Tangerine mortgage rates
Tangerine's lowest 5-year fixed rate on its own website was 5.19% (not split by down payment) when we read it on Nov 13, 2026. Its lowest variable was 4.20%. The lowest comparable rate we collected anywhere was 4.59% at ATB Financial. Tangerine's prime rate is 4.70%.
What are Tangerine's mortgage rates by term?
| Term | Lowest special / advertised | Posted | Gap | Payment at special | Payment at posted |
|---|---|---|---|---|---|
| 1-year | 5.99% | — | — | $3,196.06 | — |
| 2-year | 5.14% | — | — | $2,948.00 | — |
| 3-year | 4.94% | — | — | $2,890.97 | — |
| 4-year | 5.04% | — | — | $2,919.42 | — |
| 5-year | 5.19% | — | — | $2,962.34 | — |
| 7-year | 5.50% | — | — | $3,051.96 | — |
| 10-year | 5.90% | — | — | $3,169.37 | — |
What does Tangerine's 5-year rate cost on $500,000?
| Tangerine 5-yr | 5.19%read Nov 13, 2026 |
|---|---|
| Lowest collected (ATB Financial) | 4.59% |
| Mortgage | $500,000, 25 years, 5-year term |
| Monthly payment, lower → higher rate | $2,792.44 → $2,962.34 |
| Interest difference over 5 years | $14,409 |
Open this example in the calculator →Computed Nov 13, 2026.
Which Tangerine rates did we collect, and from which page?
| Term | Type | Insured | Kind | Rate | Fine print (the lender's words) | Source |
|---|---|---|---|---|---|---|
| 1-year | Fixed | Not split | special | 5.99% | s published rates (the page doesn | page |
| 2-year | Fixed | Not split | special | 5.14% | s published rates (the page doesn | page |
| 3-year | Fixed | Not split | special | 4.94% | s published rates (the page doesn | page |
| 4-year | Fixed | Not split | special | 5.04% | s published rates (the page doesn | page |
| 5-year | Variable | Not split | special | 4.20% | s published rates (the page doesn | page |
| 5-year | Fixed | Not split | special | 5.19% | s published rates (the page doesn | page |
| 7-year | Fixed | Not split | special | 5.50% | s published rates (the page doesn | page |
| 10-year | Fixed | Not split | special | 5.90% | s published rates (the page doesn | page |
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.
How does Tangerine charge to break a mortgage early?
Prepayment and penalties
We didn't find Tangerine's penalty method on the pages we read. It's in your mortgage contract's information box.
Check a Tangerine posted-rate IRD · full penalty calculator on BankMortgages.ca
About this lender
Digital lender lending across Canada. Prime rate 4.70% as stated on its site (as of Oct 29, 2026).
MortgageRateToday.ca isn't affiliated with Tangerine and isn't paid by any lender.
Frequently asked questions
What is Tangerine's 5-year fixed mortgage rate?
On Nov 13, 2026, Tangerine's own website showed 5.19% (special/advertised) for a 5-year fixed. Rates change often; check the lender's page.
What is Tangerine's variable mortgage rate?
The lowest closed variable rate on its page was 4.20% for a 5-year term, with Tangerine's prime at 4.70%.