3-year fixed mortgage rates in Canada
Every 3-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 3-year fixed rate here is 4.49% from RBC.
| Lender | Rate | Conditions | Last material update | Source |
|---|---|---|---|---|
| RBC | 4.49%posted | Special offer rate, 25 year amortization or less.≤ 25-year amortization | View official page ↗ for RBC 3 years Fixed | |
| RBC | 4.59%posted | Special offer rate for an amortization greater than 25 years.> 25-year amortization | View official page ↗ for RBC 3 years Fixed | |
| National Bank of Canada | 4.94%posted | Promotional fixed closed rate.≤ 25-year amortization | View official page ↗ for National Bank of Canada 3 years Fixed | |
| CIBC | 5.09%posted | Special offer rate for a fixed-rate closed mortgage.≤ 25-year amortization | View official page ↗ for CIBC 3 years Fixed | |
| TD | 5.24%posted | Special offer rate.≤ 25-year amortizationUninsured | View official page ↗ for TD 3 years Fixed | |
| Scotiabank | 6.05% | Posted rate for N.H.A. (insured) residential mortgages.Insured | View official page ↗ for Scotiabank 3 years Fixed | |
| Scotiabank | 6.05% | Posted rate for conventional (uninsured) residential mortgages.Uninsured | View official page ↗ for Scotiabank 3 years Fixed | |
| TD | 6.3%posted | Special offer rate.≤ 25-year amortizationInsured | View official page ↗ for TD 3 years Fixed |
- RBCFixed3 yearsClosed≤ 25-year amortization
4.49%
posted
6.05%APR 4.53%
Special offer rate, 25 year amortization or less.
Updated
View official page ↗ - RBCFixed3 yearsClosed> 25-year amortization
4.59%
posted
6.05%APR 4.63%
Special offer rate for an amortization greater than 25 years.
Updated
View official page ↗ - National Bank of CanadaFixed3 yearsClosed≤ 25-year amortization
4.94%
posted
6.09%APR 4.99%
Promotional fixed closed rate.
Updated
View official page ↗ - CIBCFixed3 yearsClosed≤ 25-year amortization
5.09%
posted
6.14%APR 5.11%
Special offer rate for a fixed-rate closed mortgage.
Updated
View official page ↗ - TDFixed3 yearsClosedUninsured≤ 25-year amortization
5.24%
posted
6.15%APR 5.274%
Special offer rate.
Updated
View official page ↗ - ScotiabankFixed3 yearsClosedInsured
6.05%
Posted rate for N.H.A. (insured) residential mortgages.
Updated
View official page ↗ - ScotiabankFixed3 yearsClosedUninsured
6.05%
Posted rate for conventional (uninsured) residential mortgages.
Updated
View official page ↗ - TDFixed3 yearsClosedInsured≤ 25-year amortization
6.3%
posted
6.15%APR 6.334%
Special offer rate.
Updated
View official page ↗
Rates on this page were last published 15 Oct 2026, 16:11 UTC.