Posted or advertised does not always mean “best available.”
The rates shown are publicly advertised or comparison rates and are provided for planning purposes. They may not be the lowest rate an institution can offer you. Banks, credit unions and mortgage lenders can sometimes offer lower promotional, discretionary or negotiated rates depending on your application, credit profile, down payment, mortgage type, relationship with the institution and current promotions.
MoneyPilot tip: before accepting a rate, contact the lender or a mortgage representative directly and ask: “What is the best rate you can offer me today for this mortgage and term?”
Typical major-bank posted rates
Automatically retrieved from the Bank of Canada's Valet API when available.
Current advertised/comparison rates
MoneyPilot checks these sources automatically and uses a dated fallback only if a source temporarily cannot be read.
| Lender | 3-year fixed | 5-year fixed | 5-year variable | Verify | |||
|---|---|---|---|---|---|---|---|
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Big Five banks
RBC, TD, Scotiabank, BMO and CIBC.
Other banks
National Bank, Tangerine and Equitable Bank are included where rate data is available.
Credit unions
Meridian and Alterna are included with regional eligibility labels. Credit-union membership and geographic restrictions can apply.
Put a lender rate into the mortgage calculator
The Use in calculator buttons above send that rate directly into MoneyPilot's mortgage calculator. You can then compare payment, stress-test rate, GDS/TDS and renewal scenarios.
Open mortgage calculator →