Mis à jour le 20 octobre 2026

Taux hypothécaires au Canada (octobre 2026)

Comparez 80 taux hypothécaires de banques canadiennes, avec les taux tirés du site de chaque banque. Le taux affiché le plus bas est 3,8 % (Tangerine 5-Year Variable Closed Mortgage, Tangerine).

ProduitBanqueTypeTaux
Tangerine 5-Year Variable Closed MortgageTangerineVariable 5 ans3,8 %
BMO 5-Year Variable Mortgage (closed)BMOVariable 5 ans4,1 % non confirmé
5-year closed reduced variable-rate mortgageDesjardinsVariable 5 ans4,1 %
RBC 5-Year Variable Closed MortgageRBCVariable 5 ans4,15 % non confirmé
TD 5 Year Variable ClosedTDVariable 5 ans4,29 %
Laurentian Bank convertible closed variable-rate residential mortgageLaurentian BankVariable 5 ans4,45 % non confirmé
Scotia Ultimate Variable Rate Mortgage - 3-Year Closed TermScotiabankVariable 3 ans4,45 % non confirmé
Tangerine 2-Year Fixed Closed MortgageTangerineFixe 2 ans4,54 % non confirmé
4-year closed fixed-rate mortgageDesjardinsFixe 4 ans4,59 %
5-year closed fixed-rate mortgageDesjardinsFixe 5 ans4,69 %
BMO 3-Year Fixed Mortgage (closed)BMOFixe 3 ans4,74 % non confirmé
Tangerine 3-Year Fixed Closed MortgageTangerineFixe 3 ans4,79 % non confirmé
Tangerine 4-Year Fixed Closed MortgageTangerineFixe 4 ans4,89 % non confirmé
Scotia Flex Value Mortgage - 5-Year Closed TermScotiabankVariable 5 ans4,9 % non confirmé
BMO 5-Year Smart Fixed Mortgage (closed)BMOFixe 5 ans4,94 % non confirmé
BMO Fixed Rate Closed Mortgage — 2 yearBMOFixe 2 ans4,94 % non confirmé
3-year fixed closed residential mortgageNational BankFixe 3 ans4,94 % non confirmé
Laurentian Bank convertible closed variable-rate residential mortgageLaurentian BankVariable 3 ans4,95 % non confirmé
Home Trust Accelerator Mortgage — 5-year fixed closedHome TrustFixe 5 ans4,99 %
2-year fixed closed residential mortgageNational BankFixe 2 ans4,99 %
RBC 3-Year Fixed Closed MortgageRBCFixe 3 ans4,99 % non confirmé
4-year fixed closed residential mortgageNational BankFixe 4 ans5,04 %
5-year fixed closed residential mortgageNational BankFixe 5 ans5,04 %
5-year variable closed residential mortgageNational BankVariable 5 ans5,04 %
RBC 4-Year Fixed Closed MortgageRBCFixe 4 ans5,04 % non confirmé
Tangerine 5-Year Fixed Closed MortgageTangerineFixe 5 ans5,04 %
Home Trust Accelerator Mortgage — 3-year fixed closedHome TrustFixe 3 ans5,12 %
RBC 1-Year Fixed Closed MortgageRBCFixe 1 ans5,14 % non confirmé
RBC 2-Year Fixed Closed MortgageRBCFixe 2 ans5,14 % non confirmé
RBC 5-Year Fixed Closed MortgageRBCFixe 5 ans5,14 % non confirmé
Tangerine 7-Year Fixed Closed MortgageTangerineFixe 7 ans5,14 %
Home Trust Accelerator Mortgage — 2-year fixed closedHome TrustFixe 2 ans5,17 %
Tangerine 10-Year Fixed Closed MortgageTangerineFixe 10 ans5,19 %
Scotiabank 2-Year Closed Fixed-Rate MortgageScotiabankFixe 2 ans5,24 % non confirmé
TD 3 Year Fixed ClosedTDFixe 3 ans5,24 %
RBC 7-Year Fixed Closed MortgageRBCFixe 7 ans5,25 % non confirmé
7-year fixed closed residential mortgageNational BankFixe 7 ans5,34 %
TD 2 Year Fixed ClosedTDFixe 2 ans5,39 %
TD 5 Year Fixed ClosedTDFixe 5 ans5,39 %
Home Trust Accelerator Mortgage — 4-year fixed closedHome TrustFixe 4 ans5,44 %
BMO Fixed Rate Closed Mortgage — 1 yearBMOFixe 1 ans5,49 % non confirmé
1-year closed fixed-rate mortgageDesjardinsFixe 1 ans5,49 %
1-year fixed closed residential mortgageNational BankFixe 1 ans5,49 %
Scotiabank 1-Year Closed Fixed-Rate MortgageScotiabankFixe 1 ans5,49 % non confirmé
2-year closed fixed-rate mortgageDesjardinsFixe 2 ans5,59 %
