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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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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 |
| Alterna Bank/Savings | 2.94 | 4.40 | 3.64 | 2.19 | 2.79 | 4.94 | 2.84 |
| HSBC Bank Canada | 2.94 | 3.19 | 3.09 | 2.84 | 2.84 | 2.89 | 2.84 |
| Home Trust | 3.00 | - | 3.99 | 3.54 | 3.79 | 3.85 | 2.79 |
| ATB Financial | 3.15 | 4.50 | 3.39 | 3.49 | 3.49 | 3.54 | 2.89 |
| Meridian Credit Union | 3.15 | 4.00 | 3.24 | 3.49 | 3.74 | 3.89 | 2.84 |
| Tangerine | 3.25 | - | 3.49 | 2.74 | 2.79 | 2.94 | 2.89 |
| Canadian Western Bank/Trust | 3.35 | 3.94 | 2.94 | 2.84 | 2.89 | 2.89 | 2.94 |
| FirstOntario Credit Union | 3.40 | 4.94 | 3.69 | 3.29 | 3.19 | 3.19 | 3.09 |
| London Life | 3.70 | 4.20 | 3.49 | 3.59 | 4.14 | 4.89 | 5.34 |
| Investors Group Trust | 3.70 | 4.20 | 3.49 | 3.59 | 4.14 | 4.89 | 5.34 |
| Parama Credit Union | 3.70 | - | 3.50 | 3.60 | 3.70 | 3.80 | 3.90 |
| 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 |
| RBC Royal Bank | 3.95 | 3.64 | 3.64 | 3.89 | 4.45 | 4.99 | 5.19 |
| National Bank | 3.95 | 4.50 | 3.39 | 3.49 | 3.94 | 4.89 | 5.19 |
| Laurentian Bank of Canada | 3.95 | 4.40 | 3.69 | 3.89 | 4.34 | 4.89 | 5.19 |
| CIBC | 3.95 | 3.75 | 3.39 | 3.39 | 3.94 | 4.49 | 5.34 |
| Desjardins - Caisses | 3.95 | 4.40 | 3.69 | 3.89 | 4.34 | 4.89 | 5.19 |
| First National Financial | 3.95 | 4.49 | 3.99 | 3.19 | 3.09 | 3.09 | 3.09 |
| Kindred Credit Union | 3.95 | - | 3.65 | 3.70 | 3.70 | 3.75 | 3.49 |
| Luminus Financial | 4.00 | - | 4.10 | 4.20 | 4.35 | 4.80 | 5.34 |
| TD Canada Trust | 4.10 | 3.34 | 3.59 | 3.74 | 3.89 | 3.94 | 5.34 |
| Bank of Montreal | 4.10 | 4.20 | 3.64 | 3.89 | 4.29 | 4.89 | 5.19 |
| Scotiabank | 4.15 | 4.75 | 3.64 | 3.74 | 4.39 | 4.59 | 5.19 |
| Manulife | 4.45 | 4.45 | 3.69 | 3.69 | 3.69 | 3.74 | 3.79 |
| Steinbach Credit Union | - | - | 3.25 | 2.89 | 2.89 | 2.89 | 2.99 |
| Peace Hills Trust | - | 4.50 | 3.35 | 3.50 | 3.75 | 4.05 | 4.25 |
| Equitable Bank | - | - | 3.64 | 3.89 | 4.45 | 4.99 | 5.19 |
| Effort Trust | - | 4.50 | 4.40 | 4.50 | 4.75 | 4.90 | 4.95 |
| Libro Credit Union | - | 4.75 | 2.94 | 2.94 | 2.99 | 2.99 | 2.99 |
| Comtech Fire Credit U. | - | 6.20 | 3.39 | 3.49 | 3.69 | 3.74 | 3.49 |
* 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
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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