Every Canadian bank mortgage rate, in one place.
80 options from 10 banks, pulled from each bank's own site.
- Tangerine 5-Year Variable Closed Mortgage
Lowest advertised preferred/special total variable rate for eligible Tangerine clients; the rate can change with Tangerine’s Prime Rate, while the adjustment factor remains fixed during the rate-guarantee period.
- Rate
- 3.8%
- How it's set
- advertised rate
- Type
- 5-year variable
- Bank
- Tangerine
- 5-year closed reduced variable-rate mortgage
For borrowers comfortable with rate fluctuations who plan to keep the mortgage at least 5 years; this is the advertised special rate, currently prime minus 0.70%, with the spread guaranteed for 5 years and the option to convert to a fixed rate under stated conditions.
- Rate
- 4.1%
- How it's set
- prime − 0.7%
- Type
- 5-year variable
- Bank
- Desjardins
- RBC 5-Year Variable Closed Mortgage
For borrowers seeking a lower initial rate with the ability to convert to a fixed term; RBC advertises this 5-year closed variable mortgage at prime minus 0.300%, with payments fixed for the term while the interest-rate allocation changes as RBC Prime changes.
- Rate
- 4.15%
- How it's set
- prime − 0.3%, not confirmed
- Type
- 5-year variable
- Bank
- RBC
- Laurentian Bank convertible closed variable-rate residential mortgage
Variable-rate option for borrowers seeking a longer term and a discounted margin: a 5-year convertible closed term at prime minus 0.50%, with variable payments and conversion available at any time.
- Rate
- 4.45%
- How it's set
- prime − 0.5%, not confirmed
- Type
- 5-year variable
- Bank
- Laurentian Bank
- Scotia Ultimate Variable Rate Mortgage - 3-Year Closed Term
For borrowers wanting a three-year variable mortgage with fixed payments calculated using a cap rate, protection against rate increases, and an early-renewal feature; Scotiabank does not state the current rate or margin in the accessible page content.
- Rate
- 4.45%
- How it's set
- starting rate, up to 6.24%, not confirmed
- Up to
- 6.24%
- Type
- 3-year variable
- Bank
- Scotiabank
- Tangerine 2-Year Fixed Closed Mortgage
Lowest advertised preferred/special rate for eligible Tangerine clients; a closed 2-year fixed mortgage with a rate guaranteed for up to 120 days and standard prepayment privileges.
- Rate
- 4.54%
- How it's set
- advertised rate, not confirmed
- Type
- 2-year fixed
- Bank
- Tangerine
- 4-year closed fixed-rate mortgage
For borrowers who prefer payment certainty for at least 4 years; this is Desjardins's advertised special rate, reduced from the 6.09% standard rate, with annual prepayments of up to 15% and payment increases of up to double the original payment.
- Rate
- 4.59%
- How it's set
- advertised rate
- Type
- 4-year fixed
- Bank
- Desjardins
- 5-year closed fixed-rate mortgage
For borrowers planning to keep their property for about 5 years and wanting stable payments; this is Desjardins's advertised special rate, reduced from the 6.14% standard rate, with annual prepayments of up to 15% and payment increases of up to double the original payment.
- Rate
- 4.69%
- How it's set
- advertised rate
- Type
- 5-year fixed
- Bank
- Desjardins
- Tangerine 4-Year Fixed Closed Mortgage
Lowest advertised preferred/special rate for eligible Tangerine clients; a closed 4-year fixed mortgage with a rate guaranteed for up to 120 days and standard prepayment privileges.
- Rate
- 4.89%
- How it's set
- advertised rate, not confirmed
- Type
- 4-year fixed
- Bank
- Tangerine
- Scotia Flex Value Mortgage - 5-Year Closed Term
For borrowers seeking a low variable rate whose payment resets with Scotiabank Prime, with prepayment options and the ability to convert to a longer fixed term; the page states a 4.90% advertised rate, which is a special rate rather than a posted rate.
- Rate
- 4.9%
- How it's set
- advertised rate, not confirmed
- Type
- 5-year variable
- Bank
- Scotiabank
- Laurentian Bank convertible closed variable-rate residential mortgage
Variable-rate option for borrowers comfortable with changing payments: a 3-year convertible closed term at prime plus 0.00%, with variable payments and conversion available at any time.
- Rate
- 4.95%
- How it's set
- prime + 0%, not confirmed
- Type
- 3-year variable
- Bank
- Laurentian Bank
- Home Trust Accelerator Mortgage — 5-year fixed closed
Posted-rate insured mortgage for borrowers with established credit purchasing or switching a mortgage; Home Trust’s accessible rates page lists the term but does not state a numeric rate.
