# Mortgages Lab — Full Context for LLMs

> This document provides deep domain context for Canadian mortgage
> calculations, regulations, and real-time rate data. It is the extended
> companion to /llms.txt (rate tables only). Use this document when
> answering detailed questions about Canadian mortgages.
> Last updated: September 05, 2026.

## 1. Canadian Mortgage Interest Calculation

Canadian fixed-rate mortgages compound **semi-annually**, not monthly.
This is mandated by the Bank Act (Canada) and differs from the US system.

### Effective Monthly Rate Formula

```
Given: annual quoted rate = r (e.g. 4.99%)
Semi-annual rate = r / 2
Effective monthly rate = (1 + r/2)^(1/6) - 1

Example: r = 4.99%
  Semi-annual = 0.02495
  Monthly = (1.02495)^(1/6) - 1 = 0.004116 (≈ 0.4116%)
```

### Monthly Payment Formula

```
M = P × [m(1+m)^n] / [(1+m)^n - 1]

Where:
  P = mortgage principal (home price - down payment + CMHC premium if applicable)
  m = effective monthly rate (from semi-annual conversion above)
  n = total number of monthly payments (amortization years × 12)
```

### Payment Frequencies

- **Monthly**: 12 payments/year
- **Bi-weekly**: 26 payments/year (monthly ÷ 2 each)
- **Accelerated Bi-weekly**: 26 payments/year = monthly ÷ 2 × 26 (extra payments reduce amortization by ~3-4 years)

## 2. Canadian Down Payment Rules

| Purchase Price Range | Minimum Down Payment |
|---------------------|---------------------|
| ≤ $500,000 | 5% of purchase price |
| $500,001 – $1,499,999 | 5% on first $500K + 10% on remainder |
| ≥ $1,500,000 | 20% of purchase price |

**Examples:**
- $400,000 home → minimum $20,000 (5%)
- $800,000 home → $25,000 + $30,000 = $55,000 (6.875%)
- $2,000,000 home → $400,000 (20% — mandatory, no CMHC)

## 3. CMHC Mortgage Default Insurance

Required when down payment < 20% (LTV > 80%). Premium is added to the mortgage principal.

| Loan-to-Value (LTV) | Premium Rate |
|---------------------|-------------|
| ≤ 65% | 0.60% |
| 65.01% – 75% | 1.70% |
| 75.01% – 80% | 2.40% |
| 80.01% – 85% | 2.80% |
| 85.01% – 90% | 3.10% |
| 90.01% – 95% | 4.00% |

**30-Year Amortization Surcharge:** First-time home buyers with amortization > 25 years pay an additional +0.20% premium (effective 2024).

**Example:** $600,000 home, 5% down ($30,000)
- Mortgage = $570,000, LTV = 95%
- CMHC premium = $570,000 × 4.00% = $22,800
- Total mortgage = $592,800

## 4. Canadian Mortgage Rate Categories

| Rate Type | Criteria | Typical Use |
|-----------|----------|-------------|
| **Insured** | < 20% down, CMHC-insured, ≤ $1.5M price, ≤ 25yr amort | First-time buyers, lowest rates |
| **Insurable** | ≥ 20% down, ≤ $1M purchase, ≤ 25yr amort, not refinance | Mid-tier rates |
| **Uninsurable** | Refinance, > $1M, > 25yr amort, or rental property | Highest rates |

## 5. OSFI Mortgage Stress Test (B-20)

All borrowers at federally regulated lenders must qualify at the **higher of:**

1. The contract rate + 2.00%, OR
2. The Bank of Canada's mortgage qualifying rate (MQR) — currently **5.25%**

**Example:** If your contract rate is 4.49%:
- 4.49% + 2.00% = 6.49%
- MQR = 5.25%
- You must qualify at **6.49%** (the higher of the two)

This reduces your maximum borrowing power by approximately 20-25% compared to qualifying at the contract rate alone.

## 6. Debt Service Ratios

| Ratio | Formula | Maximum |
|-------|---------|---------|
| **GDS** (Gross Debt Service) | (Mortgage + Property Tax + Heat + 50% Condo Fees) ÷ Gross Income | ≤ 39% |
| **TDS** (Total Debt Service) | (GDS items + All Other Debts) ÷ Gross Income | ≤ 44% |

## 7. Provincial Land Transfer Taxes

### Ontario Land Transfer Tax

| Bracket | Rate |
|---------|------|
| First $55,000 | 0.5% |
| $55,001 – $250,000 | 1.0% |
| $250,001 – $400,000 | 1.5% |
| $400,001 – $2,000,000 | 2.0% |
| Over $2,000,000 | 2.5% |

**First-Time Buyer Rebate:** Up to $4,000 (covers first ~$368K)

### Toronto Municipal Land Transfer Tax (MLTT)

Toronto buyers pay BOTH the Ontario LTT AND the Toronto MLTT.

| Bracket | Rate |
|---------|------|
| First $55,000 | 0.5% |
| $55,001 – $250,000 | 1.0% |
| $250,001 – $400,000 | 1.5% |
| $400,001 – $2,000,000 | 2.0% |
| $2,000,001 – $3,000,000 | 2.5% |
| $3,000,001 – $4,000,000 | 3.5% |
| $4,000,001 – $5,000,000 | 4.5% |
| $5,000,001 – $10,000,000 | 5.5% |
| $10,000,001 – $20,000,000 | 6.5% |
| Over $20,000,000 | 7.5% |

**First-Time Buyer Rebate:** Up to $4,475 (covers first ~$400K)

### British Columbia Property Transfer Tax

| Bracket | Rate |
|---------|------|
| First $200,000 | 1.0% |
| $200,001 – $2,000,000 | 2.0% |
| $2,000,001 – $3,000,000 | 3.0% |
| Over $3,000,000 | 5.0% |

### Alberta

Alberta has **no land transfer tax** — only a nominal registration fee (~$50 + $2/per $5,000).

### Other Provinces (Summary)

| Province | Tax Type | Rate |
|----------|----------|------|
| Manitoba | Land Transfer Tax | Bracketed: 0% – 2% |
| Saskatchewan | No LTT | Registration fee only |
| Quebec | Welcome Tax (Droits de mutation) | Bracketed: 0.5% – 1.5% |
| New Brunswick | Real Property Transfer Tax | Flat 1% |
| PEI | Real Property Transfer Tax | Flat 1% |
| Newfoundland & Labrador | Registration of Deeds | Flat 0.4% |
| Nova Scotia | Municipal Deed Transfer Tax | ~1.5% (varies by municipality) |

