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Please Note: Rates are only valid where subject property is located.

Ontario Mortgage Rates

In better times, get the lowest rates.

Ontario’s housing market is gradually improving, with existing home sales and housing starts gaining strength. As the real estate market remains competitive, interest rates will continue to impact Ontario investors and homeowners.

Our specialized mortgage brokers can help find the best mortgage solution to fit your needs—and offer you the lowest current mortgage rates in Ontario. Your bank has a rate? We pass along our volume discount to get it even lower. Contact us today to help save you thousands.

Protect your low mortgage rate.

Ontario mortgage interest rates are on the move. Whether it’s your first home, a vacation or income property—we can hold your low current mortgage rates for up to four months (depending on the lender). Visit us, call or apply online today.

Fixed Mortgages - Closed

Term

Everyday Rate

Limited Rate

1 Year

Everyday Rate: 3.04%

  • 30 year amortization and refinances available
  • 15% lump sum payments allowed.
  • 15% increase to regular payments.

Limited Rate: 2.49%

  • High Ratio Only
  • 20% lump sum payments allowed.
  • 20% increase to regular payments.
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2 Year

Everyday Rate: 2.84%

  • 30 year amortization and refinances available
  • 15% lump sum payments allowed.
  • 15% increase to regular payments.
  • 90 days hold (120 day hold at 2.89%)

Limited Rate: 2.44%

  • HR Purchase Only
  • 20% lump sum payments allowed.
  • 20% increase to regular payments.
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3 Year

Everyday Rate: 3.09%

  • 30 year amortization and refinances available
  • 15% / 15%+ prepayment options. 

Limited Rate: 2.69%

  • High Ratio Only
  • 20% / 20%+ prepayment options. 
  • No Rentals or pre-approvals
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4 Year

Everyday Rate: 3.19%

  • 30 year amortization and refinances available
  • 15% lump sum payments allowed.
  • 15% increase to regular payments. 

Limited Rate: 2.79%

  • High Ratio Only
  • 15% lump sum payments allowed.
  • 15% increase to regular payments. 
  • Matures March 1st, 2022
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5 Year

Everyday Rate: 3.19%

  • 30 year amortization and refinances available
  • 20% lump sum payments allowed
  • 20% increase to regular payments

Limited Rate: 2.69%

  • High Ratio Only
  • 20%/20% pre-payment options
  • Must close in 90 days
  • Bona Fide Sales Clause
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Variable Mortgages - Closed

Term

Everyday Rate

Limited Rate

5 Year

Everyday Rate: 2.75%

  • 30 year amortization and refinances available
  • Prime - 0.45%
  • 15% lump sum payments allowed.
  • 15%+ increase to regular payments. 

Limited Rate: 1.95%

  • Prime -1.25%
  • High Ratio Only
  • Bona fide sales clause
  • Must close in 90 days
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Variable Mortgages - Open

Term

Everyday Rate

Limited Rate

HELOC

Everyday Rate: 3.70%

  • Prime +0.50%

Limited Rate: --

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