RFA Bank Mortgage Rates

Compare current RFA Bank mortgage rates in Canada

Alternative mortgage solutions for non-traditional borrowers.

By Andrew · Last reviewed October 14, 2026Sources: the lender’s public rate pages, collected into the table on this page. Confirm the contract rate, fees, and eligibility with the lender before you apply.

Best RFA Bank Rates

Lowest rates by product type

5-Year Fixed

Insured

No rate available

5-Year Fixed

Uninsured

4.29%

Uninsured

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5-Year Variable

Insured

No rate available

5-Year Variable

Uninsured

3.70%

Uninsured

Spread: Prime - 0.75%

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Rate Overview

Best rate for each term and product type

Best Not offered

Term	Fixed Insured	Fixed Uninsured	Variable Insured	Variable Uninsured
1 year	—	5.19%	—	—
2 years	—	4.54%	—	—
3 years	—	4.34%	—	—
4 years	—	4.39%	—	—
5 years	—	4.29%	—	3.70%Prime - 0.75%

4.29%

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Variable Rate Mortgages

Rates change with the prime rate

5 years

1 option

Best Rate

Uninsured

Spread: Prime - 0.75%

3.70%

Get This Rate

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Mortgage Negotiation Guide

Negotiating your rate could save thousands, depending on your mortgage.

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About RFA Bank

RFA is a Canadian alternative mortgage lender specializing in residential mortgages for borrowers who need flexible solutions beyond what traditional banks offer. RFA provides first and second mortgages, home equity loans, and refinancing options with a focus on quick turnaround times and common-sense underwriting. They serve borrowers with bruised credit, self-employed income, or unique property types that may not fit bank guidelines. Through the broker channel, RFA offers personalized mortgage solutions with competitive alternative rates.