4-year fixed mortgage rates in Canada
Every 4-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 4-year fixed rate here is 4.82% from TD.
| Lender | Rate | Conditions | Last material update | Source |
|---|---|---|---|---|
| TD | 4.82%posted | Special offer rate.≤ 25-year amortizationInsured | View official page ↗ for TD 4 years Fixed | |
| RBC | 4.84%posted | Special offer rate, 25 year amortization or less.≤ 25-year amortization | View official page ↗ for RBC 4 years Fixed | |
| RBC | 4.94%posted | Special offer rate for an amortization greater than 25 years.> 25-year amortization | View official page ↗ for RBC 4 years Fixed | |
| National Bank of Canada | 5.04%posted | Promotional fixed closed rate.≤ 25-year amortization | View official page ↗ for National Bank of Canada 4 years Fixed | |
| CIBC | 5.24%posted | Special offer rate for a fixed-rate closed mortgage.≤ 25-year amortization | View official page ↗ for CIBC 4 years Fixed | |
| TD | 5.99%posted | Posted rate; no special offer advertised for this product.≤ 30-year amortizationUninsured | View official page ↗ for TD 4 years Fixed | |
| Scotiabank | 6.09% | Posted rate for N.H.A. (insured) residential mortgages.Insured | View official page ↗ for Scotiabank 4 years Fixed | |
| Scotiabank | 6.09% | Posted rate for conventional (uninsured) residential mortgages.Uninsured | View official page ↗ for Scotiabank 4 years Fixed |
- TDFixed4 yearsClosedInsured≤ 25-year amortization
4.82%
posted
5.99%APR 4.846%
Special offer rate.
Updated
View official page ↗ - RBCFixed4 yearsClosed≤ 25-year amortization
4.84%
posted
5.99%APR 4.87%
Special offer rate, 25 year amortization or less.
Updated
View official page ↗ - RBCFixed4 yearsClosed> 25-year amortization
4.94%
posted
5.99%APR 4.97%
Special offer rate for an amortization greater than 25 years.
Updated
View official page ↗ - National Bank of CanadaFixed4 yearsClosed≤ 25-year amortization
5.04%
posted
6.05%APR 5.08%
Promotional fixed closed rate.
Updated
View official page ↗ - CIBCFixed4 yearsClosed≤ 25-year amortization
5.24%
posted
6.19%APR 5.26%
Special offer rate for a fixed-rate closed mortgage.
Updated
View official page ↗ - TDFixed4 yearsClosedUninsured≤ 30-year amortization
5.99%
posted
5.99%APR 6.016%
Posted rate; no special offer advertised for this product.
Updated
View official page ↗ - ScotiabankFixed4 yearsClosedInsured
6.09%
Posted rate for N.H.A. (insured) residential mortgages.
Updated
View official page ↗ - ScotiabankFixed4 yearsClosedUninsured
6.09%
Posted rate for conventional (uninsured) residential mortgages.
Updated
View official page ↗
Rates on this page were last published 15 Oct 2026, 16:11 UTC.