Other Mortgage Rates
Looking for the best mortgage rates in your area?
With us, you'll get better rates and service than the banks or any online-only provider. Apply online, email, call or chat today!
We'll beat any competitor's offer
Get your best mortgage rate in Canada.
Exceptional service that can save you money, time and stress.
With highly trained, salaried, non-commissioned brokers — we have the right stuff to get your lowest mortgage rate and better mortgage options.
We access several accredited lenders and thousands of products for your perfect mortgage fit — whether your mortgage needs are straightforward or require a customized approach. Our huge volume allows us to pass along a rate discount. And our rates are proven to be 0.18% better on average compared to the competition.
A lower rate can save you thousands over the lifetime of your mortgage, and we'll be here to help you with all your questions and changes along the way.
We provide your fast pre-approval no matter where you are in Canada — online, through our chatbot, Morgan, over the phone or at a store near you. Plus, we have Mobile Mortgage Brokers who can come to you.
Call, email or apply online today! We make your process easy while saving you a pile of cash.
Obsessed with your best rate
Pre-Qualify in Minutes
Know before you go (house hunting, that is). Get pre-approved fast, hold your best rate.
Complex Mortgages
Don't fit the mortgage mold? We may have the right solution to help you move on.
Renewals and Transfers
Don't sign without talking to us! Show us your renewal notice — we’ll beat it.
Find an expert broker in your preferred language
Company Directory
Get a better mortgage with a highly trained broker who speaks your language.
Historical Mortgage Rates
For Other - Last Updated Nov 03 2025
5 Year Fixed Rate
4.04% - 5.00%
2025 (average)
4.00%
5.43%
November
3.77%
5.00%
October
3.79%
5.25%
September
3.97%
5.49%
August
4.07%
5.49%
July
4.14%
5.49%
June
4.09%
5.49%
May
4.09%
5.10%
April
3.94%
5.49%
March
3.89%
5.54%
February
4.04%
5.69%
January
4.24%
5.69%
2024 (average)
4.59%
6.28%
December
4.24%
5.69%
November
4.24%
5.69%
October
4.24%
5.69%
September
4.29%
5.62%
August
4.47%
5.59%
July
4.64%
5.79%
June
4.69%
6.89%
May
4.79%
6.89%
April
4.84%
6.89%
March
4.79%
6.89%
February
4.92%
6.89%
January
4.90%
6.89%
2023 (average)
5.03%
6.33%
December
5.12%
6.89%
November
5.44%
6.89%
October
5.62%
6.89%
September
5.49%
6.89%
August
5.37%
6.89%
July
5.14%
6.39%
June
4.95%
5.93%
May
4.59%
5.84%
April
4.84%
5.84%
March
4.66%
5.84%
February
4.67%
5.84%
January
4.49%
5.84%
2022 (average)
4.03%
4.82%
December
4.69%
5.82%
November
4.92%
5.74%
October
5.01%
5.70%
September
4.44%
5.54%
August
4.34%
5.54%
July
4.52%
5.54%
June
4.37%
5.10%
May
3.89%
4.66%
April
3.72%
4.23%
March
3.14%
3.64%
February
2.74%
3.20%
January
2.52%
3.07%
2021 (average)
1.89%
2.42%
