Canadian Mortgage Rate Comparison

Rates last updated: November 7, 2026

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Institution	Fixed 1Y	Fixed 2Y	Fixed 3Y	Fixed 4Y	Fixed 5Y	Fixed 7Y	Fixed 10Y	Variable 3Y	Variable 5Y
Alterna	5.69%	5.39%	4.94%	5.04%	5.04%	—	—	4.50%	4.40%
ATBAvailable to residents of Alberta.	6.09%	5.59%	4.59%	4.64%	4.59%	—	—	—	4.05%
BeemAvailable to residents of British Columbia.	4.79%	4.59%	4.44%	4.64%	4.59%	5.20%	—	4.15%	4.00%
BMO	5.49%	4.94%	4.94%	5.99%	6.09%	6.40%	6.80%	—	4.35%
CIBC	5.09%	4.84%	5.09%	5.24%	5.34%	5.54%	6.79%	4.40%	4.45%
FirstOntarioAvailable to residents of Ontario.	5.49%	4.84%	4.94%	4.99%	5.04%	5.94%	6.14%	—	4.25%
KawarthaAvailable to residents of Ontario.	6.59%	5.89%	5.04%	5.04%	5.09%	—	—	4.40%	4.40%
KindredAvailable to residents of Ontario.	5.35%	5.35%	4.75%	5.05%	4.95%	—	—	—	4.70%
LibroAvailable to residents of Ontario.	5.59%	5.39%	5.29%	5.29%	5.34%	6.29%	—	—	4.40%
Manulife Bank	6.89%	6.34%	5.39%	5.69%	5.59%	6.35%	6.69%	—	4.70%
Meridian	6.09%	5.74%	4.59%	4.59%	4.79%	6.89%	6.99%	—	3.99%
National Bank	5.49%	5.19%	5.09%	5.09%	5.14%	5.34%	6.80%	—	4.35%
Northern BirchAvailable to residents of Ontario.	5.09%	4.84%	4.94%	5.04%	5.14%	—	—	—	4.70%
NorthernAvailable to residents of Ontario.	5.79%	5.89%	4.79%	6.19%	4.89%	—	—	—	—
PathwiseAvailable to residents of Ontario.	5.99%	5.09%	4.79%	4.89%	4.89%	—	—	—	4.70%
ProsperaAvailable to residents of British Columbia.	4.89%	4.49%	4.60%	4.72%	4.85%	4.99%	5.36%	—	4.09%
RBC	5.14%	5.14%	5.09%	5.14%	5.14%	5.25%	6.90%	—	4.40%
Scotiabank	5.49%	5.24%	6.05%	6.09%	6.19%	6.40%	6.80%	6.20%	5.15%
ServusAvailable to residents of Alberta.	4.94%	4.59%	4.59%	4.69%	4.64%	—	—	—	—
Simplii	—	5.24%	6.64%	6.19%	6.49%	6.30%	6.79%	—	4.45%
Steinbach Credit Union	4.19%	4.19%	4.19%	4.29%	4.39%	—	—	—	3.80%
Tangerine	5.99%	5.14%	4.94%	5.04%	5.19%	5.50%	5.90%	—	4.20%
TruAvailable to residents of British Columbia.	4.84%	4.79%	4.74%	4.79%	4.84%	7.49%	7.74%	—	4.10%
WealthONEAvailable to residents of every province and territory except Quebec.	5.19%	5.44%	5.69%	5.69%	5.74%	—	—	5.50%	5.55%
WFCUAvailable to residents of Ontario.	6.49%	5.49%	4.89%	5.99%	4.89%	7.19%	—	—	—
YNCUAvailable to residents of Ontario.	5.99%	5.99%	4.69%	4.79%	4.99%	5.99%	—	—	—

— Not available for this term · Map pin: Not available in all of Canada · Select a rate to open it on the institution's website · Highlighted cells are the lowest rate in the column

Disclaimer: Rates may not be accurate and may change without notice. Your actual rate depends on your application and the lender’s approval. Always verify current terms directly with the financial institution before making any decisions.

How we collect rates: We regularly collect rates from publicly available information published by financial institutions, with automated checks and periodic spot checks for accuracy.

Canadian Mortgage Rate Comparison

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