Today's rates
Our current rates for the three most popular terms. Every file is different, so your rate depends on your down payment, the property and your situation.
3 year fixed
4.29%
Same rate for 3 years
Insured5 year fixed
4.39%
Same rate for 5 years
Insured5 year variable
3.45%
Prime minus 1.00%, moves with prime
InsuredWhat does "insured" mean?
These rates are for insured mortgages: less than 20% down, with mortgage default insurance (CMHC, Sagen or Canada Guaranty) added to your mortgage. Because the lender's risk is covered, insured rates are usually the lowest. With 20% or more down, a refinance, a rental or a 30 year amortization, your rate will be different, often a little higher.
Insured vs insurable vs uninsured, explained →Rates as of September 26, 2026. Insured mortgages, on approved credit. Rates can change daily without notice and are not a commitment to lend.
Looking for another term, a conventional or uninsured rate, a rental, a HELOC or a renewal?
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