7-year fixed mortgage rates in Canada
Every 7-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 7-year fixed rate here is 5% from RBC.
| Lender | Rate | Conditions | Last material update | Source |
|---|---|---|---|---|
| RBC | 5%posted | Special offer rate, 25 year amortization or less.≤ 25-year amortization | View official page ↗ for RBC 7 years Fixed | |
| RBC | 5.1%posted | Special offer rate for an amortization greater than 25 years.> 25-year amortization | View official page ↗ for RBC 7 years Fixed | |
| CIBC | 5.11%posted | Special offer rate for a fixed-rate closed mortgage.≤ 25-year amortization | View official page ↗ for CIBC 7 years Fixed | |
| TD | 6.09%posted | Special offer rate.≤ 25-year amortizationInsured | View official page ↗ for TD 7 years Fixed | |
| National Bank of Canada | 6.4% | Posted rate; no promotional rate advertised for this term.≤ 25-year amortization | View official page ↗ for National Bank of Canada 7 years Fixed | |
| Scotiabank | 6.4% | Posted rate for N.H.A. (insured) residential mortgages.Insured | View official page ↗ for Scotiabank 7 years Fixed | |
| Scotiabank | 6.4% | Posted rate for conventional (uninsured) residential mortgages.Uninsured | View official page ↗ for Scotiabank 7 years Fixed | |
| TD | 6.4%posted | Posted rate; no special offer advertised for this product.≤ 30-year amortizationUninsured | View official page ↗ for TD 7 years Fixed |
- RBCFixed7 yearsClosed≤ 25-year amortization
5%
posted
6.4%APR 5.02%
Special offer rate, 25 year amortization or less.
Updated
View official page ↗ - RBCFixed7 yearsClosed> 25-year amortization
5.1%
posted
6.4%APR 5.12%
Special offer rate for an amortization greater than 25 years.
Updated
View official page ↗ - CIBCFixed7 yearsClosed≤ 25-year amortization
5.11%
posted
6.3%APR 5.13%
Special offer rate for a fixed-rate closed mortgage.
Updated
View official page ↗ - TDFixed7 yearsClosedInsured≤ 25-year amortization
6.09%
posted
6.4%APR 6.106%
Special offer rate.
Updated
View official page ↗ - National Bank of CanadaFixed7 yearsClosed≤ 25-year amortization
6.4%
Posted rate; no promotional rate advertised for this term.
Updated
View official page ↗ - ScotiabankFixed7 yearsClosedInsured
6.4%
Posted rate for N.H.A. (insured) residential mortgages.
Updated
View official page ↗ - ScotiabankFixed7 yearsClosedUninsured
6.4%
Posted rate for conventional (uninsured) residential mortgages.
Updated
View official page ↗ - TDFixed7 yearsClosedUninsured≤ 30-year amortization
6.4%
posted
6.4%APR 6.415%
Posted rate; no special offer advertised for this product.
Updated
View official page ↗
Rates on this page were last published 31 Aug 2026, 18:40 UTC.