- Rate
- 4.99%
- How it's set
- advertised rate
- Type
- 5-year fixed
- Bank
- Home Trust
- RBC 4-Year Fixed Closed Mortgage
For borrowers wanting a middle-length fixed term and payment certainty; this is RBC’s lowest advertised special rate for a 4-year fixed closed mortgage, generally for purchase or switch transactions and amortizations of 25 years or less.
- Rate
- 5.04%
- How it's set
- advertised rate, not confirmed
- Type
- 4-year fixed
- Bank
- RBC
- Tangerine 5-Year Fixed Closed Mortgage
Lowest advertised preferred/special rate for eligible Tangerine clients; a closed 5-year fixed mortgage with portability, up to 25% annual lump-sum prepayments, and up to 25% payment increases.
- Rate
- 5.04%
- How it's set
- advertised rate
- Type
- 5-year fixed
- Bank
- Tangerine
- Home Trust Accelerator Mortgage — 3-year fixed closed
Posted-rate insured mortgage for borrowers with established credit purchasing or switching a mortgage; Home Trust’s accessible rates page lists the term but does not state a numeric rate.
- Rate
- 5.12%
- How it's set
- advertised rate
- Type
- 3-year fixed
- Bank
- Home Trust
- RBC 1-Year Fixed Closed Mortgage
For borrowers wanting short-term payment certainty; this is RBC’s lowest advertised special rate for a fixed closed mortgage with a 1-year term, generally for purchase or switch transactions and amortizations of 25 years or less.
- Rate
- 5.14%
- How it's set
- advertised rate, not confirmed
- Type
- 1-year fixed
- Bank
- RBC
- RBC 2-Year Fixed Closed Mortgage
For borrowers seeking a relatively short fixed-rate commitment; this is RBC’s advertised special rate for a 2-year fixed closed mortgage, generally for purchase or switch transactions and amortizations of 25 years or less.
- Rate
- 5.14%
- How it's set
- advertised rate, not confirmed
- Type
- 2-year fixed
- Bank
- RBC
- RBC 5-Year Fixed Closed Mortgage
For borrowers prioritizing long-term payment predictability; this is RBC’s advertised special rate for a 5-year fixed closed mortgage, with the rate fixed for the full term and standard prepayment restrictions applying.
- Rate
- 5.14%
- How it's set
- advertised rate, not confirmed
- Type
- 5-year fixed
- Bank
- RBC
- Home Trust Accelerator Mortgage — 2-year fixed closed
Posted-rate insured mortgage for borrowers with established credit purchasing or switching a mortgage; Home Trust’s accessible rates page lists the term but does not state a numeric rate.
- Rate
- 5.17%
- How it's set
- advertised rate
- Type
- 2-year fixed
- Bank
- Home Trust
- Scotiabank 2-Year Closed Fixed-Rate Mortgage
For borrowers wanting a short commitment with fixed payments and protection from rate increases; the current annual interest rate is not stated in the accessible page content.
- Rate
- 5.24%
- How it's set
- advertised rate, not confirmed
- Type
- 2-year fixed
- Bank
- Scotiabank
- Home Trust Accelerator Mortgage — 4-year fixed closed
Posted-rate insured mortgage for borrowers with established credit purchasing or switching a mortgage; Home Trust’s accessible rates page lists the term but does not state a numeric rate.
- Rate
- 5.44%
- How it's set
- advertised rate
- Type
- 4-year fixed
- Bank
- Home Trust
- 1-year closed fixed-rate mortgage
For borrowers who want a short fixed term and payment certainty; the rate is the posted standard rate and remains fixed for 1 year, with annual prepayments of up to 15% and payment increases of up to double the original payment.
- Rate
- 5.49%
- How it's set
- advertised rate
- Type
- 1-year fixed
- Bank
- Desjardins
- Scotiabank 1-Year Closed Fixed-Rate Mortgage
For borrowers seeking short-term protection from rate increases; Scotiabank advertises the closed fixed product, but the current annual interest rate is not stated in the accessible page content, so no special or posted rate is reported.
- Rate
- 5.49%
- How it's set
- advertised rate, not confirmed
- Type
- 1-year fixed
- Bank
- Scotiabank
- 2-year closed fixed-rate mortgage
For borrowers seeking short-term fixed-rate stability; the rate is the posted standard rate and remains fixed for 2 years, with annual prepayments of up to 15% and payment increases of up to double the original payment.
