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Canadian mortgage rates

Canadian mortgage rates board

An at-a-glance view of best 5-year fixed, variable, and 3-year fixed rates across the country. Filter by province, term, and product class.

Sample data — RatePulse live feed in development. Confirm with the lender before any decision.
Rates live · last updated just now
Rates moved 7 times today
Best by category
Best 5-yr fixed (insured)
4.79%
Best 5-yr fixed (uninsured)
4.99%
Best 5-yr variable
4.30%
Best 3-yr fixed
4.69%
Best 4-yr fixed
4.72%
Best refinance
5.29%
National Bank of Canada logo
National Bank of Canada
A-tier · Quebec
4.30%
variable
insured
5 yr
just now
First National logo
First National
A-tier · Broker channel
4.40%
variable
insured
5 yr
just now
MCAP logo
MCAP
A-tier · Broker channel
4.69%
fixed
insured
3 yr
just now
Strive Capital logo
Strive Capital
A-tier · Insurable
4.72%
fixed
insured
4 yr
just now
Merix Financial logo
Merix Financial
A-tier · Broker channel
4.75%
fixed
insured
3 yr
just now
RBC Royal Bank logo
RBC Royal Bank
A-tier · Prime
4.79%
fixed
insured
5 yr
just now
TD Canada Trust logo
TD Canada Trust
A-tier · HELOC
4.84%
fixed
insured
5 yr
just now
Scotiabank logo
Scotiabank
A-tier · HELOC
4.89%
fixed
insured
5 yr
just now
BMO logo
BMO
A-tier · Smart-fixed
4.99%
fixed
uninsured
5 yr
just now
CIBC logo
CIBC
A-tier · Prime
5.05%
fixed
uninsured
5 yr
just now
Equitable Bank logo
Equitable Bank
B-tier · Alt-A
5.29%
fixed
refinance
5 yr
just now
Home Trust logo
Home Trust
B-tier · Alt-A
5.49%
fixed
rental
5 yr
just now

Rates shown are indicative and update from lender postings. Final rate depends on your full file. Run your scenario or subscribe to rate alerts above.

About these rates

Sample data notice: the rates shown above are illustrative samples for layout purposes only — they do not represent live quotes from the lenders pictured. Mortgage360's live RatePulse feed is in development. Always confirm posted rates directly with the lender or your mortgage broker before any decision.

Once RatePulse is live, each row will show the lender's posted rate, type (fixed / variable / hybrid), term, and product class (insured / insurable / uninsured / rental / refinance / HELOC), refreshed continuously throughout the day.

What affects the rate you actually get

Posted rates are starting points. Your final rate depends on your full file — credit, down payment, employment, property type, and amortization. To see what you actually qualify for, run the affordability calculator and the stress test.

Insured, insurable, uninsured — what's the difference?

Insured mortgages have less than 20% down and require CMHC insurance — they typically get the lowest rates. Insurable have 20%+ down and meet conventional criteria. Uninsured don't meet those criteria (often refinances or non-conforming) and price slightly higher.

Why does this page feel alive?

Lender postings change throughout the day. Most rates sites show a static snapshot taken once a day. This board re-renders in real time — when a posted rate moves, the row pulses for a few seconds so you see what just changed.

Ready when you are

See what you actually qualify for

Posted rates are starting points. Run the affordability + stress-test calculators to see what you can actually borrow under current rules — no sign-up, no follow-up.