5-year fixed mortgage rates in Canada
Every 5-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 5-year fixed rate here is 4.89% from RBC.
| Lender | Rate | Conditions | Last material update | Source |
|---|---|---|---|---|
| RBC | 4.89%posted | Special offer rate, 25 year amortization or less.≤ 25-year amortization | View official page ↗ for RBC 5 years Fixed | |
| RBC | 4.99%posted | Special offer rate for an amortization greater than 25 years.> 25-year amortization | View official page ↗ for RBC 5 years Fixed | |
| National Bank of Canada | 5.04%posted | Promotional fixed closed rate.≤ 25-year amortization | View official page ↗ for National Bank of Canada 5 years Fixed | |
| CIBC | 5.34%posted | Special offer rate for a fixed-rate closed mortgage.≤ 25-year amortization | View official page ↗ for CIBC 5 years Fixed | |
| TD | 5.39%posted | Special offer rate.≤ 25-year amortizationInsured | View official page ↗ for TD 5 years Fixed | |
| TD | 5.39%posted | Special offer rate.≤ 25-year amortizationUninsured | View official page ↗ for TD 5 years Fixed | |
| Scotiabank | 6.19% | Posted rate for N.H.A. (insured) residential mortgages.Insured | View official page ↗ for Scotiabank 5 years Fixed | |
| Scotiabank | 6.19% | Posted rate for conventional (uninsured) residential mortgages.Uninsured | View official page ↗ for Scotiabank 5 years Fixed |
- RBCFixed5 yearsClosed≤ 25-year amortization
4.89%
posted
6.09%APR 4.92%
Special offer rate, 25 year amortization or less.
Updated
View official page ↗ - RBCFixed5 yearsClosed> 25-year amortization
4.99%
posted
6.09%APR 5.02%
Special offer rate for an amortization greater than 25 years.
Updated
View official page ↗ - National Bank of CanadaFixed5 yearsClosed≤ 25-year amortization
5.04%
posted
6.14%APR 5.08%
Promotional fixed closed rate.
Updated
View official page ↗ - CIBCFixed5 yearsClosed≤ 25-year amortization
5.34%
posted
6.49%APR 5.36%
Special offer rate for a fixed-rate closed mortgage.
Updated
View official page ↗ - TDFixed5 yearsClosedInsured≤ 25-year amortization
5.39%
posted
6.14%APR 5.411%
Special offer rate.
Updated
View official page ↗ - TDFixed5 yearsClosedUninsured≤ 25-year amortization
5.39%
posted
6.14%APR 5.411%
Special offer rate.
Updated
View official page ↗ - ScotiabankFixed5 yearsClosedInsured
6.19%
Posted rate for N.H.A. (insured) residential mortgages.
Updated
View official page ↗ - ScotiabankFixed5 yearsClosedUninsured
6.19%
Posted rate for conventional (uninsured) residential mortgages.
Updated
View official page ↗
Rates on this page were last published 15 Oct 2026, 16:11 UTC.