5-year variable mortgage rates in Canada
Every 5-year variable 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 variable rate here is 4.29% from TD.
| Lender | Rate | Conditions | Last material update | Source |
|---|---|---|---|---|
| TD | 4.29%posted | Special offer rate.≤ 25-year amortizationUninsured | View official page ↗ for TD 5 years Variable | |
| National Bank of Canada | 5.04%APR 5.08% | Promotional variable closed rate.≤ 25-year amortization | View official page ↗ for National Bank of Canada 5 years Variable | |
| TD | 5.05%posted | Special offer rate.≤ 25-year amortizationInsured | View official page ↗ for TD 5 years Variable | |
| TD | 7.75%posted | Special offer rate.≤ 25-year amortizationInsured | View official page ↗ for TD 5 years Variable | |
| TD | 7.75%posted | Special offer rate.≤ 25-year amortizationUninsured | View official page ↗ for TD 5 years Variable |
- TDVariable5 yearsClosedUninsured≤ 25-year amortization
4.29%
posted
4.6%APR 4.311%
Special offer rate.
Updated
View official page ↗ - National Bank of CanadaVariable5 yearsClosed≤ 25-year amortization
5.04%
APR 5.08%
Promotional variable closed rate.
Updated
View official page ↗ - TDVariable5 yearsClosedInsured≤ 25-year amortization
5.05%
posted
4.6%APR 5.071%
Special offer rate.
Updated
View official page ↗ - TDVariable5 yearsOpenInsured≤ 25-year amortization
7.75%
posted
4.6%APR 7.771%
Special offer rate.
Updated
View official page ↗ - TDVariable5 yearsOpenUninsured≤ 25-year amortization
7.75%
posted
4.6%APR 7.771%
Special offer rate.
Updated
View official page ↗
Rates on this page were last published 15 Oct 2026, 16:11 UTC.