Collected Nov 13, 2026
Every mortgage rate we collected from Canadian lenders
Short answer
322 closed mortgage rates from 20 Canadian lenders, each read off the lender's own website between Nov 13, 2026 and Nov 13, 2026: posted and special, fixed and variable, insured and uninsured. Filter and sort them, open each source page, or download the whole table as CSV.
| Lowest 20%+ down 5-yr special | 4.59%ATB Financial, Nov 13, 2026 |
|---|---|
| Highest 20%+ down 5-yr special | 5.34%Simplii Financial, Nov 13, 2026 |
| Mortgage | $500,000, 25 years, 5-year term |
| Payment, lowest → highest | $2,792.44 → $3,005.55 |
| Interest gap over the term | $18,020across 22 collected 5-year specials |
Open this example in the calculator →Computed Nov 13, 2026.
| Lender | Term | Type | Insured | Kind | Rate | Fine print (the lender's words) | Source |
|---|---|---|---|---|---|---|---|
| BMO | 6-month | Fixed | Not split | posted | 5.49% APR 5.67% | — | page |
| Servus Credit Union | 6-month | Fixed | Not split | posted | 5.49% | column value shown; Special Rate column empty. column (posted). Mortgages tab | page as of Oct 15, 2026 |
| Vancity | 6-month | Fixed | Not split | special | 5.49% APR 5.69% | s page doesn | page as of Oct 29, 2026 |
| TD | 6-month | Fixed | Not split | posted | 5.54% APR 5.72% | — | page |
| RBC Royal Bank | 6-month | Fixed | Not split | posted | 5.74% APR 5.99% | — | page |
| National Bank | 6-month | Fixed | Not split | posted | 6.09% APR 6.31% | — | page as of Nov 13, 2026 |
| Scotiabank | 6-month | Fixed | Not split | posted | 6.09% | — | page as of Nov 13, 2026 |
| Meridian Credit Union | 6-month | Fixed | Not split | posted | 7.84% APR 7.98% | The current Meridian Prime Rate is 4.70% as of October 29, 2026. s only date; the rate tables carry no date, so pageAsOf is null). APR basis: $300,000, 25-yr amortization, $300 … | page |
| Vancity | 1-year | Fixed | Insured | special | 4.35% APR 4.45% | s page doesn | page as of Oct 29, 2026 |
| Vancity | 1-year | Fixed | Not split | special | 4.55% APR 4.65% | s page doesn | page as of Oct 29, 2026 |
| Christian Credit Union | 1-year | Fixed | Not split | special | 4.74% | column. Page Christian Credit Union Prime Rate: 4.70% Mortgage qualifying rate: 6.74% | page as of Nov 5, 2026 |
| Lakeland Credit Union | 1-year | Fixed | Insured | special | 4.74% | Insured Mortgages Rates = Member Value Pricing. . No as-of date on page. Full rate table is in a collapsed | page |
| Coast Capital Savings | 1-year | Fixed | Not split | special | 4.84% APR 4.94% | Fixed Rate Mortgages Up to 25 Year Amortization Rate effective 09-Nov-26 Interest rate and approval based on risk profile. | page as of Nov 9, 2026 |
| Lakeland Credit Union | 1-year | Fixed | Uninsured | special | 4.84% | Conventional Mortgages Rates = Member Value Pricing. . No as-of date on page. Full rate table is in a collapsed | page |
| Coast Capital Savings | 1-year | Fixed | Not split | special | 4.94% APR 5.04% | Fixed Rate Mortgages More than 25 Year Amortization Rate effective 09-Nov-26 Interest rate and approval based on risk profile. | page as of Nov 9, 2026 |
| Servus Credit Union | 1-year | Fixed | Not split | special | 4.94% | Special Rate Special rates are for owner occupied properties with amortization of 25 years or less and are subject to Servus lending criteria. Other conditions apply. Effective:… | page as of Oct 15, 2026 |
| Christian Credit Union | 1-year | Fixed | Not split | special | 4.99% | Effective November 5, 2026. Christian Credit Union Prime Rate: 4.70% Mortgage qualifying rate: 6.74% | page as of Nov 5, 2026 |
| First National Financial | 1-year | Fixed | Not split | posted | 5.14% | Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| RBC Royal Bank | 1-year | Fixed | Not split | special | 5.14% APR 5.27% | — | page |
| Bow Valley Credit Union | 1-year | Fixed | Not split | special | 5.20% | Special Rate Rates are subject to change without notice at any time. | page |
| Vision Credit Union | 1-year | Fixed | Not split | posted | 5.24% | Posted Rates Potential Profit Share Rate * rates and conditions are subject to change without notice. Vision Credit Union Prime Rate (Effective Oct. 29, 2026) | 4.70% | page as of Sep 29, 2026 |
| First National Financial | 1-year | Fixed | Not split | posted | 5.29% | Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| BMO | 1-year | Fixed | Not split | posted | 5.49% APR 5.58% | All posted rates | page |
| National Bank | 1-year | Fixed | Not split | special | 5.49% APR 5.61% | — | page as of Nov 13, 2026 |
| National Bank | 1-year | Fixed | Not split | posted | 5.49% APR 5.61% | — | page as of Nov 13, 2026 |
| Scotiabank | 1-year | Fixed | Not split | posted | 5.49% | — | page as of Nov 13, 2026 |
| Servus Credit Union | 1-year | Fixed | Not split | posted | 5.49% | column (posted). Mortgages tab | page as of Oct 15, 2026 |
| Coast Capital Savings | 1-year | Fixed | Not split | posted | 5.50% APR 5.60% | Rate effective 30-Jun-26 Posted fixed mortgage rates are used in Mortgage term break calculations Rate (Up to 25 Year Amortization) | page as of Jun 30, 2026 |
| First National Financial | 1-year | Fixed | Not split | posted | 5.54% | Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| TD | 1-year | Fixed | Not split | posted | 5.69% APR 5.79% | — | page |
| First National Financial | 1-year | Fixed | Insured | posted | 5.74% | Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| First National Financial | 1-year | Fixed | Insurable | posted | 5.74% | Insurable up to 65% LTV s Insurable LTV tier (lender-insured, borrower 20%+ down). Section Rates effective as of Monday, November 9, 2026 for qualified residential properties. R… | page as of Nov 9, 2026 |
| First National Financial | 1-year | Fixed | Insurable | posted | 5.74% | Insurable > 65% - 70% LTV s Insurable LTV tier (lender-insured, borrower 20%+ down). Section Rates effective as of Monday, November 9, 2026 for qualified residential properties.… | page as of Nov 9, 2026 |
| First National Financial | 1-year | Fixed | Insurable | posted | 5.74% | Insurable > 70% - 75% LTV s Insurable LTV tier (lender-insured, borrower 20%+ down). Section Rates effective as of Monday, November 9, 2026 for qualified residential properties.… | page as of Nov 9, 2026 |
| First National Financial | 1-year | Fixed | Insurable | posted | 5.74% | Insurable > 75% - 80% LTV s Insurable LTV tier (lender-insured, borrower 20%+ down). Section Rates effective as of Monday, November 9, 2026 for qualified residential properties.… | page as of Nov 9, 2026 |
| First National Financial | 1-year | Fixed | Uninsured | posted | 5.74% | Conventional Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| RBC Royal Bank | 1-year | Fixed | Not split | posted | 5.74% APR 5.87% | — | page |
| Desjardins | 1-year | Fixed | Not split | posted | 5.79% | — | page as of Nov 13, 2026 |
| First National Financial | 1-year | Fixed | Not split | posted | 5.79% | Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| Tangerine | 1-year | Fixed | Not split | special | 5.99% | s published rates (the page doesn | page |
| First National Financial | 1-year | Fixed | Not split | posted | 6.04% | Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| ATB Financial | 1-year | Fixed | Not split | special | 6.09% APR 6.19% | Client Rates The mortgage loan must be advanced within 120 days of the date of application. | page |
