Latest Mortgage Rates Canada
Compare current rates from Canada's top lenders including Big 6 Banks and monoline lenders. Updated twice daily.
Compare Canadian mortgages
Mid-funnel guides for fixed vs variable, insured vs uninsured, and high-intent lender pairs. Live percentages come from the same daily feed as our rate hubs — we never invent a current rate.
Product comparisons
Start here if you are choosing a structure, then jump into 5-year fixed, variable, insured, and uninsured hubs.
Fixed vs Variable
Choosing between a fixed and a variable mortgage is one of the highest-intent decisions Canadian buyers and renewers make. A fixed rate locks your contract rate for the term so the…
Live 5-year fixed: insured 4.06% · uninsured 4.09%
Insured vs Uninsured
Insured (high-ratio) mortgages are for purchases with less than 20% down, up to the current federal price cap. You pay default insurance (CMHC, Sagen, or Canada Guaranty), and lend…
Live 5-year fixed: insured 4.06% · uninsured 4.09%
Lender vs lender
Pairs grounded in how Canadians actually shop this site: digital vs Big 5, bank vs bank, and digital vs digital. Each page uses real lender slugs from our feed.
Wealthsimple vs TD
Licensed digital brokerage. Brokers shop partner lenders. Cash-back promos may apply on new mortgages; coverage is not Canada-wide.
Wealthsimple: 4.19% · TD Bank: 4.94%
TD vs RBC
Big 5 lender with FlexLine, newcomer programs, and a large branch plus digital network. Shop the discounted special, not the posted rate.
TD Bank: 4.94% · Royal Bank of Canada: 4.59%
nesto vs Wealthsimple
Digital mortgage lender with an advertised low-rate guarantee, 150-day rate holds, and a fully online application backed by licensed experts.
nesto: 4.39% · Wealthsimple: 4.19%
BMO vs CIBC
Big 5 lender with Smart Fixed mortgages, a full HELOC, and online pre-approval. Competitive when the discounted special is in writing.
Bank of Montreal: 4.74% · Canadian Imperial Bank of Commerce: 4.59%
Mortgage Negotiation Guide
Save $5,000-$25,000 with insider secrets banks don't want you to know.
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Jump to today’s 5-year fixed, variable, insured, and uninsured mortgage rates.