Compare advertised mortgage rates
Every rate below was collected from the lender's own public rate page. Rates are advertised rates, not personalised quotes.
The lowest advertised rate is not automatically available to every borrower. Eligibility depends on the lender's underwriting.
Filters
64 products
Est. payment
Principal and interest only.
| Lender | Rate | Est. payment25-year amortization | Type | Term | Conditions | Last material update | Source |
|---|---|---|---|---|---|---|---|
| National Bank of Canada | 4.1%APR 4.14% | $2,657per month | Variable | 5 yearsClosed | Promotional variable closed rate.≤ 25-year amortization | Official page ↗ for National Bank of Canada 5 years Variable | |
| TD | 4.24%posted | $2,696per month | Variable | 5 yearsClosed | Special offer rate.≤ 25-year amortizationUninsured | Official page ↗ for TD 5 years Variable | |
| Scotiabank | 4.45% | $2,753per month | Variable | 3 yearsClosed | Posted rate for the Scotia Ultimate Variable Rate Mortgage. | Official page ↗ for Scotiabank 3 years Variable | |
| CIBC | 4.49%posted | $2,765per month | Fixed | 2 yearsClosed | Special offer rate for a fixed-rate closed mortgage.≤ 25-year amortization | Official page ↗ for CIBC 2 years Fixed | |
| RBC | 4.49%posted | $2,765per month | Fixed | 3 yearsClosed | Special offer rate, 25 year amortization or less.≤ 25-year amortization | Official page ↗ for RBC 3 years Fixed | |
| National Bank of Canada | 4.64%posted | $2,806per month | Fixed | 3 yearsClosed | Promotional fixed closed rate.≤ 25-year amortization | Official page ↗ for National Bank of Canada 3 years Fixed | |
| TD | 4.64%posted | $2,806per month | Fixed | 3 yearsClosed | Special offer rate.≤ 25-year amortizationUninsured | Official page ↗ for TD 3 years Fixed | |
| CIBC | 4.74%posted | $2,834per month | Fixed | 1 yearClosed | Special offer rate for a fixed-rate closed mortgage.≤ 25-year amortization | Official page ↗ for CIBC 1 year Fixed | |
| CIBC | 4.74%posted | $2,834per month | Fixed | 3 yearsClosed | Special offer rate for a fixed-rate closed mortgage.≤ 25-year amortization | Official page ↗ for CIBC 3 years Fixed | |
| National Bank of Canada | 4.79%posted | $2,849per month | Fixed | 4 yearsClosed | Promotional fixed closed rate.≤ 25-year amortization | Official page ↗ for National Bank of Canada 4 years Fixed | |
| RBC | 4.79%posted | $2,849per month | Fixed | 2 yearsClosed | Special offer rate, 25 year amortization or less.≤ 25-year amortization | Official page ↗ for RBC 2 years Fixed | |
| TD | 4.82%posted | $2,857per month | Fixed | 4 yearsClosed | Special offer rate.≤ 25-year amortizationInsured | Official page ↗ for TD 4 years Fixed | |
| National Bank of Canada | 4.84%posted | $2,863per month | Fixed | 5 yearsClosed | Promotional fixed closed rate.≤ 25-year amortization | Official page ↗ for National Bank of Canada 5 years Fixed | |
| RBC | 4.84%posted | $2,863per month | Fixed | 4 yearsClosed | Special offer rate, 25 year amortization or less.≤ 25-year amortization | Official page ↗ for RBC 4 years Fixed | |
| TD | 4.84%posted | $2,863per month | Fixed | 5 yearsClosed | Special offer rate.≤ 25-year amortizationInsured | Official page ↗ for TD 5 years Fixed | |
| TD | 4.84%posted | $2,863per month | Fixed | 5 yearsClosed | Special offer rate.≤ 25-year amortizationUninsured | Official page ↗ for TD 5 years Fixed | |
| CIBC | 4.89%posted | $2,877per month | Fixed | 4 yearsClosed | Special offer rate for a fixed-rate closed mortgage.≤ 25-year amortization | Official page ↗ for CIBC 4 years Fixed | |
| RBC | 4.89%posted | $2,877per month | Fixed | 1 yearClosed | Special offer rate, 25 year amortization or less.≤ 25-year amortization | Official page ↗ for RBC 1 year Fixed | |
