As of October 26, 2026
Rate data
The big-bank consensus prime is 4.45% in the October 26, 2026 rate file. The pages below are built from that file, from rates self-reported by Canadian borrowers online, and from cited Bank of Canada and bank economics sources.
Pages built from the rate file
- Prime rate in Canada todayBig-bank prime, scraped lender primes, and the Bank of Canada policy rate
- What breaking a 5-year fixed costsPosted-rate IRD illustration for the Big Five, from today's rate file
- Mortgage rate-change trackerDated log of published rate moves across the lenders in the rate file
- Bond yield and 5-year fixed spreadLowest and Big Five median 5-year fixed versus the Canada 5-year bond
- Mortgage rate forecast 2027Published bank forecasts for the policy rate and 5-year yields
- Discount below posted, by bankMedian points below each lender's own posted rate, when N is at least 10
- Real mortgage ratesMedian rates self-reported by Canadian borrowers online, versus posted rates
- October 2026 rate reportThe monthly written report on reported rates versus posted rates
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.
- Prime rate in Canada todayBig-bank prime, scraped lender primes, and the Bank of Canada policy rate
- What breaking a 5-year fixed costsPosted-rate IRD illustration for the Big Five, from today's rate file
- Mortgage rate-change trackerDated log of published rate moves across the lenders in the rate file
- Bond yield and 5-year fixed spreadLowest and Big Five median 5-year fixed versus the Canada 5-year bond
- Mortgage rate forecast 2027Published bank forecasts for the policy rate and 5-year yields
- Discount below posted, by bankMedian points below each lender's own posted rate, when N is at least 10
- Real mortgage ratesMedian rates self-reported by Canadian borrowers online, versus posted rates
- October 2026 rate reportThe monthly written report on reported rates versus posted rates