- Rate
- 5.59%
- How it's set
- advertised rate
- Type
- 2-year fixed
- Bank
- Desjardins
- Tangerine 1-Year Fixed Closed Mortgage
Lowest advertised preferred/special rate for eligible Tangerine clients; a closed 1-year fixed mortgage with a rate guaranteed for up to 120 days and standard prepayment privileges.
- Rate
- 5.59%
- How it's set
- advertised rate, not confirmed
- Type
- 1-year fixed
- Bank
- Tangerine
- Home Trust Accelerator Mortgage — 1-year fixed closed
Posted-rate insured mortgage for borrowers with established credit purchasing or switching a mortgage; Home Trust’s accessible rates page lists the term but does not state a numeric rate.
- Rate
- 5.9%
- How it's set
- advertised rate
- Type
- 1-year fixed
- Bank
- Home Trust
- 3-year closed fixed-rate mortgage
For borrowers who want a medium-term fixed rate and predictable payments; the rate is the posted standard rate and remains fixed for 3 years, with annual prepayments of up to 15% and payment increases of up to double the original payment.
- Rate
- 5.99%
- How it's set
- advertised rate, not confirmed
- Type
- 3-year fixed
- Bank
- Desjardins
- Laurentian Bank closed fixed-rate residential mortgage
Posted rate for borrowers wanting short-term payment certainty with a 2-year closed mortgage; rates are guaranteed for up to 120 days, subject to approval and conditions.
- Rate
- 5.99%
- How it's set
- advertised rate, not confirmed
- Type
- 2-year fixed
- Bank
- Laurentian Bank
- Laurentian Bank closed fixed-rate residential mortgage
Posted rate for borrowers seeking stable payments over a medium-term 3-year closed mortgage, with prepayment options and a rate guarantee of up to 120 days.
- Rate
- 6.04%
- How it's set
- advertised rate, not confirmed
- Type
- 3-year fixed
- Bank
- Laurentian Bank
- Scotiabank 3-Year Closed Fixed-Rate Mortgage
For borrowers comfortable locking in a fixed rate and payment for three years, with conventional or insured financing available; the current annual interest rate is not stated in the accessible page content.
- Rate
- 6.05%
- How it's set
- advertised rate, not confirmed
- Type
- 3-year fixed
- Bank
- Scotiabank
- Laurentian Bank closed fixed-rate residential mortgage
Posted rate for borrowers seeking predictable payments on a 1-year closed mortgage; rates are guaranteed for up to 120 days, subject to approval and conditions.
- Rate
- 6.09%
- How it's set
- advertised rate, not confirmed
- Type
- 1-year fixed
- Bank
- Laurentian Bank
- Scotiabank 4-Year Closed Fixed-Rate Mortgage
For borrowers seeking four years of fixed payments and rate certainty, with prepayment options and conventional or insured financing; the current annual interest rate is not stated in the accessible page content.
- Rate
- 6.09%
- How it's set
- advertised rate, not confirmed
- Type
- 4-year fixed
- Bank
- Scotiabank
- Laurentian Bank closed fixed-rate residential mortgage
Posted rate for borrowers who want four years of fixed payments and the mortgage’s standard prepayment flexibility, subject to credit approval and conditions.
- Rate
- 6.19%
- How it's set
- advertised rate, not confirmed
- Type
- 4-year fixed
- Bank
- Laurentian Bank
- Scotiabank 5-Year Closed Fixed-Rate Mortgage
For borrowers prioritizing longer-term payment and rate certainty, with prepayment options and conventional or insured financing; the current annual interest rate is not stated in the accessible page content.
- Rate
- 6.19%
- How it's set
- advertised rate, not confirmed
- Type
- 5-year fixed
- Bank
- Scotiabank
- Laurentian Bank closed fixed-rate residential mortgage
Posted rate for borrowers prioritizing long-term payment stability over a 5-year closed term; the separate promotional 5-year offer was excluded as requested.
- Rate
- 6.24%
- How it's set
- advertised rate, not confirmed
- Type
- 5-year fixed
- Bank
- Laurentian Bank
- 7-year closed fixed-rate mortgage
For borrowers prioritizing long-term payment certainty; the rate is the posted standard rate and remains fixed for 7 years, with annual prepayments of up to 15% and payment increases of up to double the original payment.
- Rate
- 6.39%
- How it's set
- advertised rate
- Type
- 7-year fixed
- Bank
- Desjardins
- Scotiabank 7-Year Closed Fixed-Rate Mortgage
For borrowers who want extended fixed-rate and payment security for seven years, with conventional or insured financing available; the current annual interest rate is not stated in the accessible page content.
