We’re Spilling the Tea
on Mortgage Rates in Canada🍵
Did you know that banks offer
lower, unpublished promotions
continuously for mortgages?
This includes purchases, refinances, renewals and even rental properties.
Not all rates are created equal.
In fact, many no-frills rates can end up costing you thousands down the road. That’s where a solid strategy and mortgage professional on your side can save you some stress and $$$.
| Lender | Fixed | Variable | Get this rate |
|---|---|---|---|
 Scotiabank | 4.04% | P-30 bps | Apply Now |
 EXCLUSIVE | 4.24% | P-1.00 bps | Apply Now |
 BMO | 3.99% | P-40 bps | Apply Now |
 CIBC | 5.79% | P-26 bps | Apply Now |
 | 5.74% | P-20 bps | Apply Now |
 TD Bank | 4.29% | P-45 bps | Apply Now |
 MCAN | 4.04% | P-80 bps | Apply Now |
 FN | 4.24% | P-75 bps | Apply Now |
 EQ | 4.99% | P-90 bps | Apply Now |
 Alterna CU | 4.54% | P-45 bps | Apply Now |
Prime = 4.45% for all lenders except TD (4.85%)
This is a sample of some of the over 45 lenders we work with and may not reflect the actual rate you’ll qualify for. Contact us for full details
Last updated: March 6, 2026
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