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Canada Mortgage Rates

Fixed Mortgages - Closed

Term

Everyday Rate

Limited Rate

1 Year

Everyday Rate: 3.39%

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

Limited Rate: 3.29%

  • 25yr Maximum Amortization
  • 15% lump sum payments allowed.
  • 15% increase to regular payments.
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2 Year

Everyday Rate: 3.49%

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

Limited Rate: 3.39%

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

Everyday Rate: 3.69%

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

Limited Rate: 3.24%

  • High Purchase Ratio Only
  • 20% / 20%+ prepayment options. 
  • No Rentals or pre-approvals
  • Must close in 45 days
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4 Year

Everyday Rate: 3.79%

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

Limited Rate: 3.59%

  • High Ratio Purchase Only
  • 15% lump sum payments allowed.
  • 15% increase to regular payments. 
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5 Year

Everyday Rate: 3.69%

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

Limited Rate: 3.29%

  • High Ratio Purchase Only
  • 20%/20% pre-payment options
  • Must close within 120 days
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10 Year

Everyday Rate: 4.19%

  • Refinancing available. 
  • 25 year amortization.
  • 15%+ lump sum payments allowed.
  • 15%+ increase to regular payments.

Limited Rate: 3.89%

  • Loan to Value restrictions apply. 
  • 20% lump sum payments allowed.
  • 20% increase to regular payments.
  • Other conditions may apply
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Variable Mortgages - Closed

Term

Everyday Rate

Limited Rate

5 Year

Everyday Rate: 2.95%

  • Prime -.75% 
  • 30 year amortization and refinances available
  • 15% lump sum payments allowed.
  • 15%+ increase to regular payments.

Limited Rate: 2.40%

  • Prime -1.30%
  • High Ratio Purchase Only
  • Bona fide sales clause
  • Must close in 40 days
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Variable Mortgages - Open

Term

Everyday Rate

Limited Rate

HELOC

Everyday Rate: 4.20%

  • Prime +0.50%

Limited Rate: --

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