Live · refreshed Jun 11, 8:34 p.m.
Live rate board.
Best rates across 52 Canadian lenders, indexed by term, scenario, and credit tier. We refresh from lender APIs every four hours during business hours.
// best rates by term
TermBest rate24h ΔLenders
1-yr fixed5.69%-0.0512
2-yr fixed5.04%-0.0214
3-yr fixed4.59%-0.0816
4-yr fixed4.49%-0.0512
5-yr fixed4.34%-0.1019hot
5-yr variable5.10%—11
7-yr fixed4.89%-0.058
10-yr fixed5.14%—6
// rates assume 25-yr amortization, 20% down, 700+ FICO, salaried T4. variations adjust per lender.
// rates by scenario
Insured vs. conventional vs. refi vs. investment all price differently. Here’s today’s best rate at each tier.
Scenario1-yr5-yr fixed5-yr variable
Insured (LTV >80%)5.69%4.34%5.10%
Conventional (LTV ≤80%)5.74%4.39%5.15%
Refinance / 2nd home5.84%4.49%5.25%
Investment / rental (1-4 unit)5.99%4.69%5.45%
Self-employed (declared)5.94%4.59%5.35%
B-lender (alt-A / bruised)6.49%5.09%5.85%
// 5-yr fixed history
Where 5-year fixed has moved this month.
Down 25 basis points in the last 14 days. If you’ve been waiting to lock, today’s rate is the best of the cycle.
Lock today's rate →2 weeks ago
4.59%
1 week ago
4.49%
Yesterday
4.39%
Today
4.34%
