Canadian mortgage rates board
An at-a-glance view of best 5-year fixed, variable, and 3-year fixed rates across the country. Filter by province, term, and product class.
Rates shown are samples for layout only, not lender postings. Confirm any rate with the lender. Run your scenario or subscribe to rate alerts above.
About these rates
Sample data notice: the rates shown above are illustrative samples for layout purposes only — they do not represent live quotes from the lenders pictured. Mortgage360's live RatePulse feed is in development. Always confirm posted rates directly with the lender or your mortgage broker before any decision.
Once RatePulse is live, each row will show the lender's posted rate, type (fixed / variable / hybrid), term, and product class (insured / insurable / uninsured / rental / refinance / HELOC), refreshed throughout the day.
What affects the rate you actually get
Posted rates are starting points. Your final rate depends on your full file — credit, down payment, employment, property type, and amortization. To see what you actually qualify for, run the affordability calculator and the stress test.
Insured, insurable, uninsured — what's the difference?
Insured mortgages have less than 20% down and require CMHC insurance — they typically get the lowest rates. Insurable have 20%+ down and meet conventional criteria. Uninsured don't meet those criteria (often refinances or non-conforming) and price slightly higher.
See what you actually qualify for
Posted rates are starting points. Run the affordability + stress-test calculators to see what you can actually borrow under current rules — no sign-up, no follow-up.