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Canada Mortgage Rates

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: 2.69%

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

Everyday Rate: 3.09%

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

Limited Rate: 2.84%

  • HR Only
  • 20% lump sum payments allowed.
  • 20% increase to regular payments.
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3 Year

Everyday Rate: 3.29%

  • 30 year amortization and refinances available
  • 15% / 15%+ prepayment options.
  • 120 day rate hold

Limited Rate: 2.99%

  • High Ratio Only
  • 20% / 20%+ prepayment options. 
  • No Rentals or pre-approvals
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4 Year

Everyday Rate: 3.39%

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

Limited Rate: 3.19%

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

Everyday Rate: 3.49%

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

Limited Rate: 2.99%

  • High Ratio Only
  • 20%/20% pre-payment options
  • Must close in 90 days
  • Bonafide Sales Clause
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10 Year

Everyday Rate: 4.29%

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

Limited Rate: 3.99%

  • 30 year amortization available.
  • 15%+ lump sum payments allowed.
  • 15%+ increase to regular payments.
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Variable Mortgages - Closed

Term

Everyday Rate

Limited Rate

5 Year

Everyday Rate: 2.85%

  • 30 year amortization and refinances available
  • Prime - 0.60%
  • 15% lump sum payments allowed.
  • 15%+ increase to regular payments. 
  • 90 day rate hold

Limited Rate: 2.21%

  • Prime -1.24%
  • High Ratio Only
  • Bona fide sales clause
  • Must close in 90 days
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Variable Mortgages - Open

Term

Everyday Rate

Limited Rate

HELOC

Everyday Rate: 3.95%

  • Prime +0.50%

Limited Rate: --

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