Representative rates gathered from our lending partners. Your actual rate depends on credit profile, down payment, and property type — get an exact quote in under a minute.
| Lender | Term | Type | Rate | Payment / $500k | |
|---|---|---|---|---|---|
MCAP |
5-Year | Fixed Best rate | 4.34% | $2,733 | Get quote |
Equitable Bank |
5-Year | Variable | 4.09% | $2,647 | Get quote |
Home Trust |
1-Year | Fixed | 4.79% | $2,881 | Get quote |
First National |
2-Year | Fixed | 4.59% | $2,796 | Get quote |
First National |
3-Year | Fixed | 4.49% | $2,782 | Get quote |
TD |
4-Year | Fixed | 4.71% | $2,860 | Get quote |
TD |
5-Year | Variable | 4.65% | $2,834 | Get quote |
RBC |
5-Year | Fixed | 4.79% | $2,882 | Get quote |
Scotiabank |
5-Year | Fixed | 4.84% | $2,899 | Get quote |
BMO |
5-Year | Fixed | 4.89% | $2,916 | Get quote |
CIBC |
5-Year | Fixed | 4.87% | $2,909 | Get quote |
National Bank |
5-Year | Fixed | 4.82% | $2,892 | Get quote |
Tangerine |
5-Year | Fixed | 4.94% | $2,933 | Get quote |
HSBC |
5-Year | Fixed | 4.91% | $2,923 | Get quote |
RBC |
7-Year | Fixed | 5.09% | $3,006 | Get quote |
BMO |
10-Year | Fixed | 5.49% | $3,231 | Get quote |
Payment estimates assume a 25-year amortization and are for illustration only. Rates last refreshed today and are subject to change without notice — get an exact quote for your file.
Fixed rate: your rate is locked for the full term, so your payment never moves — good for anyone who values a predictable budget.
Variable rate: your rate moves with the lender's prime rate. Payments can be structured to stay fixed while the principal/interest split shifts, or to move with the rate — historically the cheaper option over a full term, with more month-to-month uncertainty.
Insured (high-ratio): for down payments under 20%, mortgage default insurance is required, which typically unlocks a lower rate than a conventional (20%+ down) mortgage.
Share of rate quotes requested through our desk in the last 30 days, by term length.
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