Latest Mortgage Rates

As of October 26, 2026

Mortgage rate-change tracker

In the 30 days from September 27, 2026 to October 26, 2026, 22 lenders finished with a higher published 5-year fixed than they started, and none finished lower. The log records 58 five-year fixed advertised-rate changes in that window. 3 lenders cut a 5-year fixed at some point in the window, including cuts that were later reversed.

Last 30 days, 5-year fixed

A lender counts as higher or lower only by comparing the rate at the start of the window with the rate at the end. A cut that was followed by a larger hike finishes higher, so it is not counted as a lender that cut. The count is of lenders, across insured and uninsured rows, not of individual products.

Finished higher
22 lenders
Finished lower
0 lenders
Advertised-rate changes
58
DateLenderProductFromTo
October 25, 2026Home Trustinsured 5-year fixed4.49%4.99% (hike)
October 24, 2026Equitable Bankuninsured 5-year fixed4.89%5.59% (hike)
October 24, 2026Home Trustinsured 5-year fixed4.99%4.49% (cut)
October 24, 2026Equitable Bankuninsured 5-year fixed5.59%4.89% (cut)
October 23, 2026Equitable Bankuninsured 5-year fixed4.89%5.59% (hike)
October 23, 2026Equitable Bankuninsured 5-year fixed5.59%4.89% (cut)
October 22, 2026Desjardinsuninsured 5-year fixed4.69%4.89% (hike)
October 20, 2026Manulife Bankuninsured 5-year fixed4.89%5.04% (hike)
October 20, 2026Manulife Bankinsured 5-year fixed4.79%4.89% (hike)
October 20, 2026Manulife Bankinsurable 5-year fixed4.94%5.04% (hike)
October 17, 2026Tangerineuninsured 5-year fixed4.69%5.04% (hike)
October 17, 2026National Bank of Canadauninsured 5-year fixed5.04%5.14% (hike)
October 16, 2026RFA Bankuninsured 5-year fixed4.29%5.29% (hike)
October 15, 2026Equitable Bankuninsured 5-year fixed4.89%5.59% (hike)
October 15, 2026Equitable Bankuninsured 5-year fixed5.59%4.89% (cut)
October 15, 2026TD Bankuninsured 5-year fixed5.34%5.39% (hike)
October 15, 2026TD Bankinsured 5-year fixed5.34%5.39% (hike)
October 13, 2026Coast Capital Savingsuninsured 5-year fixed4.81%4.86% (hike)
October 9, 2026Simplii Financialuninsured 5-year fixed5.14%5.34% (hike)
October 9, 2026Canadian Imperial Bank of Commerceinsured 5-year fixed4.79%4.99% (hike)
October 9, 2026Canadian Imperial Bank of Commerceuninsured 5-year fixed5.14%5.34% (hike)
October 8, 2026Wealthsimpleinsured 5-year fixed4.44%4.49% (hike)
October 7, 2026Equitable Bankuninsured 5-year fixed4.89%5.59% (hike)
October 7, 2026Butler Mortgageinsured 5-year fixed4.29%4.44% (hike)
October 7, 2026Bank of Montrealuninsured 5-year fixed4.94%5.14% (hike)
October 7, 2026Bank of Montrealinsured 5-year fixed4.84%4.99% (hike)
October 7, 2026True North Mortgageinsured 5-year fixed4.49%4.59% (hike)
October 7, 2026True North Mortgageuninsured 5-year fixed4.69%4.79% (hike)
October 6, 2026Home Trustuninsured 5-year fixed5.88%6.51% (hike)
October 6, 2026ATB Financialuninsured 5-year fixed4.34%4.59% (hike)
October 6, 2026ATB Financialinsured 5-year fixed4.14%4.34% (hike)
October 6, 2026Royal Bank of Canadainsured 5-year fixed4.74%4.84% (hike)
October 6, 2026Royal Bank of Canadauninsured 5-year fixed5.04%5.14% (hike)
October 5, 2026Coast Capital Savingsuninsured 5-year fixed4.76%4.81% (hike)
October 5, 2026Coast Capital Savingsinsured 5-year fixed4.21%4.51% (hike)
October 3, 2026Wealthsimpleinsured 5-year fixed4.40%4.44% (hike)
October 2, 2026Manulife Bankuninsured 5-year fixed4.79%4.89% (hike)
October 2, 2026Manulife Bankinsured 5-year fixed4.59%4.79% (hike)
October 2, 2026Manulife Bankinsurable 5-year fixed4.79%4.94% (hike)
October 2, 2026Meridian Credit Unioninsured 5-year fixed4.51%4.59% (hike)
October 2, 2026National Bank of Canadauninsured 5-year fixed4.99%5.04% (hike)
October 2, 2026Meridian Credit Unioninsured 5-year fixed4.49%4.51% (hike)
October 2, 2026Alterna Bankuninsured 5-year fixed4.74%5.04% (hike)
October 2, 2026Alterna Bankinsured 5-year fixed4.44%4.69% (hike)
September 30, 2026Home Trustinsured 5-year fixed4.79%4.99% (hike)
September 29, 2026Equitable Bankuninsured 5-year fixed4.69%4.89% (hike)
September 29, 2026Butler Mortgageunspecified 5-year fixed4.14%4.29% (hike)
September 29, 2026Simplii Financialuninsured 5-year fixed4.94%5.14% (hike)
September 29, 2026Canadian Imperial Bank of Commerceinsured 5-year fixed4.59%4.79% (hike)
September 29, 2026Canadian Imperial Bank of Commerceuninsured 5-year fixed4.94%5.14% (hike)
September 29, 2026TD Bankuninsured 5-year fixed5.14%5.34% (hike)
September 29, 2026TD Bankinsured 5-year fixed5.14%5.34% (hike)
September 28, 2026Manulife Bankuninsured 5-year fixed4.84%4.79% (cut)
September 28, 2026Wealthsimpleinsured 5-year fixed4.34%4.40% (hike)
September 27, 2026nestouninsured 5-year fixed4.89%5.09% (hike)
September 27, 2026nestoinsured 5-year fixed4.39%4.59% (hike)
September 27, 2026CMLS Financialuninsured 5-year fixed5.20%5.44% (hike)
September 27, 2026First Nationaluninsured 5-year fixed4.39%4.99% (hike)

