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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: 2.34%

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

Everyday Rate: 2.49%

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

Limited Rate: --

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3 Year

Everyday Rate: 2.89%

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

Limited Rate: 2.39%

  • 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: 2.89%

  • 30 year amortization and refinances available
  • 15% lump sum payments allowed.
  • 15% increase to regular payments. 
  • Must close in 90 days

Limited Rate: 2.74%

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

Everyday Rate: 2.99%

  • 25 year amortization and refinances available
  • 20% lump sum payments allowed
  • 20% increase to regular payments
  • 30yr amortization @ 3.04%

Limited Rate: 2.59%

  • High Ratio Purchase and Transfer Only
  • Restricted Pre-Payment Options
  • Must close in 40 days
  • Other Conditions May Apply
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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: --

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Variable Mortgages - Closed

Term

Everyday Rate

Limited Rate

5 Year

Everyday Rate: 2.50%

  • 30 year amortization and refinances available
  • Prime - 0.45%
  • 15% lump sum payments allowed.
  • 15%+ increase to regular payments. 

Limited Rate: 1.90%

  • Prime -1.05%
  • High Ratio Purchase and Transfer Only
  • Restricted Pre-Payment Options
  • Must close in 40 days
  • Other Conditions May Apply
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Variable Mortgages - Open

Term

Everyday Rate

Limited Rate

HELOC

Everyday Rate: 3.45%

  • Prime +0.50%

Limited Rate: --

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