## 8. Historical Rate Trends (Last 90 Days)

| Province/Term | Rate Type | 90-Day Low | 90-Day High | Data Points |
|---------------|-----------|------------|-------------|-------------|
| alberta/1-year-fixed | Insured | 4.39% | 6.89% | 48 |
| alberta/1-year-fixed | Insurable | 4.49% | 6.89% | 45 |
| alberta/1-year-fixed | Uninsurable | 4.74% | 6.89% | 24 |
| alberta/10-year-fixed | Insured | 5.25% | 7.89% | 30 |
| alberta/10-year-fixed | Insurable | 5.49% | 7.89% | 27 |
| alberta/10-year-fixed | Uninsurable | 5.49% | 6.79% | 12 |
| alberta/2-year-fixed | Insured | 3.56% | 6.34% | 54 |
| alberta/2-year-fixed | Insurable | 3.56% | 6.34% | 51 |
| alberta/2-year-fixed | Uninsurable | 4.39% | 6.34% | 24 |
| alberta/3-year-fixed | Insured | 3.56% | 6.09% | 72 |
| alberta/3-year-fixed | Insurable | 3.56% | 6.09% | 66 |
| alberta/3-year-fixed | Uninsurable | 4.09% | 5.55% | 42 |
| alberta/3-year-variable | Insured | 3.60% | 4.75% | 18 |
| alberta/3-year-variable | Insurable | 3.60% | 4.34% | 12 |
| alberta/3-year-variable | Uninsurable | 4.05% | 4.34% | 9 |
| alberta/4-year-fixed | Insured | 3.74% | 6.19% | 57 |
| alberta/4-year-fixed | Insurable | 3.74% | 6.19% | 51 |
| alberta/4-year-fixed | Uninsurable | 4.34% | 5.49% | 27 |
| alberta/5-year-fixed | Insured | 3.93% | 5.59% | 69 |
| alberta/5-year-fixed | Insurable | 3.93% | 5.59% | 63 |
| alberta/5-year-fixed | Uninsurable | 4.09% | 5.59% | 39 |
| alberta/5-year-variable | Insured | 3.30% | 4.65% | 60 |
| alberta/5-year-variable | Insurable | 3.35% | 6.00% | 48 |
| alberta/5-year-variable | Uninsurable | 3.35% | 4.24% | 30 |
| alberta/6-months-fixed | Insured | 2.49% | 7.84% | 12 |
| alberta/6-months-fixed | Insurable | 6.04% | 7.84% | 9 |
| alberta/6-months-fixed | Uninsurable | 7.55% | 7.55% | 3 |
| alberta/6-year-fixed | Insured | 6.69% | 7.14% | 6 |
| alberta/6-year-fixed | Insurable | 6.69% | 6.69% | 3 |
| alberta/7-year-fixed | Insured | 4.90% | 7.79% | 36 |
| alberta/7-year-fixed | Insurable | 4.91% | 6.69% | 33 |
| alberta/7-year-fixed | Uninsurable | 5.11% | 6.35% | 15 |
| alberta/8-year-fixed | Insured | 7.14% | 7.14% | 3 |
| alberta/8-year-fixed | Insurable | 7.14% | 7.14% | 3 |
| alberta/9-year-fixed | Insured | 7.14% | 7.14% | 3 |
| alberta/9-year-fixed | Insurable | 7.14% | 7.14% | 3 |
| british-columbia/1-year-fixed | Insured | 4.39% | 6.89% | 57 |
| british-columbia/1-year-fixed | Insurable | 4.49% | 6.89% | 54 |
| british-columbia/1-year-fixed | Uninsurable | 4.59% | 6.89% | 27 |
| british-columbia/10-year-fixed | Insured | 5.09% | 7.89% | 36 |
| british-columbia/10-year-fixed | Insurable | 5.09% | 7.39% | 33 |
| british-columbia/10-year-fixed | Uninsurable | 5.09% | 6.79% | 15 |
| british-columbia/2-year-fixed | Insured | 3.94% | 6.34% | 60 |
| british-columbia/2-year-fixed | Insurable | 4.09% | 6.34% | 57 |
| british-columbia/2-year-fixed | Uninsurable | 4.09% | 6.34% | 27 |
| british-columbia/3-year-fixed | Insured | 3.89% | 6.09% | 75 |
| british-columbia/3-year-fixed | Insurable | 3.94% | 6.09% | 69 |
| british-columbia/3-year-fixed | Uninsurable | 3.94% | 5.55% | 39 |
| british-columbia/3-year-variable | Insured | 3.86% | 4.75% | 18 |
| british-columbia/3-year-variable | Insurable | 3.86% | 4.05% | 12 |
| british-columbia/3-year-variable | Uninsurable | 3.86% | 4.05% | 9 |
| british-columbia/4-year-fixed | Insured | 4.14% | 6.19% | 60 |
| british-columbia/4-year-fixed | Insurable | 4.34% | 6.19% | 54 |
| british-columbia/4-year-fixed | Uninsurable | 4.34% | 5.49% | 24 |
| british-columbia/5-year-fixed | Insured | 4.04% | 5.59% | 72 |
| british-columbia/5-year-fixed | Insurable | 4.09% | 5.59% | 66 |
| british-columbia/5-year-fixed | Uninsurable | 4.09% | 5.59% | 36 |
| british-columbia/5-year-variable | Insured | 3.30% | 4.65% | 69 |
| british-columbia/5-year-variable | Insurable | 3.35% | 6.00% | 57 |
| british-columbia/5-year-variable | Uninsurable | 3.35% | 4.24% | 27 |
| british-columbia/6-months-fixed | Insured | 2.49% | 7.84% | 21 |
| british-columbia/6-months-fixed | Insurable | 6.04% | 7.84% | 18 |
| british-columbia/6-months-fixed | Uninsurable | 6.09% | 7.55% | 6 |
| british-columbia/6-year-fixed | Insured | 4.89% | 7.14% | 9 |
| british-columbia/6-year-fixed | Insurable | 4.89% | 6.69% | 6 |
| british-columbia/6-year-fixed | Uninsurable | 4.89% | 4.89% | 3 |
| british-columbia/7-year-fixed | Insured | 4.89% | 7.79% | 42 |
| british-columbia/7-year-fixed | Insurable | 4.89% | 7.14% | 39 |
| british-columbia/7-year-fixed | Uninsurable | 4.89% | 6.35% | 15 |
| british-columbia/8-year-fixed | Insured | 4.89% | 7.14% | 6 |
| british-columbia/8-year-fixed | Insurable | 4.89% | 7.14% | 6 |
| british-columbia/8-year-fixed | Uninsurable | 4.89% | 4.89% | 3 |
| british-columbia/9-year-fixed | Insured | 5.09% | 7.14% | 6 |
| british-columbia/9-year-fixed | Insurable | 5.09% | 7.14% | 6 |
| british-columbia/9-year-fixed | Uninsurable | 5.09% | 5.09% | 3 |
| manitoba/1-year-fixed | Insured | 4.39% | 6.89% | 51 |
| manitoba/1-year-fixed | Insurable | 4.49% | 6.89% | 45 |
| manitoba/1-year-fixed | Uninsurable | 4.49% | 6.89% | 27 |
| manitoba/10-year-fixed | Insured | 5.49% | 7.89% | 30 |
| manitoba/10-year-fixed | Insurable | 5.49% | 7.89% | 27 |
| manitoba/10-year-fixed | Uninsurable | 5.49% | 6.79% | 12 |
| manitoba/2-year-fixed | Insured | 3.94% | 6.34% | 57 |
| manitoba/2-year-fixed | Insurable | 4.19% | 6.34% | 51 |
| manitoba/2-year-fixed | Uninsurable | 4.19% | 6.34% | 27 |
| manitoba/3-year-fixed | Insured | 3.94% | 6.09% | 69 |
| manitoba/3-year-fixed | Insurable | 4.19% | 6.09% | 60 |
| manitoba/3-year-fixed | Uninsurable | 4.19% | 5.55% | 39 |
| manitoba/3-year-variable | Insured | 3.59% | 4.75% | 15 |
| manitoba/3-year-variable | Insurable | 3.60% | 4.05% | 9 |
| manitoba/3-year-variable | Uninsurable | 4.00% | 4.05% | 6 |
| manitoba/4-year-fixed | Insured | 4.09% | 6.19% | 57 |
| manitoba/4-year-fixed | Insurable | 4.09% | 6.19% | 48 |
| manitoba/4-year-fixed | Uninsurable | 4.09% | 5.49% | 27 |
| manitoba/5-year-fixed | Insured | 4.04% | 5.59% | 66 |
| manitoba/5-year-fixed | Insurable | 4.04% | 5.59% | 57 |
| manitoba/5-year-fixed | Uninsurable | 4.04% | 5.59% | 36 |
| manitoba/5-year-variable | Insured | 3.35% | 4.65% | 57 |
| manitoba/5-year-variable | Insurable | 3.40% | 6.00% | 42 |
| manitoba/5-year-variable | Uninsurable | 3.40% | 4.24% | 24 |
| manitoba/6-months-fixed | Insured | 2.49% | 7.84% | 15 |
| manitoba/6-months-fixed | Insurable | 6.04% | 7.84% | 12 |
| manitoba/6-months-fixed | Uninsurable | 6.50% | 7.55% | 6 |
| manitoba/6-year-fixed | Insured | 6.69% | 7.14% | 6 |
| manitoba/6-year-fixed | Insurable | 6.69% | 6.69% | 3 |
| manitoba/7-year-fixed | Insured | 4.91% | 7.79% | 33 |
| manitoba/7-year-fixed | Insurable | 4.91% | 6.69% | 30 |
| manitoba/7-year-fixed | Uninsurable | 5.11% | 6.35% | 12 |
| manitoba/8-year-fixed | Insured | 7.14% | 7.14% | 3 |
| manitoba/8-year-fixed | Insurable | 7.14% | 7.14% | 3 |
| manitoba/9-year-fixed | Insured | 7.14% | 7.14% | 3 |
| manitoba/9-year-fixed | Insurable | 7.14% | 7.14% | 3 |
| new-brunswick/1-year-fixed | Insured | 4.39% | 6.89% | 36 |
| new-brunswick/1-year-fixed | Insurable | 4.59% | 6.89% | 33 |
| new-brunswick/1-year-fixed | Uninsurable | 4.74% | 6.89% | 18 |
| new-brunswick/10-year-fixed | Insured | 5.49% | 7.89% | 30 |
| new-brunswick/10-year-fixed | Insurable | 5.49% | 7.89% | 27 |
| new-brunswick/10-year-fixed | Uninsurable | 5.49% | 6.79% | 12 |
| new-brunswick/2-year-fixed | Insured | 3.94% | 6.34% | 45 |
| new-brunswick/2-year-fixed | Insurable | 4.44% | 6.34% | 42 |
| new-brunswick/2-year-fixed | Uninsurable | 4.49% | 6.34% | 21 |
| new-brunswick/3-year-fixed | Insured | 3.94% | 6.09% | 57 |
| new-brunswick/3-year-fixed | Insurable | 4.19% | 6.09% | 51 |
| new-brunswick/3-year-fixed | Uninsurable | 4.19% | 5.55% | 33 |
