RBC Royal Bank Mortgage Rates
Source: https://www.rbcroyalbank.com/mortgages/mortgage-rates.html
Last updated June 25, 2026.
Royal Bank of Canada (RBC) was founded in 1864 and is regulated by OSFI. Mortgages are originated through branch, broker, online channels. Standard prepayment privileges allow up to 10% annual lump sum and up to 10% 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 |
|---|---|---|
| 1-Year Fixed | 4.89% | |
| 2-Year Fixed | 4.79% | |
| 3-Year Fixed | 4.74% | |
| 4-Year Fixed | 4.84% | |
| 5-Year Fixed | 4.89% | |
| 7-Year Fixed | 5.00% | |
| 10-Year Fixed | — | |
| Variable | 3.95% |
Lender facts
- Founded
- 1864
- Regulator
- OSFI
- Channels
- Branch, Broker, Online
- Prepayment
- 10% lump sum / 10% payment increase
Verified Apr 2026
Best rates by term
See how RBC Royal Bank's rates compare to the rest of the market for each term they offer.