Tangerine 1-Year Fixed Closed MortgageTangerineFixe 1 ans5,59 % non confirmé
TD 1 Year Fixed ClosedTDFixe 1 ans5,69 %
Home Trust Accelerator Mortgage — 1-year fixed closedHome TrustFixe 1 ans5,9 %
BMO Fixed Rate Closed Mortgage — 4 yearBMOFixe 4 ans5,99 % non confirmé
3-year closed fixed-rate mortgageDesjardinsFixe 3 ans5,99 % non confirmé
Laurentian Bank closed fixed-rate residential mortgageLaurentian BankFixe 2 ans5,99 % non confirmé
TD 4 Year Fixed ClosedTDFixe 4 ans5,99 %
Laurentian Bank closed fixed-rate residential mortgageLaurentian BankFixe 3 ans6,04 % non confirmé
Scotiabank 3-Year Closed Fixed-Rate MortgageScotiabankFixe 3 ans6,05 % non confirmé
Laurentian Bank closed fixed-rate residential mortgageLaurentian BankFixe 1 ans6,09 % non confirmé
Scotiabank 4-Year Closed Fixed-Rate MortgageScotiabankFixe 4 ans6,09 % non confirmé
Laurentian Bank closed fixed-rate residential mortgageLaurentian BankFixe 4 ans6,19 % non confirmé
Scotiabank 5-Year Closed Fixed-Rate MortgageScotiabankFixe 5 ans6,19 % non confirmé
Laurentian Bank closed fixed-rate residential mortgageLaurentian BankFixe 5 ans6,24 % non confirmé
7-year closed fixed-rate mortgageDesjardinsFixe 7 ans6,39 %
BMO Fixed Rate Closed Mortgage — 7 yearBMOFixe 7 ans6,4 % non confirmé
Scotiabank 7-Year Closed Fixed-Rate MortgageScotiabankFixe 7 ans6,4 % non confirmé
TD 7 Year Fixed ClosedTDFixe 7 ans6,4 %
Laurentian Bank closed fixed-rate residential mortgageLaurentian BankFixe 7 ans6,69 % non confirmé
BMO Fixed Rate Closed Mortgage — 10 yearBMOFixe 10 ans6,8 % non confirmé
10-year fixed closed residential mortgageNational BankFixe 10 ans6,8 %
Scotiabank 10-Year Closed Fixed-Rate MortgageScotiabankFixe 10 ans6,8 % non confirmé
TD 10 Year Fixed ClosedTDFixe 10 ans6,8 %
10-year closed fixed-rate mortgageDesjardinsFixe 10 ans6,89 %
RBC 10-Year Fixed Closed MortgageRBCFixe 10 ans6,9 % non confirmé
Laurentian Bank closed fixed-rate residential mortgageLaurentian BankFixe 10 ans7,14 % non confirmé
CIBC Fixed-Rate Closed Mortgage — 1-yearCIBCFixe 1 ansNon publié
CIBC Fixed-Rate Closed Mortgage — 10-yearCIBCFixe 10 ansNon publié
CIBC Fixed-Rate Closed Mortgage — 2-yearCIBCFixe 2 ansNon publié
CIBC Fixed-Rate Closed Mortgage — 3-yearCIBCFixe 3 ansNon publié
CIBC Fixed-Rate Closed Mortgage — 4-yearCIBCFixe 4 ansNon publié
CIBC Fixed-Rate Closed Mortgage — 5-yearCIBCFixe 5 ansNon publié
CIBC Fixed-Rate Closed Mortgage — 7-yearCIBCFixe 7 ansNon publié
CIBC Variable Flex Mortgage — 3-year closedCIBCVariable 3 ansNon publié
CIBC Variable Flex Mortgage — 5-year closedCIBCVariable 5 ansNon publié

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Autres banques

BMOCIBCDesjardinsHome TrustLaurentian BankNational BankRBCScotiabankTDTangerine

Taux affichés seulement. Votre taux dépend de votre crédit; vérifiez la page de la banque avant de faire une demande.

Comparer les taux hypothécaires

Comparez les taux hypothécaires fixes et variables des banques canadiennes, de 1 à 10 ans. Les taux affichés sont un point de départ : les banques offrent souvent des taux différents selon votre mise de fonds et votre crédit.

Taux fixe ou variable : lequel choisir?

Un taux fixe garde votre paiement stable pendant le terme. Un taux variable suit le taux préférentiel : il peut coûter moins cher, mais comporte plus de risque.

GoPayoff affiche les taux publiés par chaque banque. Ce n’est pas un conseil financier, et votre taux dépend de l’approbation. Nous utilisons des témoins d’analyse pour améliorer le site.