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Rate change history

Every material change to a product — formatting changes and re-runs of the collector are not recorded here. Most entries are changes we observed ourselves. Where a lender publishes the date a rate took effect, as RBC and CIBC do, a product's first entry carries that date instead, so it can predate our first collection run.

Advertised rate over time

Lowest advertised 5 years fixed rate at each lender.

4.535.155.786.402 Jun 202616 Jul 2026
  • CIBC4.94%
  • National Bank of Canada4.84%
  • RBC4.89%
  • Scotiabank6.09%
  • TD4.84%

Hover the chart to read every lender's rate on a given day. A line starts when we first knew that lender's rate: RBC and CIBC publish the date each rate took effect, so their history reaches back before we started collecting. Lenders that publish no such date appear from our first collection onward.

Filters

250 changes

Material mortgage rate changes over time.
DateLenderProductChangePreviousNew
TDtd-1-year-fixed-closed-uninsured-onTerms changedapr: 5.591 → 5.592
TDtd-6-month-fixed-closed-insured-onTerms changedapr: 6.233 → 6.234
TDtd-6-month-fixed-closed-uninsured-onTerms changedapr: 5.693 → 5.694
TDtd-1-year-fixed-closed-insured-onTerms changedapr: 6.531 → 6.532
TDtd-6-month-fixed-closed-insured-onTerms changedapr: 6.232 → 6.233
TDtd-6-month-fixed-closed-uninsured-onTerms changedapr: 5.691 → 5.693
TDtd-1-year-fixed-open-insured-onTerms changedapr: 10.051 → 10.052
TDtd-1-year-fixed-open-uninsured-onTerms changedapr: 10.051 → 10.052
TDtd-6-month-fixed-closed-insured-onTerms changedapr: 6.23 → 6.232
TDtd-6-month-fixed-closed-uninsured-onTerms changedapr: 5.69 → 5.691
TDtd-6-month-fixed-closed-insured-onTerms changedapr: 6.229 → 6.23
TDtd-6-month-fixed-closed-uninsured-onTerms changedapr: 5.689 → 5.69
TDtd-1-year-fixed-closed-insured-onTerms changedapr: 6.53 → 6.531
TDtd-1-year-fixed-closed-uninsured-onTerms changedapr: 5.59 → 5.591
TDtd-6-month-fixed-closed-insured-onTerms changedapr: 6.228 → 6.229
TDtd-6-month-fixed-closed-uninsured-onTerms changedapr: 5.688 → 5.689
TDtd-7-year-fixed-closed-insured-onTerms changedapr: 6.105 → 6.106
TDtd-3-year-fixed-closed-insured-onTerms changedapr: 5.734 → 5.735
TDtd-6-month-fixed-closed-insured-onTerms changedapr: 6.227 → 6.228
TDtd-6-month-fixed-closed-uninsured-onTerms changedapr: 5.687 → 5.688
TDtd-1-year-fixed-open-insured-onTerms changedapr: 10.05 → 10.051
TDtd-1-year-fixed-open-uninsured-onTerms changedapr: 10.05 → 10.051
TDtd-6-month-fixed-closed-insured-onTerms changedapr: 6.226 → 6.227
TDtd-6-month-fixed-closed-uninsured-onTerms changedapr: 5.686 → 5.687
TDtd-3-year-fixed-closed-uninsured-onTerms changedapr: 4.674 → 4.675
TDtd-6-month-fixed-closed-insured-onTerms changedapr: 6.225 → 6.226
TDtd-6-month-fixed-closed-uninsured-onTerms changedapr: 5.685 → 5.686
TDtd-1-year-fixed-closed-insured-onTerms changedapr: 6.529 → 6.53
TDtd-1-year-fixed-closed-uninsured-onTerms changedapr: 5.589 → 5.59
