Rates
5-year variable mortgage rates
Every published 5-year variable mortgage rate we hold, 105 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 standard floating contract, priced as a discount to the prime rate and moving with it at every Bank of Canada decision for five years.
Lowest 5-year variable rate confirmed at a named lender's own published source3.75%FirstOntario Credit Union · 5-year Variable High Ratio · Captured 2026-11-14
| Institution | Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|---|
| LowestRates.ca | Mortgage | 5-year variable (insured) | 3.45% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| LowestRates.ca | Mortgage | 5-year variable (80% LTV) | 3.45% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| LowestRates.ca | Mortgage | 5-year variable (65% LTV) | 3.45% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| LowestRates.ca | Mortgage | 5-year variable (insured) | 3.45% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| LowestRates.ca | Mortgage | 5-year variable (80% LTV) | 3.45% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| LowestRates.ca | Mortgage | 5-year variable (65% LTV) | 3.45% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| LowestRates.ca | Mortgage | 5-year variable (insured) | 3.45% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| LowestRates.ca | Mortgage | 5-year variable (80% LTV) | 3.45% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| LowestRates.ca | Mortgage | 5-year variable (65% LTV) | 3.45% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| LowestRates.ca | Mortgage | 5-year variable (insured) | 3.45% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| LowestRates.ca | Mortgage | 5-year variable (80% LTV) | 3.45% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| LowestRates.ca | Mortgage | 5-year variable (65% LTV) | 3.45% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| LowestRates.ca | Mortgage | 5-year variable (insured) | 3.45% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| LowestRates.ca | Mortgage | 5-year variable (80% LTV) | 3.45% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| LowestRates.ca | Mortgage | 5-year variable (65% LTV) | 3.45% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| LowestRates.ca | Mortgage | 5-year variable (insured) | 3.45% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| LowestRates.ca | Mortgage | 5-year variable (80% LTV) | 3.45% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| LowestRates.ca | Mortgage | 5-year variable (65% LTV) | 3.45% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| LowestRates.ca | Mortgage | 5-year variable (insured) | 3.45% | Insured: borrowers who have purchased mortgage default insurance, required when you purchase a home with less than a 20% down payment, owner-occupied, amortization 25 years or less. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| RATESDOTCA | Mortgage | 5-year variable (insured) | 3.45% | Insured: The rates in this column apply to borrowers who have purchased mortgage default insurance. This is required when you purchase a home with less than a 20% down payment. The home must be owner-occupied and the amortization must be 25 years or less. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| RATESDOTCA | Mortgage | 5-year variable (80% LTV) | 3.45% | 80% LTV: The rates in this column apply to mortgage amounts between 65.01% and 80% of the property value. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| RATESDOTCA | Mortgage | 5-year variable (65% LTV) | 3.45% | 65% LTV: The rates in this column apply to mortgage amounts that are 65% of the property value or less. The home must be owner-occupied and have an amortization of 25 years or less. You must have purchased it for less than $1 million. These rates are not available on refinances. Refinances require Uninsured rates. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| RATESDOTCA | Mortgage | 5-year variable (insured) | 3.45% | Insured: borrowers who have purchased mortgage default insurance, required when you purchase a home with less than a 20% down payment, owner-occupied, amortization 25 years or less. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. Updated 11:04 on Nov 14, 2026 | Halal mortgages in Canada | RATESDOTCA | 2026-11-14 |
| Mortgage | 5-year variable (uninsurable) | 3.50% | 5-Year Fixed vs. 5-Year Variable Rate Mortgage comparison (lowest rates today) | Best 5-Year Fixed Mortgage Rates Canada from 4.25% | WOWA.ca | November 13, 2026 at 5:35 PM ET | |
