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Mortgage Rates
Variable closed: 2.36% 1 year closed: 2.99% 3 year closed: 3.24% 5 year closed: 3.24% 10 year closed: 3.99% 
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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 | 2.36 | 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 | 3.14 | 3.18 | -0.04 percentage points | May 8, 2018 |
| 3 year rate | 3.24 | 3.39 | -0.15 percentage points | May 8, 2018 |
| 4 year rate | 3.29 | 3.44 | -0.15 percentage points | May 8, 2018 |
| 5 year rate | 3.24 | 3.19 | +0.05 percentage points | May 7, 2018 |
| 7 year rate | 3.44 | 3.39 | +0.05 percentage points | May 3, 2018 |
| 10 year rate | 3.99 | 3.89 | +0.10 percentage points | May 3, 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 | 3.14 | 3.24 | 3.29 | 3.24 |
| HSBC Bank Canada | 2.39 | 3.69 | 2.99 | 3.09 | 3.14 | 3.29 | 3.34 |
| Alterna Bank/Savings | 2.45 | 4.40 | 3.29 | 3.25 | 3.29 | 3.25 | 3.45 |
| ATB Financial | 2.55 | 4.50 | 3.09 | 3.34 | 3.44 | 3.49 | 3.54 |
| Street Capital Bank | 2.60 | - | 3.54 | 3.54 | 3.64 | 3.69 | 3.69 |
| PACE Savings & Credit Union | 2.70 | 3.14 | 3.89 | 3.99 | 4.15 | 4.89 | 5.14 |
| Canadian Western Bank/Trust | 2.90 | 4.00 | 2.99 | 3.04 | 3.24 | 3.29 | 3.24 |
| Tangerine | 2.95 | - | 3.29 | 3.34 | 3.39 | 3.49 | 3.59 |
| Meridian Credit Union | 3.05 | 4.00 | 3.04 | 3.14 | 3.39 | 3.89 | 3.29 |
| ICICI Bank Canada | 3.05 | - | 3.19 | 3.19 | 3.94 | 4.29 | 5.14 |
| Kindred Credit Union | 3.30 | - | 3.95 | 3.95 | 3.95 | 4.00 | 3.55 |
| Parama Credit Union | 3.40 | - | 3.39 | 3.49 | 3.59 | 3.79 | 3.89 |
| Simplii Financial | 3.45 | 6.19 | 3.54 | 3.34 | 3.59 | 4.19 | 4.79 |
| Scotiabank | 3.45 | 4.75 | 3.69 | 3.59 | 4.04 | 4.49 | 5.34 |
| CIBC | 3.45 | 3.75 | 3.39 | 3.34 | 3.64 | 4.29 | 5.14 |
| National Bank | 3.45 | 4.40 | 3.49 | 3.74 | 4.30 | 4.89 | 5.34 |
| London Life | 3.45 | 4.20 | 3.49 | 3.59 | 4.14 | 4.89 | 5.34 |
| Laurentian Bank of Canada | 3.45 | 4.40 | 3.49 | 3.74 | 4.15 | 4.89 | 5.49 |
| Desjardins - Caisses | 3.45 | 4.40 | 3.49 | 3.74 | 4.30 | 4.94 | 5.49 |
| FirstOntario Credit Union | 3.45 | 4.94 | 3.59 | 3.54 | 3.59 | 3.90 | 3.59 |
| First National Financial | 3.45 | 4.09 | 4.09 | 3.64 | 3.64 | 3.69 | 3.94 |
| Investors Group Trust | 3.45 | 4.20 | 3.49 | 3.59 | 4.14 | 4.89 | 5.34 |
| RBC Royal Bank | 3.45 | 3.49 | 3.49 | 3.74 | 4.30 | 5.04 | 5.34 |
| Rapport Credit Union | 3.45 | 6.00 | 3.09 | 3.25 | 3.89 | 4.25 | 5.14 |
| Bank of Montreal | 3.60 | 4.20 | 3.44 | 3.60 | 4.15 | 4.89 | 5.19 |
| TD Canada Trust | 3.60 | 3.14 | 3.04 | 3.44 | 3.59 | 3.89 | 5.59 |
| Manulife | 3.95 | 4.45 | 3.34 | 3.44 | 3.54 | 3.64 | 3.84 |
| Luminus Financial | 4.00 | - | 4.10 | 4.20 | 4.35 | 4.80 | 5.34 |
| Your Neighbourhood Credit Union | - | - | 3.24 | 3.34 | 3.44 | 3.54 | 3.79 |
| Steinbach Credit Union | - | - | 3.09 | 3.19 | 3.29 | 3.39 | 3.49 |
| League Savings & Mortgage | - | 4.45 | 3.25 | 3.35 | 3.50 | 3.60 | 3.75 |
| Effort Trust Company | - | 4.50 | 4.00 | 4.10 | 4.15 | 4.60 | 4.85 |
| Comtech Credit Union | - | 6.20 | 3.05 | 3.10 | 3.15 | 3.20 | 3.45 |
| Equitable Bank | - | - | 3.49 | 3.69 | 4.30 | 5.04 | 5.34 |
| First Calgary Financial | - | 4.09 | 3.24 | 3.24 | 3.29 | 3.34 | 3.44 |
| Libro Credit Union | - | 3.75 | 3.45 | 3.45 | 3.45 | 3.49 | 3.54 |
| Home Trust Company-Agent | - | - | 3.49 | 3.74 | 4.30 | 5.04 | 5.34 |
| Peace Hills Trust | - | 4.50 | 3.35 | 3.50 | 3.75 | 4.05 | 4.25 |
* 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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See the Prime Rate
The current prime rate, info on how it works, and the implications for variable rate mortgages.
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