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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 |
| HSBC Bank Canada | 1.99 | 3.39 | 2.29 | 2.39 | 2.59 | 2.69 | 2.59 |
| ATB Financial | 2.20 | 4.10 | 2.99 | 2.39 | 2.64 | 2.74 | 2.99 |
| Street Capital Bank | 2.30 | - | 2.84 | 2.84 | 2.94 | 2.94 | 3.09 |
| Alterna Bank/Savings | 2.50 | 4.00 | 2.79 | 2.74 | 2.64 | 2.55 | 2.60 |
| Canadian Western Bank/Trust | 2.50 | 3.70 | 2.44 | 2.24 | 2.38 | 2.54 | 2.64 |
| Tangerine | 2.55 | - | 3.29 | 2.64 | 2.74 | 2.84 | 2.89 |
| Meridian Credit Union | 2.55 | 4.00 | 2.84 | 2.79 | 3.39 | 3.89 | 2.74 |
| FirstOntario Credit Union | 2.70 | 4.34 | 2.79 | 2.49 | 2.64 | 2.79 | 2.89 |
| Rapport Credit Union | 2.70 | 6.00 | 3.09 | 3.04 | 3.39 | 3.89 | 4.64 |
| Parama Credit Union | 2.90 | - | 2.80 | 2.85 | 2.95 | 3.05 | 3.15 |
| 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 |
| President's Choice Financial | 2.95 | 6.04 | 3.14 | 2.79 | 3.34 | 3.99 | 4.44 |
| Kindred Credit Union | 2.95 | - | 3.40 | 3.40 | 3.45 | 3.45 | 3.49 |
| Scotiabank | 2.95 | 4.55 | 3.29 | 3.09 | 3.39 | 3.89 | 4.64 |
| First National Financial | 2.95 | 3.10 | 3.69 | 3.39 | 3.24 | 3.34 | 3.39 |
| Manulife | 2.95 | 4.45 | 3.00 | 2.94 | 2.99 | 3.04 | 3.09 |
| Bank of Montreal | 2.95 | 4.20 | 3.09 | 3.19 | 3.59 | 4.09 | 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 |
| 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 |
| ICICI Bank Canada | 3.05 | - | 2.64 | 2.64 | 2.64 | 3.19 | 3.29 |
| TD Canada Trust | 3.10 | 3.14 | 3.04 | 2.84 | 3.44 | 3.89 | 4.84 |
| Your Neighbourhood Credit Union | - | - | 2.79 | 2.89 | 3.09 | 3.19 | 2.89 |
| WFCU Credit Union | - | 4.45 | 3.00 | 3.04 | 3.65 | 4.39 | 4.64 |
| Steinbach Credit Union | - | - | 2.54 | 2.54 | 2.54 | 2.64 | 2.74 |
| League Savings & Mortgage | - | 4.45 | 2.99 | 2.55 | 2.65 | 2.75 | 2.89 |
| Equitable Bank | - | - | 3.14 | 3.04 | 3.65 | 4.39 | 4.64 |
| Effort Trust | - | 4.50 | 4.00 | 4.10 | 4.30 | 5.00 | 5.10 |
| Comtech Credit Union | - | 6.20 | 2.84 | 2.89 | 2.95 | 2.99 | 2.89 |
| First Calgary Financial | - | 4.00 | 2.89 | 2.89 | 2.54 | 2.59 | 2.69 |
| Home Trust Company-Agent | - | - | 3.14 | 3.04 | 3.65 | 4.39 | 4.64 |
| PACE Savings & Credit Union | - | 5.00 | 3.14 | 3.04 | 3.65 | 4.39 | 4.64 |
| Libro Credit Union | - | 3.75 | 2.90 | 2.90 | 2.95 | 2.95 | 2.99 |
| Peace Hills Trust | - | 4.50 | 3.15 | 3.50 | 3.75 | 3.85 | 3.95 |
* 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
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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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