Rates
4-year fixed mortgage rates
Every published 4-year fixed mortgage rate we hold, 91 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 least marketed of the standard terms, priced by the same bond market as its neighbours and worth reading beside them, because the four-year figure sometimes sits below the three and the five.
Lowest 4-year fixed rate confirmed at a named lender's own published source4.19%Steinbach Credit Union · High-Ratio Fixed 4-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 | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| RATESDOTCA | 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 |
| RATESDOTCA | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| RATESDOTCA | 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 |
| RATESDOTCA | 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 | 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 (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 | |
| Access Credit Union | Mortgage | 4 Year Fixed | 4.39% | Access Credit Union - Access Credit Union Rates | Current Mortgage & Savings Rates | Rates were last updated November 13, 2026 | |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| RATESDOTCA | 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 |
| RATESDOTCA | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| National Bank | 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 |
| National Bank | 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 |
| Shinhan Bank Canada | 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 |
| Butler Mortgage | Mortgage | 4-YEAR fixed | 4.54% | these are the broker's published rates, Fixed Mortgage Rates | Mortgage Rates Ontario - Butler Mortgage | |
| Shinhan Bank Canada | 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 |
| Your Neighbourhood Credit Union | Mortgage | 4-year fixed | 4.59% | High-ratio mortgage | Mortgage Rates | YNCU | |
| Shinhan Bank Canada | 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 |
| Shinhan Bank Canada | 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 | 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 | |
| DUCA | Mortgage | 4 Year Fixed Closed | 4.69% | Low Rate Mortgage (Insured High Ratio); DUCA's Prime Rate: 4.70% | Rates | |
| Servus Credit Union | Mortgage | 4 Year fixed closed | 4.69% | Fixed Rate Closed Mortgage, Special Rate | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| Vancity | 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 |
| FirstOntario Credit Union | Mortgage | 4-year Fixed High Ratio | 4.79% | Mortgage Specials | Rates for personal members | FirstOntario Credit Union | |
| 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 |
| Your Neighbourhood Credit Union | Mortgage | 4-year fixed | 4.79% | Conventional mortgage | Mortgage Rates | YNCU | |
| nesto | 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 |
| nesto | 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 |
| Vancity | 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 |
| RFA | Mortgage | 4 Year Fixed (Insured) | 4.89% | Standard Rates; Insured / Insurable; Insured | RFA - Prime | No date printed on page; captured 2026-11-14 |
| RFA | 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 |
| Desjardins | 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 |
| RFA | 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 |
| Coast Capital Savings | 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 |
| 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 |
| RFA | 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 |
| RFA | 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 |
| Coast Capital Savings | 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 |
| IC Savings | Mortgage | 4 year Fixed-Rate Closed Mortgage | 5.24% | Fixed-Rate Closed Mortgages; APR1 5.34% | Rates | |
| 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 |
| DUCA | Mortgage | 4 Year Fixed Closed | 5.39% | First Rate 2nd Mortgage; DUCA's Prime Rate: 4.70% | Rates | |
| Average conventional (Ontario) | 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 |
| Big 6 Bank average | 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 |
| Big 6 Banks (average) | 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 |
| WealthONE Bank of Canada | Mortgage | 4-Year fixed | 5.69% | BASE RATES; Fixed; For broker use only | Rate Sheet | Effective October 29, 2026 |
| DUCA | Mortgage | 4 Year Fixed Closed | 5.79% | Co-op and Co-ownership Mortgage; DUCA's Prime Rate: 4.70% | Rates | |
| Servus Credit Union | Mortgage | 4 Year fixed closed | 5.99% | Fixed Rate Closed Mortgage | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| WFCU Credit Union | Mortgage | 4 Year Fixed-Rate Mortgage | 5.99% | Fixed-Rate Mortgage; APR 5.94% | Rates - WFCU | |
| ICICI Bank Canada | 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 |
| RBC | 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 |
| Scotiabank | Mortgage | 4-year fixed closed | 6.090% | Closed Term Fixed Rate Mortgages; posted rates section | Mortgages Rates | Scotiabank Canada | Effective November 12, 2026 |
| Desjardins | 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 |
| Equitable Bank | 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 |
| Servus Credit Union | Mortgage | 4 Year fixed open | 10.49% | Fixed Rate Open Mortgage | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| First National | 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. |
| First National | 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. |
| First National | 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. |
| First National | 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. |
| First National | 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. |
| First National | 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. |
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.