| RBC | 4.89%posted | $2,877per month | Fixed | 5 yearsClosed | Special offer rate, 25 year amortization or less.≤ 25-year amortization | Official page ↗ for RBC 5 years Fixed | |
| Scotiabank | 4.89% | $2,877per month | Fixed | 2 yearsClosed | Posted rate for N.H.A. (insured) residential mortgages.Insured | Official page ↗ for Scotiabank 2 years Fixed | |
| Scotiabank | 4.89% | $2,877per month | Fixed | 2 yearsClosed | Posted rate for conventional (uninsured) residential mortgages.Uninsured | Official page ↗ for Scotiabank 2 years Fixed | |
| TD | 4.89%posted | $2,877per month | Fixed | 2 yearsClosed | Posted rate; no special offer advertised for this product.≤ 30-year amortizationUninsured | Official page ↗ for TD 2 years Fixed | |
| CIBC | 4.94%posted | $2,891per month | Fixed | 5 yearsClosed | Special offer rate for a fixed-rate closed mortgage.≤ 25-year amortization | Official page ↗ for CIBC 5 years Fixed | |
| RBC | 5%posted | $2,908per month | Fixed | 7 yearsClosed | Special offer rate, 25 year amortization or less.≤ 25-year amortization | Official page ↗ for RBC 7 years Fixed | |
| TD | 5%posted | $2,908per month | Variable | 5 yearsClosed | Special offer rate.≤ 25-year amortizationInsured | Official page ↗ for TD 5 years Variable | |
| CIBC | 5.11%posted | $2,939per month | Fixed | 7 yearsClosed | Special offer rate for a fixed-rate closed mortgage.≤ 25-year amortization | Official page ↗ for CIBC 7 years Fixed | |
| National Bank of Canada | 5.24% | $2,977per month | Fixed | 2 yearsClosed | Posted rate; no promotional rate advertised for this term.≤ 25-year amortization | Official page ↗ for National Bank of Canada 2 years Fixed | |
| National Bank of Canada | 5.49% | $3,049per month | Fixed | 1 yearClosed | Posted rate; no promotional rate advertised for this term.≤ 25-year amortization | Official page ↗ for National Bank of Canada 1 year Fixed | |
| Scotiabank | 5.49% | $3,049per month | Fixed | 1 yearClosed | Posted rate for N.H.A. (insured) residential mortgages.Insured | Official page ↗ for Scotiabank 1 year Fixed | |
| Scotiabank | 5.49% | $3,049per month | Fixed | 1 yearClosed | Posted rate for conventional (uninsured) residential mortgages.Uninsured | Official page ↗ for Scotiabank 1 year Fixed | |
| TD | 5.49%posted | $3,049per month | Fixed | 6 monthsClosed | Posted rate; no special offer advertised for this product.≤ 30-year amortizationUninsured | Official page ↗ for TD 6 months Fixed | |
| TD | 5.49%posted | $3,049per month | Fixed | 1 yearClosed | Posted rate; no special offer advertised for this product.≤ 30-year amortizationUninsured | Official page ↗ for TD 1 year Fixed | |
| TD | 5.7%posted | $3,110per month | Fixed | 3 yearsClosed | Special offer rate.≤ 25-year amortizationInsured | Official page ↗ for TD 3 years Fixed | |
| TD | 5.87%posted | $3,161per month | Fixed | 2 yearsClosed | Special offer rate.≤ 25-year amortizationInsured | Official page ↗ for TD 2 years Fixed | |
| Scotiabank | 5.95% | $3,184per month | Fixed | 3 yearsClosed | Posted rate for N.H.A. (insured) residential mortgages.Insured | Official page ↗ for Scotiabank 3 years Fixed | |
| Scotiabank | 5.95% | $3,184per month | Fixed | 3 yearsClosed | Posted rate for conventional (uninsured) residential mortgages.Uninsured | Official page ↗ for Scotiabank 3 years Fixed | |
| Scotiabank | 5.99% | $3,196per month | Fixed | 4 yearsClosed | Posted rate for N.H.A. (insured) residential mortgages.Insured | Official page ↗ for Scotiabank 4 years Fixed | |
| Scotiabank | 5.99% | $3,196per month | Fixed | 4 yearsClosed | Posted rate for conventional (uninsured) residential mortgages.Uninsured | Official page ↗ for Scotiabank 4 years Fixed | |
