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.
Apply Now
Hold your rate
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.
Apply Now
Hold your rate
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
Apply Now
Hold your rate
4 Year
Everyday Rate: 3.19%
- 30 year amortization and refinances available
- 15% lump sum payments allowed.
- 15% increase to regular payments.
Limited Rate: 2.89%
- High Ratio Only
- 15% lump sum payments allowed.
- 15% increase to regular payments.
Apply Now
Hold your rate
5 Year
Everyday Rate: 3.09%
- 30 year amortization and refinances available
- 20% lump sum payments allowed
- 20% increase to regular payments
Limited Rate: 2.84%
- High Ratio Only
- 20%/20% pre-payment options
- Must close in 80 days
Apply Now
Hold your rate
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: 2.05%
- Prime -1.15%
- High Ratio Only
- Bona fide sales clause
- Must close in 90 days
Apply Now
Hold your rate
Variable Mortgages - Open
Term
Everyday Rate
Limited Rate
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