Rates
3-year fixed mortgage rates
Every published 3-year fixed mortgage rate we hold, 202 rows. The card above leads with the lowest figure for this term confirmed at a named lender's own published source; the table prints every published row, comparison sources included. The middle term that has quietly become one of the most contested in the market, long enough to matter and short enough to reprice while the memory of signing is fresh.
Lowest 3-year fixed rate confirmed at a named lender's own published source4.09%Steinbach Credit Union · High-Ratio Fixed 3-year Mortgage · Rates are current as of November 15, 2026
| Institution | Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|---|
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| RATESDOTCA | 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 |
| RATESDOTCA | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| RATESDOTCA | 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 |
| RATESDOTCA | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| RATESDOTCA | 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 |
| RATESDOTCA | 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 |
| Multi-Prêts Hypothèques | 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 | 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 | |
| Cambrian Credit Union | Mortgage | 3 Year Fixed | 4.19% | Mortgage Rates | Cambrian | ||
| Access Credit Union | Mortgage | 3 Year Fixed | 4.29% | Access Credit Union - Access Credit Union Rates | Current Mortgage & Savings Rates | Rates were last updated November 13, 2026 | |
| Assiniboine Credit Union | Mortgage | 3-year fixed | 4.29% | Feature mortgage rate | ACU - Mortgages | Home financing solutions - Winnipeg and Manitoba | |
| WFCU Credit Union | Mortgage | 3-Year Fixed Rate High Ratio Mortgage Special | 4.29% | (4.28%APR*) | Rates - WFCU | |
| Ratehub.ca | 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 |
| Shinhan Bank Canada | 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 (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 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 | |
| CIBC | 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 |
| CIBC | 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 |
| Frank Mortgage | 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 |
| Frank Mortgage | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| FirstOntario Credit Union | Mortgage | 3-year Fixed High Ratio | 4.44% | Mortgage Specials | Rates for personal members | FirstOntario Credit Union | |
| Kindred Credit Union | 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 |
| Kindred Credit Union | 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 |
| Pathwise Credit Union | 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 |
| Shinhan Bank Canada | 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 |
| Butler Mortgage | Mortgage | 3-YEAR fixed | 4.49% | these are the broker's published rates, Fixed Mortgage Rates | Mortgage Rates Ontario - Butler Mortgage | |
| 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 |
| DUCA | Mortgage | 3 Year Fixed Closed | 4.49% | Low Rate Mortgage (Insured High Ratio); DUCA's Prime Rate: 4.70% | Rates | |
| DUCA | 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 |
| Meridian | 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 |
| Meridian Credit Union | 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 |
| Your Neighbourhood Credit Union | Mortgage | 3-year fixed | 4.49% | High-ratio mortgage | Mortgage Rates | YNCU | |
| 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 |
| Shinhan Bank Canada | 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 |
| Shinhan Bank Canada | 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 |
| nesto | 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 |
| nesto | 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 |
| nesto | 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 |
| Alterna Savings | 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 | |
| Alterna Savings | 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 |
| Innovation Credit Union | 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 |
| Kawartha Financial Services | 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 |
| 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 |
| Kawartha Financial Services | 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 |
| Libro Credit Union | 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 |
| Libro Credit Union | 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 |
| Servus Credit Union | Mortgage | 3 Year fixed closed | 4.59% | Fixed Rate Closed Mortgage, Special Rate | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| Frank Mortgage | 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 |
| MCAP | 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 |
| Meridian Credit Union | 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 |
| RFA | Mortgage | 3 Year Fixed (Insured) | 4.69% | Standard Rates; Insured / Insurable; Insured | RFA - Prime | No date printed on page; captured 2026-11-14 |
| RFA | 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 |
| Your Neighbourhood Credit Union | Mortgage | 3-year fixed | 4.69% | Conventional mortgage | Mortgage Rates | YNCU | |
| Vancity | 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 |
| Kindred Credit Union | 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 |
| 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 |
| DUCA | Mortgage | 3 Year Fixed Closed | 4.79% | First Rate 2nd Mortgage; DUCA's Prime Rate: 4.70% | Rates | |
| IG Wealth Management | 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 |
| IG Wealth Management | 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 |
| Mainstreet Credit Union | Mortgage | 3-year Fixed | 4.79% | Fixed Mortgage Rate | Mortgages | Mainstreet Credit Union | |
| Shinhan Bank Canada | 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 |
| Vancity | 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 |
| CMLS | 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 |
| CMLS | 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 |
| Caisse Alliance | 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 |
| Caisse Alliance | 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 |
| Meridian | 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 |
| RFA | 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 |
| WFCU Credit Union | Mortgage | 3-Year Fixed Rate Mortgage Special | 4.89% | (4.87%APR*) | Rates - WFCU | |
| Alterna Bank | 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 |
| BMO | Mortgage | 3-year fixed | 4.94% | Discounted BMO mortgage rates; APR 4.97% | BMO Mortgage Rates | Rates updated: Nov 14, 2026 |
| BMO | 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 |
| BMO | 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 |
| BMO | 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 |
| 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 |
| BMO Bank of Montreal | 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) |
| Equitable Bank | 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 |
| Shinhan Bank Canada | 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 |