| TD | 5.99%posted | $3,196per month | Fixed | 4 yearsClosed | Posted rate; no special offer advertised for this product.≤ 30-year amortizationUninsured | Official page ↗ for TD 4 years Fixed | |
| TD | 5.99%posted | $3,196per month | Fixed | 6 yearsClosed | Special offer rate.≤ 25-year amortizationInsured | Official page ↗ for TD 6 years Fixed | |
| TD | 6.03%posted | $3,208per month | Fixed | 6 monthsClosed | Special offer rate.≤ 25-year amortizationInsured | Official page ↗ for TD 6 months Fixed | |
| National Bank of Canada | 6.09% | $3,226per month | Fixed | 6 monthsClosed | Posted rate; no promotional rate advertised for this term.≤ 25-year amortization | Official page ↗ for National Bank of Canada 6 months Fixed | |
| Scotiabank | 6.09% | $3,226per month | Fixed | 5 yearsClosed | Posted rate for N.H.A. (insured) residential mortgages.Insured | Official page ↗ for Scotiabank 5 years Fixed | |
| Scotiabank | 6.09% | $3,226per month | Fixed | 5 yearsClosed | Posted rate for conventional (uninsured) residential mortgages.Uninsured | Official page ↗ for Scotiabank 5 years Fixed | |
| TD | 6.09%posted | $3,226per month | Fixed | 7 yearsClosed | Special offer rate.≤ 25-year amortizationInsured | Official page ↗ for TD 7 years Fixed | |
| TD | 6.1%posted | $3,229per month | Fixed | 10 yearsClosed | Special offer rate.≤ 25-year amortizationInsured | Official page ↗ for TD 10 years Fixed | |
| TD | 6.29%posted | $3,286per month | Fixed | 6 yearsClosed | Posted rate; no special offer advertised for this product.≤ 30-year amortizationUninsured | Official page ↗ for TD 6 years Fixed | |
| National Bank of Canada | 6.4% | $3,319per month | Fixed | 6 yearsClosed | Posted rate; no promotional rate advertised for this term.≤ 25-year amortization | Official page ↗ for National Bank of Canada 6 years Fixed | |
| National Bank of Canada | 6.4% | $3,319per month | Fixed | 7 yearsClosed | Posted rate; no promotional rate advertised for this term.≤ 25-year amortization | Official page ↗ for National Bank of Canada 7 years Fixed | |
| Scotiabank | 6.4% | $3,319per month | Fixed | 7 yearsClosed | Posted rate for N.H.A. (insured) residential mortgages.Insured | Official page ↗ for Scotiabank 7 years Fixed | |
| Scotiabank | 6.4% | $3,319per month | Fixed | 7 yearsClosed | Posted rate for conventional (uninsured) residential mortgages.Uninsured | Official page ↗ for Scotiabank 7 years Fixed | |
| TD | 6.4%posted | $3,319per month | Fixed | 7 yearsClosed | Posted rate; no special offer advertised for this product.≤ 30-year amortizationUninsured | Official page ↗ for TD 7 years Fixed | |
| TD | 6.43%posted | $3,328per month | Fixed | 1 yearClosed | Special offer rate.≤ 25-year amortizationInsured | Official page ↗ for TD 1 year Fixed | |
| CIBC | 6.79% | $3,437per month | Fixed | 10 yearsClosed | Posted rate; no special offer advertised for this term.≤ 25-year amortization | Official page ↗ for CIBC 10 years Fixed | |
| National Bank of Canada | 6.8% | $3,441per month | Fixed | 10 yearsClosed | Posted rate; no promotional rate advertised for this term.≤ 25-year amortization | Official page ↗ for National Bank of Canada 10 years Fixed | |
| Scotiabank | 6.8% | $3,441per month | Fixed | 10 yearsClosed | Posted rate for N.H.A. (insured) residential mortgages.Insured | Official page ↗ for Scotiabank 10 years Fixed | |
| Scotiabank | 6.8% | $3,441per month | Fixed | 10 yearsClosed | Posted rate for conventional (uninsured) residential mortgages.Uninsured | Official page ↗ for Scotiabank 10 years Fixed | |
