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Mortgage Rates
Variable closed: 2.85% 1 year closed: 2.69% 3 year closed: 2.69% 5 year closed: 2.79% 10 year closed: 3.44% 
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Mortgage Rates
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Current Mortgage Rates from Super Brokers
| Mortgage Type or Term |
Current Rates (%) |
Previous Rates (%) |
Rate Change (%) |
Last Date of Change |
| Variable rate | 2.85 | 2.36 | +0.49 percentage points | Nov 26, 2018 |
| 6 month rate | 4.50 | 4.09 | +0.41 percentage points | Nov 26, 2018 |
| 1 year rate | 2.69 | 3.29 | -0.60 percentage points | Oct 31, 2019 |
| 2 year rate | 2.69 | 3.14 | -0.45 percentage points | Oct 31, 2019 |
| 3 year rate | 2.69 | 2.64 | +0.05 percentage points | Oct 31, 2019 |
| 4 year rate | 2.69 | 3.19 | -0.50 percentage points | Oct 31, 2019 |
| 5 year rate | 2.79 | 2.59 | +0.20 percentage points | Oct 31, 2019 |
| 7 year rate | 3.49 | 3.59 | -0.10 percentage points | May 8, 2019 |
| 10 year rate | 3.44 | 4.04 | -0.60 percentage points | May 8, 2019 |
Mortgage Rate Comparison
Compare mortgage rates with other banks and lenders using our mortgage rate comparison chart below. All rates are updated daily and are for Canadian residents only.
Find the best residential mortgage rates in Canada*
Tip: Click any two mortgage rates to compare typical payment amounts & interest. Click the mortgage term links to change the sorting of the table, based on the mortgage rate, best to worst, and vice versa.
| Financial Institution |
Mortgage Type/Term | ||||||
| VariableVar | 6 MthMo | 1 YearYr | 2 YearYr | 3 YearYr | 4 YearYr | 5 YearYr | |
| Our Mortgage Rates** | 2.85 | 4.50 | 2.69 | 2.69 | 2.69 | 2.69 | 2.79 |
| Alterna Bank/Savings | 2.94 | 4.40 | 3.64 | 2.19 | 2.79 | 4.94 | 2.84 |
| Tangerine | 3.25 | - | 3.49 | 2.74 | 2.79 | 2.94 | 2.89 |
| HSBC Bank Canada | 2.94 | 3.19 | 3.09 | 2.84 | 2.84 | 2.89 | 2.84 |
| Canadian Western Bank/Trust | 3.35 | 3.94 | 2.94 | 2.84 | 2.89 | 2.89 | 2.94 |
| Steinbach Credit Union | - | - | 3.25 | 2.89 | 2.89 | 2.89 | 2.99 |
| Libro Credit Union | - | 4.75 | 2.94 | 2.94 | 2.99 | 2.99 | 2.99 |
| First National Financial | 3.95 | 4.49 | 3.99 | 3.19 | 3.09 | 3.09 | 3.09 |
| ATB Financial | 3.15 | 4.50 | 3.39 | 3.49 | 3.49 | 3.54 | 2.89 |
| Manulife | 4.45 | 4.45 | 3.69 | 3.69 | 3.69 | 3.74 | 3.79 |
| Comtech Fire Credit U. | - | 6.20 | 3.39 | 3.49 | 3.69 | 3.74 | 3.49 |
| Parama Credit Union | 3.70 | - | 3.50 | 3.60 | 3.70 | 3.80 | 3.90 |
| Kindred Credit Union | 3.95 | - | 3.65 | 3.70 | 3.70 | 3.75 | 3.49 |
| Meridian Credit Union | 3.15 | 4.00 | 3.24 | 3.49 | 3.74 | 3.89 | 2.84 |
| Peace Hills Trust | - | 4.50 | 3.35 | 3.50 | 3.75 | 4.05 | 4.25 |
| FirstOntario Credit Union | 3.40 | 4.94 | 3.69 | 3.74 | 3.79 | 3.89 | 3.09 |
| Home Trust | 3.00 | - | 3.99 | 3.54 | 3.79 | 3.85 | 2.79 |
| TD Canada Trust | 4.10 | 3.34 | 3.59 | 3.74 | 3.89 | 3.94 | 5.34 |
| Simplii Financial | 3.95 | 6.19 | 3.39 | 3.39 | 3.89 | 4.39 | 4.99 |
| National Bank | 3.95 | 4.50 | 3.39 | 3.49 | 3.94 | 4.89 | 5.19 |
| CIBC | 3.95 | 3.75 | 3.39 | 3.39 | 3.94 | 4.49 | 5.34 |
| Rapport Credit Union | 3.70 | 6.00 | 3.54 | 3.59 | 4.04 | 4.44 | 5.19 |
| Investors Group Trust | 3.70 | 4.20 | 3.49 | 3.59 | 4.14 | 4.89 | 5.34 |
| London Life | 3.70 | 4.20 | 3.49 | 3.59 | 4.14 | 4.89 | 5.34 |
| Bank of Montreal | 4.10 | 4.20 | 3.64 | 3.89 | 4.29 | 4.89 | 5.19 |
| Laurentian Bank of Canada | 3.95 | 4.40 | 3.69 | 3.89 | 4.34 | 4.89 | 5.19 |
| Desjardins - Caisses | 3.95 | 4.40 | 3.69 | 3.89 | 4.34 | 4.89 | 5.19 |
| Luminus Financial | 4.00 | - | 4.10 | 4.20 | 4.35 | 4.80 | 5.34 |
| Scotiabank | 4.15 | 4.75 | 3.64 | 3.74 | 4.39 | 4.59 | 5.19 |
| Equitable Bank | - | - | 3.64 | 3.89 | 4.45 | 4.99 | 5.19 |
| RBC Royal Bank | 3.95 | 3.64 | 3.64 | 3.89 | 4.45 | 4.99 | 5.19 |
| Effort Trust | - | 4.50 | 4.40 | 4.50 | 4.75 | 4.90 | 4.95 |
* These rates are the most widely available rates across Canada. The products these rates are meant to represent are available to approximately 90% of Canadians with good credit and income.
** These are the lowest mortgage rates known to us. We can not guarantee the availability of these rates in your area, and restrictions may apply. Call Super Brokers to learn what rates are available to you at 1-800-604-1864.
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Mortgage Rate History
Take a glimpse at how mortgage rates have increased and decreased in the last decade.
See the Prime Rate
The current prime rate, info on how it works, and the implications for variable rate mortgages.
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