2-year fixed mortgage rates in Canada
Every 2-year fixed rate below was collected from the lender's own public rate page. These are advertised rates, not personalised quotes, and eligibility depends on the lender.
The lowest advertised 2-year fixed rate here is 4.49% from CIBC.
| Lender | Rate | Conditions | Last material update | Source |
|---|---|---|---|---|
| CIBC | 4.49%posted | Special offer rate for a fixed-rate closed mortgage.≤ 25-year amortization | View official page ↗ for CIBC 2 years Fixed | |
| RBC | 4.79%posted | Special offer rate, 25 year amortization or less.≤ 25-year amortization | View official page ↗ for RBC 2 years Fixed | |
| RBC | 4.89%posted | Special offer rate for an amortization greater than 25 years.> 25-year amortization | View official page ↗ for RBC 2 years Fixed | |
| Scotiabank | 4.89% | Posted rate for N.H.A. (insured) residential mortgages.Insured | View official page ↗ for Scotiabank 2 years Fixed | |
| Scotiabank | 4.89% | Posted rate for conventional (uninsured) residential mortgages.Uninsured | View official page ↗ for Scotiabank 2 years Fixed | |
| TD | 4.89%posted | Posted rate; no special offer advertised for this product.≤ 30-year amortizationUninsured | View official page ↗ for TD 2 years Fixed | |
| National Bank of Canada | 5.24% | Posted rate; no promotional rate advertised for this term.≤ 25-year amortization | View official page ↗ for National Bank of Canada 2 years Fixed | |
| TD | 5.87%posted | Special offer rate.≤ 25-year amortizationInsured | View official page ↗ for TD 2 years Fixed |
- CIBCFixed2 yearsClosed≤ 25-year amortization
4.49%
posted
5.24%APR 4.51%
Special offer rate for a fixed-rate closed mortgage.
Updated
View official page ↗ - RBCFixed2 yearsClosed≤ 25-year amortization
4.79%
posted
5.39%APR 4.85%
Special offer rate, 25 year amortization or less.
Updated
View official page ↗ - RBCFixed2 yearsClosed> 25-year amortization
4.89%
posted
5.39%APR 4.95%
Special offer rate for an amortization greater than 25 years.
Updated
View official page ↗ - ScotiabankFixed2 yearsClosedInsured
4.89%
Posted rate for N.H.A. (insured) residential mortgages.
Updated
View official page ↗ - ScotiabankFixed2 yearsClosedUninsured
4.89%
Posted rate for conventional (uninsured) residential mortgages.
Updated
View official page ↗ - TDFixed2 yearsClosedUninsured≤ 30-year amortization
4.89%
posted
4.89%APR 4.941%
Posted rate; no special offer advertised for this product.
Updated
View official page ↗ - National Bank of CanadaFixed2 yearsClosed≤ 25-year amortization
5.24%
Posted rate; no promotional rate advertised for this term.
Updated
View official page ↗ - TDFixed2 yearsClosedInsured≤ 25-year amortization
5.87%
posted
4.89%APR 5.921%
Special offer rate.
Updated
View official page ↗
Rates on this page were last published 31 Aug 2026, 18:40 UTC.