| LowestRates.ca | Mortgage | 5-year variable (uninsured) | 3.5% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| LowestRates.ca | Mortgage | 5-year variable (uninsured) | 3.5% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| LowestRates.ca | Mortgage | 5-year variable (uninsured) | 3.5% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| LowestRates.ca | Mortgage | 5-year variable (uninsured) | 3.5% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| LowestRates.ca | Mortgage | 5-year variable (uninsured) | 3.5% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| LowestRates.ca | Mortgage | 5-year variable (uninsured) | 3.5% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| LowestRates.ca | Mortgage | 5-year variable (uninsured) | 3.5% | Uninsured: purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| RATESDOTCA | Mortgage | 5-year variable (uninsured) | 3.50% | Uninsured: The rates in this column apply to purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| RATESDOTCA | Mortgage | 5-year variable (uninsured) | 3.50% | Uninsured: purchases over $1 million, refinances and amortizations over 25 years. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. Updated 11:04 on Nov 14, 2026 | Halal mortgages in Canada | RATESDOTCA | 2026-11-14 |
| Mortgage | 5-year variable (insured) | 3.60% | Lowest insured mortgage rate (What are today's lowest mortgage rates in Canada?) | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | November 13, 2026 at 5:35 PM ET | |
| Mortgage | 5-year variable | 3.60% | Lowest available rate (Lowest Mortgage Rates in Canada cards) | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | November 13, 2026 at 5:35 PM ET | |
| Mortgage | 5-year variable (insured) | 3.60% | 5-Year Fixed vs. 5-Year Variable Rate Mortgage comparison (lowest rates today) | Best 5-Year Fixed Mortgage Rates Canada from 4.25% | WOWA.ca | November 13, 2026 at 5:35 PM ET | |
| Mortgage | 5-year variable | 3.60% | 5-Year Variable vs. 5-Year Fixed Mortgage Rates comparison (Today's Best Rate) | 5-Year Variable Mortgage Rates | November 13, 2026 at 5:35 PM ET | |
| Butler Mortgage | Mortgage | 5-YEAR variable | 3.60% | these are the broker's published rates, Variable Mortgage Rates | Mortgage Rates Ontario - Butler Mortgage | |
| Mortgage | 5-year variable (conventional) | 3.65% | Lowest conventional mortgage rate (What are the lowest conventional mortgage rates in Canada, currently?) | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | November 13, 2026 at 5:35 PM ET | |
| Ratehub.ca | Mortgage | 5-year variable (insured) | 3.65% | Best high-ratio rate as printed in FAQ; lender not named in FAQ | Best mortgage rates Canada | Compare Canada mortgage rates | Ratehub.ca | Best mortgage rates in Canada as of November 13, 2026 |
| nesto | Mortgage | 5-year variable (insured) | 3.66 % | lowest insured rates nesto offers | Today’s Mortgage Rates in Canada | Compare All Terms | nesto.ca | as of Saturday, November 14, 2026 |
| nesto | Mortgage | 5-year variable (insured) | 3.66 % | high-ratio insured mortgage rates available across Ontario | Mortgage Rates Ontario | Best Rates from 3.66% - nesto.ca | As of Friday, November 13, 2026 |
| nesto | Mortgage | 5-year variable (insured) | 3.66% | Insured loans. Other conditions apply. Prime -1.04 % | Mortgage Rates Ontario | Best Rates from 3.66% - nesto.ca | Rate in effect as of today |
| FirstOntario Credit Union | Mortgage | 5-year Variable High Ratio | 3.75% | Mortgage Specials | Rates for personal members | FirstOntario Credit Union | |
| Meridian | Mortgage | 5 year variable | 3.79% | fixed & variable rate mortgages in Ontario, via Homewise | Today's Mortgage Rates in Canada - NerdWallet Canada | Rates updated: Nov 14, 2026 |
| Meridian Credit Union | Mortgage | 5-year variable (broker channel) | 3.79% | variable rate via a credit union channel, as published by the source. | Ratehub.ca: Broker Mortgage Rates | 2026-11-13 |
| Bank Of Montreal | Mortgage | 5 year variable | 3.85% | Best rate / Other rates from Bank Of Montreal, Ontario, via Homewise | BMO Mortgage Rates | Rates updated: Nov 14, 2026 |
| Bank Of Montreal | Mortgage | 5 year variable | 3.85% | fixed & variable rate mortgages in Ontario, via Homewise | Today's Mortgage Rates in Canada - NerdWallet Canada | Rates updated: Nov 14, 2026 |