| Meridian Credit Union | 1-year | Fixed | Not split | posted | 6.09% APR 6.19% | The current Meridian Prime Rate is 4.70% as of October 29, 2026. s only date; the rate tables carry no date, so pageAsOf is null). APR basis: $300,000, 25-yr amortization, $300 … | page |
| ATB Financial | 1-year | Fixed | Uninsured | posted | 7.14% | Posted Rates The mortgage loan must be advanced within 120 days of the date of application. | page |
| Lakeland Credit Union | 2-year | Fixed | Insured | special | 4.39% | Insured Mortgages Rates = Member Value Pricing. . No as-of date on page. Full rate table is in a collapsed | page |
| Coast Capital Savings | 2-year | Fixed | Not split | special | 4.43% APR 4.49% | Fixed Rate Mortgages Up to 25 Year Amortization Rate effective 09-Nov-26 Interest rate and approval based on risk profile. | page as of Nov 9, 2026 |
| Lakeland Credit Union | 2-year | Fixed | Uninsured | special | 4.49% | Conventional Mortgages Rates = Member Value Pricing. . No as-of date on page. Full rate table is in a collapsed | page |
| Coast Capital Savings | 2-year | Fixed | Not split | special | 4.53% APR 4.59% | Fixed Rate Mortgages More than 25 Year Amortization Rate effective 09-Nov-26 Interest rate and approval based on risk profile. | page as of Nov 9, 2026 |
| Vancity | 2-year | Fixed | Insured | special | 4.55% APR 4.60% | s page doesn | page as of Oct 29, 2026 |
| Bow Valley Credit Union | 2-year | Fixed | Not split | special | 4.59% | Special Rate Rates are subject to change without notice at any time. | page |
| Servus Credit Union | 2-year | Fixed | Not split | special | 4.59% | Special Rate Special rates are for owner occupied properties with amortization of 25 years or less and are subject to Servus lending criteria. Other conditions apply. Effective:… | page as of Oct 15, 2026 |
| Vancity | 2-year | Fixed | Not split | special | 4.65% APR 4.70% | s page doesn | page as of Oct 29, 2026 |
| Christian Credit Union | 2-year | Fixed | Not split | special | 4.74% | column. Page Christian Credit Union Prime Rate: 4.70% Mortgage qualifying rate: 6.74% | page as of Nov 5, 2026 |
| Simplii Financial | 2-year | Fixed | Not split | special | 4.84% APR 4.86% | — | page as of Nov 13, 2026 |
| BMO | 2-year | Fixed | Not split | posted | 4.94% APR 4.98% | All posted rates | page |
| Coast Capital Savings | 2-year | Fixed | Not split | posted | 5.00% APR 5.06% | Rate effective 30-Jun-26 Posted fixed mortgage rates are used in Mortgage term break calculations Rate (Up to 25 Year Amortization) | page as of Jun 30, 2026 |
| nesto | 2-year | Fixed | Insured | special | 5.09% | The best mortgage rates in Canada right now, as of Friday, November 13, 2026, are the lowest insured rates nesto offers on each term. *Insured mortgage rates. Other conditions a… | page as of Nov 13, 2026 |
| RBC Royal Bank | 2-year | Fixed | Not split | special | 5.14% APR 5.20% | — | page |
| Tangerine | 2-year | Fixed | Not split | special | 5.14% | s published rates (the page doesn | page |
| National Bank | 2-year | Fixed | Not split | special | 5.19% APR 5.26% | — | page as of Nov 13, 2026 |
| National Bank | 2-year | Fixed | Not split | posted | 5.24% APR 5.31% | — | page as of Nov 13, 2026 |
| Scotiabank | 2-year | Fixed | Not split | posted | 5.24% | — | page as of Nov 13, 2026 |
| Simplii Financial | 2-year | Fixed | Not split | posted | 5.24% | — | page as of Nov 13, 2026 |
| Vision Credit Union | 2-year | Fixed | Not split | posted | 5.24% | Posted Rates Potential Profit Share Rate * rates and conditions are subject to change without notice. Vision Credit Union Prime Rate (Effective Oct. 29, 2026) | 4.70% | page as of Sep 29, 2026 |
| First National Financial | 2-year | Fixed | Insured | posted | 5.34% | Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| First National Financial | 2-year | Fixed | Insurable | posted | 5.34% | Insurable up to 65% LTV s Insurable LTV tier (lender-insured, borrower 20%+ down). Section Rates effective as of Monday, November 9, 2026 for qualified residential properties. R… | page as of Nov 9, 2026 |
| First National Financial | 2-year | Fixed | Insurable | posted | 5.34% | Insurable > 65% - 70% LTV s Insurable LTV tier (lender-insured, borrower 20%+ down). Section Rates effective as of Monday, November 9, 2026 for qualified residential properties.… | page as of Nov 9, 2026 |
| First National Financial | 2-year | Fixed | Insurable | posted | 5.34% | Insurable > 70% - 75% LTV s Insurable LTV tier (lender-insured, borrower 20%+ down). Section Rates effective as of Monday, November 9, 2026 for qualified residential properties.… | page as of Nov 9, 2026 |
| First National Financial | 2-year | Fixed | Insurable | posted | 5.34% | Insurable > 75% - 80% LTV s Insurable LTV tier (lender-insured, borrower 20%+ down). Section Rates effective as of Monday, November 9, 2026 for qualified residential properties.… | page as of Nov 9, 2026 |
| First National Financial | 2-year | Fixed | Uninsured | posted | 5.34% | Conventional Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| First National Financial | 2-year | Fixed | Not split | posted | 5.39% | Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| TD | 2-year | Fixed | Not split | posted | 5.39% APR 5.44% | — | page |
| Servus Credit Union | 2-year | Fixed | Not split | posted | 5.49% | column (posted). Mortgages tab | page as of Oct 15, 2026 |
| ATB Financial | 2-year | Fixed | Not split | special | 5.59% APR 5.64% | Client Rates The mortgage loan must be advanced within 120 days of the date of application. | page |
| First National Financial | 2-year | Fixed | Not split | posted | 5.64% | Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| Meridian Credit Union | 2-year | Fixed | Not split | posted | 5.74% APR 5.79% | The current Meridian Prime Rate is 4.70% as of October 29, 2026. s only date; the rate tables carry no date, so pageAsOf is null). APR basis: $300,000, 25-yr amortization, $300 … | page |
| RBC Royal Bank | 2-year | Fixed | Not split | posted | 5.74% APR 5.80% | — | page |
| Desjardins | 2-year | Fixed | Not split | posted | 5.84% | — | page as of Nov 13, 2026 |
| First National Financial | 2-year | Fixed | Not split | posted | 5.89% | Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| First National Financial | 2-year | Fixed | Not split | posted | 6.14% | Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| First National Financial | 2-year | Fixed | Not split | posted | 6.29% | Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| ATB Financial | 2-year | Fixed | Insured | posted | 6.54% | Posted Rates The mortgage loan must be advanced within 120 days of the date of application. | page |
| ATB Financial | 2-year | Fixed | Uninsured | posted | 6.64% | Posted Rates The mortgage loan must be advanced within 120 days of the date of application. | page |
| ATB Financial | 2.5-year | Fixed | Not split | special | 5.34% APR 5.38% | Client Rates The mortgage loan must be advanced within 120 days of the date of application. | page |
| ATB Financial | 2.5-year | Fixed | Insured | posted | 6.24% | Posted Rates The mortgage loan must be advanced within 120 days of the date of application. | page |
| ATB Financial | 2.5-year | Fixed | Uninsured | posted | 6.34% | Posted Rates The mortgage loan must be advanced within 120 days of the date of application. | page |