| Shinhan Bank Canada | 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 |
| Tangerine | 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 |
| Tangerine | 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 |
| Tangerine | 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 |
| BMO | 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 |
| RFA | 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 |
| RFA | 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 |
| Shinhan Bank Canada | 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 |
| Coast Capital Savings | 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 |
| BMO | 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 |
| CIBC | 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” |
| CIBC | 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 |
| CIBC | 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 |
| CIBC | 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 |
| CIBC | 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 |
| CIBC | 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 |
| 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 |
| IC Savings | Mortgage | 3 year Fixed-Rate Closed Mortgage | 5.09% | Fixed-Rate Closed Mortgages; APR1 5.26% | Rates | |
| National Bank | 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 |
| National Bank | 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 |
| National Bank | 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 |
| National Bank | 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 |
| 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 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 |
| RBC | 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 |
| RBC | 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 |
| 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 |
| Simplii Financial | 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 |
| Simplii Financial | 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 |
| Simplii Financial | 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 |
| Coast Capital Savings | 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 |
| Caisse Alliance | 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 |
| Caisse Alliance | 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 |
| DUCA | Mortgage | 3 Year Fixed Closed | 5.19% | Co-op and Co-ownership Mortgage; DUCA's Prime Rate: 4.70% | Rates | |
| 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 |
| Shinhan Bank Canada | Mortgage | 3-Year fixed (Alternative, Newcomer) | 5.19% | SHBC Alternative Lending Programs; Fixed; Newcomer | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| TD | 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 |
| TD | 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 |
| TD | 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 |
| TD | 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 |
| TD | 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 |
| 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 |
| TD Canada Trust | 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) |
| Average conventional (Ontario) | 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 |
| Big 6 Bank average | 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 |
| Big 6 Banks (average) | 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 |
| Canada average | 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 |
| Libro Credit Union | 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 |
| WFCU Credit Union | Mortgage | 3 Year Fixed-Rate Mortgage | 5.34% | Fixed-Rate Mortgage; APR 5.31% | Rates - WFCU | |
| IG Wealth Management | 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 |
| Manulife Bank | 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 |
| CMLS | 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 |
| Bridgewater Bank | 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 |
| Bridgewater Bank | 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 |
| Equitable Bank | 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 |
| First National | 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. |
| First National | 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 |
| WealthONE Bank of Canada | Mortgage | 3-Year fixed | 5.69% | BASE RATES; Fixed; For broker use only | Rate Sheet | Effective October 29, 2026 |
| First National | 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. |
| Community Trust | 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 |
| Community Trust | 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 |
| Community Trust | 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 |
| Community Trust | 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 |
| Servus Credit Union | Mortgage | 3 Year fixed closed | 5.94% | Fixed Rate Closed Mortgage | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| First National | 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. |
| BMO | 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 |
| BMO Bank of Montreal | 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) |
| Scotiabank | Mortgage | 3-year fixed closed | 6.050% | Closed Term Fixed Rate Mortgages; posted rates section | Mortgages Rates | Scotiabank Canada | Effective November 12, 2026 |
| Laurentian | 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 |
| Laurentian | 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 |
| Laurentian Bank | 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 |
| National Bank | 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” |
| Desjardins | 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 |
| ICICI Bank Canada | 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 |
| TD | 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 |
| TD Canada Trust | 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) |
| First National | 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. |
| RBC | 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 |
| First National | 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. |
| Home Trust | 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 |
| Home Trust | 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 |
| Home Trust | 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 |
| Servus Credit Union | Mortgage | 3 Year fixed open | 10.29% | Fixed Rate Open Mortgage | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| First National | 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. |
| First National | 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. |
| First National | 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. |
| First National | 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. |
| First National | 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. |
| First National | 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. |
| Frank Mortgage | 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 |
These rows are one slice of the full mortgage rates record, printed apart so a reader shopping one term is not scrolling past the other nine. Promotional rows are tagged where their own conditions describe them as such.