December
2.39%
2.94%
November
2.37%
2.91%
October
2.12%
2.56%
September
1.84%
2.39%
August
1.79%
2.39%
July
1.79%
2.39%
June
1.79%
2.39%
May
1.79%
2.39%
April
1.89%
2.39%
March
1.89%
2.29%
February
1.62%
2.06%
January
1.43%
1.99%
2020 (average)
2.03%
2.43%
December
1.49%
1.99%
November
1.59%
1.99%
October
1.62%
2.04%
September
1.77%
2.05%
August
1.82%
2.22%
July
1.89%
2.39%
June
1.99%
2.42%
May
2.23%
2.65%
April
2.43%
2.88%
March
2.35%
2.68%
February
2.49%
2.86%
January
2.64%
3.01%
2019 (average)
2.79%
3.10%
December
2.58%
2.93%
November
2.40%
2.92%
October
2.52%
2.94%
September
2.53%
2.85%
August
2.59%
2.79%
July
2.68%
2.90%
June
2.68%
2.90%
May
2.84%
3.09%
April
2.92%
3.19%
March
3.15%
3.37%
February
3.32%
3.58%
January
3.30%
3.69%
2018 (average)
3.15%
3.62%
December
3.39%
3.80%
November
3.40%
3.83%
October
3.22%
3.67%
September
3.19%
3.67%
August
3.19%
3.66%
July
3.15%
3.61%
June
3.15%
3.61%
May
3.15%
3.61%
April
3.00%
3.54%
March
3.00%
3.54%
February
3.04%
3.48%
January
2.92%
3.38%
2017 (average)
2.54%
2.89%
December
2.79%
3.29%
November
2.72%
3.29%
October
2.85%
3.28%
September
2.76%
3.16%
August
2.59%
2.99%
July
2.56%
2.78%
June
2.39%
2.49%
May
2.24%
2.54%
April
2.34%
2.67%
March
2.39%
2.72%
February
2.39%
2.72%
January
2.44%
2.74%
2016 (average)
2.34%
2.56%
December
2.42%
2.69%
November
2.25%
2.47%
October
2.24%
2.39%
September
2.34%
2.49%
August
2.34%
2.49%
July
2.34%
2.49%
June
2.34%
2.49%
May
2.34%
2.59%
April
2.34%
2.59%
March
2.34%
2.69%
February
2.39%
2.69%
January
2.44%
2.69%
2015 (average)
2.45%
2.66%
December
2.47%
2.69%
November
2.47%
2.69%
October
2.34%
2.59%
September
2.39%
2.59%
August
2.39%
2.59%
July
2.39%
2.59%
June
2.44%
2.59%
May
2.44%
2.59%
April
2.44%
2.69%
March
2.49%
2.69%
February
2.54%
2.79%
January
2.59%
2.79%
2014 (average)
2.88%
3.04%
December
2.69%
2.89%
November
2.74%
2.89%
October
2.74%
2.89%
September
2.74%
2.89%
August
2.74%
2.89%
July
2.79%
2.99%
June
2.89%
3.04%
May
2.89%
3.04%
April
2.97%
3.15%
March
2.97%
3.15%
February
3.09%
3.29%
January
3.29%
3.39%
5 Year Variable Rate
3.60% - 5.00%
2025 (average)
4.04%
5.06%
November
3.60%
5.00%
October
3.60%
5.00%
September
3.85%
5.00%
August
4.10%
5.00%
July
4.10%
5.00%
June
4.20%
5.12%
May
4.10%
5.00%
April
4.10%
5.00%
March
4.10%
5.00%
February
4.35%
5.25%
January
4.44%
5.44%
2024 (average)
5.52%
6.75%
December
4.35%
5.50%
November
4.84%
5.95%
October
5.10%
6.20%
September
5.25%
6.45%
August
5.50%
6.70%
July
5.50%
6.70%
June
5.75%
7.05%
May
5.99%
7.30%
April
5.99%
7.30%
March
5.99%
7.30%
February
5.99%
7.30%
January
5.99%
7.30%
2023 (average)
5.77%
6.96%
December
5.99%
7.30%
November
5.99%
7.30%
October
5.99%
7.30%
September
5.99%
7.30%
August
5.99%
7.30%
July
6.00%
7.19%
June
5.75%
6.85%
May
5.50%
6.60%
April
5.50%
6.60%
March
5.50%
6.60%
February
5.50%
6.60%
January
5.50%
6.60%
2022 (average)
2.94%
3.76%
December
5.25%
6.28%
November
