Rates
5-year fixed mortgage rates
Every published 5-year fixed mortgage rate we hold, 216 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 term most Canadian borrowers hold and the one the stress test, the posted-rate series and the penalty formulas all revolve around, which is why its published rows are the most numerous in this record.
Lowest 5-year fixed rate confirmed at a named lender's own published source4.29%Steinbach Credit Union · High-Ratio Fixed 5-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 | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| RATESDOTCA | 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 |
| RATESDOTCA | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| RATESDOTCA | 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 |
| RATESDOTCA | 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 |
| RATESDOTCA | 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 |
| RATESDOTCA | 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 |
| Multi-Prêts Hypothèques | 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 |
| CIBC | 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 |
| CIBC | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 |
| LowestRates.ca | 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 (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 | 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 (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 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 (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 | |
| Prosperity Credit Union | 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 | 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 | |
| Ratehub.ca | 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 | 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 | |
| DUCA | Mortgage | 5 Year Fixed Closed | 4.39% | Low Rate Mortgage (Insured High Ratio); DUCA's Prime Rate: 4.70% | Rates | |
| DUCA | 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 | 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 (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 (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 (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 (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 (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 | |
| Butler Mortgage | Mortgage | 5-YEAR fixed | 4.44% | these are the broker's published rates, Fixed Mortgage Rates | Mortgage Rates Ontario - Butler Mortgage | |
| 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 |
| Frank Mortgage | 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 |
| Frank 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 |
| Ratehub.ca | 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 |
| nesto | 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 |
| nesto | 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 |
| nesto | 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 |
| Access Credit Union | Mortgage | 5 Year Fixed | 4.49% | Access Credit Union - Access Credit Union Rates | Current Mortgage & Savings Rates | Rates were last updated November 13, 2026 | |
| Kindred Credit Union | 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 |
| Kindred Credit Union | 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 |
| Shinhan Bank Canada | 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 |
| FirstOntario Credit Union | Mortgage | 5-year Fixed High Ratio | 4.54% | Mortgage Specials | Rates for personal members | FirstOntario Credit Union | |
| Pathwise Credit Union | 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 |
| Innovation Credit Union | 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 |
| Shinhan Bank Canada | 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 |
| WFCU Credit Union | Mortgage | 5-Year Fixed Rate High Ratio Mortgage Special | 4.59% | (4.56%APR*) | Rates - WFCU | |
| Equitable Bank | 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 |
| 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 |
| 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 |
| Kawartha Financial Services | 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 |
| Libro Credit Union | 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 |
| Libro 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 |
| Tandia | Mortgage | 5 Year Fixed Fully Closed Mortgage | 4.64% | FIXED FULLY CLOSED RESIDENTIAL MORTGAGE | Mortgage Rates | Tandia Financial | |
| Alterna Savings | 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 |
| Alterna Savings | 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 |
| Laurentian | 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 |
| Laurentian Bank | 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 |
| Meridian | 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 |
| Meridian Credit Union | 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 |
| 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 |
| National Bank | 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 |
| 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 |
| 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 |
| Shinhan Bank Canada | 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 |
| Shinhan Bank Canada | 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 |
| Coast Capital Savings | 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 |
| RFA | Mortgage | 5 Year Fixed (Insured) | 4.74% | Standard Rates; Insured / Insurable; Insured | RFA - Prime | No date printed on page; captured 2026-11-14 |
| RFA | 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 (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 | |
| Meridian Credit Union | 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 |
| Vancity | 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 |
| Your Neighbourhood Credit Union | Mortgage | 5-year fixed | 4.79% | High-ratio mortgage | Mortgage Rates | YNCU | |
| 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 |
| RBC | 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 |
| 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 |
| IG Wealth Management | 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 |
| IG Wealth Management | 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 |
| RFA | 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 |
| RFA | 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 |
| Vancity | 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 |
| WFCU Credit Union | Mortgage | 5-Year Fixed Rate Mortgage Special | 4.89% | (4.86%APR*) | Rates - WFCU | |
| CMLS | 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 |
| CMLS | 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 | 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 |
| Caisse Alliance | 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 |
| MCAP | 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 |
| Mainstreet Credit Union | Mortgage | 5-year Fixed | 4.94% | Fixed Mortgage Rate | Mortgages | Mainstreet Credit Union | |
| RFA | 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 |
| Coast Capital Savings | 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 |
| BMO | 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 |
| BMO | 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 |
