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: 2.99%
- 25yr Maximum Amortization
- 15% lump sum payments allowed.
- 15% increase to regular payments.
Apply Now
Hold your rate
2 Year
Everyday Rate: 3.19%
- 30 year amortization and refinances available
- 15% lump sum payments allowed.
- 15% increase to regular payments.
- 90 day hold (3.24% for 120 days)
Limited Rate: --
Apply Now
Hold your rate
3 Year
Everyday Rate: 3.44%
- 30 year amortization and refinances available
- 15% / 15%+ prepayment options.
- 90 day rate hold (3.49% for 120 days)
Limited Rate: 3.19%
- High Ratio Only
- 20% / 20%+ prepayment options.
- No Rentals or pre-approvals
Apply Now
Hold your rate
4 Year
Everyday Rate: 3.54%
- 30 year amortization and refinances available
- 15% lump sum payments allowed.
- 15% increase to regular payments.
- 90 day hold (120 days @ 3.59%)
Limited Rate: 3.49%
- High Ratio Only
- 15% lump sum payments allowed.
- 15% increase to regular payments.
Apply Now
Hold your rate
5 Year
Everyday Rate: 3.54%
- 30 year amortization and refinances available
- 20% lump sum payments allowed
- 20% increase to regular payments
Limited Rate: 3.09%
- High Ratio Purchase Only
- 20%/20% pre-payment options
- Bona-fide Sales Clause
- Must close within 80 days
Apply Now
Hold your rate
Variable Mortgages - Closed
Term
Everyday Rate
Limited Rate
5 Year
Everyday Rate: 2.55%
- Prime -1.05% (based on prime rate of 3.60%)
- 25 year amortization and refinances available
- 15% lump sum payments allowed.
- 15%+ increase to regular payments.
- 30yr amortizations at 2.65%
Limited Rate: 2.15%
- Prime -1.30%
- High Ratio Purchase Only
- Bona fide sales clause
- Must close in 40 days
Apply Now
Hold your rate
Variable Mortgages - Open
Term
Everyday Rate
Limited Rate
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