| TD | 6.8%posted | $3,441per month | Fixed | 10 yearsClosed | Posted rate; no special offer advertised for this product.≤ 30-year amortizationUninsured | Official page ↗ for TD 10 years Fixed | |
| TD | 7.75%posted | $3,737per month | Variable | 5 yearsOpen | Special offer rate.≤ 25-year amortizationInsured | Official page ↗ for TD 5 years Variable | |
| TD | 7.75%posted | $3,737per month | Variable | 5 yearsOpen | Special offer rate.≤ 25-year amortizationUninsured | Official page ↗ for TD 5 years Variable | |
| National Bank of Canada | 9.65% | $4,355per month | Fixed | 1 yearOpen | Posted rate; no promotional rate advertised for this term.≤ 25-year amortization | Official page ↗ for National Bank of Canada 1 year Fixed | |
| National Bank of Canada | 9.75% | $4,389per month | Fixed | 6 monthsOpen | Posted rate; no promotional rate advertised for this term.≤ 25-year amortization | Official page ↗ for National Bank of Canada 6 months Fixed | |
| TD | 9.95%posted | $4,456per month | Fixed | 1 yearOpen | Special offer rate.≤ 25-year amortizationInsured | Official page ↗ for TD 1 year Fixed | |
| TD | 9.95%posted | $4,456per month | Fixed | 1 yearOpen | Posted rate; no special offer advertised for this product.≤ 30-year amortizationUninsured | Official page ↗ for TD 1 year Fixed |
- National Bank of CanadaVariable5 yearsClosed≤ 25-year amortization
4.1%
APR 4.14%
$2,657 per month · $500,000, 25-year amortization
Promotional variable closed rate.
Updated
Official page ↗ - TDVariable5 yearsClosedUninsured≤ 25-year amortization
4.24%
posted
4.6%APR 4.261%
$2,696 per month · $500,000, 25-year amortization
Special offer rate.
Updated
Official page ↗ - ScotiabankVariable3 yearsClosed
4.45%
$2,753 per month · $500,000, 25-year amortization
Posted rate for the Scotia Ultimate Variable Rate Mortgage.
Updated
Official page ↗ - CIBCFixed2 yearsClosed≤ 25-year amortization
4.49%
posted
5.24%APR 4.51%
$2,765 per month · $500,000, 25-year amortization
Special offer rate for a fixed-rate closed mortgage.
Updated
Official page ↗ - RBCFixed3 yearsClosed≤ 25-year amortization
4.49%
posted
6.05%APR 4.53%
$2,765 per month · $500,000, 25-year amortization
Special offer rate, 25 year amortization or less.
Updated
Official page ↗ - National Bank of CanadaFixed3 yearsClosed≤ 25-year amortization
4.64%
posted
6.05%APR 4.69%
$2,806 per month · $500,000, 25-year amortization
Promotional fixed closed rate.
Updated
Official page ↗ - TDFixed3 yearsClosedUninsured≤ 25-year amortization
4.64%
posted
6.05%APR 4.675%
$2,806 per month · $500,000, 25-year amortization
Special offer rate.
Updated
Official page ↗ - CIBCFixed1 yearClosed≤ 25-year amortization
4.74%
posted
4.99%APR 4.76%
$2,834 per month · $500,000, 25-year amortization
Special offer rate for a fixed-rate closed mortgage.
Updated
Official page ↗ - CIBCFixed3 yearsClosed≤ 25-year amortization
4.74%
posted
6.14%APR 4.76%
$2,834 per month · $500,000, 25-year amortization
Special offer rate for a fixed-rate closed mortgage.
Updated
Official page ↗ - National Bank of CanadaFixed4 yearsClosed≤ 25-year amortization
4.79%
posted
5.99%APR 4.83%
$2,849 per month · $500,000, 25-year amortization
Promotional fixed closed rate.
Updated
Official page ↗ - RBCFixed2 yearsClosed≤ 25-year amortization
4.79%
posted
5.39%APR 4.85%
$2,849 per month · $500,000, 25-year amortization
Special offer rate, 25 year amortization or less.
Updated
Official page ↗ - TDFixed4 yearsClosedInsured≤ 25-year amortization
4.82%
posted
5.99%APR 4.846%
$2,857 per month · $500,000, 25-year amortization
Special offer rate.
Updated
Official page ↗ - National Bank of CanadaFixed5 yearsClosed≤ 25-year amortization
4.84%
posted
6.09%APR 4.88%
$2,863 per month · $500,000, 25-year amortization
Promotional fixed closed rate.
