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Canada Mortgage Rates

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. 
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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: 2.29%

  • High Ratio Purchase and Transfer Only
  • 20% Lump sum and 20% pre-payment options
  • Must close within 90 days
  • Bona-fide Sales Clause
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10 Year

Everyday Rate: 3.69%

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

Limited Rate: 3.64%

  • 25 year amortization maximum.
  • 20% lump sum payments allowed.
  • 20% increase to regular payments.
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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: 1.80%

  • High Ratio Purchase and Switch Only
  • Owner Occupied Properties Only
  • Must close within 90 days
  • Bona-fide Sales Clause
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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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