TDtd-6-month-fixed-closed-insured-onTerms changedapr: 6.224 → 6.225
TDtd-6-month-fixed-closed-uninsured-onTerms changedapr: 5.684 → 5.685
TDtd-6-month-fixed-closed-insured-onTerms changedapr: 6.223 → 6.224
TDtd-6-month-fixed-closed-uninsured-onTerms changedapr: 5.683 → 5.684
TDtd-1-year-fixed-open-insured-onTerms changedapr: 10.049 → 10.05
TDtd-1-year-fixed-open-uninsured-onTerms changedapr: 10.049 → 10.05
TDtd-6-month-fixed-closed-insured-onTerms changedapr: 6.222 → 6.223
TDtd-6-month-fixed-closed-uninsured-onTerms changedapr: 5.682 → 5.683
TDtd-6-month-fixed-closed-insured-onTerms changedapr: 6.221 → 6.222
TDtd-6-month-fixed-closed-uninsured-onTerms changedapr: 5.681 → 5.682
TDtd-1-year-fixed-closed-insured-onTerms changedapr: 6.528 → 6.529
TDtd-1-year-fixed-closed-uninsured-onTerms changedapr: 5.588 → 5.589
TDtd-6-month-fixed-closed-insured-onTerms changedapr: 6.22 → 6.221
TDtd-6-month-fixed-closed-uninsured-onTerms changedapr: 5.68 → 5.681
TDtd-6-year-fixed-closed-uninsured-onProduct added6.29%
TDtd-1-year-fixed-open-insured-onTerms changedapr: 10.048 → 10.049
TDtd-1-year-fixed-open-uninsured-onTerms changedapr: 10.048 → 10.049
TDtd-2-year-fixed-closed-insured-onTerms changedapr: 5.92 → 5.921
TDtd-6-month-fixed-closed-insured-onTerms changedapr: 6.219 → 6.22
TDtd-6-month-fixed-closed-uninsured-onTerms changedapr: 5.679 → 5.68
TDtd-6-year-fixed-closed-uninsured-onProduct withdrawnNo longer advertised on the lender's public rate page.6.29%
TDtd-2-year-fixed-closed-uninsured-onTerms changedapr: 4.94 → 4.941
TDtd-6-month-fixed-closed-insured-onTerms changedapr: 6.218 → 6.219
TDtd-6-month-fixed-closed-uninsured-onTerms changedapr: 5.678 → 5.679
TDtd-1-year-fixed-closed-uninsured-onTerms changedapr: 5.587 → 5.588
TDtd-6-month-fixed-closed-insured-onTerms changedapr: 6.217 → 6.218
TDtd-6-month-fixed-closed-uninsured-onTerms changedapr: 5.677 → 5.678
TDtd-1-year-fixed-closed-insured-onTerms changedapr: 6.527 → 6.528
TDtd-6-month-fixed-closed-insured-onTerms changedapr: 6.216 → 6.217
TDtd-6-month-fixed-closed-uninsured-onTerms changedapr: 5.676 → 5.677
TDtd-1-year-fixed-open-insured-onTerms changedapr: 10.047 → 10.048
TDtd-1-year-fixed-open-uninsured-onTerms changedapr: 10.047 → 10.048
TDtd-6-month-fixed-closed-insured-onTerms changedapr: 6.215 → 6.216
TDtd-6-month-fixed-closed-uninsured-onTerms changedapr: 5.675 → 5.676
TDtd-6-month-fixed-closed-insured-onTerms changedapr: 6.214 → 6.215
TDtd-6-month-fixed-closed-uninsured-onTerms changedapr: 5.674 → 5.675
TDtd-1-year-fixed-closed-uninsured-onTerms changedapr: 5.586 → 5.587
TDtd-6-month-fixed-closed-uninsured-onTerms changedapr: 5.673 → 5.674
TDtd-1-year-fixed-closed-insured-onTerms changedapr: 6.526 → 6.527
TDtd-6-month-fixed-closed-insured-onTerms changedapr: 6.213 → 6.214
TDtd-6-month-fixed-closed-uninsured-onTerms changedapr: 5.672 → 5.673
TDtd-1-year-fixed-open-insured-onTerms changedapr: 10.046 → 10.047
