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Mortgage Rates
Variable closed: 2.85% 1 year closed: 2.69% 3 year closed: 2.69% 5 year closed: 2.79% 10 year closed: 3.44% 
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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 | 2.85 | 2.36 | +0.49 percentage points | Nov 26, 2018 |
| 6 month rate | 4.50 | 4.09 | +0.41 percentage points | Nov 26, 2018 |
| 1 year rate | 2.69 | 3.29 | -0.60 percentage points | Oct 31, 2019 |
| 2 year rate | 2.69 | 3.14 | -0.45 percentage points | Oct 31, 2019 |
| 3 year rate | 2.69 | 2.64 | +0.05 percentage points | Oct 31, 2019 |
| 4 year rate | 2.69 | 3.19 | -0.50 percentage points | Oct 31, 2019 |
| 5 year rate | 2.79 | 2.59 | +0.20 percentage points | Oct 31, 2019 |
| 7 year rate | 3.49 | 3.59 | -0.10 percentage points | May 8, 2019 |
| 10 year rate | 3.44 | 4.04 | -0.60 percentage points | May 8, 2019 |
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** | 2.85 | 4.50 | 2.69 | 2.69 | 2.69 | 2.69 | 2.79 |
| HSBC Bank Canada | 2.94 | 3.19 | 3.09 | 2.84 | 2.84 | 2.89 | 2.84 |
| TD Canada Trust | 4.10 | 3.34 | 3.59 | 3.74 | 3.89 | 3.94 | 5.34 |
| RBC Royal Bank | 3.95 | 3.64 | 3.64 | 3.89 | 4.45 | 4.99 | 5.19 |
| CIBC | 3.95 | 3.75 | 3.39 | 3.39 | 3.94 | 4.49 | 5.34 |
| Canadian Western Bank/Trust | 3.35 | 3.94 | 2.94 | 2.89 | 2.89 | 2.94 | 3.04 |
| Meridian Credit Union | 3.15 | 4.00 | 3.24 | 3.49 | 3.74 | 3.89 | 2.84 |
| Investors Group Trust | 3.95 | 4.20 | 3.49 | 3.59 | 4.14 | 4.89 | 5.19 |
| Bank of Montreal | 4.10 | 4.20 | 3.64 | 3.89 | 4.29 | 4.89 | 5.19 |
| Canada Life | 3.95 | 4.20 | 3.49 | 3.59 | 4.14 | 4.89 | 5.19 |
| Laurentian Bank of Canada | 3.95 | 4.40 | 3.69 | 3.89 | 4.34 | 4.89 | 5.19 |
| Alterna Bank/Savings | 2.94 | 4.40 | 3.64 | 2.19 | 2.79 | 4.94 | 2.84 |
| Desjardins - Caisses | 3.95 | 4.40 | 3.69 | 3.89 | 4.34 | 4.89 | 5.19 |
| Manulife | 4.45 | 4.45 | 3.69 | 3.69 | 3.69 | 3.74 | 3.79 |
| First National Financial | 3.95 | 4.49 | 3.99 | 3.19 | 3.09 | 3.09 | 3.09 |
| Effort Trust | - | 4.50 | 4.40 | 4.50 | 4.75 | 4.90 | 4.95 |
| National Bank | 3.95 | 4.50 | 3.39 | 3.49 | 3.94 | 4.89 | 5.19 |
| Peace Hills Trust | - | 4.50 | 3.35 | 3.50 | 3.75 | 4.05 | 4.25 |
| ATB Financial | 3.15 | 4.50 | 3.39 | 3.49 | 3.49 | 3.54 | 2.89 |
| Libro Credit Union | - | 4.75 | 2.94 | 2.94 | 2.99 | 2.99 | 2.99 |
| Scotiabank | 4.15 | 4.75 | 3.64 | 3.74 | 4.39 | 4.59 | 5.19 |
| FirstOntario Credit Union | 3.40 | 4.94 | 3.69 | 3.29 | 3.19 | 3.19 | 3.09 |
| Rapport Credit Union | 3.70 | 6.00 | 3.54 | 3.59 | 4.04 | 4.44 | 5.19 |
| Simplii Financial | 3.95 | 6.19 | 3.39 | 3.39 | 3.89 | 4.39 | 4.99 |
| Comtech Fire Credit U. | - | 6.20 | 3.39 | 3.49 | 3.69 | 3.74 | 3.49 |
| Steinbach Credit Union | - | - | 3.25 | 2.89 | 2.89 | 2.89 | 2.99 |
| Tangerine | 3.25 | - | 3.49 | 2.74 | 2.79 | 2.94 | 2.89 |
| Kindred Credit Union | 3.95 | - | 3.65 | 3.70 | 3.70 | 3.75 | 3.49 |
| Equitable Bank | - | - | 3.64 | 3.89 | 4.45 | 4.99 | 5.19 |
| Home Trust | 3.00 | - | 3.99 | 3.54 | 3.79 | 3.85 | 2.94 |
| Luminus Financial | 4.25 | - | 4.10 | 4.20 | 4.35 | 4.80 | 5.34 |
| Parama Credit Union | 3.70 | - | 3.50 | 3.60 | 3.70 | 3.80 | 3.90 |
* 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.
Find More
Mortgage Calculator With Lump Sums
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How Much Can You Afford?
This calculator will find how much you may be pre-approved for based on industry standard guidelines.
Mortgage Rate History
Take a glimpse at how mortgage rates have increased and decreased in the last decade.
See the Prime Rate
The current prime rate, info on how it works, and the implications for variable rate mortgages.
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