Best Mortgage Rates in Guelph 2026
Compare the lowest rates from Guelph lenders and find your perfect mortgage
Current Guelph Mortgage Rates
Updated daily with the best rates from Guelph-area lenders.
5-Year Fixed Rate
4.09%
Starting from
5-Year Variable Rate
3.57%
Starting from
Guelph Housing Market Overview
Guelph is a growing community in Ontario with a population of approximately 135,000. The local housing market offers a range of options from detached homes to condos, with average prices reflecting the city's desirability and growth.
Average Home Prices (2026)
Detached Homes
$800,000
Semi-Detached
$600,000
Townhouses
$500,000
Condos
$400,000
Guelph-Specific Considerations
- Land Transfer Tax: Ontario provincial LTT only. First-time buyer rebate up to $4,000.
- Market Trends: Guelph continues to attract buyers due to its proximity to major employment centers.
- Lender Options: Buyers in Guelph have access to major banks, local credit unions, and online lenders.
First-Time Home Buyers in Guelph
Guelph offers opportunities for first-time buyers with various programs and strategies:
Government Programs
Maximize your first-time buyer rebates. Guelph buyers qualify for up to $4,000 in Ontario LTT rebates. Use the FHSA ($40,000 tax-free) and HBP ($60,000 from RRSP) to boost your down payment.
Local Credit Unions
Guelph has several credit unions that offer competitive rates and first-time buyer programs with flexible qualification criteria.
Work with a Broker
A local mortgage broker can shop 20+ lenders to find the best rate for your Guelph purchase.
Lenders in Guelph
Major Banks
RBC, TD, Scotiabank, BMO, CIBC
Established lenders with branches in Guelph
Credit Unions
Local credit unions
Competitive rates, community focus
Monoline Lenders
MCAP, First National, CMLS
Often lowest rates, broker-only access
Online Lenders
Tangerine, EQ Bank, Motusbank
Digital-first, competitive rates
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Tools for Guelph Home Buyers
Free calculators to help you plan your Guelph home purchase. Calculate affordability, payments, taxes, and total costs.
Affordability Calculator
How much home can you afford in Guelph?
Payment Calculator
Monthly payments for Guelph home prices
Land Transfer Tax
Ontario transfer taxes & rebates
Closing Costs
Total fees to buy in Guelph
CMHC Calculator
Insurance for under 20% down
Rent vs Buy
Should you rent or buy in Guelph?