TDtd-1-year-fixed-open-uninsured-onTerms changedapr: 10.046 → 10.047
TDtd-5-year-variable-open-insured-onTerms changedapr: 7.77 → 7.771
TDtd-5-year-variable-open-uninsured-onTerms changedapr: 7.77 → 7.771
TDtd-6-month-fixed-closed-insured-onTerms changedapr: 6.211 → 6.213
TDtd-6-month-fixed-closed-uninsured-onTerms changedapr: 5.671 → 5.672
TDtd-1-year-fixed-closed-uninsured-onTerms changedapr: 5.585 → 5.586
TDtd-6-month-fixed-closed-insured-onTerms changedapr: 6.21 → 6.211
TDtd-6-month-fixed-closed-uninsured-onTerms changedapr: 5.67 → 5.671
National Bank of Canadanational-bank-3-year-fixed-closed-onRate changed4.69%4.64%
National Bank of Canadanational-bank-3-year-fixed-closed-onTerms changedapr: 4.74 → 4.694.69%4.64%
TDtd-1-year-fixed-closed-insured-onTerms changedapr: 6.525 → 6.526
TDtd-6-month-fixed-closed-insured-onTerms changedapr: 6.209 → 6.21
TDtd-6-month-fixed-closed-uninsured-onTerms changedapr: 5.669 → 5.67
TDtd-1-year-fixed-open-insured-onTerms changedapr: 10.045 → 10.046
TDtd-1-year-fixed-open-uninsured-onTerms changedapr: 10.045 → 10.046
TDtd-6-month-fixed-closed-insured-onTerms changedapr: 6.208 → 6.209
TDtd-6-month-fixed-closed-uninsured-onTerms changedapr: 5.668 → 5.669
TDtd-3-year-fixed-closed-insured-onRate changed5.75%5.7%
TDtd-3-year-fixed-closed-insured-onTerms changedapr: 5.784 → 5.7345.75%5.7%
TDtd-3-year-fixed-closed-uninsured-onRate changed4.69%4.64%
TDtd-3-year-fixed-closed-uninsured-onTerms changedapr: 4.724 → 4.6744.69%4.64%
TDtd-5-year-variable-closed-insured-onRate changed5.05%5%
TDtd-5-year-variable-closed-insured-onTerms changedapr: 5.071 → 5.0215.05%5%
TDtd-5-year-variable-closed-uninsured-onRate changed4.29%4.24%
TDtd-5-year-variable-closed-uninsured-onTerms changedapr: 4.311 → 4.2614.29%4.24%
TDtd-6-month-fixed-closed-insured-onTerms changedapr: 6.207 → 6.208
TDtd-6-month-fixed-closed-uninsured-onTerms changedapr: 5.667 → 5.668
TDtd-1-year-fixed-closed-uninsured-onTerms changedapr: 5.584 → 5.585
TDtd-6-month-fixed-closed-uninsured-onTerms changedapr: 5.666 → 5.667
TDtd-1-year-fixed-closed-insured-onTerms changedapr: 6.524 → 6.525
TDtd-2-year-fixed-closed-insured-onTerms changedapr: 5.919 → 5.92
TDtd-2-year-fixed-closed-uninsured-onTerms changedapr: 4.939 → 4.94
TDtd-6-month-fixed-closed-insured-onTerms changedapr: 6.206 → 6.207
TDtd-1-year-fixed-closed-insured-onTerms changedapr: 6.532 → 6.524
TDtd-1-year-fixed-closed-uninsured-onTerms changedapr: 5.592 → 5.584
TDtd-1-year-fixed-open-insured-onTerms changedapr: 10.053 → 10.045
TDtd-1-year-fixed-open-uninsured-onTerms changedapr: 10.053 → 10.045
TDtd-2-year-fixed-closed-insured-onTerms changedapr: 5.922 → 5.919
TDtd-2-year-fixed-closed-uninsured-onTerms changedapr: 4.942 → 4.939
TDtd-3-year-fixed-closed-insured-onTerms changedapr: 5.785 → 5.784
TDtd-3-year-fixed-closed-uninsured-onTerms changedapr: 4.725 → 4.724
TDtd-5-year-variable-open-insured-onTerms changedapr: 7.771 → 7.77
TDtd-5-year-variable-open-uninsured-onTerms changedapr: 7.771 → 7.77