| nesto | 3-year | Variable | Insured | special | 3.85% | The best mortgage rates in Canada right now, as of Friday, November 13, 2026, are the lowest insured rates nesto offers on each term. *Insured mortgage rates. Other conditions a… | page as of Nov 13, 2026 |
| Lakeland Credit Union | 3-year | Fixed | Insured | special | 4.19% | Insured Mortgages Rates = Member Value Pricing. . No as-of date on page. Full rate table is in a collapsed | page |
| ATB Financial | 3-year | Fixed | Insured | special | 4.29% | Residential Mortgage The mortgage loan must be advanced within 120 days of the date of application. | page |
| Bow Valley Credit Union | 3-year | Fixed | Insured | special | 4.40% | Special Rate Rates are subject to change without notice at any time. | page |
| CIBC | 3-year | Variable | Not split | special | 4.40% APR 4.42% | — | page as of Nov 13, 2026 |
| Lakeland Credit Union | 3-year | Fixed | Uninsured | special | 4.49% | Conventional Mortgages Rates = Member Value Pricing. . No as-of date on page. Full rate table is in a collapsed | page |
| Meridian Credit Union | 3-year | Fixed | Insured | special | 4.49% APR 4.37% | The current Meridian Prime Rate is 4.70% as of October 29, 2026. s only date; the rate tables carry no date, so pageAsOf is null). APR basis: $300,000, 25-yr amortization, $300 … | page |
| Coast Capital Savings | 3-year | Fixed | Not split | special | 4.53% APR 4.57% | Fixed Rate Mortgages Up to 25 Year Amortization Rate effective 09-Nov-26 Interest rate and approval based on risk profile. | page as of Nov 9, 2026 |
| nesto | 3-year | Fixed | Insured | special | 4.54% | The best mortgage rates in Canada right now, as of Friday, November 13, 2026, are the lowest insured rates nesto offers on each term. *Insured mortgage rates. Other conditions a… | page as of Nov 13, 2026 |
| ATB Financial | 3-year | Fixed | Uninsured | special | 4.59% | Residential Mortgage The mortgage loan must be advanced within 120 days of the date of application. | page |
| ATB Financial | 3-year | Fixed | Not split | special | 4.59% APR 4.62% | Client Rates The mortgage loan must be advanced within 120 days of the date of application. | page |
| Servus Credit Union | 3-year | Fixed | Not split | special | 4.59% | Special Rate Special rates are for owner occupied properties with amortization of 25 years or less and are subject to Servus lending criteria. Other conditions apply. Effective:… | page as of Oct 15, 2026 |
| Coast Capital Savings | 3-year | Fixed | Not split | special | 4.63% APR 4.67% | Fixed Rate Mortgages More than 25 Year Amortization Rate effective 09-Nov-26 Interest rate and approval based on risk profile. | page as of Nov 9, 2026 |
| Bow Valley Credit Union | 3-year | Fixed | Not split | special | 4.64% | Special Rate Rates are subject to change without notice at any time. | page |
| Christian Credit Union | 3-year | Fixed | Not split | special | 4.64% | column. Page Christian Credit Union Prime Rate: 4.70% Mortgage qualifying rate: 6.74% | page as of Nov 5, 2026 |
| Vancity | 3-year | Fixed | Insured | special | 4.70% APR 4.73% | s page doesn | page as of Oct 29, 2026 |
| Vancity | 3-year | Fixed | Uninsured | special | 4.75% APR 4.78% | — | page as of Oct 29, 2026 |
| Vancity | 3-year | Fixed | Not split | special | 4.80% APR 4.83% | s page doesn | page as of Oct 29, 2026 |
| Meridian Credit Union | 3-year | Fixed | Not split | special | 4.84% APR 4.87% | The current Meridian Prime Rate is 4.70% as of October 29, 2026. s only date; the rate tables carry no date, so pageAsOf is null). APR basis: $300,000, 25-yr amortization, $300 … | page |
| BMO | 3-year | Fixed | Not split | special | 4.94% APR 4.97% | — | page |
| Tangerine | 3-year | Fixed | Not split | special | 4.94% | s published rates (the page doesn | page |
| CIBC | 3-year | Fixed | Not split | special | 5.09% APR 5.11% | — | page as of Nov 13, 2026 |
| National Bank | 3-year | Fixed | Not split | special | 5.09% APR 5.14% | — | page as of Nov 13, 2026 |
| RBC Royal Bank | 3-year | Fixed | Not split | special | 5.09% APR 5.13% | — | page |
| Simplii Financial | 3-year | Fixed | Not split | special | 5.09% APR 5.11% | — | page as of Nov 13, 2026 |
| First National Financial | 3-year | Fixed | Insured | posted | 5.21% | Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| First National Financial | 3-year | Fixed | Insurable | posted | 5.21% | Insurable up to 65% LTV s Insurable LTV tier (lender-insured, borrower 20%+ down). Section Rates effective as of Monday, November 9, 2026 for qualified residential properties. R… | page as of Nov 9, 2026 |
| First National Financial | 3-year | Fixed | Insurable | posted | 5.21% | Insurable > 65% - 70% LTV s Insurable LTV tier (lender-insured, borrower 20%+ down). Section Rates effective as of Monday, November 9, 2026 for qualified residential properties.… | page as of Nov 9, 2026 |
| First National Financial | 3-year | Fixed | Insurable | posted | 5.21% | Insurable > 70% - 75% LTV s Insurable LTV tier (lender-insured, borrower 20%+ down). Section Rates effective as of Monday, November 9, 2026 for qualified residential properties.… | page as of Nov 9, 2026 |
| First National Financial | 3-year | Fixed | Insurable | posted | 5.21% | Insurable > 75% - 80% LTV s Insurable LTV tier (lender-insured, borrower 20%+ down). Section Rates effective as of Monday, November 9, 2026 for qualified residential properties.… | page as of Nov 9, 2026 |
| First National Financial | 3-year | Fixed | Uninsured | posted | 5.21% | Conventional Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| TD | 3-year | Fixed | Not split | special | 5.24% APR 5.27% | — | page |
| Vision Credit Union | 3-year | Fixed | Not split | posted | 5.24% | Posted Rates Potential Profit Share Rate * rates and conditions are subject to change without notice. Vision Credit Union Prime Rate (Effective Oct. 29, 2026) | 4.70% | page as of Sep 29, 2026 |
| First National Financial | 3-year | Fixed | Not split | posted | 5.49% | Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| ATB Financial | 3-year | Fixed | Insured | posted | 5.74% | Posted Rates The mortgage loan must be advanced within 120 days of the date of application. | page |
| First National Financial | 3-year | Fixed | Not split | posted | 5.74% | Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| Servus Credit Union | 3-year | Fixed | Not split | posted | 5.94% | column (posted). Mortgages tab | page as of Oct 15, 2026 |
| First National Financial | 3-year | Fixed | Not split | posted | 5.99% | Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| ATB Financial | 3-year | Fixed | Uninsured | posted | 6.04% | Posted Rates The mortgage loan must be advanced within 120 days of the date of application. | page |
| BMO | 3-year | Fixed | Not split | posted | 6.05% APR 6.08% | All posted rates | page |
| Coast Capital Savings | 3-year | Fixed | Not split | posted | 6.05% APR 6.09% | Rate effective 30-Jun-26 Posted fixed mortgage rates are used in Mortgage term break calculations Rate (Up to 25 Year Amortization) | page as of Jun 30, 2026 |
| Scotiabank | 3-year | Fixed | Not split | posted | 6.05% | — | page as of Nov 13, 2026 |
| National Bank | 3-year | Fixed | Not split | posted | 6.09% APR 6.10% | — | page as of Nov 13, 2026 |
