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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: 2.54%

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

Limited Rate: 2.19%

  • High Ratio Only
  • 15% lump sum payments allowed.
  • 15% increase to regular payments.
  • Other conditions may apply
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2 Year

Everyday Rate: 2.19%

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

Limited Rate: 2.09%

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

Everyday Rate: 2.44%

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

Limited Rate: 2.29%

  • High Ratio Purchase or Switch Only 
  • 20% / 20%+ prepayment options. 
  • No Rentals or pre-approvals
  • Must close in 40 days
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4 Year

Everyday Rate: 2.54%

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

Limited Rate: 2.39%

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

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5 Year

Everyday Rate: 2.59%

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

Limited Rate: 2.24%

  • High Ratio Purchase and Transfer Only
  • Restricted Pre-Payment options
  • Must close within 80 days
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7 Year

Everyday Rate: 3.14%

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

Limited Rate: --

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Variable Mortgages - Closed

Term

Everyday Rate

Limited Rate

5 Year

Everyday Rate: 2.25%

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

Limited Rate: 1.75%

  • High Ratio Purchase and Transfer Only
  • Restricted pre payment options
  • Must close within 40 days
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Variable Mortgages - Open

Term

Everyday Rate

Limited Rate

HELOC

Everyday Rate: 3.20%

  • Prime +0.50%

Limited Rate: --

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