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As of October 4, 2026, the median 5-year variable rate self-reported by Canadian borrowers online is 3.55% (N = 166) and the median 5-year fixed rate is 4.25% (N = 63). 96% of 5-year variable reports sit below the Big-5 posted median.
The lowest 5-year fixed quotes among 25 Canadian lenders this week start at 4.14% (ATB Financial), from our October 5, 2026 scrape.
The lowest 5-year fixed quotes among 25 Canadian lenders this week start at 4.14% (ATB Financial), from our October 5, 2026 scrape.
As of October 4, 2026, the median 5-year variable rate self-reported by Canadian borrowers online is 3.55% (N = 166) and the median 5-year fixed rate is 4.25% (N = 63). 96% of 5-year variable reports sit below the Big-5 posted median.
The lowest 5-year fixed quotes among 25 Canadian lenders this week start at 4.14% (ATB Financial and Butler Mortgage), from our September 28, 2026 scrape.
The lowest 5-year fixed quotes among 25 Canadian lenders this week start at 4.06% (Coast Capital Savings), from our September 21, 2026 scrape.
This week's top 5-year fixed rates from 25 Canadian lenders, scraped September 15, 2026. See who's offering the lowest rates and how much you could save versus posted bank rates.
The Bank of Canada kept its overnight rate unchanged at 2.25% on September 2, 2026. Here's what that hold means for variable vs fixed mortgages and homeowners facing renewals.
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