Updated
Official page ↗ - RBCFixed4 yearsClosed≤ 25-year amortization
4.84%
posted
5.99%APR 4.87%
$2,863 per month · $500,000, 25-year amortization
Special offer rate, 25 year amortization or less.
Updated
Official page ↗ - TDFixed5 yearsClosedInsured≤ 25-year amortization
4.84%
posted
6.09%APR 4.861%
$2,863 per month · $500,000, 25-year amortization
Special offer rate.
Updated
Official page ↗ - TDFixed5 yearsClosedUninsured≤ 25-year amortization
4.84%
posted
6.09%APR 4.861%
$2,863 per month · $500,000, 25-year amortization
Special offer rate.
Updated
Official page ↗ - CIBCFixed4 yearsClosed≤ 25-year amortization
4.89%
posted
6.19%APR 4.91%
$2,877 per month · $500,000, 25-year amortization
Special offer rate for a fixed-rate closed mortgage.
Updated
Official page ↗ - RBCFixed1 yearClosed≤ 25-year amortization
4.89%
posted
5.49%APR 5.02%
$2,877 per month · $500,000, 25-year amortization
Special offer rate, 25 year amortization or less.
Updated
Official page ↗ - RBCFixed5 yearsClosed≤ 25-year amortization
4.89%
posted
6.09%APR 4.92%
$2,877 per month · $500,000, 25-year amortization
Special offer rate, 25 year amortization or less.
Updated
Official page ↗ - ScotiabankFixed2 yearsClosedInsured
4.89%
$2,877 per month · $500,000, 25-year amortization
Posted rate for N.H.A. (insured) residential mortgages.
Updated
Official page ↗ - ScotiabankFixed2 yearsClosedUninsured
4.89%
$2,877 per month · $500,000, 25-year amortization
Posted rate for conventional (uninsured) residential mortgages.
Updated
Official page ↗ - TDFixed2 yearsClosedUninsured≤ 30-year amortization
4.89%
posted
4.89%APR 4.941%
$2,877 per month · $500,000, 25-year amortization
Posted rate; no special offer advertised for this product.
Updated
Official page ↗ - CIBCFixed5 yearsClosed≤ 25-year amortization
4.94%
posted
6.49%APR 4.96%
$2,891 per month · $500,000, 25-year amortization
Special offer rate for a fixed-rate closed mortgage.
Updated
Official page ↗ - RBCFixed7 yearsClosed≤ 25-year amortization
5%
posted
6.4%APR 5.02%
$2,908 per month · $500,000, 25-year amortization
Special offer rate, 25 year amortization or less.
Updated
Official page ↗ - TDVariable5 yearsClosedInsured≤ 25-year amortization
5%
posted
4.6%APR 5.021%
$2,908 per month · $500,000, 25-year amortization
Special offer rate.
Updated
Official page ↗ - CIBCFixed7 yearsClosed≤ 25-year amortization
5.11%
posted
6.3%APR 5.13%
$2,939 per month · $500,000, 25-year amortization
Special offer rate for a fixed-rate closed mortgage.
Updated
Official page ↗ - National Bank of CanadaFixed2 yearsClosed≤ 25-year amortization
5.24%
$2,977 per month · $500,000, 25-year amortization
Posted rate; no promotional rate advertised for this term.
Updated
Official page ↗ - National Bank of CanadaFixed1 yearClosed≤ 25-year amortization
5.49%
$3,049 per month · $500,000, 25-year amortization
Posted rate; no promotional rate advertised for this term.
Updated
Official page ↗ - ScotiabankFixed1 yearClosedInsured
5.49%
$3,049 per month · $500,000, 25-year amortization
Posted rate for N.H.A. (insured) residential mortgages.
Updated
Official page ↗ - ScotiabankFixed1 yearClosedUninsured
5.49%
$3,049 per month · $500,000, 25-year amortization
Posted rate for conventional (uninsured) residential mortgages.
Updated
Official page ↗ - TDFixed6 monthsClosedUninsured≤ 30-year amortization
5.49%
posted
5.49%APR 5.694%
$3,049 per month · $500,000, 25-year amortization
Posted rate; no special offer advertised for this product.
Updated
Official page ↗ - TDFixed1 yearClosedUninsured≤ 30-year amortization
5.49%
posted
5.49%APR 5.592%
$3,049 per month · $500,000, 25-year amortization
Posted rate; no special offer advertised for this product.
