Compare Canadian mortgage rates, see payments instantly, and get pre‑approved fast with guidance you can trust.
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| Term | Type | Rate | APR | Conditions | |
|---|---|---|---|---|---|
| 5‑Year | Fixed | 4.79% | 4.91% | Insured, owner‑occupied | Get pre‑approved → |
| 3‑Year | Variable | Prime − 0.60% | — | Qualification applies | Get pre‑approved → |
| 1‑Year | Fixed | 5.19% | 5.28% | Quick close | Get pre‑approved → |
Illustrative only; subject to change without notice. OAC.
First‑time buyers, move‑ups, renewals, and refinances. We compare lenders and features so you don’t have to.
Financing for multi‑residential, mixed‑use, office, industrial, retail, and land. We coordinate with broker partners who specialize in commercial underwriting.
How qualifying rate works, why it matters, and how to plan around it.
Read guide →Breakdown by home price tiers and when CMHC insurance applies.
Read guide →Pros & cons, risk tolerance, and payment stability insights.
Read guide →The mortgage stress test requires borrowers to qualify at the higher of a benchmark qualifying rate or the contract rate + 2%. This safeguards against payment shocks if rates rise. Planning for the qualifying rate early can improve approval confidence.
Fixed offers payment stability for budgeting; variable may track prime and can be advantageous if rates fall. Your risk tolerance and term length matter most.
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