4.75%
5.70%
October
4.75%
5.70%
September
4.25%
4.95%
August
3.50%
4.45%
July
3.50%
4.45%
June
2.46%
3.39%
May
1.95%
2.75%
April
1.78%
2.42%
March
1.13%
1.84%
February
0.99%
1.65%
January
0.99%
1.55%
2021 (average)
1.14%
1.58%
December
0.99%
1.55%
November
0.90%
1.55%
October
1.09%
1.55%
September
1.09%
1.55%
August
1.09%
1.55%
July
1.09%
1.55%
June
1.19%
1.55%
May
1.19%
1.55%
April
1.24%
1.65%
March
1.24%
1.65%
February
1.24%
1.65%
January
1.29%
1.75%
2020 (average)
1.91%
2.24%
December
1.38%
1.79%
November
1.55%
1.80%
October
1.55%
1.90%
September
1.63%
1.88%
August
1.67%
2.00%
July
1.79%
2.04%
June
1.79%
2.04%
May
1.96%
2.23%
April
2.02%
2.40%
March
2.24%
2.64%
February
2.70%
3.10%
January
2.70%
3.10%
2019 (average)
2.70%
3.20%
December
2.70%
3.10%
November
2.70%
3.10%
October
2.70%
3.10%
September
2.70%
3.10%
August
2.70%
3.10%
July
2.70%
3.10%
June
2.70%
3.10%
May
2.70%
3.20%
April
2.75%
3.20%
March
2.75%
3.40%
February
2.70%
3.45%
January
2.65%
3.45%
2018 (average)
2.34%
2.89%
December
2.65%
3.35%
November
2.65%
3.25%
October
2.48%
3.02%
September
2.40%
2.80%
August
2.40%
2.80%
July
2.40%
2.80%
June
2.15%
2.60%
May
2.19%
2.55%
April
2.21%
2.85%
March
2.21%
2.85%
February
2.21%
2.85%
January
2.17%
2.94%
2017 (average)
1.91%
2.46%
December
1.98%
2.75%
November
1.98%
2.75%
October
2.05%
2.75%
September
2.15%
2.67%
August
1.90%
2.50%
July
1.95%
2.50%
June
1.75%
2.25%
May
1.75%
2.25%
April
1.80%
2.25%
March
1.80%
2.30%
February
1.80%
2.30%
January
2.05%
2.30%
2016 (average)
2.08%
2.30%
December
2.05%
2.30%
November
2.05%
2.30%
October
2.05%
2.30%
September
2.05%
2.30%
August
2.05%
2.30%
July
2.05%
2.30%
June
2.05%
2.30%
May
2.10%
2.30%
April
2.10%
2.30%
March
2.10%
2.30%
February
2.15%
2.30%
January
2.15%
2.30%
2015 (average)
1.97%
2.19%
December
2.10%
2.20%
November
2.02%
2.13%
October
1.90%
2.05%
September
1.90%
2.05%
August
1.85%
2.05%
July
1.92%
2.25%
June
2.05%
2.25%
May
1.98%
2.25%
April
1.98%
2.25%
March
1.98%
2.25%
February
1.98%
2.25%
January
1.95%
2.25%
2014 (average)
2.31%
2.44%
December
2.10%
2.35%
November
2.15%
2.35%
October
2.15%
2.35%
September
2.20%
2.35%
August
2.25%
2.35%
July
2.30%
2.50%
June
2.40%
2.50%
May
2.40%
2.50%
April
2.40%
2.50%
March
2.40%
2.50%
February
2.40%
2.50%
January
2.58%
2.50%
Canada's Housing Markets: Activity showing slow recovery amid disrupted U.S. trade relations.
Canadian housing markets remain affected by U.S. trade disruptions, with the resulting volatility evident in slow recovery and sluggish activity in many centres.
In October 2025, national housing activity cooled, despite another Bank of Canada policy rate cut. Another cut came at the end of October — will activity improve as 2025 comes to a close?
National average home sales were down by 4.4% in October compared to the same month last year, and the average home price also decreased slightly by 1.1% to $690,852.