TDtd-6-month-fixed-closed-insured-onTerms changedapr: 6.232 → 6.206
TDtd-6-month-fixed-closed-uninsured-onTerms changedapr: 5.691 → 5.666
TDtd-7-year-fixed-closed-insured-onTerms changedapr: 6.106 → 6.105
TDtd-7-year-fixed-closed-uninsured-onTerms changedapr: 6.416 → 6.415
TDtd-1-year-fixed-open-insured-onTerms changedapr: 10.052 → 10.053
TDtd-1-year-fixed-open-uninsured-onTerms changedapr: 10.052 → 10.053
TDtd-2-year-fixed-closed-insured-onTerms changedapr: 5.921 → 5.922
TDtd-2-year-fixed-closed-uninsured-onTerms changedapr: 4.941 → 4.942
TDtd-6-month-fixed-closed-insured-onTerms changedapr: 6.23 → 6.232
TDtd-6-month-fixed-closed-uninsured-onTerms changedapr: 5.69 → 5.691
TDtd-7-year-fixed-closed-uninsured-onTerms changedapr: 6.415 → 6.416
TDtd-1-year-fixed-closed-uninsured-onTerms changedapr: 5.591 → 5.592
TDtd-6-month-fixed-closed-insured-onTerms changedapr: 6.229 → 6.23
TDtd-6-month-fixed-closed-uninsured-onTerms changedapr: 5.689 → 5.69
TDtd-1-year-fixed-closed-insured-onTerms changedapr: 6.531 → 6.532
TDtd-6-month-fixed-closed-insured-onTerms changedapr: 6.228 → 6.229
TDtd-6-month-fixed-closed-uninsured-onTerms changedapr: 5.688 → 5.689
TDtd-1-year-fixed-open-insured-onTerms changedapr: 10.051 → 10.052
TDtd-1-year-fixed-open-uninsured-onTerms changedapr: 10.051 → 10.052
TDtd-6-month-fixed-closed-insured-onTerms changedapr: 6.227 → 6.228
TDtd-6-month-fixed-closed-uninsured-onTerms changedapr: 5.687 → 5.688
TDtd-6-month-fixed-closed-insured-onTerms changedapr: 6.226 → 6.227
TDtd-6-month-fixed-closed-uninsured-onTerms changedapr: 5.686 → 5.687
TDtd-1-year-fixed-closed-insured-onTerms changedapr: 6.53 → 6.531
TDtd-1-year-fixed-closed-uninsured-onTerms changedapr: 5.59 → 5.591
TDtd-6-month-fixed-closed-insured-onTerms changedapr: 6.225 → 6.226
TDtd-6-month-fixed-closed-uninsured-onTerms changedapr: 5.685 → 5.686
TDtd-7-year-fixed-closed-insured-onTerms changedapr: 6.105 → 6.106
TDtd-3-year-fixed-closed-insured-onTerms changedapr: 5.784 → 5.785
TDtd-6-month-fixed-closed-insured-onTerms changedapr: 6.224 → 6.225
TDtd-6-month-fixed-closed-uninsured-onTerms changedapr: 5.684 → 5.685
TDtd-1-year-fixed-open-insured-onTerms changedapr: 10.05 → 10.051
TDtd-1-year-fixed-open-uninsured-onTerms changedapr: 10.05 → 10.051
TDtd-6-month-fixed-closed-insured-onTerms changedapr: 6.223 → 6.224
TDtd-6-month-fixed-closed-uninsured-onTerms changedapr: 5.683 → 5.684
National Bank of Canadanational-bank-3-year-fixed-closed-onRate changed4.74%4.69%
National Bank of Canadanational-bank-3-year-fixed-closed-onTerms changedapr: 4.79 → 4.744.74%4.69%
TDtd-3-year-fixed-closed-uninsured-onTerms changedapr: 4.724 → 4.725
TDtd-6-month-fixed-closed-insured-onTerms changedapr: 6.222 → 6.223
TDtd-6-month-fixed-closed-uninsured-onTerms changedapr: 5.682 → 5.683
TDtd-1-year-fixed-closed-insured-onTerms changedapr: 6.529 → 6.53
TDtd-1-year-fixed-closed-uninsured-onTerms changedapr: 5.589 → 5.59