| Desjardins | 3-year | Fixed | Not split | posted | 6.14% | — | page as of Nov 13, 2026 |
| Simplii Financial | 3-year | Fixed | Not split | posted | 6.14% | — | page as of Nov 13, 2026 |
| TD | 3-year | Fixed | Not split | posted | 6.15% | — | page |
| Scotiabank | 3-year | Variable | Not split | posted | 6.20% | — | page as of Nov 13, 2026 |
| First National Financial | 3-year | Fixed | Not split | posted | 6.24% | Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| RBC Royal Bank | 3-year | Fixed | Not split | posted | 6.25% APR 6.29% | — | page |
| First National Financial | 3-year | Fixed | Not split | posted | 6.49% | Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| Meridian Credit Union | 3-year | Fixed | Not split | posted | 6.54% APR 6.57% | The current Meridian Prime Rate is 4.70% as of October 29, 2026. s only date; the rate tables carry no date, so pageAsOf is null). APR basis: $300,000, 25-yr amortization, $300 … | page |
| Lakeland Credit Union | 4-year | Fixed | Insured | special | 4.29% | Insured Mortgages Rates = Member Value Pricing. . No as-of date on page. Full rate table is in a collapsed | page |
| ATB Financial | 4-year | Fixed | Insured | special | 4.34% | Residential Mortgage **Available through select ATB channels only. The mortgage loan must be advanced within 120 days of the date of application. | page |
| Bow Valley Credit Union | 4-year | Fixed | Insured | special | 4.49% | Special Rate Rates are subject to change without notice at any time. | page |
| Lakeland Credit Union | 4-year | Fixed | Uninsured | special | 4.59% | Conventional Mortgages Rates = Member Value Pricing. . No as-of date on page. Full rate table is in a collapsed | page |
| ATB Financial | 4-year | Fixed | Uninsured | special | 4.64% | Residential Mortgage **Available through select ATB channels only. The mortgage loan must be advanced within 120 days of the date of application. | page |
| ATB Financial | 4-year | Fixed | Not split | special | 4.64% APR 4.67% | Client Rates The mortgage loan must be advanced within 120 days of the date of application. | page |
| Coast Capital Savings | 4-year | Fixed | Not split | special | 4.64% APR 4.67% | Fixed Rate Mortgages Up to 25 Year Amortization Rate effective 09-Nov-26 Interest rate and approval based on risk profile. | page as of Nov 9, 2026 |
| Bow Valley Credit Union | 4-year | Fixed | Not split | special | 4.69% | Special Rate Rates are subject to change without notice at any time. | page |
| Christian Credit Union | 4-year | Fixed | Not split | special | 4.69% | column. Page Christian Credit Union Prime Rate: 4.70% Mortgage qualifying rate: 6.74% | page as of Nov 5, 2026 |
| Servus Credit Union | 4-year | Fixed | Not split | special | 4.69% | Special Rate Special rates are for owner occupied properties with amortization of 25 years or less and are subject to Servus lending criteria. Other conditions apply. Effective:… | page as of Oct 15, 2026 |
| Coast Capital Savings | 4-year | Fixed | Not split | special | 4.74% APR 4.77% | Fixed Rate Mortgages More than 25 Year Amortization Rate effective 09-Nov-26 Interest rate and approval based on risk profile. | page as of Nov 9, 2026 |
| Vancity | 4-year | Fixed | Insured | special | 4.74% APR 4.76% | s page doesn | page as of Oct 29, 2026 |
| Meridian Credit Union | 4-year | Fixed | Not split | special | 4.79% APR 4.82% | The current Meridian Prime Rate is 4.70% as of October 29, 2026. s only date; the rate tables carry no date, so pageAsOf is null). APR basis: $300,000, 25-yr amortization, $300 … | page |
| nesto | 4-year | Fixed | Insured | special | 4.79% | The best mortgage rates in Canada right now, as of Friday, November 13, 2026, are the lowest insured rates nesto offers on each term. *Insured mortgage rates. Other conditions a… | page as of Nov 13, 2026 |
| Vancity | 4-year | Fixed | Uninsured | special | 4.79% APR 4.82% | — | page as of Oct 29, 2026 |
| Vancity | 4-year | Fixed | Not split | special | 4.84% APR 4.87% | s page doesn | page as of Oct 29, 2026 |
| Desjardins | 4-year | Fixed | Not split | special | 4.94% | — | page as of Nov 13, 2026 |
| Tangerine | 4-year | Fixed | Not split | special | 5.04% | s published rates (the page doesn | page |
| National Bank | 4-year | Fixed | Not split | special | 5.09% APR 5.13% | — | page as of Nov 13, 2026 |
| First National Financial | 4-year | Fixed | Insured | posted | 5.12% | Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| First National Financial | 4-year | Fixed | Insurable | posted | 5.12% | Insurable up to 65% LTV s Insurable LTV tier (lender-insured, borrower 20%+ down). Section Rates effective as of Monday, November 9, 2026 for qualified residential properties. R… | page as of Nov 9, 2026 |
| First National Financial | 4-year | Fixed | Insurable | posted | 5.12% | Insurable > 65% - 70% LTV s Insurable LTV tier (lender-insured, borrower 20%+ down). Section Rates effective as of Monday, November 9, 2026 for qualified residential properties.… | page as of Nov 9, 2026 |
| First National Financial | 4-year | Fixed | Insurable | posted | 5.12% | Insurable > 70% - 75% LTV s Insurable LTV tier (lender-insured, borrower 20%+ down). Section Rates effective as of Monday, November 9, 2026 for qualified residential properties.… | page as of Nov 9, 2026 |
| First National Financial | 4-year | Fixed | Insurable | posted | 5.12% | Insurable > 75% - 80% LTV s Insurable LTV tier (lender-insured, borrower 20%+ down). Section Rates effective as of Monday, November 9, 2026 for qualified residential properties.… | page as of Nov 9, 2026 |
| First National Financial | 4-year | Fixed | Uninsured | posted | 5.12% | Conventional Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| RBC Royal Bank | 4-year | Fixed | Not split | special | 5.14% APR 5.17% | — | page |
| Simplii Financial | 4-year | Fixed | Not split | special | 5.24% APR 5.26% | — | page as of Nov 13, 2026 |
| Vision Credit Union | 4-year | Fixed | Not split | posted | 5.49% | Posted Rates Potential Profit Share Rate * rates and conditions are subject to change without notice. Vision Credit Union Prime Rate (Effective Oct. 29, 2026) | 4.70% | page as of Sep 29, 2026 |
| ATB Financial | 4-year | Fixed | Insured | posted | 5.79% | Posted Rates The mortgage loan must be advanced within 120 days of the date of application. | page |
| BMO | 4-year | Fixed | Not split | posted | 5.99% APR 6.01% | All posted rates | page |
| Servus Credit Union | 4-year | Fixed | Not split | posted | 5.99% | column (posted). Mortgages tab | page as of Oct 15, 2026 |
| TD | 4-year | Fixed | Not split | posted | 5.99% APR 6.02% | — | page |
| Coast Capital Savings | 4-year | Fixed | Not split | posted | 6.00% APR 6.03% | Rate effective 30-Jun-26 Posted fixed mortgage rates are used in Mortgage term break calculations Rate (Up to 25 Year Amortization) | page as of Jun 30, 2026 |
| ATB Financial | 4-year | Fixed | Uninsured | posted | 6.04% | Posted Rates The mortgage loan must be advanced within 120 days of the date of application. | page |
| National Bank | 4-year | Fixed | Not split | posted | 6.05% APR 6.09% | — | page as of Nov 13, 2026 |
| RBC Royal Bank | 4-year | Fixed | Not split | posted | 6.09% APR 6.12% | — | page |
| Scotiabank | 4-year | Fixed | Not split | posted | 6.09% | — | page as of Nov 13, 2026 |
| Desjardins | 4-year | Fixed | Not split | posted | 6.19% | — | page as of Nov 13, 2026 |