Overall, new listings across Canadian centres rose, except for declines in BC's Greater Vancouver Area (GVA) and Victoria. The country showed a balanced market overall, with a seller's market still dominant in some centres, and the Greater Toronto Area (GTA) a buyer's market outlier.
Read more:
Housing Stats
Housing Market Forecast (2025-2029)
Rate Forecast (2025-2030)
Canada Housing Market Update
Canada October 2025 Housing Statistics
| Number Sold | % YOY | Average Price | % YOY | New Listings | % YOY | Sales to Listing Ratio | Market | |
|---|---|---|---|---|---|---|---|---|
| GTA | 5,646 | -8.2 | 1,047,140 | -7.3 | 14,801 | +3.0 | 38 | Buyers |
| Calgary | 2,490 | -12.3 | 664,393 | +4.0 | 4,441 | +0.0 | 56 | Balanced |
| GVA | 2,066 | -13.5 | 1,263,468 | +1.3 | 4,962 | -4.0 | 42 | Balanced |
| Montreal | 4,015 | +2.4 | 676,962 | +8.3 | 6,135 | +7.2 | 65 | Sellers |
| Ottawa | 1,082 | +2.5 | 729,161 | +5.3 | 2,020 | +13.0 | 54 | Balanced |
| Quebec City | 974 | +14.3 | 472,033 | +9.6 | 1,081 | +11.6 | 90 | Sellers |
| Winnipeg | 1,162 | -1.2 | 417,129 | +4.2 | 1,590 | +1.4 | 79 | Sellers |
| Victoria | 580 | -3.0 | 1,073,910 | +9.7 | 1,079 | -4.2 | 54 | Balanced |
| Halifax | 485 | +2.5 | 620,539 | +4.1 | 625 | +2.3 | 78 | Sellers |
Data Source: Sagen Housing Market Updates
Have rate questions? We have the answers
Variable vs Fixed Mortgage Rates
Which rate type works best for you, variable or fixed? Some pros and cons to help you decide.
First-Time Home Buyers
Get the best start and save a pile of cash with our mortgage experts.
How Government Bond Yields Relate To Mortgage Rates
Want to know where fixed rates are going? Watch bond yields.
Your best rate lives here. Get yours today.
Other Mortgage Rates
Mortgage Rates are different across Canada. Rates are shown based on your location. If you're planning to purchase out-of-province, be sure to choose rates where the property will be located.
Canada Wide Mortgages
True North Mortgage can efficiently complete your mortgage anywhere you are in Canada — online, over the phone or at our store locations.
British Columbia
- Abbotsford ,
- Burnaby ,
- Chilliwack ,
- Coquitlam ,
- Courtenay ,
- Kamloops ,
- Kelowna ,
- Nanaimo ,
- New Westminster ,
- Prince George ,
- Richmond ,
- Saanich ,
- Surrey ,
- Vancouver ,
- Vernon ,
- Victoria ,
- White Rock
Alberta
- Airdrie ,
- Calgary ,
- Edmonton ,
- Fort McMurray ,
- Grande Prairie ,
- Lethbridge ,
- Lloydminster ,
- Medicine Hat ,
- Red Deer
Saskatchewan
Manitoba
Ontario
- Barrie ,
- Belleville ,
- Brampton ,
- Brantford ,
- Burlington ,
- Cornwall ,
- Guelph ,
- Hamilton ,
- Kanata ,
- Kingston ,
- Kitchener ,
- London ,
- Markham ,
- Milton ,
- Mississauga ,
- Niagara Falls ,
- North Bay ,
- Oakville ,
- Oshawa ,
- Ottawa ,
- Peterborough ,
- Sarnia ,
- Sault Ste. Marie ,
- St. Catharines ,
- Sudbury ,
- Thunder Bay ,
- Toronto ,
- Vaughan ,
- Windsor ,
- Woodstock
Quebec
Atlantic Canada
- Charlottetown ,
- Fredericton ,
- Halifax ,
- Moncton ,
- Saint John ,
- St. John's