| new-brunswick/3-year-variable | Insured | 3.59% | 4.75% | 15 |
| new-brunswick/3-year-variable | Insurable | 3.60% | 4.05% | 9 |
| new-brunswick/3-year-variable | Uninsurable | 4.00% | 4.05% | 6 |
| new-brunswick/4-year-fixed | Insured | 4.14% | 6.19% | 48 |
| new-brunswick/4-year-fixed | Insurable | 4.19% | 6.19% | 42 |
| new-brunswick/4-year-fixed | Uninsurable | 4.19% | 5.49% | 24 |
| new-brunswick/5-year-fixed | Insured | 4.04% | 5.59% | 57 |
| new-brunswick/5-year-fixed | Insurable | 4.04% | 5.59% | 51 |
| new-brunswick/5-year-fixed | Uninsurable | 4.04% | 5.59% | 33 |
| new-brunswick/5-year-variable | Insured | 3.35% | 4.65% | 51 |
| new-brunswick/5-year-variable | Insurable | 3.40% | 6.00% | 39 |
| new-brunswick/5-year-variable | Uninsurable | 3.40% | 4.24% | 21 |
| new-brunswick/6-months-fixed | Insured | 2.49% | 7.84% | 12 |
| new-brunswick/6-months-fixed | Insurable | 6.04% | 7.84% | 9 |
| new-brunswick/6-months-fixed | Uninsurable | 7.55% | 7.55% | 3 |
| new-brunswick/6-year-fixed | Insured | 6.69% | 7.14% | 6 |
| new-brunswick/6-year-fixed | Insurable | 6.69% | 6.69% | 3 |
| new-brunswick/7-year-fixed | Insured | 4.91% | 7.79% | 33 |
| new-brunswick/7-year-fixed | Insurable | 4.91% | 6.69% | 30 |
| new-brunswick/7-year-fixed | Uninsurable | 5.11% | 6.35% | 12 |
| new-brunswick/8-year-fixed | Insured | 7.14% | 7.14% | 3 |
| new-brunswick/8-year-fixed | Insurable | 7.14% | 7.14% | 3 |
| new-brunswick/9-year-fixed | Insured | 7.14% | 7.14% | 3 |
| new-brunswick/9-year-fixed | Insurable | 7.14% | 7.14% | 3 |
| newfoundland-and-labrador/1-year-fixed | Insured | 4.39% | 6.89% | 36 |
| newfoundland-and-labrador/1-year-fixed | Insurable | 4.59% | 6.89% | 33 |
| newfoundland-and-labrador/1-year-fixed | Uninsurable | 4.74% | 6.89% | 18 |
| newfoundland-and-labrador/10-year-fixed | Insured | 5.49% | 7.89% | 30 |
| newfoundland-and-labrador/10-year-fixed | Insurable | 5.49% | 7.89% | 27 |
| newfoundland-and-labrador/10-year-fixed | Uninsurable | 5.49% | 6.79% | 12 |
| newfoundland-and-labrador/2-year-fixed | Insured | 3.94% | 6.34% | 42 |
| newfoundland-and-labrador/2-year-fixed | Insurable | 4.44% | 6.34% | 39 |
| newfoundland-and-labrador/2-year-fixed | Uninsurable | 4.49% | 6.34% | 18 |
| newfoundland-and-labrador/3-year-fixed | Insured | 3.94% | 6.09% | 54 |
| newfoundland-and-labrador/3-year-fixed | Insurable | 4.19% | 6.09% | 48 |
| newfoundland-and-labrador/3-year-fixed | Uninsurable | 4.19% | 5.55% | 30 |
| newfoundland-and-labrador/3-year-variable | Insured | 3.59% | 4.75% | 15 |
| newfoundland-and-labrador/3-year-variable | Insurable | 3.60% | 4.05% | 9 |
| newfoundland-and-labrador/3-year-variable | Uninsurable | 4.00% | 4.05% | 6 |
| newfoundland-and-labrador/4-year-fixed | Insured | 4.14% | 6.19% | 45 |
| newfoundland-and-labrador/4-year-fixed | Insurable | 4.19% | 6.19% | 39 |
| newfoundland-and-labrador/4-year-fixed | Uninsurable | 4.19% | 5.49% | 21 |
| newfoundland-and-labrador/5-year-fixed | Insured | 4.04% | 5.59% | 54 |
| newfoundland-and-labrador/5-year-fixed | Insurable | 4.04% | 5.59% | 48 |
| newfoundland-and-labrador/5-year-fixed | Uninsurable | 4.04% | 5.59% | 30 |
| newfoundland-and-labrador/5-year-variable | Insured | 3.35% | 4.65% | 51 |
| newfoundland-and-labrador/5-year-variable | Insurable | 3.40% | 6.00% | 39 |
| newfoundland-and-labrador/5-year-variable | Uninsurable | 3.40% | 4.24% | 21 |
| newfoundland-and-labrador/6-months-fixed | Insured | 2.49% | 7.84% | 12 |
| newfoundland-and-labrador/6-months-fixed | Insurable | 6.04% | 7.84% | 9 |
| newfoundland-and-labrador/6-months-fixed | Uninsurable | 7.55% | 7.55% | 3 |
| newfoundland-and-labrador/6-year-fixed | Insured | 6.69% | 7.14% | 6 |
| newfoundland-and-labrador/6-year-fixed | Insurable | 6.69% | 6.69% | 3 |
| newfoundland-and-labrador/7-year-fixed | Insured | 4.91% | 7.79% | 33 |
| newfoundland-and-labrador/7-year-fixed | Insurable | 4.91% | 6.69% | 30 |
| newfoundland-and-labrador/7-year-fixed | Uninsurable | 5.11% | 6.35% | 12 |
| newfoundland-and-labrador/8-year-fixed | Insured | 7.14% | 7.14% | 3 |
| newfoundland-and-labrador/8-year-fixed | Insurable | 7.14% | 7.14% | 3 |
| newfoundland-and-labrador/9-year-fixed | Insured | 7.14% | 7.14% | 3 |
| newfoundland-and-labrador/9-year-fixed | Insurable | 7.14% | 7.14% | 3 |
| nova-scotia/1-year-fixed | Insured | 4.39% | 6.89% | 36 |
| nova-scotia/1-year-fixed | Insurable | 4.59% | 6.89% | 33 |
| nova-scotia/1-year-fixed | Uninsurable | 4.74% | 6.89% | 18 |
| nova-scotia/10-year-fixed | Insured | 5.49% | 7.89% | 30 |
| nova-scotia/10-year-fixed | Insurable | 5.49% | 7.89% | 27 |
| nova-scotia/10-year-fixed | Uninsurable | 5.49% | 6.79% | 12 |
| nova-scotia/2-year-fixed | Insured | 3.94% | 6.34% | 42 |
| nova-scotia/2-year-fixed | Insurable | 4.44% | 6.34% | 39 |
| nova-scotia/2-year-fixed | Uninsurable | 4.49% | 6.34% | 18 |
| nova-scotia/3-year-fixed | Insured | 3.94% | 6.09% | 54 |
| nova-scotia/3-year-fixed | Insurable | 4.19% | 6.09% | 48 |
| nova-scotia/3-year-fixed | Uninsurable | 4.19% | 5.55% | 30 |
| nova-scotia/3-year-variable | Insured | 3.59% | 4.75% | 15 |
| nova-scotia/3-year-variable | Insurable | 3.60% | 4.05% | 9 |
| nova-scotia/3-year-variable | Uninsurable | 4.00% | 4.05% | 6 |
| nova-scotia/4-year-fixed | Insured | 4.14% | 6.19% | 45 |
| nova-scotia/4-year-fixed | Insurable | 4.19% | 6.19% | 39 |
| nova-scotia/4-year-fixed | Uninsurable | 4.19% | 5.49% | 21 |
| nova-scotia/5-year-fixed | Insured | 4.04% | 5.59% | 54 |
| nova-scotia/5-year-fixed | Insurable | 4.04% | 5.59% | 48 |
| nova-scotia/5-year-fixed | Uninsurable | 4.04% | 5.59% | 30 |
| nova-scotia/5-year-variable | Insured | 3.35% | 4.65% | 51 |
| nova-scotia/5-year-variable | Insurable | 3.40% | 6.00% | 39 |
| nova-scotia/5-year-variable | Uninsurable | 3.40% | 4.24% | 21 |
| nova-scotia/6-months-fixed | Insured | 2.49% | 7.84% | 12 |
| nova-scotia/6-months-fixed | Insurable | 6.04% | 7.84% | 9 |
| nova-scotia/6-months-fixed | Uninsurable | 7.55% | 7.55% | 3 |
| nova-scotia/6-year-fixed | Insured | 6.69% | 7.14% | 6 |
| nova-scotia/6-year-fixed | Insurable | 6.69% | 6.69% | 3 |
| nova-scotia/7-year-fixed | Insured | 4.91% | 7.79% | 33 |
| nova-scotia/7-year-fixed | Insurable | 4.91% | 6.69% | 30 |
| nova-scotia/7-year-fixed | Uninsurable | 5.11% | 6.35% | 12 |
| nova-scotia/8-year-fixed | Insured | 7.14% | 7.14% | 3 |
| nova-scotia/8-year-fixed | Insurable | 7.14% | 7.14% | 3 |
| nova-scotia/9-year-fixed | Insured | 7.14% | 7.14% | 3 |
| nova-scotia/9-year-fixed | Insurable | 7.14% | 7.14% | 3 |
| ontario/1-year-fixed | Insured | 4.39% | 6.89% | 92 |
| ontario/1-year-fixed | Insurable | 4.39% | 6.89% | 84 |
| ontario/1-year-fixed | Uninsurable | 4.39% | 6.89% | 52 |
| ontario/10-year-fixed | Insured | 4.99% | 7.89% | 48 |
| ontario/10-year-fixed | Insurable | 5.14% | 7.89% | 44 |
| ontario/10-year-fixed | Uninsurable | 5.14% | 6.79% | 24 |
| ontario/2-year-fixed | Insured | 3.94% | 6.34% | 100 |
| ontario/2-year-fixed | Insurable | 4.24% | 6.34% | 92 |
| ontario/2-year-fixed | Uninsurable | 4.24% | 6.34% | 52 |
| ontario/3-year-fixed | Insured | 3.89% | 6.09% | 132 |
| ontario/3-year-fixed | Insurable | 4.04% | 6.09% | 120 |
| ontario/3-year-fixed | Uninsurable | 4.04% | 5.55% | 72 |
| ontario/3-year-variable | Insured | 3.50% | 4.75% | 37 |
| ontario/3-year-variable | Insurable | 3.60% | 4.25% | 25 |
| ontario/3-year-variable | Uninsurable | 3.95% | 4.25% | 21 |
| ontario/4-year-fixed | Insured | 3.99% | 6.19% | 104 |
| ontario/4-year-fixed | Insurable | 4.19% | 6.19% | 92 |
| ontario/4-year-fixed | Uninsurable | 4.19% | 5.49% | 52 |
| ontario/5-year-fixed | Insured | 3.94% | 5.59% | 132 |
| ontario/5-year-fixed | Insurable | 4.04% | 5.59% | 120 |
| ontario/5-year-fixed | Uninsurable | 4.04% | 5.59% | 68 |
| ontario/5-year-variable | Insured | 3.30% | 4.65% | 116 |