| Meridian Credit Union | 4-year | Fixed | Not split | posted | 6.19% APR 6.22% | The current Meridian Prime Rate is 4.70% as of October 29, 2026. s only date; the rate tables carry no date, so pageAsOf is null). APR basis: $300,000, 25-yr amortization, $300 … | page |
| Simplii Financial | 4-year | Fixed | Not split | posted | 6.19% | — | page as of Nov 13, 2026 |
| nesto | 5-year | Variable | Insured | special | 3.66% prime − 1.04 | The best mortgage rates in Canada right now, as of Friday, November 13, 2026, are the lowest insured rates nesto offers on each term. *Insured mortgage rates. Other conditions a… | page as of Nov 13, 2026 |
| Meridian Credit Union | 5-year | Variable | Insured | special | 3.79% prime − 1.01 APR 3.81% | s prime 4.70% - 1.01% (= 3.69%); recorded as displayed. kind null: variable table is not labelled posted or special on the page (5-yr closed HR 3.79% is also shown under ). Vari… | page |
| Lakeland Credit Union | 5-year | Variable | Insured | special | 3.80% prime − 0.90 | = Member Value Pricing. . No as-of date on page. Full rate table is in a collapsed | page |
| Coast Capital Savings | 5-year | Variable | Insured | special | 3.81% APR 3.83% | Up to 25 Year Amortization Rate effective 09-Nov-26 For new high-ratio-insured, closed, residential (owner-occupied) first mortgage loans only. This is a variable rate product w… | page as of Nov 9, 2026 |
| Coast Capital Savings | 5-year | Variable | Insured | special | 3.81% APR 3.83% | More than 25 Year Amortization Rate effective 09-Nov-26 This is a variable rate product which will fluctuate with Coast Capital Savings Federal Credit Union | page as of Nov 9, 2026 |
| ATB Financial | 5-year | Variable | Insured | special | 3.90% | Residential Mortgage The mortgage loan must be advanced within 120 days of the date of application. | page |
| First National Financial | 5-year | Adjustable | Insured | posted | 3.95%* prime − 0.75 | . Only the spread is shown (no resulting %), so rate null; page states Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates ar… | page as of Nov 9, 2026 |
| Lakeland Credit Union | 5-year | Variable | Uninsured | special | 3.95% prime − 0.75 | = Member Value Pricing. . No as-of date on page. Full rate table is in a collapsed | page |
| Meridian Credit Union | 5-year | Variable | Not split | special | 3.99% prime − 0.81 APR 4.01% | s prime 4.70% - 0.81% (= 3.89%); recorded as displayed. kind null: variable table is not labelled posted or special on the page (5-yr closed HR 3.79% is also shown under ). Vari… | page |
| First National Financial | 5-year | Adjustable | Insurable | posted | 4.00%* prime − 0.70 | Insurable up to 65% LTV First National Prime Rate: 4.70 Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-fa… | page as of Nov 9, 2026 |
| ATB Financial | 5-year | Variable | Not split | special | 4.05% | Residential Mortgage The mortgage loan must be advanced within 120 days of the date of application. | page |
| ATB Financial | 5-year | Variable | Not split | special | 4.05% APR 3.82% | Client Rates The mortgage loan must be advanced within 120 days of the date of application. | page |
| RBC Royal Bank | 5-year | Variable | Insured | special | 4.10% prime − 0.60 APR 4.13% | — | page |
| Coast Capital Savings | 5-year | Variable | Not split | special | 4.11% APR 4.13% | Up to 25 Year Amortization Rate effective 09-Nov-26 This is a variable rate product which will fluctuate with Coast Capital Savings Federal Credit Union | page as of Nov 9, 2026 |
| First National Financial | 5-year | Adjustable | Insurable | posted | 4.20%* prime − 0.50 | Insurable > 65% - 70% LTV First National Prime Rate: 4.70 Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-… | page as of Nov 9, 2026 |
| Tangerine | 5-year | Variable | Not split | special | 4.20% | s published rates (the page doesn | page |
| Vancity | 5-year | Variable | Not split | special | 4.20% prime − 0.50 APR 4.22% | HOMEPRIME RATE††: 4.70% The current Homeprime rate is effective as of October 29, 2026. s page doesn | page as of Oct 29, 2026 |
| Coast Capital Savings | 5-year | Variable | Not split | special | 4.21% APR 4.23% | More than 25 Year Amortization Rate effective 09-Nov-26 This is a variable rate product which will fluctuate with Coast Capital Savings Federal Credit Union | page as of Nov 9, 2026 |
| First National Financial | 5-year | Adjustable | Insurable | posted | 4.25%* prime − 0.45 | Insurable > 70% - 75% LTV First National Prime Rate: 4.70 Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-… | page as of Nov 9, 2026 |
| First National Financial | 5-year | Adjustable | Insurable | posted | 4.29%* prime − 0.41 | Insurable > 75% - 80% LTV First National Prime Rate: 4.70 Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-… | page as of Nov 9, 2026 |
| ATB Financial | 5-year | Fixed | Insured | special | 4.34% | Rate First Residential Mortgage The mortgage loan must be advanced within 120 days of the date of application. | page |
| ATB Financial | 5-year | Fixed | Insured | special | 4.34% APR 4.36% | Client Rates The mortgage loan must be advanced within 120 days of the date of application. | page |
| BMO | 5-year | Variable | Not split | special | 4.35% APR 4.37% | — | page |
| Desjardins | 5-year | Variable | Not split | special | 4.35% | — | page as of Nov 13, 2026 |
| National Bank | 5-year | Variable | Not split | special | 4.35% prime − 0.35 APR 4.39% | — | page as of Nov 13, 2026 |
| First National Financial | 5-year | Adjustable | Uninsured | posted | 4.39%* prime − 0.31 | Conventional First National Prime Rate: 4.70 Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family reside… | page as of Nov 9, 2026 |
| Lakeland Credit Union | 5-year | Fixed | Insured | special | 4.39% | Insured Mortgages Rates = Member Value Pricing. . No as-of date on page. Full rate table is in a collapsed | page |
| RBC Royal Bank | 5-year | Variable | Not split | special | 4.40% prime − 0.30 APR 4.43% | — | page |
| ATB Financial | 5-year | Fixed | Insured | special | 4.44% | Residential Mortgage The mortgage loan must be advanced within 120 days of the date of application. | page |
| nesto | 5-year | Fixed | Insured | special | 4.44% | The best mortgage rates in Canada right now, as of Friday, November 13, 2026, are the lowest insured rates nesto offers on each term. *Insured mortgage rates. Other conditions a… | page as of Nov 13, 2026 |
| Simplii Financial | 5-year | Variable | Not split | special | 4.45% APR 4.47% | — | page as of Nov 13, 2026 |
| TD | 5-year | Variable | Not split | special | 4.49% prime − 0.36 APR 4.51% | — | page |
| Coast Capital Savings | 5-year | Fixed | Insured | special | 4.51% APR 4.53% | Fixed Rate Mortgages Up to 25 Year Amortization Rate effective 09-Nov-26 For new high-ratio-insured, closed, residential (owner-occupied) first mortgage loans only. | page as of Nov 9, 2026 |
| Coast Capital Savings | 5-year | Fixed | Insured | special | 4.51% APR 4.53% | Fixed Rate Mortgages More than 25 Year Amortization Rate effective 09-Nov-26 Interest rate and approval based on risk profile. | page as of Nov 9, 2026 |
| Christian Credit Union | 5-year | Fixed | Insured | special | 4.54% | Effective November 5, 2026. Christian Credit Union Prime Rate: 4.70% Mortgage qualifying rate: 6.74% | page as of Nov 5, 2026 |
