BMO Bank of Montreal Mortgage Rates
Source: https://www.bmo.com/main/personal/mortgages/mortgage-rates/
Last updated June 25, 2026.
Bank of Montreal (BMO) was founded in 1817 and is regulated by OSFI. Mortgages are originated through branch, broker, online channels. Standard prepayment privileges allow up to 20% annual lump sum and up to 20% payment increase per year.
Rates shown are updated daily and are not an offer of credit. Actual rates require lender approval and may differ. Discounted rates are the bank's own published special-offer rates; a mortgage broker can often secure a lower rate than what's shown. See our methodology.
| Term | Posted | Discounted |
|---|---|---|
| Variable | 4.10% | |
| 1-Year Fixed | — | |
| 2-Year Fixed | — | |
| 3-Year Fixed | 4.64% | |
| 4-Year Fixed | — | |
| 5-Year Fixed | 4.84% | |
| 7-Year Fixed | — | |
| 10-Year Fixed | 6.70% |
Lender facts
- Founded
- 1817
- Regulator
- OSFI
- Channels
- Branch, Broker, Online
- Prepayment
- 20% lump sum / 20% payment increase
Verified Invalid Date
Best rates by term
See how BMO Bank of Montreal's rates compare to the rest of the market for each term they offer.
