Royal Bank of Canada Mortgage Rates
Compare current Royal Bank of Canada mortgage rates in Canada
Canada's largest bank, powering homeownership coast to coast.
Best Royal Bank of Canada Rates
Lowest rates by product type
Rate Overview
Best rate for each term and product type
| Term | Fixed Insured | Fixed Uninsured | Variable Insured | Variable Uninsured |
|---|---|---|---|---|
| 6 months | — | 5.49% | — | — |
| 1 year | — | 4.89% | — | — |
| 2 years | — | 4.64% | — | — |
| 3 years | — | 4.59% | — | — |
| 4 years | — | 4.69% | — | — |
| 5 years | 4.39% | 4.69% | 3.65% | 3.95% |
| 7 years | — | 5.00% | — | — |
Fixed Rate Mortgages
Lock in your rate for the term of your mortgage
6 months
1 option1 year
1 option2 years
1 option3 years
1 option4 years
1 option5 years
2 options7 years
1 optionVariable Rate Mortgages
Rates change with the prime rate
5 years
2 optionsAbout Royal Bank of Canada
RBC Royal Bank is Canada's largest bank and a dominant force in the residential mortgage market. Known for stability, competitive fixed and variable mortgage rates, and a vast branch network, RBC serves millions of Canadian homeowners. Their mortgage offerings include fixed-rate mortgages, variable-rate mortgages, and the RBC Homeline Plan — a flexible home equity line of credit that lets you borrow up to 65% of your home's value. RBC offers online mortgage pre-approval with rate holds up to 120 days, making it easy to shop with confidence. Whether you're a first-time homebuyer navigating the stress test or a seasoned investor, RBC's mortgage advisors provide tailored guidance across Canada.
Mortgage Specialties
Unique Features
- Rate hold up to 120 days
- Online pre-approval
- RBC Homeline Plan for equity access
- Nationwide branch network
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