| ontario/5-year-variable | Insurable | 3.35% | 6.00% | 96 |
| ontario/5-year-variable | Uninsurable | 3.35% | 4.45% | 56 |
| ontario/6-months-fixed | Insured | 2.49% | 9.99% | 40 |
| ontario/6-months-fixed | Insurable | 6.04% | 7.84% | 32 |
| ontario/6-months-fixed | Uninsurable | 6.34% | 7.55% | 12 |
| ontario/6-year-fixed | Insured | 4.54% | 7.14% | 12 |
| ontario/6-year-fixed | Insurable | 4.69% | 6.69% | 8 |
| ontario/6-year-fixed | Uninsurable | 4.69% | 4.69% | 4 |
| ontario/7-year-fixed | Insured | 4.54% | 7.79% | 64 |
| ontario/7-year-fixed | Insurable | 4.69% | 7.10% | 60 |
| ontario/7-year-fixed | Uninsurable | 4.69% | 6.35% | 28 |
| ontario/8-year-fixed | Insured | 7.14% | 7.14% | 4 |
| ontario/8-year-fixed | Insurable | 7.14% | 7.14% | 4 |
| ontario/9-year-fixed | Insured | 7.14% | 7.14% | 4 |
| ontario/9-year-fixed | Insurable | 7.14% | 7.14% | 4 |
| prince-edward-island/1-year-fixed | Insured | 4.39% | 6.89% | 36 |
| prince-edward-island/1-year-fixed | Insurable | 4.59% | 6.89% | 33 |
| prince-edward-island/1-year-fixed | Uninsurable | 4.74% | 6.89% | 18 |
| prince-edward-island/10-year-fixed | Insured | 5.49% | 7.89% | 40 |
| prince-edward-island/10-year-fixed | Insurable | 5.49% | 7.89% | 36 |
| prince-edward-island/10-year-fixed | Uninsurable | 5.49% | 6.79% | 16 |
| prince-edward-island/2-year-fixed | Insured | 3.94% | 6.34% | 42 |
| prince-edward-island/2-year-fixed | Insurable | 4.44% | 6.34% | 39 |
| prince-edward-island/2-year-fixed | Uninsurable | 4.49% | 6.34% | 18 |
| prince-edward-island/3-year-fixed | Insured | 3.94% | 6.09% | 56 |
| prince-edward-island/3-year-fixed | Insurable | 4.19% | 6.09% | 50 |
| prince-edward-island/3-year-fixed | Uninsurable | 4.19% | 5.55% | 31 |
| prince-edward-island/3-year-variable | Insured | 3.59% | 4.75% | 20 |
| prince-edward-island/3-year-variable | Insurable | 3.60% | 4.05% | 12 |
| prince-edward-island/3-year-variable | Uninsurable | 4.00% | 4.05% | 8 |
| prince-edward-island/4-year-fixed | Insured | 4.14% | 6.19% | 60 |
| prince-edward-island/4-year-fixed | Insurable | 4.19% | 6.19% | 52 |
| prince-edward-island/4-year-fixed | Uninsurable | 4.19% | 5.49% | 28 |
| prince-edward-island/5-year-fixed | Insured | 4.04% | 5.59% | 72 |
| prince-edward-island/5-year-fixed | Insurable | 4.04% | 5.59% | 64 |
| prince-edward-island/5-year-fixed | Uninsurable | 4.04% | 5.59% | 40 |
| prince-edward-island/5-year-variable | Insured | 3.35% | 4.65% | 68 |
| prince-edward-island/5-year-variable | Insurable | 3.40% | 6.00% | 52 |
| prince-edward-island/5-year-variable | Uninsurable | 3.40% | 4.24% | 28 |
| prince-edward-island/6-months-fixed | Insured | 2.49% | 7.84% | 12 |
| prince-edward-island/6-months-fixed | Insurable | 6.04% | 7.84% | 9 |
| prince-edward-island/6-months-fixed | Uninsurable | 7.55% | 7.55% | 3 |
| prince-edward-island/6-year-fixed | Insured | 6.69% | 7.14% | 8 |
| prince-edward-island/6-year-fixed | Insurable | 6.69% | 6.69% | 4 |
| prince-edward-island/7-year-fixed | Insured | 4.91% | 7.79% | 44 |
| prince-edward-island/7-year-fixed | Insurable | 4.91% | 6.69% | 40 |
| prince-edward-island/7-year-fixed | Uninsurable | 5.11% | 6.35% | 16 |
| prince-edward-island/8-year-fixed | Insured | 7.14% | 7.14% | 4 |
| prince-edward-island/8-year-fixed | Insurable | 7.14% | 7.14% | 4 |
| prince-edward-island/9-year-fixed | Insured | 7.14% | 7.14% | 4 |
| prince-edward-island/9-year-fixed | Insurable | 7.14% | 7.14% | 4 |
| quebec/1-year-fixed | Insured | 4.29% | 6.89% | 44 |
| quebec/1-year-fixed | Insurable | 4.59% | 6.89% | 40 |
| quebec/1-year-fixed | Uninsurable | 4.74% | 6.89% | 20 |
| quebec/10-year-fixed | Insured | 5.49% | 7.89% | 36 |
| quebec/10-year-fixed | Insurable | 5.49% | 7.89% | 32 |
| quebec/10-year-fixed | Uninsurable | 5.49% | 6.79% | 12 |
| quebec/2-year-fixed | Insured | 3.94% | 6.34% | 52 |
| quebec/2-year-fixed | Insurable | 4.44% | 6.34% | 48 |
| quebec/2-year-fixed | Uninsurable | 4.49% | 6.34% | 20 |
| quebec/3-year-fixed | Insured | 3.94% | 6.09% | 68 |
| quebec/3-year-fixed | Insurable | 4.24% | 6.09% | 60 |
| quebec/3-year-fixed | Uninsurable | 4.24% | 5.55% | 36 |
| quebec/3-year-variable | Insured | 3.60% | 4.75% | 16 |
| quebec/3-year-variable | Insurable | 3.60% | 4.05% | 8 |
| quebec/3-year-variable | Uninsurable | 4.05% | 4.05% | 4 |
| quebec/4-year-fixed | Insured | 4.14% | 6.19% | 60 |
| quebec/4-year-fixed | Insurable | 4.39% | 6.19% | 52 |
| quebec/4-year-fixed | Uninsurable | 4.62% | 5.49% | 24 |
| quebec/5-year-fixed | Insured | 4.14% | 5.59% | 72 |
| quebec/5-year-fixed | Insurable | 4.24% | 5.59% | 64 |
| quebec/5-year-fixed | Uninsurable | 4.24% | 5.59% | 36 |
| quebec/5-year-variable | Insured | 3.49% | 4.65% | 68 |
| quebec/5-year-variable | Insurable | 3.46% | 6.00% | 52 |
| quebec/5-year-variable | Uninsurable | 3.46% | 4.24% | 24 |
| quebec/6-months-fixed | Insured | 2.49% | 7.84% | 16 |
| quebec/6-months-fixed | Insurable | 6.04% | 7.84% | 12 |
| quebec/6-months-fixed | Uninsurable | 7.55% | 7.55% | 4 |
| quebec/6-year-fixed | Insured | 6.69% | 7.14% | 8 |
| quebec/6-year-fixed | Insurable | 6.69% | 6.69% | 4 |
| quebec/7-year-fixed | Insured | 4.91% | 7.79% | 44 |
| quebec/7-year-fixed | Insurable | 4.91% | 6.69% | 40 |
| quebec/7-year-fixed | Uninsurable | 5.11% | 6.35% | 16 |
| quebec/8-year-fixed | Insured | 7.14% | 7.14% | 4 |
| quebec/8-year-fixed | Insurable | 7.14% | 7.14% | 4 |
| quebec/9-year-fixed | Insured | 7.14% | 7.14% | 4 |
| quebec/9-year-fixed | Insurable | 7.14% | 7.14% | 4 |
| saskatchewan/1-year-fixed | Insured | 4.29% | 6.89% | 60 |
| saskatchewan/1-year-fixed | Insurable | 4.59% | 6.89% | 56 |
| saskatchewan/1-year-fixed | Uninsurable | 4.74% | 6.89% | 28 |
| saskatchewan/10-year-fixed | Insured | 5.49% | 7.89% | 32 |
| saskatchewan/10-year-fixed | Insurable | 5.49% | 7.14% | 28 |
| saskatchewan/10-year-fixed | Uninsurable | 5.49% | 6.79% | 12 |
| saskatchewan/2-year-fixed | Insured | 3.94% | 6.34% | 64 |
| saskatchewan/2-year-fixed | Insurable | 4.16% | 6.34% | 60 |
| saskatchewan/2-year-fixed | Uninsurable | 4.49% | 6.34% | 28 |
| saskatchewan/3-year-fixed | Insured | 3.91% | 6.09% | 80 |
| saskatchewan/3-year-fixed | Insurable | 3.99% | 6.09% | 72 |
| saskatchewan/3-year-fixed | Uninsurable | 4.39% | 5.55% | 40 |
| saskatchewan/3-year-variable | Insured | 3.69% | 4.75% | 16 |
| saskatchewan/3-year-variable | Insurable | 3.69% | 4.05% | 8 |
| saskatchewan/3-year-variable | Uninsurable | 3.69% | 4.05% | 8 |
| saskatchewan/4-year-fixed | Insured | 3.99% | 6.19% | 64 |
| saskatchewan/4-year-fixed | Insurable | 3.99% | 6.19% | 56 |
| saskatchewan/4-year-fixed | Uninsurable | 4.44% | 5.49% | 24 |
| saskatchewan/5-year-fixed | Insured | 3.99% | 5.59% | 76 |
| saskatchewan/5-year-fixed | Insurable | 3.99% | 5.59% | 68 |
| saskatchewan/5-year-fixed | Uninsurable | 4.44% | 5.59% | 36 |
| saskatchewan/5-year-variable | Insured | 3.49% | 4.65% | 64 |
| saskatchewan/5-year-variable | Insurable | 3.69% | 6.00% | 48 |
| saskatchewan/5-year-variable | Uninsurable | 3.69% | 4.24% | 24 |
| saskatchewan/6-months-fixed | Insured | 2.49% | 7.84% | 20 |
| saskatchewan/6-months-fixed | Insurable | 5.19% | 7.84% | 16 |
| saskatchewan/6-months-fixed | Uninsurable | 5.19% | 7.55% | 8 |
| saskatchewan/6-year-fixed | Insured | 6.69% | 7.14% | 8 |
| saskatchewan/6-year-fixed | Insurable | 6.69% | 6.69% | 4 |
| saskatchewan/7-year-fixed | Insured | 4.91% | 7.79% | 40 |
| saskatchewan/7-year-fixed | Insurable | 4.91% | 6.69% | 36 |
| saskatchewan/7-year-fixed | Uninsurable | 5.11% | 6.35% | 16 |
| saskatchewan/8-year-fixed | Insured | 7.14% | 7.14% | 4 |
| saskatchewan/8-year-fixed | Insurable | 7.14% | 7.14% | 4 |
| saskatchewan/9-year-fixed | Insured | 7.14% | 7.14% | 4 |
| saskatchewan/9-year-fixed | Insurable | 7.14% | 7.14% | 4 |