TDtd-6-month-fixed-closed-insured-onTerms changedapr: 6.221 → 6.222
TDtd-6-month-fixed-closed-uninsured-onTerms changedapr: 5.681 → 5.682
TDtd-6-month-fixed-closed-insured-onTerms changedapr: 6.22 → 6.221
TDtd-6-month-fixed-closed-uninsured-onTerms changedapr: 5.68 → 5.681
TDtd-1-year-fixed-open-insured-onTerms changedapr: 10.049 → 10.05
TDtd-1-year-fixed-open-uninsured-onTerms changedapr: 10.049 → 10.05
TDtd-6-month-fixed-closed-insured-onTerms changedapr: 6.219 → 6.22
TDtd-6-month-fixed-closed-uninsured-onTerms changedapr: 5.679 → 5.68
TDtd-1-year-fixed-closed-uninsured-onTerms changedapr: 5.588 → 5.589
TDtd-6-month-fixed-closed-insured-onTerms changedapr: 6.218 → 6.219
TDtd-6-month-fixed-closed-uninsured-onTerms changedapr: 5.678 → 5.679
TDtd-1-year-fixed-closed-insured-onTerms changedapr: 6.528 → 6.529
TDtd-6-month-fixed-closed-insured-onTerms changedapr: 6.217 → 6.218
TDtd-6-month-fixed-closed-uninsured-onTerms changedapr: 5.677 → 5.678
TDtd-1-year-fixed-open-insured-onTerms changedapr: 10.048 → 10.049
TDtd-1-year-fixed-open-uninsured-onTerms changedapr: 10.048 → 10.049
TDtd-2-year-fixed-closed-insured-onTerms changedapr: 5.92 → 5.921
TDtd-2-year-fixed-closed-uninsured-onTerms changedapr: 4.94 → 4.941
TDtd-6-month-fixed-closed-insured-onTerms changedapr: 6.216 → 6.217
TDtd-6-month-fixed-closed-uninsured-onTerms changedapr: 5.676 → 5.677
TDtd-6-month-fixed-closed-insured-onTerms changedapr: 6.215 → 6.216
TDtd-6-month-fixed-closed-uninsured-onTerms changedapr: 5.675 → 5.676
RBCrbc-3-year-fixed-closed-onRate changed4.74%4.49%
RBCrbc-3-year-fixed-closed-onTerms changedapr: 4.78 → 4.534.74%4.49%
RBCrbc-3-year-fixed-closed-amort-over-25-onProduct added4.59%
National Bank of Canadanational-bank-1-year-fixed-closed-onProduct added5.49%
National Bank of Canadanational-bank-1-year-fixed-open-onProduct added9.65%
National Bank of Canadanational-bank-10-year-fixed-closed-onProduct added6.8%
National Bank of Canadanational-bank-2-year-fixed-closed-onProduct added5.24%
National Bank of Canadanational-bank-3-year-fixed-closed-onProduct added4.74%
National Bank of Canadanational-bank-4-year-fixed-closed-onProduct added4.79%
National Bank of Canadanational-bank-5-year-fixed-closed-onProduct added4.84%
National Bank of Canadanational-bank-5-year-variable-closed-onProduct added4.1%
National Bank of Canadanational-bank-6-month-fixed-closed-onProduct added6.09%
National Bank of Canadanational-bank-6-month-fixed-open-onProduct added9.75%
National Bank of Canadanational-bank-6-year-fixed-closed-onProduct added6.4%
National Bank of Canadanational-bank-7-year-fixed-closed-onProduct added6.4%
Scotiabankscotiabank-1-year-fixed-closed-insured-onProduct added5.49%
Scotiabankscotiabank-1-year-fixed-closed-uninsured-onProduct added5.49%
Scotiabankscotiabank-10-year-fixed-closed-insured-onProduct added6.8%
Scotiabankscotiabank-10-year-fixed-closed-uninsured-onProduct added6.8%
Scotiabankscotiabank-2-year-fixed-closed-insured-onProduct added4.89%
