Rates
Compare mortgage rates
See posted and best rates, then explore which terms fit your plans.
Your property, down payment and borrowing needs affect the options available to you. Ask us to compare the rate, flexibility and costs together.
Mortgage Rates
Current mortgage rates
Compare posted rates and our best rates by term.
Updated November 1, 2026
Current Prime
4.45%
| Terms | Posted Rates | Our Best Rates |
|---|---|---|
| 6 Months | 7.25% | 6.49% |
| 1 Year | 7.24% | 5.04% |
| 2 Years | 6.59% | 4.24% |
| 3 Years | 6.44% | 4.24% |
| 4 Years | 6.34% | 4.29% |
| 5 Years | 7.04% | 4.39% |
| 7 Years | 7.20% | 4.54% |
| 10 Years | 7.69% | 4.99% |
| 5 Year Variable | Not posted | 3.45% |
Insured mortgage rates are subject to change. Conventional and refinance rates may be higher. Some rates may not be available in all provinces. Consult a local Mortgage Intelligence professional for more information. OAC. E&EO
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Look beyond the interest rate
Compare the term, flexibility, penalties and qualification requirements alongside the rate. We can help you understand those tradeoffs for your plans.
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What shapes your mortgage options
Updated
Check the date. Confirm your options.
Rates can change. Use the date above as a reference and contact the team to confirm availability for your mortgage.
Context
Know what you qualify for
Property type, down payment, insurer status, renewal timing, and file complexity all shape the final lending conversation.
Next Step
Choose the term that fits
Talk through how long you plan to keep the mortgage and what flexibility you may need.
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