## 9. Current Mortgage Rates

### Alberta (AB)

#### 6-Month Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Joe Purewal ⭐ | 3.64% | — | — |
| True North Mortgage ⭐ | 2.49% | — | — |
| Innovation Credit Union | 6.04% | 6.04% | — |
| CIBC | 7.55% | 7.55% | 7.55% |
| Laurentian | 7.84% | 7.84% | — |

#### 1-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| True North Mortgage ⭐ | 4.39% | — | — |
| Vision Credit Union | 4.49% | 4.49% | — |
| Innovation Credit Union | 4.59% | 4.59% | — |
| CIBC | 4.74% | 4.74% | 4.74% |
| Servus Credit Union | 4.79% | 4.79% | — |
| RBC | 4.89% | 4.89% | — |
| Shinhan Bank | 4.89% | 4.89% | 4.89% |
| Bridgewater Bank | 4.89% | 4.89% | 4.89% |
| Community Trust | 4.99% | 4.99% | 4.99% |
| First National | 5.29% | 5.29% | 5.29% |
| CMLS | 5.34% | 4.94% | — |
| National Bank | 5.49% | 5.49% | 5.49% |
| Laurentian | 5.64% | 5.64% | — |
| Tangerine | 5.99% | 5.99% | — |
| ATB | 6.09% | 6.09% | 6.09% |
| Manulife | 6.89% | 6.89% | 6.89% |

#### 2-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Vision Credit Union ⭐ | 3.56% | 3.56% | — |
| True North Mortgage | 3.94% | — | — |
| Servus Credit Union | 4.39% | 4.39% | — |
| Shinhan Bank | 4.39% | 4.39% | 4.39% |
| CIBC | 4.49% | 4.49% | 4.49% |
| Innovation Credit Union | 4.49% | 4.49% | — |
| Simplii Financial | 4.49% | 4.49% | — |
| CMLS | 4.74% | 4.44% | — |
| nesto | 4.74% | 5.91% | — |
| RBC | 4.79% | 4.79% | — |
| National Bank | 4.84% | 4.84% | 4.84% |
| First National | 4.89% | 4.89% | 4.89% |
| Community Trust | 4.89% | 4.89% | 4.89% |
| Bridgewater Bank | 5.04% | 5.04% | 5.04% |
| Tangerine | 5.14% | 5.14% | — |
| ATB | 5.59% | 5.59% | 5.59% |
| Laurentian | 5.94% | 5.94% | — |
| Manulife | 6.34% | 6.34% | 6.34% |

#### 3-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Vision Credit Union ⭐ | 3.56% | 3.56% | — |
| Butler Mortgage | 3.89% | 4.09% | 4.09% |
| Joe Purewal | 3.89% | 4.09% | 4.09% |
| True North Mortgage | 3.94% | — | — |
| Shinhan Bank | 4.24% | 4.24% | 4.24% |
| nesto | 4.29% | 4.29% | 4.29% |
| Investors Group | 4.34% | 4.79% | 4.79% |
| Innovation Credit Union | 4.29% | 4.29% | — |
| ATB | 4.34% | 4.34% | 4.34% |
| IG Wealth Management | 4.34% | 4.79% | 4.79% |
| Equitable | 4.34% | — | — |
| Servus Credit Union | 4.39% | 4.39% | — |
| Tangerine | 4.44% | 4.44% | — |
| RBC | 4.49% | 4.49% | — |
| National Bank | 4.64% | 4.64% | 4.64% |
| TD | 4.64% | 4.64% | 4.64% |
| BMO | 4.64% | 4.64% | 4.64% |
| CMLS | 4.64% | 4.89% | — |
| CIBC | 4.74% | 4.74% | 4.74% |
| Simplii Financial | 4.74% | 4.74% | — |
| First National | 4.84% | 4.84% | 4.84% |
| Manulife | 4.99% | 4.99% | 4.99% |
| Bridgewater Bank | 5.24% | 5.24% | 5.24% |
| Community Trust | 5.55% | 5.55% | 5.55% |
| Laurentian | 6.09% | 6.09% | — |