| BMO | Mortgage | 5-year fixed (insured) | 4.99% | Best 5-Year Fixed Mortgage Rates Canada from 4.25% | WOWA.ca | As of November 13, 2026 | |
| BMO | 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 |
| CIBC | 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” |
| CIBC | 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 |
| CIBC | 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 |
| CIBC | Mortgage | 5-year fixed (insured) | 4.99% | Best 5-Year Fixed Mortgage Rates Canada from 4.25% | WOWA.ca | As of November 13, 2026 | |
| CIBC | 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 |
| CIBC | 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 |
| Desjardins | 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 |
| Desjardins | 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 |
| First National | 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 |
| Manulife Bank | 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 |
| TD | 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 |
| Your Neighbourhood Credit Union | Mortgage | 5-year fixed | 4.99% | Conventional mortgage | Mortgage Rates | YNCU | |
| Alterna Bank | 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 |
| RFA | 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 |
| DUCA | Mortgage | 5 Year Fixed Closed | 5.09% | First Rate 2nd Mortgage; DUCA's Prime Rate: 4.70% | Rates | |
| BMO | 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 |
| BMO | Mortgage | 5-year fixed (uninsurable) | 5.14% | Best 5-Year Fixed Mortgage Rates Canada from 4.25% | WOWA.ca | As of November 13, 2026 | |
| 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 | 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 |
| RBC | 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 |
| 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 |
| Average conventional (Ontario) | 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 |
| Big 6 Bank average | 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 |
| Big 6 Banks (average) | 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 |
| BMO | 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 |
| RFA | 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 |
| RFA | 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 |
| Tangerine | 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 |
| Tangerine | 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 |
| 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 |
| RFA | 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 |
| Coast Capital Savings | 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 |
| Coast Capital Savings | 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 |
| 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 |
| RFA | Mortgage | 5 Year Fixed (Uninsurable, <= 80%) | 5.29% | Uninsurable; <= 80% | RFA - Prime | No date printed on page; captured 2026-11-14 |
| TD | 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 |
| TD | Mortgage | 5-year fixed (insured) | 5.29% | Best 5-Year Fixed Mortgage Rates Canada from 4.25% | WOWA.ca | As of November 13, 2026 | |
| TD | Mortgage | 5-year fixed (uninsurable) | 5.29% | Best 5-Year Fixed Mortgage Rates Canada from 4.25% | WOWA.ca | As of November 13, 2026 | |
| TD | 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 |
| 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 |
| CIBC | 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” |
| CIBC | 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 |
| CIBC | Mortgage | 5-year fixed (uninsurable) | 5.34% | Best 5-Year Fixed Mortgage Rates Canada from 4.25% | WOWA.ca | As of November 13, 2026 | |
| 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 |
| IC Savings | Mortgage | 5 year Fixed-Rate Closed Mortgage | 5.34% | Fixed-Rate Closed Mortgages; APR1 5.40% | Rates | |
| Simplii Financial | 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 |
| Simplii Financial | 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 |
| Coast Capital Savings | 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 |
| Canada average | 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 |
| TD | 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 |
| TD | 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 |
| TD Canada Trust | 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) |
| DUCA | Mortgage | 5 Year Fixed Closed | 5.49% | Co-op and Co-ownership Mortgage; DUCA's Prime Rate: 4.70% | Rates | |
| Equitable Bank | 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 |
| Community Trust | 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 |
| Community Trust | 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 |
| RFA | 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 |
| WealthONE Bank of Canada | Mortgage | 5-Year fixed | 5.74% | BASE RATES; Fixed; For broker use only | Rate Sheet | Effective October 29, 2026 |
| WFCU Credit Union | Mortgage | 5 Year Fixed-Rate Mortgage | 5.89% | Fixed-Rate Mortgage; APR 5.54% | Rates - WFCU | |
| RFA | 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 |
| BMO | 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 |
| BMO | 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 |
| BMO Bank of Montreal | 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) |
| ICICI Bank Canada | 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 |
| ICICI Bank Canada | 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 |
| National Bank | 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 |
| TD | 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 |
| TD | 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 |
| TD Canada Trust | 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 (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 | |
| RBC | 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 |
| RBC | 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 |
| Scotiabank | Mortgage | 5-year fixed closed | 6.190% | Closed Term Fixed Rate Mortgages; posted rates section | Mortgages Rates | Scotiabank Canada | Effective November 12, 2026 |
| Scotiabank | 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 |
| Home Trust | 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 |
| Desjardins | 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 |
| Home Trust | 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 |
| CIBC | 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 |
| CIBC | 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 |
| Home Trust | 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 |
| Servus Credit Union | Mortgage | 5 Year fixed open | 11.04% | Fixed Rate Open Mortgage | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
| RBC | 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 |
| First National | 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. |
| First National | 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. |
| First National | 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. |
| First National | 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. |
| First National | 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. |
| First National | 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. |
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.