Updated
Official page ↗ - TDFixed3 yearsClosedInsured≤ 25-year amortization
5.7%
posted
6.05%APR 5.735%
$3,110 per month · $500,000, 25-year amortization
Special offer rate.
Updated
Official page ↗ - TDFixed2 yearsClosedInsured≤ 25-year amortization
5.87%
posted
4.89%APR 5.921%
$3,161 per month · $500,000, 25-year amortization
Special offer rate.
Updated
Official page ↗ - ScotiabankFixed3 yearsClosedInsured
5.95%
$3,184 per month · $500,000, 25-year amortization
Posted rate for N.H.A. (insured) residential mortgages.
Updated
Official page ↗ - ScotiabankFixed3 yearsClosedUninsured
5.95%
$3,184 per month · $500,000, 25-year amortization
Posted rate for conventional (uninsured) residential mortgages.
Updated
Official page ↗ - ScotiabankFixed4 yearsClosedInsured
5.99%
$3,196 per month · $500,000, 25-year amortization
Posted rate for N.H.A. (insured) residential mortgages.
Updated
Official page ↗ - ScotiabankFixed4 yearsClosedUninsured
5.99%
$3,196 per month · $500,000, 25-year amortization
Posted rate for conventional (uninsured) residential mortgages.
Updated
Official page ↗ - TDFixed4 yearsClosedUninsured≤ 30-year amortization
5.99%
posted
5.99%APR 6.016%
$3,196 per month · $500,000, 25-year amortization
Posted rate; no special offer advertised for this product.
Updated
Official page ↗ - TDFixed6 yearsClosedInsured≤ 25-year amortization
5.99%
posted
6.29%APR 6.008%
$3,196 per month · $500,000, 25-year amortization
Special offer rate.
Updated
Official page ↗ - TDFixed6 monthsClosedInsured≤ 25-year amortization
6.03%
posted
5.49%APR 6.234%
$3,208 per month · $500,000, 25-year amortization
Special offer rate.
Updated
Official page ↗ - National Bank of CanadaFixed6 monthsClosed≤ 25-year amortization
6.09%
$3,226 per month · $500,000, 25-year amortization
Posted rate; no promotional rate advertised for this term.
Updated
Official page ↗ - ScotiabankFixed5 yearsClosedInsured
6.09%
$3,226 per month · $500,000, 25-year amortization
Posted rate for N.H.A. (insured) residential mortgages.
Updated
Official page ↗ - ScotiabankFixed5 yearsClosedUninsured
6.09%
$3,226 per month · $500,000, 25-year amortization
Posted rate for conventional (uninsured) residential mortgages.
Updated
Official page ↗ - TDFixed7 yearsClosedInsured≤ 25-year amortization
6.09%
posted
6.4%APR 6.106%
$3,226 per month · $500,000, 25-year amortization
Special offer rate.
Updated
Official page ↗ - TDFixed10 yearsClosedInsured≤ 25-year amortization
6.1%
posted
6.8%APR 6.111%
$3,229 per month · $500,000, 25-year amortization
Special offer rate.
Updated
Official page ↗ - TDFixed6 yearsClosedUninsured≤ 30-year amortization
6.29%
posted
6.29%APR 6.308%
$3,286 per month · $500,000, 25-year amortization
Posted rate; no special offer advertised for this product.
Updated
Official page ↗ - National Bank of CanadaFixed6 yearsClosed≤ 25-year amortization
6.4%
$3,319 per month · $500,000, 25-year amortization
Posted rate; no promotional rate advertised for this term.
Updated
Official page ↗ - National Bank of CanadaFixed7 yearsClosed≤ 25-year amortization
6.4%
$3,319 per month · $500,000, 25-year amortization
Posted rate; no promotional rate advertised for this term.
Updated
Official page ↗ - ScotiabankFixed7 yearsClosedInsured
6.4%
$3,319 per month · $500,000, 25-year amortization
Posted rate for N.H.A. (insured) residential mortgages.
Updated
Official page ↗ - ScotiabankFixed7 yearsClosedUninsured
6.4%
$3,319 per month · $500,000, 25-year amortization
Posted rate for conventional (uninsured) residential mortgages.
Updated
Official page ↗ - TDFixed7 yearsClosedUninsured≤ 30-year amortization
6.4%
posted
6.4%APR 6.415%
$3,319 per month · $500,000, 25-year amortization
Posted rate; no special offer advertised for this product.