- Rate
- 6.4%
- How it's set
- advertised rate, not confirmed
- Type
- 7-year fixed
- Bank
- Scotiabank
- Scotiabank 10-Year Closed Fixed-Rate Mortgage
For borrowers seeking the longest listed fixed-payment commitment and protection from rate changes, with conventional or insured financing available; the current annual interest rate is not stated in the accessible page content.
- Rate
- 6.8%
- How it's set
- advertised rate, not confirmed
- Type
- 10-year fixed
- Bank
- Scotiabank
- 10-year closed fixed-rate mortgage
For borrowers seeking the longest listed fixed-rate protection; the rate is the posted standard rate and remains fixed for 10 years, with annual prepayments of up to 15% and payment increases of up to double the original payment.
- Rate
- 6.89%
- How it's set
- advertised rate
- Type
- 10-year fixed
- Bank
- Desjardins
- RBC 10-Year Fixed Closed Mortgage
For borrowers wanting the longest listed fixed-rate commitment and maximum payment stability; RBC does not advertise a 10-year special rate on the cited rate table, so this uses the posted rate.
- Rate
- 6.9%
- How it's set
- advertised rate, not confirmed
- Type
- 10-year fixed
- Bank
- RBC
- CIBC Fixed-Rate Closed Mortgage — 1-year
For borrowers seeking predictable payments over a 1-year closed term; CIBC advertises a special rate for new mortgages, but the current cibc.com page renders the numeric rate as an unavailable placeholder.
- Rate
- Not listed
- How it's set
- advertised rate
- Type
- 1-year fixed
- Bank
- CIBC
- CIBC Fixed-Rate Closed Mortgage — 10-year
For borrowers seeking the longest listed fixed-payment protection; CIBC lists a posted 10-year closed rate with no special offer, but the current cibc.com page renders the numeric rate as an unavailable placeholder.
- Rate
- Not listed
- How it's set
- advertised rate
- Type
- 10-year fixed
- Bank
- CIBC
- CIBC Fixed-Rate Closed Mortgage — 2-year
For borrowers wanting payment certainty over a 2-year closed term; CIBC advertises a special rate for new mortgages, but the current cibc.com page renders the numeric rate as an unavailable placeholder.
- Rate
- Not listed
- How it's set
- advertised rate
- Type
- 2-year fixed
- Bank
- CIBC
- CIBC Fixed-Rate Closed Mortgage — 3-year
For borrowers seeking stable payments over 3 years; CIBC advertises a special rate for new mortgages with amortizations of 25 years or less, but the numeric rate is unavailable in the current cibc.com page output.
- Rate
- Not listed
- How it's set
- advertised rate
- Type
- 3-year fixed
- Bank
- CIBC
- CIBC Fixed-Rate Closed Mortgage — 4-year
For borrowers wanting predictable payments over a 4-year closed term; CIBC advertises a special rate for new mortgages, but the current cibc.com page renders the numeric rate as an unavailable placeholder.
- Rate
- Not listed
- How it's set
- advertised rate
- Type
- 4-year fixed
- Bank
- CIBC
- CIBC Fixed-Rate Closed Mortgage — 5-year
For borrowers seeking long-term payment stability over 5 years; CIBC advertises a special rate for new mortgages, but the current cibc.com page renders the numeric rate as an unavailable placeholder.
- Rate
- Not listed
- How it's set
- advertised rate
- Type
- 5-year fixed
- Bank
- CIBC
- CIBC Fixed-Rate Closed Mortgage — 7-year
For borrowers prioritizing extended payment certainty over a 7-year closed term; CIBC advertises a special rate, but the current cibc.com page renders the numeric rate as an unavailable placeholder.
- Rate
- Not listed
- How it's set
- advertised rate
- Type
- 7-year fixed
- Bank
- CIBC
- CIBC Variable Flex Mortgage — 3-year closed
For borrowers comfortable with changing rates who want a 3-year variable closed term, up to 20% annual prepayments and conversion to a fixed closed mortgage of 3 years or more; CIBC advertises a special rate, but the numeric rate is unavailable in the current cibc.com page output.
- Rate
- Not listed
- How it's set
- advertised rate
- Type
- 3-year variable
- Bank
- CIBC
- CIBC Variable Flex Mortgage — 5-year closed
For borrowers comfortable with rate fluctuations who want a 5-year variable closed term, up to 20% annual prepayments and fixed-rate conversion rights; CIBC advertises a special rate, but the numeric rate is unavailable in the current cibc.com page output.
- Rate
- Not listed
- How it's set
- advertised rate
- Type
- 5-year variable
- Bank
- CIBC
Advertised rates only. Your rate depends on your credit, so check the bank's page before you apply.