio mortgage | Mortgage Rates | YNCU | |
| Mortgage | 5-year fixed | 4.99% | Conventional mortgage | Mortgage Rates | YNCU | |
| Mortgage | 5-year fixed | 4.79% | High-ratio mortgage | Mortgage Rates | YNCU | |
| Mortgage | 7-year fixed | 5.99% | Conventional mortgage | Mortgage Rates | YNCU |
nesto
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 10-year fixed (insured) | 8.09 % | lowest insured rates nesto offers | Today’s Mortgage Rates in Canada | Compare All Terms | nesto.ca | as of Saturday, November 14, 2026 |
| Mortgage | 10-year fixed (insured) | 8.09 % | high-ratio insured mortgage rates available across Ontario | Mortgage Rates Ontario | Best Rates from 3.66% - nesto.ca | As of Friday, November 13, 2026 |
| Mortgage | 2-year fixed (insured) | 5.09 % | lowest insured rates nesto offers | Today’s Mortgage Rates in Canada | Compare All Terms | nesto.ca | as of Saturday, November 14, 2026 |
| Mortgage | 2-year fixed (insured) | 5.09 % | high-ratio insured mortgage rates available across Ontario | Mortgage Rates Ontario | Best Rates from 3.66% - nesto.ca | As of Friday, November 13, 2026 |
| Mortgage | 3-year fixed (insured) | 4.54 % | lowest insured rates nesto offers | Today’s Mortgage Rates in Canada | Compare All Terms | nesto.ca | as of Saturday, November 14, 2026 |
| Mortgage | 3-year fixed (insured) | 4.54 % | high-ratio insured mortgage rates available across Ontario | Mortgage Rates Ontario | Best Rates from 3.66% - nesto.ca | As of Friday, November 13, 2026 |
| Mortgage | 3-year fixed (insured) | 4.54% | fixed rate via a broker channel, as published by the source. | WOWA: Best Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 3-year variable (insured) | 3.85 % | lowest insured rates nesto offers | Today’s Mortgage Rates in Canada | Compare All Terms | nesto.ca | as of Saturday, November 14, 2026 |
| Mortgage | 3-year variable (insured) | 3.85 % | high-ratio insured mortgage rates available across Ontario | Mortgage Rates Ontario | Best Rates from 3.66% - nesto.ca | As of Friday, November 13, 2026 |
| Mortgage | 4-year fixed (insured) | 4.79 % | lowest insured rates nesto offers | Today’s Mortgage Rates in Canada | Compare All Terms | nesto.ca | as of Saturday, November 14, 2026 |
| Mortgage | 4-year fixed (insured) | 4.79 % | high-ratio insured mortgage rates available across Ontario | Mortgage Rates Ontario | Best Rates from 3.66% - nesto.ca | As of Friday, November 13, 2026 |
| Mortgage | 5-year fixed (insured) | 4.44 % | lowest insured rates nesto offers | Today’s Mortgage Rates in Canada | Compare All Terms | nesto.ca | as of Saturday, November 14, 2026 |
| Mortgage | 5-year fixed (insured) | 4.44 % | high-ratio insured mortgage rates available across Ontario | Mortgage Rates Ontario | Best Rates from 3.66% - nesto.ca | As of Friday, November 13, 2026 |
| Mortgage | 5-year fixed (insured) | 4.44% | fixed rate via a broker channel, as published by the source. | WOWA: Best 5-Year Fixed Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 5-year variable (insured) | 3.66 % | lowest insured rates nesto offers | Today’s Mortgage Rates in Canada | Compare All Terms | nesto.ca | as of Saturday, November 14, 2026 |
| Mortgage | 5-year variable (insured) | 3.66 % | high-ratio insured mortgage rates available across Ontario | Mortgage Rates Ontario | Best Rates from 3.66% - nesto.ca | As of Friday, November 13, 2026 |
| Mortgage | 5-year variable (insured) | 3.66% | Insured loans. Other conditions apply. Prime -1.04 % | Mortgage Rates Ontario | Best Rates from 3.66% - nesto.ca | Rate in effect as of today |
| Mortgage | 7-year fixed (insured) | 6.54 % | lowest insured rates nesto offers | Today’s Mortgage Rates in Canada | Compare All Terms | nesto.ca | as of Saturday, November 14, 2026 |
| Mortgage | 7-year fixed (insured) | 6.54 % | high-ratio insured mortgage rates available across Ontario | Mortgage Rates Ontario | Best Rates from 3.66% - nesto.ca | As of Friday, November 13, 2026 |
| Mortgage | Prime rate | 4.70 % | lender’s prime rate, currently 4.70 % | Today’s Mortgage Rates in Canada | Compare All Terms | nesto.ca | as of Saturday, November 14, 2026 |
Three distinctions that decide what a row is worth
The sources themselves print all three. The first is the insurance class: an insured rate prices a mortgage carrying default insurance, which means a down payment under 20 percent and an amortization of 25 years or less; an insurable rate prices a mortgage that could be insured and is not; and an uninsured rate prices everything else, including refinances, purchases over a million dollars and longer amortizations, which is why the uninsured rows for the same term usually sit higher. The second distinction is posted against discounted: the big banks publish posted rates that almost nobody pays, alongside the discounted and special rates their mortgages actually close at, and both kinds appear in this record labelled as the source labelled them. The third is the term itself, which is the length of the contract rather than the life of the loan, and choosing a term is a judgement about where rates go next rather than a fact any table can settle.
What this page cannot tell you
A rate table cannot say what a given borrower will be offered, because approval pricing turns on the property, the file and the day, and no publisher prints it. What the table fixes is the opening position: the distance between the lowest published figure for a term and the number on a renewal letter is the size of the negotiation, and it is measurable from this page. The lender encyclopedia completes the picture by recording which of these lenders a borrower can approach directly and which ones lend only through a broker, because the channel decides who can be asked at all.
These rates by term, the qualifying rate, and how they move
Each main term family has its own page, carrying every published row for that term and nothing else: 1-year fixed, 2-year fixed, 3-year fixed, 4-year fixed, 5-year fixed, 7-year fixed, 10-year fixed, 3-year variable, 5-year variable and home equity lines of credit. The stress test qualifying rate page prints the current floor and the qualifying rate that follows from the board's lowest contract rates, and the rate changes page tracks the lowest figure in each family across the estate's dated snapshots.
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