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Mortgage Rates
Variable closed: 2.20% 1 year closed: 2.44% 3 year closed: 2.59% 5 year closed: 2.84% 10 year closed: 3.74% 
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Mortgage Rates
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Current Mortgage Rates from Super Brokers
| Mortgage Type or Term |
Current Rates (%) |
Previous Rates (%) |
Rate Change (%) |
Last Date of Change |
| Variable rate | 2.20 | 1.95 | +0.25 percentage points | Jul 17, 2017 |
| 6 month rate | 3.10 | 3.95 | -0.85 percentage points | Dec 31, 2015 |
| 1 year rate | 2.44 | 2.39 | +0.05 percentage points | Jul 18, 2017 |
| 2 year rate | 2.54 | 2.14 | +0.40 percentage points | Jul 20, 2017 |
| 3 year rate | 2.59 | 2.34 | +0.25 percentage points | Jul 20, 2017 |
| 4 year rate | 2.79 | 2.94 | -0.15 percentage points | Jul 20, 2017 |
| 5 year rate | 2.84 | 2.59 | +0.25 percentage points | Jul 20, 2017 |
| 7 year rate | 3.24 | 3.44 | -0.20 percentage points | Jan 16, 2017 |
| 10 year rate | 3.74 | 3.79 | -0.05 percentage points | Apr 7, 2017 |
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** | 2.20 | 3.10 | 2.44 | 2.54 | 2.59 | 2.79 | 2.84 |
| First National Financial | 2.95 | 3.10 | 3.69 | 3.39 | 3.24 | 3.34 | 3.39 |
| TD Canada Trust | 3.10 | 3.14 | 3.04 | 2.84 | 3.44 | 3.89 | 4.84 |
| RBC Royal Bank | 2.95 | 3.14 | 3.14 | 3.04 | 3.65 | 4.39 | 4.64 |
| CIBC | 2.95 | 3.14 | 2.84 | 2.79 | 3.39 | 4.09 | 4.79 |
| HSBC Bank Canada | 1.99 | 3.39 | 2.29 | 2.39 | 2.59 | 2.69 | 2.59 |
| Canadian Western Bank/Trust | 2.50 | 3.70 | 2.44 | 2.24 | 2.38 | 2.54 | 2.64 |
| Libro Credit Union | - | 3.75 | 2.90 | 2.90 | 2.95 | 2.95 | 2.99 |
| Meridian Credit Union | 2.55 | 4.00 | 2.84 | 2.79 | 3.39 | 3.89 | 2.74 |
| First Calgary Financial | - | 4.00 | 2.89 | 2.89 | 2.54 | 2.59 | 2.69 |
| Alterna Bank/Savings | 2.50 | 4.00 | 2.79 | 2.74 | 2.64 | 2.55 | 2.60 |
| ATB Financial | 2.20 | 4.10 | 2.99 | 2.39 | 2.64 | 2.74 | 2.99 |
| Investors Group Trust | 3.05 | 4.20 | 3.04 | 2.89 | 3.39 | 3.89 | 4.64 |
| London Life | 3.05 | 4.20 | 3.09 | 2.89 | 3.39 | 3.89 | 4.64 |
| Bank of Montreal | 2.95 | 4.20 | 3.09 | 3.19 | 3.59 | 4.09 | 4.84 |
| FirstOntario Credit Union | 2.70 | 4.34 | 2.79 | 2.49 | 2.64 | 2.79 | 2.89 |
| Laurentian Bank of Canada | 2.95 | 4.40 | 2.89 | 3.04 | 3.39 | 3.89 | 4.74 |
| Desjardins - Caisses | 2.95 | 4.40 | 3.14 | 3.24 | 3.39 | 3.89 | 4.74 |
| National Bank | 2.95 | 4.40 | 3.14 | 3.04 | 3.39 | 3.89 | 4.74 |
| Manulife | 2.95 | 4.45 | 3.00 | 2.94 | 2.99 | 3.04 | 3.09 |
| WFCU Credit Union | - | 4.45 | 3.00 | 3.04 | 3.65 | 4.39 | 4.64 |
| League Savings & Mortgage | - | 4.45 | 2.99 | 2.55 | 2.65 | 2.75 | 2.89 |
| Effort Trust | - | 4.50 | 4.00 | 4.10 | 4.30 | 5.00 | 5.10 |
| Peace Hills Trust | - | 4.50 | 3.15 | 3.50 | 3.75 | 3.85 | 3.95 |
| Scotiabank | 2.95 | 4.55 | 3.29 | 3.09 | 3.39 | 3.89 | 4.64 |
| PACE Savings & Credit Union | - | 5.00 | 3.14 | 3.04 | 3.65 | 4.39 | 4.64 |
| Rapport Credit Union | 2.70 | 6.00 | 3.09 | 3.04 | 3.39 | 3.89 | 4.64 |
| President's Choice Financial | 2.95 | 6.04 | 3.14 | 2.79 | 3.34 | 3.99 | 4.44 |
| Comtech Credit Union | - | 6.20 | 2.84 | 2.89 | 2.95 | 2.99 | 2.89 |
| Tangerine | 2.55 | - | 3.29 | 2.64 | 2.74 | 2.84 | 2.89 |
| Your Neighbourhood Credit Union | - | - | 2.79 | 2.89 | 3.09 | 3.19 | 2.89 |
| Street Capital Bank | 2.30 | - | 2.84 | 2.84 | 2.94 | 2.94 | 3.09 |
| Equitable Bank | - | - | 3.14 | 3.04 | 3.65 | 4.39 | 4.64 |
| ICICI Bank Canada | 3.05 | - | 2.64 | 2.64 | 2.64 | 3.19 | 3.29 |
| Home Trust Company-Agent | - | - | 3.14 | 3.04 | 3.65 | 4.39 | 4.64 |
| Parama Credit Union | 2.90 | - | 2.80 | 2.85 | 2.95 | 3.05 | 3.15 |
| Kindred Credit Union | 2.95 | - | 3.40 | 3.40 | 3.45 | 3.45 | 3.49 |
| Steinbach Credit Union | - | - | 2.54 | 2.54 | 2.54 | 2.64 | 2.74 |
* 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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