| ATB Financial | 5-year | Fixed | Uninsured | special | 4.59% | Rate First Residential Mortgage The mortgage loan must be advanced within 120 days of the date of application. | page |
| ATB Financial | 5-year | Fixed | Uninsured | special | 4.59% APR 4.61% | Client Rates The mortgage loan must be advanced within 120 days of the date of application. | page |
| Bow Valley Credit Union | 5-year | Fixed | Insured | special | 4.59% | Special Rate Rates are subject to change without notice at any time. | page |
| Servus Credit Union | 5-year | Fixed | Insured | special | 4.59% | Special Rate Special rates are for owner occupied properties with amortization of 25 years or less and are subject to Servus lending criteria. Other conditions apply. Effective:… | page as of Oct 15, 2026 |
| Lakeland Credit Union | 5-year | Fixed | Uninsured | special | 4.64% | Conventional Mortgages Rates = Member Value Pricing. . No as-of date on page. Full rate table is in a collapsed | page |
| Servus Credit Union | 5-year | Fixed | Uninsured | special | 4.64% | Special Rate Special rates are for owner occupied properties with amortization of 25 years or less and are subject to Servus lending criteria. Other conditions apply. Effective:… | page as of Oct 15, 2026 |
| ATB Financial | 5-year | Fixed | Uninsured | special | 4.69% | Residential Mortgage The mortgage loan must be advanced within 120 days of the date of application. | page |
| ATB Financial | 5-year | Fixed | Not split | special | 4.69% APR 4.71% | Client Rates The mortgage loan must be advanced within 120 days of the date of application. | page |
| Meridian Credit Union | 5-year | Fixed | Insured | special | 4.69% APR 4.71% | The current Meridian Prime Rate is 4.70% as of October 29, 2026. s only date; the rate tables carry no date, so pageAsOf is null). APR basis: $300,000, 25-yr amortization, $300 … | page |
| National Bank | 5-year | Fixed | Insured | special | 4.69% APR 4.73% | — | page as of Nov 13, 2026 |
| Servus Credit Union | 5-year | Fixed | Insured | special | 4.69% | Special Rate Special rates are for owner occupied properties with amortization of 25 years or less and are subject to Servus lending criteria. Other conditions apply. Effective:… | page as of Oct 15, 2026 |
| BMO | 5-year | Variable | Not split | posted | 4.70% APR 4.72% | — | page |
| Coast Capital Savings | 5-year | Variable | Not split | posted | 4.70% APR 4.72% | Rate effective 09-Nov-26 Posted variable mortgage rates are used in Mortgage term break calculations | page as of Nov 9, 2026 |
| Desjardins | 5-year | Variable | Not split | posted | 4.70% | — | page as of Nov 13, 2026 |
| National Bank | 5-year | Variable | Not split | posted | 4.70% prime + 0.00 APR 4.74% | — | page as of Nov 13, 2026 |
| RBC Royal Bank | 5-year | Variable | Not split | posted | 4.70%* prime + 0.00 APR 4.73% | — | page |
| Simplii Financial | 5-year | Variable | Not split | posted | 4.70% | — | page as of Nov 13, 2026 |
| Christian Credit Union | 5-year | Fixed | Not split | special | 4.74% | column. Page Christian Credit Union Prime Rate: 4.70% Mortgage qualifying rate: 6.74% | page as of Nov 5, 2026 |
| Coast Capital Savings | 5-year | Fixed | Not split | special | 4.76% APR 4.78% | Fixed Rate Mortgages Up to 25 Year Amortization Rate effective 09-Nov-26 Interest rate and approval based on risk profile. | page as of Nov 9, 2026 |
| Bow Valley Credit Union | 5-year | Fixed | Not split | special | 4.79% | Special Rate Rates are subject to change without notice at any time. | page |
| Servus Credit Union | 5-year | Fixed | Uninsured | special | 4.79% | Special Rate Special rates are for owner occupied properties with amortization of 25 years or less and are subject to Servus lending criteria. Other conditions apply. Effective:… | page as of Oct 15, 2026 |
| Vancity | 5-year | Fixed | Insured | special | 4.79% APR 4.81% | s page doesn | page as of Oct 29, 2026 |
| First National Financial | 5-year | Fixed | Insured | posted | 4.84% | Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| RBC Royal Bank | 5-year | Fixed | Insured | special | 4.84% APR 4.87% | — | page |
| Vancity | 5-year | Fixed | Uninsured | special | 4.84% APR 4.86% | — | page as of Oct 29, 2026 |
| Coast Capital Savings | 5-year | Fixed | Not split | special | 4.86% APR 4.88% | Fixed Rate Mortgages More than 25 Year Amortization Rate effective 09-Nov-26 Interest rate and approval based on risk profile. | page as of Nov 9, 2026 |
| First National Financial | 5-year | Fixed | Insurable | posted | 4.89% | Insurable up to 65% LTV s Insurable LTV tier (lender-insured, borrower 20%+ down). Section Rates effective as of Monday, November 9, 2026 for qualified residential properties. R… | page as of Nov 9, 2026 |
| Vancity | 5-year | Fixed | Not split | special | 4.89% APR 4.91% | s page doesn | page as of Oct 29, 2026 |
| BMO | 5-year | Fixed | Insured | special | 4.99% APR 5.01% | — | page |
| CIBC | 5-year | Fixed | Insured | special | 4.99% APR 5.01% | — | page as of Nov 13, 2026 |
| Desjardins | 5-year | Fixed | Not split | special | 4.99% | — | page as of Nov 13, 2026 |
| First National Financial | 5-year | Fixed | Insurable | posted | 4.99% | Insurable > 65% - 70% LTV s Insurable LTV tier (lender-insured, borrower 20%+ down). Section Rates effective as of Monday, November 9, 2026 for qualified residential properties.… | page as of Nov 9, 2026 |
| Meridian Credit Union | 5-year | Fixed | Not split | special | 4.99% APR 5.01% | The current Meridian Prime Rate is 4.70% as of October 29, 2026. s only date; the rate tables carry no date, so pageAsOf is null). APR basis: $300,000, 25-yr amortization, $300 … | page |
| First National Financial | 5-year | Fixed | Insurable | posted | 5.04% | Insurable > 70% - 75% LTV s Insurable LTV tier (lender-insured, borrower 20%+ down). Section Rates effective as of Monday, November 9, 2026 for qualified residential properties.… | page as of Nov 9, 2026 |
| First National Financial | 5-year | Fixed | Insurable | posted | 5.09% | Insurable > 75% - 80% LTV s Insurable LTV tier (lender-insured, borrower 20%+ down). Section Rates effective as of Monday, November 9, 2026 for qualified residential properties.… | page as of Nov 9, 2026 |
| BMO | 5-year | Fixed | Not split | special | 5.14% APR 5.16% | — | page |
| National Bank | 5-year | Fixed | Not split | special | 5.14% APR 5.18% | — | page as of Nov 13, 2026 |
| RBC Royal Bank | 5-year | Fixed | Not split | special | 5.14% APR 5.17% | — | page |
| First National Financial | 5-year | Fixed | Uninsured | posted | 5.15% | Conventional Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| Scotiabank | 5-year | Variable | Not split | posted | 5.15% | — | page as of Nov 13, 2026 |
| Tangerine | 5-year | Fixed | Not split | special | 5.19% | s published rates (the page doesn | page |
| TD | 5-year | Fixed | Not split | special | 5.29% APR 5.31% | — | page |
| TD | 5-year | Fixed | Insured | special | 5.29% APR 5.31% | — | page |
| CIBC | 5-year | Fixed | Not split | special | 5.34% APR 5.36% | — | page as of Nov 13, 2026 |
| Simplii Financial | 5-year | Fixed | Not split | special | 5.34% APR 5.36% | — | page as of Nov 13, 2026 |
| ATB Financial | 5-year | Variable | Not split | posted | 5.55% | Posted Rates The mortgage loan must be advanced within 120 days of the date of application. | page |