| Neo Financial | Mortgage | 5 year variable | 3.85% | fixed & variable rate mortgages in Ontario, via Homewise | Today's Mortgage Rates in Canada - NerdWallet Canada | Rates updated: Nov 14, 2026 |
| Pine Financial | Mortgage | 5 year variable | 3.85% | fixed & variable rate mortgages in Ontario, via Homewise | Today's Mortgage Rates in Canada - NerdWallet Canada | Rates updated: Nov 14, 2026 |
| ATB Financial | Mortgage | 5 Year Variable High Ratio (Residential Mortgage) | 3.90% | Our best mortgage offers; Residential Mortgage | ATB Mortgage Offers | No date printed on page; captured 2026-11-14 |
| Mainstreet Credit Union | Mortgage | 5-year Variable | 3.95% | Variable Mortgage Rate; Your monthly mortgage payments can go up or down based on Mainstreet's prime interest rate | Mortgages | Mainstreet Credit Union | |
| Coast Capital Savings | Mortgage | 5-Year Variable High Ratio Rate | 4.010% | Broker Rates; Mortgage rates and approval based on risk profile. Interest rates are subject to change without notice. Insured Mortgage Rates | Broker Mortgage Rates & Lending Guidelines | Coast Capital | Coast Capital Savings | Rate effective 09-Nov-26 |
| Conexus Credit Union | Mortgage | 5 year variable closed | 4.04% | Flex Feature Mortgage, Variable mortgage | Mortgage Rates | |
| ATB Financial | Mortgage | 5 Year Variable (Residential Mortgage) | 4.05% | Our best mortgage offers; Residential Mortgage | ATB Mortgage Offers | No date printed on page; captured 2026-11-14 |
| RBC | Mortgage | 5 Year Variable High Ratio Closed (special) Promotional | 4.100% | Special Offers; High Ratio Mortgages Rates; RBC Prime Rate -0.600% | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| RBC | Mortgage | 5-year variable (broker channel) | 4.1% | variable rate via a bank channel, as published by the source. | Ratehub.ca: Broker Mortgage Rates | 2026-11-13 |
| MCAP | Mortgage | 5-year variable (broker channel) | 4.15% | variable rate via a monoline channel, as published by the source. | Ratehub.ca: Broker Mortgage Rates | 2026-11-13 |
| TD | Mortgage | 5-year variable (broker channel) | 4.19% | variable rate via a bank channel, as published by the source. | Ratehub.ca: Broker Mortgage Rates | 2026-11-13 |
| Vancity | Mortgage | 5-year variable rate, fixed-term (Vancity homeprime rate - 0.50%) | 4.20% | Variable rate mortgages; APR 4.22% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| LowestRates.ca | Mortgage | 5-year variable (Bank Rate) | 4.24% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| LowestRates.ca | Mortgage | 5-year variable (Bank Rate) | 4.24% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Mortgage Rates Canada: Compare Today's Best Mortgage Rates | LowestRates.ca | 2026-11-14 |
| LowestRates.ca | Mortgage | 5-year variable (Bank Rate) | 4.24% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Compare the Best 7-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| LowestRates.ca | Mortgage | 5-year variable (Bank Rate) | 4.24% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Compare Best 10-Year Fixed Mortgage Rates in Canada | LowestRates.ca | 2026-11-14 |
| LowestRates.ca | Mortgage | 5-year variable (Bank Rate) | 4.24% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Compare Best 5-Year Variable Mortgage Rates in Canada | LowestRates.ca | Rates updated: November 14, 2026 at 7:10 AM |
| LowestRates.ca | Mortgage | 5-year variable (Bank Rate) | 4.24% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Compare Best HELOC Interest Rates in Canada Today | LowestRates.ca | 2026-11-14 |
| LowestRates.ca | Mortgage | 5-year variable (Bank Rate, posted) | 4.24% | Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $300,000 | Mortgage Renewal Canada: Compare Best Mortgage Renewal Rates | LowestRates.ca | 2026-11-14 |
| TD | Mortgage | 5-year variable (Bank Rate) | 4.24% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| TD | Mortgage | 5-year variable (Bank Rate, posted) | 4.24% | Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. Updated 11:04 on Nov 14, 2026 | Halal mortgages in Canada | RATESDOTCA | 2026-11-14 |
| Coast Capital Savings | Mortgage | 5-Year Variable Insurable Rate | 4.260% | Broker Rates; Mortgage rates and approval based on risk profile. Interest rates are subject to change without notice. Insurable Mortgage Rates | Broker Mortgage Rates & Lending Guidelines | Coast Capital | Coast Capital Savings | Rate effective 09-Nov-26 |
