Today's Lowest Canadian Mortgage Rates

All lender rates

Updated April 29, 2026. Posted rates are the public rates each lender advertises; discounted rates are the bank's own special-offer rates published alongside posted. Both come directly from the lender. See our methodology.

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.

Province All Canada AlbertaBritish ColumbiaOntarioQuebec

Lender	3-Year Fixed	5-Year Fixed	Variable
RBC Royal Bank	6.05% 4.44%	6.09% 4.59%	4.45% 3.95%	Visit lender →
TD Bank	6.05% 4.79%	6.09% 4.94%	4.60% 4.29%	Visit lender →
BMO Bank of Montreal	6.05% 4.64%	6.09% 4.84%	4.10% 4.10%	Visit lender →
BNS Scotiabank	6.05%	6.09% 4.90%	5.95% 5.95%	Visit lender →
CIBC	6.14% 4.64%	6.49% 4.84%	4.45% 3.95%	Visit lender →
National Bank of Canada	6.05% 4.54%	6.09% 4.64%	4.45%	Visit lender →
Tangerine	4.44% 4.44%	4.49% 4.49%	4.00% 4.00%	Visit lender →
MERI Meridian Credit Union	5.79% 4.69%	5.99% 4.79%	5.45% 4.65%	Visit lender →
ALTE Alterna Savings	5.49% 4.49%	5.84% 4.74%	5.20%	Visit lender →
DESJ Desjardins	5.79% 4.79%	5.99% 4.99%	5.35% 4.85%	Visit lender →
Vancity	5.59% 4.59%	5.84% 4.74%	5.20% 4.70%	Visit lender →
Coast Capital Savings	5.49% 4.49%	5.79% 4.69%	5.20% 4.65%	Visit lender →
Servus Credit Union	5.59% 4.69%	5.84% 4.79%	5.20% 4.85%	Visit lender →
ATB Financial	5.69% 4.69%	5.99% 4.94%	5.45% 4.85%	Visit lender →

Posted   Discounted

Discounted rates shown are bank-advertised special offers. Mortgage brokers may offer further discounts. Posted rates are used by federal stress tests; actual qualifying rates may differ.

See full 5-year fixed rankings →