| Vision Credit Union | 5-year | Fixed | Not split | posted | 5.74% | Posted Rates Potential Profit Share Rate * rates and conditions are subject to change without notice. Vision Credit Union Prime Rate (Effective Oct. 29, 2026) | 4.70% | page as of Sep 29, 2026 |
| ATB Financial | 5-year | Fixed | Insured | posted | 5.79% | Posted Rates The mortgage loan must be advanced within 120 days of the date of application. | page |
| ATB Financial | 5-year | Fixed | Insured | posted | 5.89% | Posted Rates The mortgage loan must be advanced within 120 days of the date of application. | page |
| ATB Financial | 5-year | Fixed | Uninsured | posted | 6.09% | Posted Rates The mortgage loan must be advanced within 120 days of the date of application. | page |
| BMO | 5-year | Fixed | Not split | posted | 6.09% APR 6.11% | All posted rates | page |
| Servus Credit Union | 5-year | Fixed | Uninsured | posted | 6.09% | column (posted). Mortgages tab | page as of Oct 15, 2026 |
| Servus Credit Union | 5-year | Fixed | Insured | posted | 6.09% | column (posted). Mortgages tab | page as of Oct 15, 2026 |
| Servus Credit Union | 5-year | Fixed | Uninsured | posted | 6.09% | column. Mortgages tab | page as of Oct 15, 2026 |
| Servus Credit Union | 5-year | Fixed | Insured | posted | 6.09% | column. Mortgages tab | page as of Oct 15, 2026 |
| Coast Capital Savings | 5-year | Fixed | Not split | posted | 6.10% APR 6.12% | Rate effective 30-Jun-26 Posted fixed mortgage rates are used in Mortgage term break calculations Rate (Up to 25 Year Amortization) | page as of Jun 30, 2026 |
| ATB Financial | 5-year | Fixed | Uninsured | posted | 6.14% | Posted Rates The mortgage loan must be advanced within 120 days of the date of application. | page |
| National Bank | 5-year | Fixed | Not split | posted | 6.14% APR 6.18% | — | page as of Nov 13, 2026 |
| TD | 5-year | Fixed | Not split | posted | 6.14% | — | page |
| RBC Royal Bank | 5-year | Fixed | Not split | posted | 6.19% APR 6.22% | — | page |
| Scotiabank | 5-year | Fixed | Not split | posted | 6.19% | — | page as of Nov 13, 2026 |
| Desjardins | 5-year | Fixed | Not split | posted | 6.29% | — | page as of Nov 13, 2026 |
| Meridian Credit Union | 5-year | Fixed | Not split | posted | 6.49% APR 4.76% | The current Meridian Prime Rate is 4.70% as of October 29, 2026. s only date; the rate tables carry no date, so pageAsOf is null). APR basis: $300,000, 25-yr amortization, $300 … | page |
| Simplii Financial | 5-year | Fixed | Not split | posted | 6.49% | — | page as of Nov 13, 2026 |
| Coast Capital Savings | 6-year | Fixed | Not split | special | 4.82% APR 4.84% | Fixed Rate Mortgages Up to 25 Year Amortization Rate effective 09-Nov-26 Interest rate and approval based on risk profile. | page as of Nov 9, 2026 |
| Coast Capital Savings | 6-year | Fixed | Not split | special | 4.92% APR 4.94% | Fixed Rate Mortgages More than 25 Year Amortization Rate effective 09-Nov-26 Interest rate and approval based on risk profile. | page as of Nov 9, 2026 |
| BMO | 6-year | Fixed | Not split | posted | 6.29% APR 6.31% | All posted rates | page |
| Coast Capital Savings | 6-year | Fixed | Not split | posted | 6.29% APR 6.31% | Rate effective 30-Jun-26 Posted fixed mortgage rates are used in Mortgage term break calculations Rate (Up to 25 Year Amortization) | page as of Jun 30, 2026 |
| TD | 6-year | Fixed | Not split | posted | 6.29% APR 6.31% | — | page |
| National Bank | 6-year | Fixed | Not split | posted | 6.40% APR 6.44% | — | page as of Nov 13, 2026 |
| Coast Capital Savings | 7-year | Fixed | Not split | special | 4.90% APR 4.92% | Fixed Rate Mortgages Up to 25 Year Amortization Rate effective 09-Nov-26 Interest rate and approval based on risk profile. | page as of Nov 9, 2026 |
| Vancity | 7-year | Fixed | Not split | special | 4.97% APR 4.98% | s page doesn | page as of Oct 29, 2026 |
| Coast Capital Savings | 7-year | Fixed | Not split | special | 5.00% APR 5.02% | Fixed Rate Mortgages More than 25 Year Amortization Rate effective 09-Nov-26 Interest rate and approval based on risk profile. | page as of Nov 9, 2026 |
| RBC Royal Bank | 7-year | Fixed | Not split | special | 5.25% APR 5.27% | — | page |
| First National Financial | 7-year | Fixed | Insured | posted | 5.33% | Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| First National Financial | 7-year | Fixed | Uninsured | posted | 5.33% | Conventional Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| National Bank | 7-year | Fixed | Not split | special | 5.34% APR 5.37% | — | page as of Nov 13, 2026 |
| Tangerine | 7-year | Fixed | Not split | special | 5.50% | s published rates (the page doesn | page |
| Simplii Financial | 7-year | Fixed | Not split | posted | 6.30% | — | page as of Nov 13, 2026 |
| BMO | 7-year | Fixed | Not split | posted | 6.40% APR 6.41% | All posted rates | page |
| Coast Capital Savings | 7-year | Fixed | Not split | posted | 6.40% APR 6.42% | Rate effective 30-Jun-26 Posted fixed mortgage rates are used in Mortgage term break calculations Rate (Up to 25 Year Amortization) | page as of Jun 30, 2026 |
| National Bank | 7-year | Fixed | Not split | posted | 6.40% APR 6.43% | — | page as of Nov 13, 2026 |
| Scotiabank | 7-year | Fixed | Not split | posted | 6.40% | — | page as of Nov 13, 2026 |
| TD | 7-year | Fixed | Not split | posted | 6.40% APR 6.42% | — | page |
| Desjardins | 7-year | Fixed | Not split | posted | 6.49% | — | page as of Nov 13, 2026 |
| RBC Royal Bank | 7-year | Fixed | Not split | posted | 6.50% APR 6.52% | — | page |
| nesto | 7-year | Fixed | Insured | special | 6.54% | s Big 6 average for those terms; recorded exactly as displayed. Page: *Insured mortgage rates. Other conditions apply. Rate in effect as of November 13, 2026. Our lowest adverti… | page as of Nov 13, 2026 |
| Meridian Credit Union | 7-year | Fixed | Not split | posted | 6.89% APR 6.90% | The current Meridian Prime Rate is 4.70% as of October 29, 2026. s only date; the rate tables carry no date, so pageAsOf is null). APR basis: $300,000, 25-yr amortization, $300 … | page |
| Coast Capital Savings | 8-year | Fixed | Not split | special | 5.01% APR 5.03% | Fixed Rate Mortgages Up to 25 Year Amortization Rate effective 09-Nov-26 Interest rate and approval based on risk profile. | page as of Nov 9, 2026 |
| Coast Capital Savings | 8-year | Fixed | Not split | special | 5.11% APR 5.13% | Fixed Rate Mortgages More than 25 Year Amortization Rate effective 09-Nov-26 Interest rate and approval based on risk profile. | page as of Nov 9, 2026 |
| Coast Capital Savings | 8-year | Fixed | Not split | posted | 6.50% APR 6.52% | Rate effective 30-Jun-26 Posted fixed mortgage rates are used in Mortgage term break calculations Rate (Up to 25 Year Amortization) | page as of Jun 30, 2026 |
| Coast Capital Savings | 9-year | Fixed | Not split | special | 5.12% APR 5.14% | Fixed Rate Mortgages Up to 25 Year Amortization Rate effective 09-Nov-26 Interest rate and approval based on risk profile. | page as of Nov 9, 2026 |
| Coast Capital Savings | 9-year | Fixed | Not split | special | 5.22% APR 5.24% | Fixed Rate Mortgages More than 25 Year Amortization Rate effective 09-Nov-26 Interest rate and approval based on risk profile. | page as of Nov 9, 2026 |
| Coast Capital Savings | 9-year | Fixed | Not split | posted | 6.70% APR 6.72% | Rate effective 30-Jun-26 Posted fixed mortgage rates are used in Mortgage term break calculations Rate (Up to 25 Year Amortization) | page as of Jun 30, 2026 |