Updated
Official page ↗ - TDFixed1 yearClosedInsured≤ 25-year amortization
6.43%
posted
5.49%APR 6.532%
$3,328 per month · $500,000, 25-year amortization
Special offer rate.
Updated
Official page ↗ - CIBCFixed10 yearsClosed≤ 25-year amortization
6.79%
$3,437 per month · $500,000, 25-year amortization
Posted rate; no special offer advertised for this term.
Updated
Official page ↗ - National Bank of CanadaFixed10 yearsClosed≤ 25-year amortization
6.8%
$3,441 per month · $500,000, 25-year amortization
Posted rate; no promotional rate advertised for this term.
Updated
Official page ↗ - ScotiabankFixed10 yearsClosedInsured
6.8%
$3,441 per month · $500,000, 25-year amortization
Posted rate for N.H.A. (insured) residential mortgages.
Updated
Official page ↗ - ScotiabankFixed10 yearsClosedUninsured
6.8%
$3,441 per month · $500,000, 25-year amortization
Posted rate for conventional (uninsured) residential mortgages.
Updated
Official page ↗ - TDFixed10 yearsClosedUninsured≤ 30-year amortization
6.8%
posted
6.8%APR 6.811%
$3,441 per month · $500,000, 25-year amortization
Posted rate; no special offer advertised for this product.
Updated
Official page ↗ - TDVariable5 yearsOpenInsured≤ 25-year amortization
7.75%
posted
4.6%APR 7.771%
$3,737 per month · $500,000, 25-year amortization
Special offer rate.
Updated
Official page ↗ - TDVariable5 yearsOpenUninsured≤ 25-year amortization
7.75%
posted
4.6%APR 7.771%
$3,737 per month · $500,000, 25-year amortization
Special offer rate.
Updated
Official page ↗ - National Bank of CanadaFixed1 yearOpen≤ 25-year amortization
9.65%
$4,355 per month · $500,000, 25-year amortization
Posted rate; no promotional rate advertised for this term.
Updated
Official page ↗ - National Bank of CanadaFixed6 monthsOpen≤ 25-year amortization
9.75%
$4,389 per month · $500,000, 25-year amortization
Posted rate; no promotional rate advertised for this term.
Updated
Official page ↗ - TDFixed1 yearOpenInsured≤ 25-year amortization
9.95%
posted
9.95%APR 10.052%
$4,456 per month · $500,000, 25-year amortization
Special offer rate.
Updated
Official page ↗ - TDFixed1 yearOpenUninsured≤ 30-year amortization
9.95%
posted
9.95%APR 10.052%
$4,456 per month · $500,000, 25-year amortization
Posted rate; no special offer advertised for this product.
Updated
Official page ↗
What this table does not show
There is no province filter because it would not do anything. Every lender we currently collect publishes a single national rate table with no province selector, so all products below are advertised nationally and identical for every province. A province filter will appear here automatically if we ever collect a lender that restricts a product to certain provinces. This reflects what the lenders publish — it is not a promise that terms are identical everywhere, so confirm with the lender.
The lenders we collect publish one rate table that is not labelled by transaction type, so we record every product as a purchase and there is nothing to filter on. Renewal, switch and refinance rates are typically quoted individually rather than advertised publicly — ask the lender.
None of these lenders advertise cash back on their public mortgage rate pages, so the cash back column is empty. Cash-back mortgage offers, where they exist, are promoted separately.
The estimated payment is arithmetic on the advertised rate, not a quote. It covers principal and interest only — property tax, insurance, condo fees and closing costs are not in it — and it assumes the rate lasts the whole amortization, which it does not: a closed term is repriced at renewal, and a variable rate moves with prime before then. Ranking by payment is the same as ranking by rate, so it tells you nothing the rate column does not.
Amortization changes the payment, and past 25 years it changes which rates you can have at all — so it is a control here, and each rate is labelled with the amortization its lender ties it to. RBC splits its special offers at 25 years and charges 0.10 more above it; both sets are collected. TD's specials stop at 25 years while its posted rates run to 30. CIBC heads every table "Amortizations 25 years or less", and National Bank says its rates may differ past 25. Choose an amortization a lender has ruled out and its rows leave the table, because pricing them would quote a rate the lender has said in writing you cannot have. Scotiabank alone states nothing; its rows stay, marked, and their payments are a floor rather than a quote.