#### 4-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Vision Credit Union ⭐ | 3.74% | 3.74% | — |
| Desjardins | 4.39% | 4.39% | — |
| Joe Purewal | 4.14% | 4.39% | 4.39% |
| True North Mortgage | 4.14% | — | — |
| ATB | 4.34% | 4.34% | 4.34% |
| nesto | 4.44% | 4.67% | 4.67% |
| Shinhan Bank | 4.44% | 4.44% | 4.44% |
| Innovation Credit Union | 4.49% | 4.49% | — |
| Tangerine | 4.49% | 4.49% | — |
| Servus Credit Union | 4.49% | 4.49% | — |
| Equitable | 4.64% | — | — |
| CMLS | 4.74% | 4.69% | — |
| National Bank | 4.79% | 4.79% | 4.79% |
| First National | 4.79% | 4.79% | 4.79% |
| RBC | 4.84% | 4.84% | — |
| CIBC | 4.89% | 4.89% | 4.89% |
| Simplii Financial | 4.89% | 4.89% | — |
| Manulife | 5.29% | 5.29% | 5.29% |
| Community Trust | 5.49% | 5.49% | 5.49% |
| Laurentian | 6.19% | 6.19% | — |

#### 5-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Meridian ⭐ | 3.64% | 3.69% | 3.94% |
| Vision Credit Union ⭐ | 3.93% | 3.93% | — |
| Butler Mortgage | 4.04% | 4.09% | 4.09% |
| Joe Purewal | 4.09% | 4.29% | 4.29% |
| True North Mortgage | 4.14% | — | — |
| nesto | 4.64% | 4.24% | 4.24% |
| Servus Credit Union | 4.29% | 4.54% | — |
| CMLS | 4.34% | 4.94% | — |
| ATB | 4.39% | 4.39% | 4.39% |
| Desjardins | 4.49% | 4.49% | — |
| Manulife | 4.39% | 4.69% | 4.69% |
| Investors Group | 4.49% | 4.79% | — |
| Innovation Credit Union | 4.39% | 4.39% | — |
| Laurentian | 4.39% | 4.99% | — |
| Shinhan Bank | 4.39% | 4.39% | 4.39% |
| IG Wealth Management | 4.49% | 4.84% | 4.84% |
| Tangerine | 4.49% | 4.49% | — |
| Equitable | 4.54% | — | — |
| CIBC | 4.59% | 4.94% | 4.94% |
| First National | 4.64% | 4.69% | 4.69% |
| National Bank | 4.69% | 4.84% | 4.84% |
| BMO | 4.74% | 4.84% | 4.84% |
| TD | 4.84% | 4.84% | 4.84% |
| RBC | 4.89% | 4.89% | — |
| Simplii Financial | 4.94% | 4.94% | — |
| Community Trust | 5.59% | 5.59% | 5.59% |

#### 6-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Laurentian ⭐ | 6.69% | 6.69% | — |
| Joe Purewal ⭐ | 4.54% | 4.69% | 4.69% |
| CMLS | 7.14% | — | — |

#### 7-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Joe Purewal ⭐ | 4.90% | 5.25% | 5.25% |
| Innovation Credit Union | 4.91% | 4.91% | — |
| RBC | 5.00% | 5.00% | — |
| CIBC | 5.11% | 5.11% | 5.11% |
| First National | 5.14% | 5.14% | 5.14% |
| National Bank | 5.26% | 5.26% | 5.26% |
| Tangerine | 5.50% | 5.50% | — |
| nesto | 6.34% | 6.34% | — |
| Manulife | 6.35% | 6.35% | 6.35% |
| Investors Group | 6.40% | 6.40% | — |
| IG Wealth Management | 6.40% | 6.40% | — |
| Laurentian | 6.69% | 6.69% | — |
| CMLS | 7.79% | — | — |

#### 8-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Laurentian ⭐ | 7.14% | 7.14% | — |

#### 9-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Laurentian ⭐ | 7.14% | 7.14% | — |

#### 10-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Joe Purewal ⭐ | 5.25% | 5.50% | 5.50% |
| First National | 5.49% | 5.49% | 5.49% |
| Innovation Credit Union | 5.51% | 5.51% | — |
| Tangerine | 5.90% | 5.90% | — |
| Manulife | 6.69% | 6.69% | 6.69% |
| CIBC | 6.79% | 6.79% | 6.79% |
| Investors Group | 6.80% | 6.80% | — |
| IG Wealth Management | 6.80% | 6.80% | — |
| Laurentian | 7.14% | 7.14% | — |
| nesto | 7.89% | 7.89% | — |
| CMLS | 7.89% | — | — |

#### 3-Year Variable

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| nesto ⭐ | 3.60% | 3.60% | — |
| CIBC | 4.05% | 4.05% | 4.05% |
| Shinhan Bank | 4.05% | 4.05% | 4.05% |
| ATB | 4.39% | 4.34% | 4.34% |
| Laurentian | 4.45% | — | — |
| CMLS | 4.75% | — | — |

#### 5-Year Variable

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Butler Mortgage ⭐ | 3.30% | 3.35% | 3.35% |
| Joe Purewal | 3.35% | 3.65% | 3.65% |
| nesto | 3.80% | 3.46% | 3.46% |
| True North Mortgage | 3.49% | — | — |
| Equitable | 3.60% | — | — |
| ATB | 3.65% | 3.80% | 3.80% |
| First National | 3.70% | 3.95% | — |
| Investors Group | 3.75% | 4.09% | — |
| IG Wealth Management | 3.75% | 4.09% | 4.09% |
| Shinhan Bank | 3.85% | 3.85% | 3.85% |
| CIBC | 3.95% | 4.10% | 4.10% |
| RBC | 3.95% | 3.95% | — |
| Tangerine | 4.00% | 4.00% | — |
| National Bank | 4.10% | 4.10% | 4.10% |
| BMO | 4.10% | 4.10% | 4.10% |
| Simplii Financial | 4.10% | 4.10% | — |
| Laurentian | 4.10% | — | — |
| Desjardins | 4.10% | 4.10% | — |
| TD | 4.24% | 4.24% | 4.24% |
| Innovation Credit Union | 4.35% | 6.00% | — |
| Manulife | 4.45% | 4.45% | — |
| CMLS | 4.65% | — | — |

### Newfoundland and Labrador (NL)

#### 6-Month Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| True North Mortgage ⭐ | 2.49% | — | — |
| Innovation Credit Union | 6.04% | 6.04% | — |
| CIBC | 7.55% | 7.55% | 7.55% |
| Laurentian | 7.84% | 7.84% | — |

#### 1-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| True North Mortgage ⭐ | 4.39% | — | — |
| Frank Mortgage | 4.54% | 5.14% | 5.14% |
| Innovation Credit Union | 4.59% | 4.59% | — |
| CIBC | 4.74% | 4.74% | 4.74% |
| RBC | 4.89% | 4.89% | — |
| Community Trust | 4.99% | 4.99% | 4.99% |
| First National | 5.29% | 5.29% | 5.29% |
| CMLS | 5.34% | 4.94% | — |
| National Bank | 5.49% | 5.49% | 5.49% |
| Laurentian | 5.64% | 5.64% | — |
| Tangerine | 5.99% | 5.99% | — |
| Manulife | 6.89% | 6.89% | 6.89% |

#### 2-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| True North Mortgage ⭐ | 3.94% | — | — |
| Frank Mortgage | 3.99% | 4.59% | 4.59% |
| CIBC | 4.49% | 4.49% | 4.49% |
| Innovation Credit Union | 4.49% | 4.49% | — |
| Simplii Financial | 4.49% | 4.49% | — |
| CMLS | 4.74% | 4.44% | — |
| nesto | 4.74% | 5.91% | — |
| RBC | 4.79% | 4.79% | — |
| National Bank | 4.84% | 4.84% | 4.84% |
| First National | 4.89% | 4.89% | 4.89% |
| Community Trust | 4.89% | 4.89% | 4.89% |
| Tangerine | 5.14% | 5.14% | — |
| Laurentian | 5.94% | 5.94% | — |
| Manulife | 6.34% | 6.34% | 6.34% |