| CIBC | Mortgage | 5-year variable (broker channel) | 4.3% | variable rate via a bank channel, as published by the source. | Ratehub.ca: Broker Mortgage Rates | 2026-11-13 |
| BMO | Mortgage | 5-year variable (closed) | 4.35% | Discounted BMO mortgage rates; APR 4.37% | BMO Mortgage Rates | Rates updated: Nov 14, 2026 |
| BMO Bank of Montreal | Mortgage | 5-year variable, ≤25-yr amortization | 4.35% | Special / advertised | BMO Bank of Montreal Mortgages: Rates, Prepayment, Penalties, HELOC | As shown on BMO’s rates page, read Nov 2, 2026 (page shows no date) |
| Desjardins | Mortgage | 5-year variable closed - reduced (special) | 4.35% | Closed reduced variable-rate mortgage; 5 years (special rate) | Canadian Mortgage Rates: Fixed and Variable Rates - Desjardins | No date printed on page; captured 2026-11-14 |
| National Bank | Mortgage | 5-year variable, Prime - 0.35% | 4.35% | Special / advertised | National Bank Mortgages: Rates, Prepayment, Penalties, HELOC | As shown on National Bank’s rates page, rates “as at 11-02-2026” |
| BMO | Mortgage | 5-year variable (broker channel) | 4.37% | variable rate via a bank channel, as published by the source. | Ratehub.ca: Broker Mortgage Rates | 2026-11-13 |
| RBC | Mortgage | 5 Year Variable Closed (special) Promotional | 4.400% | Special Offers; Special Rates for Purchase and Switch Transaction - Variable Rate Mortgages; RBC Prime Rate -0.300% (first table as printed) | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| Coast Capital Savings | Mortgage | 5-Year Variable Rate - Closed (Up to 25 Year Amortization) | 4.410% | Broker Rates; Mortgage rates and approval based on risk profile. Interest rates are subject to change without notice. Conventional Variable Rate Mortgages | Broker Mortgage Rates & Lending Guidelines | Coast Capital | Coast Capital Savings | Rate effective 09-Nov-26 |
| DUCA | Mortgage | 5 Year Variable Rate | 4.45% | Low Rate Mortgage (Insured High Ratio); DUCA's Prime Rate: 4.70% | Rates | |
| Average conventional (Ontario) | Mortgage | 5-year variable (conventional) | 4.46 % | average conventional mortgage rates available across Ontario | Mortgage Rates Ontario | Best Rates from 3.66% - nesto.ca | As of Friday, November 13, 2026 |
| Big 6 Bank average | Mortgage | 5-year variable | 4.46 % | Big 6 Bank average mortgage rates | Today’s Mortgage Rates in Canada | Compare All Terms | nesto.ca | as of Saturday, November 14, 2026 |
| Big 6 Banks (average) | Mortgage | 5-year variable (average) | 4.46 % | Current Big 6 Bank average mortgage rates by term. The six largest lenders: TD, RBC, BMO, Scotiabank, CIBC, and National Bank. | Today's Mortgage Rates in Canada | Compare All Terms | nesto.ca | 2026-11-14 |
| RBC | Mortgage | 5 Year Variable Closed (special) Promotional | 4.500% | Special Offers; Special Rates for Purchase and Switch Transaction - Variable Rate Mortgages; RBC Prime Rate -0.200% (second table as printed) | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| Coast Capital Savings | Mortgage | 5-Year Variable Rate - Closed (More than 25 Year Amortization) | 4.510% | Broker Rates; Mortgage rates and approval based on risk profile. Interest rates are subject to change without notice. Conventional Variable Rate Mortgages | Broker Mortgage Rates & Lending Guidelines | Coast Capital | Coast Capital Savings | Rate effective 09-Nov-26 |
| Canada average | Mortgage | 5-year variable (uninsured) | 4.53% | the uninsured average | Today’s Mortgage Rates in Canada | Compare All Terms | nesto.ca | as of Saturday, November 14, 2026 |
| TD Canada Trust | Mortgage | 5-year variable, Prime - 0.31% | 4.54% | Special / advertised; TD Mortgage Prime Rate was shown as 4.85% | TD Canada Trust Mortgages: Rates, Prepayment, Penalties, HELOC | As shown on TD’s rates page, read Nov 2, 2026 (page shows no date) |
| BMO Bank of Montreal | Mortgage | 5-year variable (closed) | 4.700% | Posted | BMO Bank of Montreal Mortgages: Rates, Prepayment, Penalties, HELOC | As shown on BMO’s rates page, read Nov 2, 2026 (page shows no date) |
| Conexus Credit Union | Mortgage | 5 year variable closed | 4.70% | Board rates, variable | Mortgage Rates | |
| Desjardins | Mortgage | 5-year variable closed - reduced | 4.70% | Closed reduced variable-rate mortgage | Canadian Mortgage Rates: Fixed and Variable Rates - Desjardins | No date printed on page; captured 2026-11-14 |