Latest changes, any product

The committed history holds 1,261 changes, backfilled from git snapshots of the rate file beginning March 1, 2026. The newest 25 are below. The full log stays in the data file and is not loaded into the page.

DateLenderProductFieldFromTo
October 25, 2026Home Trustinsured 5-year fixedadvertised4.49%4.99%
October 25, 2026Home Trustinsured 4-year fixedadvertised4.39%5.44%
October 25, 2026Home Trustinsured 3-year fixedadvertised4.34%5.12%
October 25, 2026Home Trustinsured 2-year fixedadvertised4.44%5.17%
October 25, 2026Home Trustinsured 1-year fixedadvertised4.99%5.90%
October 24, 2026Equitable Bankuninsured 5-year fixedadvertised4.89%5.59%
October 24, 2026Equitable Bankuninsured 4-year fixedadvertised5.09%6.44%
October 24, 2026Equitable Bankuninsured 3-year fixedadvertised4.94%5.49%
October 24, 2026Home Trustinsured 5-year fixedadvertised4.99%4.49%
October 24, 2026Home Trustinsured 4-year fixedadvertised5.44%4.39%
October 24, 2026Home Trustinsured 3-year fixedadvertised5.12%4.34%
October 24, 2026Home Trustinsured 2-year fixedadvertised5.17%4.44%
October 24, 2026Home Trustinsured 1-year fixedadvertised5.90%4.99%
October 24, 2026Equitable Bankuninsured 5-year fixedadvertised5.59%4.89%
October 24, 2026Equitable Bankuninsured 4-year fixedadvertised6.44%5.09%
October 24, 2026Equitable Bankuninsured 3-year fixedadvertised5.49%4.94%
October 23, 2026Meridian Credit Unionuninsured 4-year fixedadvertised4.29%4.39%
October 23, 2026Equitable Bankuninsured 5-year fixedadvertised4.89%5.59%
October 23, 2026Equitable Bankuninsured 4-year fixedadvertised5.09%6.44%
October 23, 2026Equitable Bankuninsured 3-year fixedadvertised4.94%5.49%
October 23, 2026Equitable Bankuninsured 5-year fixedadvertised5.59%4.89%
October 23, 2026Equitable Bankuninsured 4-year fixedadvertised6.44%5.09%
October 23, 2026Equitable Bankuninsured 3-year fixedadvertised5.49%4.94%
October 23, 2026Butler Mortgageinsured 3-year fixedadvertised4.34%4.39%
October 23, 2026Butler Mortgageinsured 2-year fixedadvertised4.29%4.34%

The log records a numeric change between two scrapes. That includes a product that was relabelled, a correction, or a scrape that bounced and came back. It is not a list of announcements the lenders published. A product that appears for the first time, or drops out of the file, is not counted as a price change. Open terms are left out.

More rate data

These pages are built from the rate file, the reported-rate file, and cited official sources. Rate data lists all of them.