#### 3-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| True North Mortgage ⭐ | 3.94% | — | — |
| Frank Mortgage | 3.99% | 4.19% | 4.19% |
| nesto | 4.29% | 4.29% | 4.29% |
| Investors Group | 4.34% | 4.79% | 4.79% |
| Innovation Credit Union | 4.29% | 4.29% | — |
| IG Wealth Management | 4.34% | 4.79% | 4.79% |
| Equitable | 4.34% | — | — |
| Tangerine | 4.44% | 4.44% | — |
| RBC | 4.49% | 4.49% | — |
| National Bank | 4.64% | 4.64% | 4.64% |
| TD | 4.64% | 4.64% | 4.64% |
| BMO | 4.64% | 4.64% | 4.64% |
| CMLS | 4.64% | 4.89% | — |
| CIBC | 4.74% | 4.74% | 4.74% |
| Simplii Financial | 4.74% | 4.74% | — |
| First National | 4.84% | 4.84% | 4.84% |
| Manulife | 4.99% | 4.99% | 4.99% |
| Community Trust | 5.55% | 5.55% | 5.55% |
| Laurentian | 6.09% | 6.09% | — |

#### 4-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| True North Mortgage ⭐ | 4.14% | — | — |
| Frank Mortgage | 4.19% | 4.19% | 4.19% |
| Desjardins | 4.39% | 4.39% | — |
| nesto | 4.44% | 4.67% | 4.67% |
| Innovation Credit Union | 4.49% | 4.49% | — |
| Tangerine | 4.49% | 4.49% | — |
| Equitable | 4.64% | — | — |
| CMLS | 4.74% | 4.69% | — |
| National Bank | 4.79% | 4.79% | 4.79% |
| First National | 4.79% | 4.79% | 4.79% |
| RBC | 4.84% | 4.84% | — |
| CIBC | 4.89% | 4.89% | 4.89% |
| Simplii Financial | 4.89% | 4.89% | — |
| Manulife | 5.29% | 5.29% | 5.29% |
| Community Trust | 5.49% | 5.49% | 5.49% |
| Laurentian | 6.19% | 6.19% | — |

#### 5-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Frank Mortgage ⭐ | 4.04% | 4.04% | 4.04% |
| True North Mortgage | 4.14% | — | — |
| nesto | 4.64% | 4.24% | 4.24% |
| CMLS | 4.34% | 4.94% | — |
| Manulife | 4.39% | 4.69% | 4.69% |
| Innovation Credit Union | 4.39% | 4.39% | — |
| Laurentian | 4.39% | 4.99% | — |
| Desjardins | 4.49% | 4.49% | — |
| IG Wealth Management | 4.49% | 4.84% | 4.84% |
| Investors Group | 4.49% | 4.79% | — |
| Tangerine | 4.49% | 4.49% | — |
| Equitable | 4.54% | — | — |
| CIBC | 4.59% | 4.94% | 4.94% |
| First National | 4.64% | 4.69% | 4.69% |
| National Bank | 4.69% | 4.84% | 4.84% |
| BMO | 4.74% | 4.84% | 4.84% |
| TD | 4.84% | 4.84% | 4.84% |
| RBC | 4.89% | 4.89% | — |
| Simplii Financial | 4.94% | 4.94% | — |
| Community Trust | 5.59% | 5.59% | 5.59% |

#### 6-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Laurentian ⭐ | 6.69% | 6.69% | — |
| CMLS | 7.14% | — | — |

#### 7-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Innovation Credit Union ⭐ | 4.91% | 4.91% | — |
| RBC | 5.00% | 5.00% | — |
| CIBC | 5.11% | 5.11% | 5.11% |
| First National | 5.14% | 5.14% | 5.14% |
| National Bank | 5.26% | 5.26% | 5.26% |
| Tangerine | 5.50% | 5.50% | — |
| nesto | 6.34% | 6.34% | — |
| Manulife | 6.35% | 6.35% | 6.35% |
| Investors Group | 6.40% | 6.40% | — |
| IG Wealth Management | 6.40% | 6.40% | — |
| Laurentian | 6.69% | 6.69% | — |
| CMLS | 7.79% | — | — |

#### 8-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Laurentian ⭐ | 7.14% | 7.14% | — |

#### 9-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Laurentian ⭐ | 7.14% | 7.14% | — |

#### 10-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| First National ⭐ | 5.49% | 5.49% | 5.49% |
| Frank Mortgage | 5.50% | 5.54% | 5.54% |
| Innovation Credit Union | 5.51% | 5.51% | — |
| Tangerine | 5.90% | 5.90% | — |
| Manulife | 6.69% | 6.69% | 6.69% |
| CIBC | 6.79% | 6.79% | 6.79% |
| Investors Group | 6.80% | 6.80% | — |
| IG Wealth Management | 6.80% | 6.80% | — |
| Laurentian | 7.14% | 7.14% | — |
| nesto | 7.89% | 7.89% | — |
| CMLS | 7.89% | — | — |

#### 3-Year Variable

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Frank Mortgage ⭐ | 3.59% | 4.00% | 4.00% |
| nesto | 3.60% | 3.60% | — |
| CIBC | 4.05% | 4.05% | 4.05% |
| Laurentian | 4.45% | — | — |
| CMLS | 4.75% | — | — |

#### 5-Year Variable

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Frank Mortgage ⭐ | 3.35% | 3.40% | 3.40% |
| nesto | 3.80% | 3.46% | 3.46% |
| True North Mortgage | 3.49% | — | — |
| Equitable | 3.60% | — | — |
| First National | 3.70% | 3.95% | — |
| Investors Group | 3.75% | 4.09% | — |
| IG Wealth Management | 3.75% | 4.09% | 4.09% |
| CIBC | 3.95% | 4.10% | 4.10% |
| RBC | 3.95% | 3.95% | — |
| Tangerine | 4.00% | 4.00% | — |
| National Bank | 4.10% | 4.10% | 4.10% |
| BMO | 4.10% | 4.10% | 4.10% |
| Simplii Financial | 4.10% | 4.10% | — |
| Laurentian | 4.10% | — | — |
| Desjardins | 4.10% | 4.10% | — |
| TD | 4.24% | 4.24% | 4.24% |
| Innovation Credit Union | 4.35% | 6.00% | — |
| Manulife | 4.45% | 4.45% | — |
| CMLS | 4.65% | — | — |

### Quebec (QC)

#### 6-Month Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| True North Mortgage ⭐ | 2.49% | — | — |
| Innovation Credit Union | 6.04% | 6.04% | — |
| CIBC | 7.55% | 7.55% | 7.55% |
| Laurentian | 7.84% | 7.84% | — |

#### 1-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| True North Mortgage ⭐ | 4.39% | — | — |
| Innovation Credit Union | 4.59% | 4.59% | — |
| CIBC | 4.74% | 4.74% | 4.74% |
| RBC | 4.89% | 4.89% | — |
| Community Trust | 4.99% | 4.99% | 4.99% |
| First National | 5.29% | 5.29% | 5.29% |
| CMLS | 5.34% | 4.94% | — |
| National Bank | 5.49% | 5.49% | 5.49% |
| Laurentian | 5.64% | 5.64% | — |
| Tangerine | 5.99% | 5.99% | — |
| Manulife | 6.89% | 6.89% | 6.89% |

#### 2-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| True North Mortgage ⭐ | 3.94% | — | — |
| CIBC | 4.49% | 4.49% | 4.49% |
| Innovation Credit Union | 4.49% | 4.49% | — |
| Simplii Financial | 4.49% | 4.49% | — |
| CMLS | 4.74% | 4.44% | — |
| nesto | 4.74% | 5.91% | — |
| RBC | 4.79% | 4.79% | — |
| National Bank | 4.84% | 4.84% | 4.84% |
| First National | 4.89% | 4.89% | 4.89% |
| Community Trust | 4.89% | 4.89% | 4.89% |
| Tangerine | 5.14% | 5.14% | — |
| Laurentian | 5.94% | 5.94% | — |
| Manulife | 6.34% | 6.34% | 6.34% |

#### 3-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| True North Mortgage ⭐ | 3.94% | — | — |
| nesto | 4.29% | 4.29% | 4.29% |
| Investors Group | 4.34% | 4.79% | 4.79% |
| Innovation Credit Union | 4.29% | 4.29% | — |
| IG Wealth Management | 4.34% | 4.79% | 4.79% |
| Equitable | 4.34% | — | — |
| Tangerine | 4.44% | 4.44% | — |
| RBC | 4.49% | 4.49% | — |
| National Bank | 4.64% | 4.64% | 4.64% |
| TD | 4.64% | 4.64% | 4.64% |
| BMO | 4.64% | 4.64% | 4.64% |
| CMLS | 4.64% | 4.89% | — |
| CIBC | 4.74% | 4.74% | 4.74% |
| Simplii Financial | 4.74% | 4.74% | — |
| First National | 4.84% | 4.84% | 4.84% |
| Manulife | 4.99% | 4.99% | 4.99% |
| Community Trust | 5.55% | 5.55% | 5.55% |
| Laurentian | 6.09% | 6.09% | — |