| Desjardins | Mortgage | 5-year variable closed - protected | 4.95% | Closed protected variable-rate mortgage; Maximum rate: 7.54% | Canadian Mortgage Rates: Fixed and Variable Rates - Desjardins | No date printed on page; captured 2026-11-14 |
| Scotiabank | Mortgage | 5-year variable closed (posted) | 5.150% | Posted Rate; Scotia Flex Value Mortgage-Closed 5 Year Term | Mortgages Rates | Scotiabank Canada | Effective November 12, 2026 |
| DUCA | Mortgage | 5 Year Variable Rate | 5.25% | First Rate 2nd Mortgage; DUCA's Prime Rate: 4.70% | Rates | |
| Scotiabank | Mortgage | 5-year variable open (posted) | 7.900% | Posted Rate; Scotia Flex Value Mortgage-Open 5 Year Term | Mortgages Rates | Scotiabank Canada | Effective November 12, 2026 |
| Vancity | Mortgage | 5-year variable rate, open-term (Vancity homeprime rate + 3.30%) | 8.00% | Variable rate mortgages; APR 8.02% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Canadian Lender | Mortgage | 5-year variable | Prime - 1.05% | Ratehub.ca Exclusive (summary table as printed) | Best mortgage rates Canada | Compare Canada mortgage rates | Ratehub.ca | Best mortgage rates in Canada as of November 13, 2026 |
| ICICI Bank Canada | Mortgage | 5-Year Variable Closed | Prime + 1.00% | Posted Rates; Rates are as of August 01, 2025. Interest rates are compounded half-yearly, not in advance and subject to change at any time without notice. Any discounts on mortgage rates are for new applications at the Bank's discretion. No further rate adjustments are permitted within 5 business days prior to the advance date; Mortgages are subject to meeting the lending criteria of ICICI Bank Canada; ICICI Bank Canada Prime Rate is 4.45% as of October 30, 2025. Variable rate and scheduled payment will vary automatically if and when the ICICI Bank Canada Prime Rate varies | Apply for a Mortgage in Canada Online | ICICI Bank Canada | Rates are as of August 01, 2025 |
| ICICI Bank Canada | Mortgage | Insured Mortgage Special Rates 5-Year Variable Closed | Prime + 1.00% | Insured Mortgage Special Rates; Insured rate is only available to customers with less than 20% down payment, purchasing a residential property valued under CAD 1,500,000, who are eligible for the mortgage default insurance and meet other conditions; Rates are as of August 01, 2025 and subject to change at any time without notice; ICICI Bank Canada Prime Rate is 4.45% as of October 30, 2025 | Apply for a Mortgage in Canada Online | ICICI Bank Canada | Rates are as of August 01, 2025 |
| Kawartha Financial Services | Mortgage | 5-Year Variable Closed (some restrictions apply) Promotional | 4.40 | Special Offer: First Mortgages; Mortgage Prime less 0.30% | Rates | Kawartha Financial Services | |
| RBC | Mortgage | 5 Year Variable Closed (posted) | RBC Prime Rate + 0.000% | Posted Rates - Variable Rate Mortgages | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| RBC | Mortgage | 5 Year Variable Open (posted) | RBC Prime Rate + 3.300% | Posted Rates - Variable Rate Mortgages | Current Mortgage Rates | RBC Royal Bank of Canada | No date printed on page; captured 2026-11-14 |
| Shinhan Bank Canada | Mortgage | 5-Year variable (Prime Lending, printed column 1) | Prime-0.50% | SHBC Prime Lending Programs; Variable; rate 1 in printed row; column headings as printed: Domestic Income, BFS-B, Foreign Income, BFS-A | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| Shinhan Bank Canada | Mortgage | 5-Year variable (Prime Lending, printed column 2) | Prime-0.40% | SHBC Prime Lending Programs; Variable; rate 2 in printed row; column headings as printed: Domestic Income, BFS-B, Foreign Income, BFS-A | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| Shinhan Bank Canada | Mortgage | 5-Year variable (Prime Lending, printed column 3) | Prime-0.30% | SHBC Prime Lending Programs; Variable; rate 3 in printed row; column headings as printed: Domestic Income, BFS-B, Foreign Income, BFS-A | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| Shinhan Bank Canada | Mortgage | 5-Year variable (Prime Lending, printed column 4) | Prime-0.30% | SHBC Prime Lending Programs; Variable; rate 4 in printed row; column headings as printed: Domestic Income, BFS-B, Foreign Income, BFS-A | Residential Mortgage Products and Interest Rates | Effective June 15, 2026 |
| WealthONE Bank of Canada | Mortgage | 5-Year variable | Prime + 0.35% | BASE RATES; Variable; For broker use only | Rate Sheet | Effective October 29, 2026 |
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.