| Coast Capital Savings | 10-year | Fixed | Not split | special | 5.23% APR 5.25% | Fixed Rate Mortgages Up to 25 Year Amortization Rate effective 09-Nov-26 Interest rate and approval based on risk profile. | page as of Nov 9, 2026 |
| Vancity | 10-year | Fixed | Not split | special | 5.29% APR 5.30% | s page doesn | page as of Oct 29, 2026 |
| Coast Capital Savings | 10-year | Fixed | Not split | special | 5.33% APR 5.35% | Fixed Rate Mortgages More than 25 Year Amortization Rate effective 09-Nov-26 Interest rate and approval based on risk profile. | page as of Nov 9, 2026 |
| First National Financial | 10-year | Fixed | Insured | posted | 5.65% | Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| First National Financial | 10-year | Fixed | Uninsured | posted | 5.65% | Conventional Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| Tangerine | 10-year | Fixed | Not split | special | 5.90% | s published rates (the page doesn | page |
| Simplii Financial | 10-year | Fixed | Not split | posted | 6.79% | — | page as of Nov 13, 2026 |
| BMO | 10-year | Fixed | Not split | posted | 6.80% APR 6.81% | All posted rates | page |
| Coast Capital Savings | 10-year | Fixed | Not split | posted | 6.80% APR 6.81% | Rate effective 30-Jun-26 Posted fixed mortgage rates are used in Mortgage term break calculations Rate (Up to 25 Year Amortization) | page as of Jun 30, 2026 |
| National Bank | 10-year | Fixed | Not split | posted | 6.80% APR 6.83% | — | page as of Nov 13, 2026 |
| Scotiabank | 10-year | Fixed | Not split | posted | 6.80% | — | page as of Nov 13, 2026 |
| TD | 10-year | Fixed | Not split | posted | 6.80% APR 6.81% | — | page |
| RBC Royal Bank | 10-year | Fixed | Not split | posted | 6.90% APR 6.91% | — | page |
| Desjardins | 10-year | Fixed | Not split | posted | 6.99% | — | page as of Nov 13, 2026 |
| Meridian Credit Union | 10-year | Fixed | Not split | posted | 6.99% APR 7.00% | The current Meridian Prime Rate is 4.70% as of October 29, 2026. s only date; the rate tables carry no date, so pageAsOf is null). APR basis: $300,000, 25-yr amortization, $300 … | page |
| nesto | 10-year | Fixed | Insured | special | 8.09% | s Big 6 average for those terms; recorded exactly as displayed. Page: *Insured mortgage rates. Other conditions apply. Rate in effect as of November 13, 2026. Our lowest adverti… | page as of Nov 13, 2026 |
Highlighted rows are the lowest special or advertised rate for that term and type among the rows shown. * = the lender's own prime rate plus its stated spread. Collected Nov 13, 2026; check the lender's page before relying on any rate.
Lenders
ATB FinancialBank · AB · 33 rates · 5-yr fixed from 4.34%Rates, prime and penalty →Servus Credit UnionCredit union · AB · 17 rates · 5-yr fixed from 4.59%Rates, prime and penalty →Lakeland Credit UnionCredit union · AB · 12 rates · 5-yr fixed from 4.39%Rates, prime and penalty →Vision Credit UnionCredit union · AB · 5 rates · 5-yr fixed from 5.74%Rates, prime and penalty →Christian Credit UnionCredit union · AB · 7 rates · 5-yr fixed from 4.54%Rates, prime and penalty →Bow Valley Credit UnionCredit union · AB · 8 rates · 5-yr fixed from 4.59%Rates, prime and penalty →Meridian Credit UnionCredit union · ON · 15 rates · 5-yr fixed from 4.69%Rates, prime and penalty →VancityCredit union · BC · 17 rates · 5-yr fixed from 4.79%Rates, prime and penalty →Coast Capital SavingsCredit union · BC · 37 rates · 5-yr fixed from 4.51%Rates, prime and penalty →First National FinancialMortgage lender · Canada-wide · 55 rates · 5-yr fixed from 4.84%Rates, prime and penalty →nestoDigital lender · AB, BC, ON, QC · 8 rates · 5-yr fixed from 4.44%Rates, prime and penalty →RBC Royal BankBank · Canada-wide · 18 rates · 5-yr fixed from 4.84%Rates, prime and penalty →TDBank · Canada-wide · 13 rates · 5-yr fixed from 5.29%Rates, prime and penalty →ScotiabankBank · Canada-wide · 10 rates · 5-yr fixed from 6.19%Rates, prime and penalty →BMOBank · Canada-wide · 14 rates · 5-yr fixed from 4.99%Rates, prime and penalty →CIBCBank · Canada-wide · 4 rates · 5-yr fixed from 4.99%Rates, prime and penalty →National BankBank · Canada-wide · 18 rates · 5-yr fixed from 4.69%Rates, prime and penalty →TangerineDigital lender · Canada-wide · 8 rates · 5-yr fixed from 5.19%Rates, prime and penalty →Simplii FinancialDigital lender · Canada-wide · 12 rates · 5-yr fixed from 5.34%Rates, prime and penalty →DesjardinsCredit union · QC · 11 rates · 5-yr fixed from 4.99%Rates, prime and penalty →
Not collected this time
- Connect First Credit Union: Merged into Servus Credit Union (connectfirstcu.com redirects to servus.ca); see Servus.
- MCAP: Publishes only its prime rate (4.70%, effective October 29, 2026); mortgage rates are available through brokers. (page)
- Vermilion Credit Union: Publishes no residential mortgage rates.
- Rocky Credit Union and Lake View Credit Union: Their sites didn't respond on the collection date.
- EQ Bank, Manulife Bank and Laurentian Bank: Their pages didn't show readable residential mortgage rates when we tried (rates loaded by script, blocked, or sold through brokers).
Frequently asked questions
Where do these mortgage rates come from?
Each rate was read off the lender's own website on Nov 13, 2026 and links to that page, with the page's own "as of" date where it shows one. We don't take rates from rate-comparison sites, and no lender pays to be listed.
Why do some lenders show only a posted rate?
Some lenders publish only their posted (list) rates and negotiate discounts privately. We record what the page shows and label it. Posted rates are useful mainly for working out the penalty if you break a fixed mortgage.
Which lenders are missing?
Lenders whose pages we couldn't read directly, or that publish no rates (for example lenders that sell only through brokers), are listed at the bottom of this page with the reason. 5 were not collected this time.
Primary sources
- ATB Financial — Mortgage rates page. Checked .
- Servus Credit Union — Mortgage rates page. Checked .
- Lakeland Credit Union — Mortgage rates page. Checked .
- Vision Credit Union — Mortgage rates page. Checked .
- Christian Credit Union — Mortgage rates page. Checked .
- Bow Valley Credit Union — Mortgage rates page. Checked .
- Meridian Credit Union — Mortgage rates page. Checked .
- Vancity — Mortgage rates page. Checked .
- Coast Capital Savings — Mortgage rates page. Checked .
- First National Financial — Mortgage rates page. Checked .
- nesto — Mortgage rates page. Checked .
- RBC Royal Bank — Mortgage rates page. Checked .
- TD — Mortgage rates page. Checked .
- Scotiabank — Mortgage rates page. Checked .
- BMO — Mortgage rates page. Checked .
- CIBC — Mortgage rates page. Checked .
- National Bank — Mortgage rates page. Checked .
- Tangerine — Mortgage rates page. Checked .
- Simplii Financial — Mortgage rates page. Checked .
- Desjardins — Mortgage rates page. Checked .
Keep going
Rate boardThe lowest collected rate for every term.Open →Posted-rate penalty checkUses each lender's posted rates.Open →Is this a good rate?Paste an offer or renewal rate and see how it scores against benchmarks.isthisagoodrate.ca →Big-bank mortgages comparedHow the big banks' mortgage products, features and fine print differ.bankmortgages.ca →