Scotiabankscotiabank-2-year-fixed-closed-uninsured-onProduct added4.89%
Scotiabankscotiabank-3-year-fixed-closed-insured-onProduct added5.95%
Scotiabankscotiabank-3-year-fixed-closed-uninsured-onProduct added5.95%
Scotiabankscotiabank-3-year-variable-closed-onProduct added4.45%
Scotiabankscotiabank-4-year-fixed-closed-insured-onProduct added5.99%
Scotiabankscotiabank-4-year-fixed-closed-uninsured-onProduct added5.99%
Scotiabankscotiabank-5-year-fixed-closed-insured-onProduct added6.09%
Scotiabankscotiabank-5-year-fixed-closed-uninsured-onProduct added6.09%
Scotiabankscotiabank-7-year-fixed-closed-insured-onProduct added6.4%
Scotiabankscotiabank-7-year-fixed-closed-uninsured-onProduct added6.4%
TDtd-1-year-fixed-closed-insured-onProduct added6.43%
TDtd-1-year-fixed-closed-uninsured-onProduct added5.49%
TDtd-1-year-fixed-open-insured-onProduct added9.95%
TDtd-1-year-fixed-open-uninsured-onProduct added9.95%
TDtd-10-year-fixed-closed-insured-onProduct added6.1%
TDtd-10-year-fixed-closed-uninsured-onProduct added6.8%
TDtd-2-year-fixed-closed-insured-onProduct added5.87%
TDtd-2-year-fixed-closed-uninsured-onProduct added4.89%
TDtd-3-year-fixed-closed-insured-onProduct added5.75%
TDtd-3-year-fixed-closed-uninsured-onProduct added4.69%
TDtd-4-year-fixed-closed-insured-onProduct added4.82%
TDtd-4-year-fixed-closed-uninsured-onProduct added5.99%
TDtd-5-year-fixed-closed-insured-onProduct added4.84%
TDtd-5-year-fixed-closed-uninsured-onProduct added4.84%
TDtd-5-year-variable-closed-insured-onProduct added5.05%
TDtd-5-year-variable-closed-uninsured-onProduct added4.29%
TDtd-5-year-variable-open-insured-onProduct added7.75%
TDtd-5-year-variable-open-uninsured-onProduct added7.75%
TDtd-6-month-fixed-closed-insured-onProduct added6.03%
TDtd-6-month-fixed-closed-uninsured-onProduct added5.49%
TDtd-6-year-fixed-closed-insured-onProduct added5.99%
TDtd-6-year-fixed-closed-uninsured-onProduct added6.29%
TDtd-7-year-fixed-closed-insured-onProduct added6.09%
TDtd-7-year-fixed-closed-uninsured-onProduct added6.4%
CIBCcibc-1-year-fixed-closed-onProduct added4.74%
CIBCcibc-10-year-fixed-closed-onProduct added6.79%
CIBCcibc-2-year-fixed-closed-onProduct added4.49%
CIBCcibc-3-year-fixed-closed-onProduct added4.74%
CIBCcibc-4-year-fixed-closed-onProduct added4.89%
CIBCcibc-5-year-fixed-closed-onProduct added4.94%
CIBCcibc-7-year-fixed-closed-onProduct added5.11%
RBCrbc-2-year-fixed-closed-amort-over-25-onProduct added4.89%
RBCrbc-2-year-fixed-closed-onProduct added4.79%
RBCrbc-3-year-fixed-closed-onProduct added4.74%
RBCrbc-4-year-fixed-closed-amort-over-25-onProduct added4.94%
RBCrbc-4-year-fixed-closed-onProduct added4.84%
RBCrbc-5-year-fixed-closed-amort-over-25-onProduct added4.99%
RBCrbc-5-year-fixed-closed-onProduct added4.89%
RBCrbc-1-year-fixed-closed-amort-over-25-onProduct added4.99%
RBCrbc-1-year-fixed-closed-onProduct added4.89%
RBCrbc-7-year-fixed-closed-amort-over-25-onProduct added5.1%
RBCrbc-7-year-fixed-closed-onProduct added5%