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Mortgage Rates
Variable closed: 2.36% 1 year closed: 2.99% 3 year closed: 3.29% 5 year closed: 3.24% 10 year closed: 3.89% 
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Mortgage Rates
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ToolsCompare Canadian Mortgage Rates
Current Mortgage Rates from Super Brokers
| Mortgage Type or Term |
Current Rates (%) |
Previous Rates (%) |
Rate Change (%) |
Last Date of Change |
| Variable rate | 2.36 | 2.20 | +0.16 percentage points | Jan 22, 2018 |
| 6 month rate | 4.09 | 3.10 | +0.99 percentage points | Feb 20, 2018 |
| 1 year rate | 2.99 | 3.19 | -0.20 percentage points | Feb 20, 2018 |
| 2 year rate | 3.07 | 3.24 | -0.17 percentage points | Apr 12, 2018 |
| 3 year rate | 3.29 | 3.28 | +0.01 percentage points | Yesterday |
| 4 year rate | 3.37 | 3.35 | +0.02 percentage points | Yesterday |
| 5 year rate | 3.24 | 3.34 | -0.10 percentage points | Yesterday |
| 7 year rate | 3.39 | 3.69 | -0.30 percentage points | Feb 24, 2018 |
| 10 year rate | 3.89 | 3.79 | +0.10 percentage points | Apr 13, 2018 |
Mortgage Rate Comparison
Compare mortgage rates with other banks and lenders using our mortgage rate comparison chart below. All rates are updated daily and are for Canadian residents only.
Find the best residential mortgage rates in Canada*
Tip: Click any two mortgage rates to compare typical payment amounts & interest. Click the mortgage term links to change the sorting of the table, based on the mortgage rate, best to worst, and vice versa.
| Financial Institution |
Mortgage Type/Term | ||||||
| VariableVar | 6 MthMo | 1 YearYr | 2 YearYr | 3 YearYr | 4 YearYr | 5 YearYr | |
| Our Mortgage Rates** | 2.36 | 4.09 | 2.99 | 3.07 | 3.29 | 3.37 | 3.24 |
| TD Canada Trust | 3.60 | 3.14 | 3.04 | 3.34 | 3.49 | 3.89 | 5.14 |
| PACE Savings & Credit Union | 2.70 | 3.14 | 3.34 | 3.59 | 4.15 | 4.89 | 5.14 |
| RBC Royal Bank | 3.45 | 3.34 | 3.34 | 3.59 | 4.15 | 4.89 | 5.14 |
| HSBC Bank Canada | 2.49 | 3.69 | 2.94 | 2.99 | 3.04 | 3.29 | 3.19 |
| Libro Credit Union | - | 3.75 | 3.45 | 3.45 | 3.45 | 3.49 | 3.54 |
| CIBC | 3.45 | 3.75 | 3.29 | 3.24 | 3.64 | 4.29 | 4.99 |
| Alterna Bank/Savings | 3.15 | 4.00 | 3.29 | 3.24 | 3.20 | 3.25 | 3.45 |
| Meridian Credit Union | 3.05 | 4.00 | 3.04 | 3.14 | 3.39 | 3.89 | 3.29 |
| Canadian Western Bank/Trust | 2.90 | 4.00 | 2.99 | 3.04 | 3.25 | 3.32 | 3.51 |
| First National Financial | 3.45 | 4.09 | 4.09 | 3.79 | 3.64 | 3.64 | 3.69 |
| First Calgary Financial | - | 4.09 | 3.24 | 3.24 | 3.29 | 3.34 | 3.44 |
| London Life | 3.45 | 4.20 | 3.35 | 3.35 | 3.74 | 4.24 | 5.14 |
| Bank of Montreal | 3.60 | 4.20 | 3.29 | 3.50 | 4.05 | 4.79 | 5.14 |
| Investors Group Trust | 3.45 | 4.20 | 3.35 | 3.35 | 3.74 | 4.24 | 5.14 |
| Desjardins - Caisses | 3.45 | 4.40 | 3.44 | 3.59 | 4.15 | 4.79 | 5.14 |
| Laurentian Bank of Canada | 3.45 | 4.40 | 3.39 | 3.59 | 4.15 | 4.59 | 5.14 |
| National Bank | 3.45 | 4.40 | 3.34 | 3.59 | 4.15 | 4.59 | 5.14 |
| Manulife | 3.95 | 4.45 | 3.34 | 3.44 | 3.54 | 3.64 | 3.84 |
| League Savings & Mortgage | - | 4.45 | 3.05 | 3.15 | 3.30 | 3.40 | 3.50 |
| Effort Trust Company | - | 4.50 | 4.00 | 4.10 | 4.15 | 4.60 | 4.85 |
| ATB Financial | 3.00 | 4.50 | 3.09 | 3.19 | 3.29 | 3.39 | 3.34 |
| Peace Hills Trust | - | 4.50 | 3.35 | 3.50 | 3.75 | 4.05 | 4.25 |
| Scotiabank | 3.45 | 4.75 | 3.69 | 3.49 | 3.94 | 4.29 | 5.14 |
| FirstOntario Credit Union | 3.45 | 4.94 | 3.59 | 3.24 | 3.34 | 3.49 | 3.49 |
| Rapport Credit Union | 3.45 | 6.00 | 3.09 | 3.25 | 3.89 | 4.25 | 5.14 |
| Simplii Financial | 3.45 | 6.19 | 3.44 | 3.24 | 3.59 | 4.19 | 4.64 |
| Comtech Credit Union | - | 6.20 | 3.05 | 3.10 | 3.15 | 3.20 | 3.29 |
| Steinbach Credit Union | - | - | 3.09 | 3.19 | 3.29 | 3.39 | 3.49 |
| Street Capital Bank | 2.60 | - | 3.44 | 3.49 | 3.59 | 3.64 | 3.59 |
| Tangerine | 2.95 | - | 3.29 | 3.24 | 3.29 | 3.39 | 3.49 |
| Your Neighbourhood Credit Union | - | - | 3.09 | 3.19 | 3.39 | 3.49 | 3.69 |
| Home Trust Company-Agent | - | - | 3.34 | 3.59 | 4.15 | 4.89 | 5.14 |
| Parama Credit Union | 3.40 | - | 3.09 | 3.19 | 3.29 | 3.49 | 3.69 |
| Luminus Financial | 4.00 | - | 4.10 | 4.20 | 4.35 | 4.50 | 4.99 |
| Kindred Credit Union | 3.30 | - | 3.95 | 3.95 | 3.95 | 4.00 | 3.55 |
| ICICI Bank Canada | 3.05 | - | 3.19 | 3.19 | 3.94 | 4.29 | 5.14 |
| Equitable Bank | - | - | 3.34 | 3.54 | 4.15 | 4.89 | 5.14 |
* These rates are the most widely available rates across Canada. The products these rates are meant to represent are available to approximately 90% of Canadians with good credit and income.
** These are the lowest mortgage rates known to us. We can not guarantee the availability of these rates in your area, and restrictions may apply. Call Super Brokers to learn what rates are available to you at 1-800-604-1864.
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Mortgage Rate History
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See the Prime Rate
The current prime rate, info on how it works, and the implications for variable rate mortgages.
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