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Bank of Canada Rates
Prime rate        Prime rate Variable mortgage rates are quoted as Prime plus or minus a constant. For example: Prime + .10% or Prime - 0.90%. When there is a change in the prime rate, your variable rate mortgage adjusts accordingly. 3.00% Qualifying rate        Qualifying rate For a variable mortgage or fixed mortgage with a 1-4 year term, lenders are required to use the qualifying rate when determining how much you can afford. Therefore if say, a variable rate increases in the future, you will still be able to afford your mortgage payments. 5.44%

Closed mortgage rates

          Closed mortgage rates Closed mortgage rates are the most popular, standard form in Canada. A closed mortgage simply means you pay off your principal on a pre-determined schedule. If you want to put a lump sum against your principal beyond your pre-payment options, you will incur a penalty.
Term Lowest Fixed
Mortgage Rates 		Lowest Variable
Mortgage Rates
1-Year
True North Mortgage 		2.64% See All
2-Year
Safebridge 		2.85% See All
3-Year
True North Mortgage 		2.89% See All
Dominion Lending Centres 		2.90%
Prime - 0.10 		See All
4-Year
Safebridge 		3.09% See All
5-Year
True North Mortgage 		3.09% See All
True North Mortgage 		2.80%
Prime - 0.20 		See All
6-Year
PC Financial 		3.69% See All
7-Year
True North Mortgage 		3.79% See All
8-Year
Safebridge 		3.89% See All
9-Year
Safebridge 		3.89% See All
10-Year
The Mortgage Emporium 		3.79% See All

HELOC Rates

          HELOC Rates A HELOC rate is a variable interest rate on a line of credit that is secured by your home. As the equity in your home grows, you are able to borrow back up to 80% at the HELOC rate.
HELOC        HELOC Rates A HELOC rate is a variable interest rate on a line of credit that is secured by your home. As the equity in your home grows, you are able to borrow back up to 80% at the HELOC rate.
The Mortgage Emporium 		3.50%
Prime + 0.50 		See All
All-in-One        All-in-One HELOC An 'All-in-One' rate is one that combines a HELOC with your savings and deposit accounts. So, any deposits offset your debt in a daily interest calculation.
Manulife One 		3.50%
Prime + 0.50 		See All

Cash back mortgage

          Cash back mortgage A cash back mortgage returns a lump sum, usually 3-7%, when your mortgage closes. If your principal is, for example, $300,000, a 5% cash back would return to you $15,000 when your mortgage closes.
5-Year
The Mortgage Emporium 		4.73%
5% Cash Back 		See All
6-Year
TD Bank 		6.16%
5% Cash Back 		See All
7-Year
PC Financial 		5.24%
5% Cash Back 		See All
10-Year
PC Financial 		5.54%
5% Cash Back 		See All

Fixed - Open

          Open mortgage rates Open mortgage rates allow you to pay off as much of your principal as you please whenever you wish, without penalty. Open mortgage rates are less popular than closed mortgage rates, but are often used for a short-term mortgage. nWww Mortagefindamortgage R D Find Gv Kuaibo Szh 1 Mortgage Find A Mortgage Best Mortgage Interest Rates - Find Today's Lowest Variable & Fixed Ratesc Fast i A Mortgage nWww Mortagefindamortgage R D Find Gv Kuaibo Szh 1 Mortgage Find A Mortgage Best Mortgage Interest Rates - Find Today's Lowest Variable & Fixed Ratesp Yield Mortgage Find A Mortgage