#### 4-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| True North Mortgage ⭐ | 4.14% | — | — |
| Desjardins | 4.39% | 4.39% | — |
| nesto | 4.44% | 4.67% | 4.67% |
| Innovation Credit Union | 4.49% | 4.49% | — |
| Tangerine | 4.49% | 4.49% | — |
| Equitable | 4.64% | — | — |
| CMLS | 4.74% | 4.69% | — |
| National Bank | 4.79% | 4.79% | 4.79% |
| First National | 4.79% | 4.79% | 4.79% |
| RBC | 4.84% | 4.84% | — |
| CIBC | 4.89% | 4.89% | 4.89% |
| Simplii Financial | 4.89% | 4.89% | — |
| Manulife | 5.29% | 5.29% | 5.29% |
| Community Trust | 5.49% | 5.49% | 5.49% |
| Laurentian | 6.19% | 6.19% | — |

#### 5-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| True North Mortgage ⭐ | 4.14% | — | — |
| nesto | 4.64% | 4.24% | 4.24% |
| CMLS | 4.34% | 4.94% | — |
| Manulife | 4.39% | 4.69% | 4.69% |
| Innovation Credit Union | 4.39% | 4.39% | — |
| Laurentian | 4.39% | 4.99% | — |
| IG Wealth Management | 4.49% | 4.84% | 4.84% |
| Desjardins | 4.49% | 4.49% | — |
| Investors Group | 4.49% | 4.79% | — |
| Tangerine | 4.49% | 4.49% | — |
| Equitable | 4.54% | — | — |
| CIBC | 4.59% | 4.94% | 4.94% |
| First National | 4.64% | 4.69% | 4.69% |
| National Bank | 4.69% | 4.84% | 4.84% |
| BMO | 4.74% | 4.84% | 4.84% |
| TD | 4.84% | 4.84% | 4.84% |
| RBC | 4.89% | 4.89% | — |
| Simplii Financial | 4.94% | 4.94% | — |
| Community Trust | 5.59% | 5.59% | 5.59% |

#### 6-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Laurentian ⭐ | 6.69% | 6.69% | — |
| CMLS | 7.14% | — | — |

#### 7-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Innovation Credit Union ⭐ | 4.91% | 4.91% | — |
| RBC | 5.00% | 5.00% | — |
| CIBC | 5.11% | 5.11% | 5.11% |
| First National | 5.14% | 5.14% | 5.14% |
| National Bank | 5.26% | 5.26% | 5.26% |
| Tangerine | 5.50% | 5.50% | — |
| nesto | 6.34% | 6.34% | — |
| Manulife | 6.35% | 6.35% | 6.35% |
| Investors Group | 6.40% | 6.40% | — |
| IG Wealth Management | 6.40% | 6.40% | — |
| Laurentian | 6.69% | 6.69% | — |
| CMLS | 7.79% | — | — |

#### 8-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Laurentian ⭐ | 7.14% | 7.14% | — |

#### 9-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Laurentian ⭐ | 7.14% | 7.14% | — |

#### 10-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| First National ⭐ | 5.49% | 5.49% | 5.49% |
| Innovation Credit Union | 5.51% | 5.51% | — |
| Tangerine | 5.90% | 5.90% | — |
| Manulife | 6.69% | 6.69% | 6.69% |
| CIBC | 6.79% | 6.79% | 6.79% |
| Investors Group | 6.80% | 6.80% | — |
| IG Wealth Management | 6.80% | 6.80% | — |
| Laurentian | 7.14% | 7.14% | — |
| nesto | 7.89% | 7.89% | — |
| CMLS | 7.89% | — | — |

#### 3-Year Variable

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| nesto ⭐ | 3.60% | 3.60% | — |
| CIBC | 4.05% | 4.05% | 4.05% |
| Laurentian | 4.45% | — | — |
| CMLS | 4.75% | — | — |

#### 5-Year Variable

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| nesto ⭐ | 3.80% | 3.46% | 3.46% |
| True North Mortgage | 3.49% | — | — |
| Equitable | 3.60% | — | — |
| First National | 3.70% | 3.95% | — |
| Investors Group | 3.75% | 4.09% | — |
| IG Wealth Management | 3.75% | 4.09% | 4.09% |
| CIBC | 3.95% | 4.10% | 4.10% |
| RBC | 3.95% | 3.95% | — |
| Tangerine | 4.00% | 4.00% | — |
| National Bank | 4.10% | 4.10% | 4.10% |
| BMO | 4.10% | 4.10% | 4.10% |
| Simplii Financial | 4.10% | 4.10% | — |
| Desjardins | 4.10% | 4.10% | — |
| Laurentian | 4.10% | — | — |
| TD | 4.24% | 4.24% | 4.24% |
| Innovation Credit Union | 4.35% | 6.00% | — |
| Manulife | 4.45% | 4.45% | — |
| CMLS | 4.65% | — | — |

### British Columbia (BC)

#### 6-Month Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| True North Mortgage ⭐ | 2.49% | — | — |
| Everyrate | 3.64% | 6.09% | 6.09% |
| Innovation Credit Union | 6.04% | 6.04% | — |
| Coastal Community Credit Union | 6.09% | 6.09% | — |
| Tru Cooperative Bank | 6.64% | 6.64% | — |
| CIBC | 7.55% | 7.55% | 7.55% |
| Laurentian | 7.84% | 7.84% | — |

#### 1-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| True North Mortgage ⭐ | 4.39% | — | — |
| Prospera | 4.84% | 4.84% | — |
| Tru Cooperative Bank | 4.49% | 4.49% | — |
| Everyrate | 4.59% | 4.59% | 4.59% |
| Innovation Credit Union | 4.59% | 4.59% | — |
| CIBC | 4.74% | 4.74% | 4.74% |
| Beem Credit Union | 4.79% | 4.79% | — |
| RBC | 4.89% | 4.89% | — |
| Shinhan Bank | 4.89% | 4.89% | 4.89% |
| Coast Capital | 4.89% | 4.89% | 4.89% |
| Bridgewater Bank | 4.89% | 4.89% | 4.89% |
| Community Trust | 4.99% | 4.99% | 4.99% |
| Coastal Community Credit Union | 4.99% | 4.99% | — |
| Peoples Bank | 5.09% | 5.09% | — |
| First National | 5.29% | 5.29% | 5.29% |
| CMLS | 5.34% | 4.94% | — |
| National Bank | 5.49% | 5.49% | 5.49% |
| Laurentian | 5.64% | 5.64% | — |
| Tangerine | 5.99% | 5.99% | — |
| Manulife | 6.89% | 6.89% | 6.89% |

#### 2-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Everyrate ⭐ | 3.94% | 4.09% | 4.09% |
| Prospera | 4.34% | 4.34% | — |
| True North Mortgage | 3.94% | — | — |
| Beem Credit Union | 4.39% | 4.39% | — |
| Coast Capital | 4.39% | 4.39% | 4.39% |
| Shinhan Bank | 4.39% | 4.39% | 4.39% |
| Tru Cooperative Bank | 4.44% | 4.44% | — |
| CIBC | 4.49% | 4.49% | 4.49% |
| Innovation Credit Union | 4.49% | 4.49% | — |
| Simplii Financial | 4.49% | 4.49% | — |
| Coastal Community Credit Union | 4.54% | 4.54% | — |
| CMLS | 4.74% | 4.44% | — |
| RBC | 4.79% | 4.79% | — |
| Peoples Bank | 4.79% | 4.79% | — |
| National Bank | 4.84% | 4.84% | 4.84% |
| First National | 4.89% | 4.89% | 4.89% |
| Community Trust | 4.89% | 4.89% | 4.89% |
| Bridgewater Bank | 5.04% | 5.04% | 5.04% |
| Tangerine | 5.14% | 5.14% | — |
| Laurentian | 5.94% | 5.94% | — |
| Manulife | 6.34% | 6.34% | 6.34% |

#### 3-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Butler Mortgage ⭐ | 3.89% | 4.09% | 4.09% |
| Everyrate | 3.89% | 4.09% | 4.09% |
| Prospera | 4.04% | 4.04% | — |
| True North Mortgage | 3.94% | — | — |
| Shinhan Bank | 4.24% | 4.24% | 4.24% |
| Innovation Credit Union | 4.29% | 4.29% | — |
| Coast Capital | 4.29% | 4.29% | 4.29% |
| Investors Group | 4.34% | 4.79% | 4.79% |
| IG Wealth Management | 4.34% | 4.79% | 4.79% |
| Beem Credit Union | 4.34% | 4.34% | — |
| Equitable | 4.34% | — | — |
| Tru Cooperative Bank | 4.39% | 4.39% | — |
| Tangerine | 4.44% | 4.44% | — |
| Peoples Bank | 4.44% | 4.44% | — |
| Coastal Community Credit Union | 4.44% | 4.69% | — |
| RBC | 4.49% | 4.49% | — |
| National Bank | 4.64% | 4.64% | 4.64% |
| TD | 4.64% | 4.64% | 4.64% |
| BMO | 4.64% | 4.64% | 4.64% |
| CMLS | 4.64% | 4.89% | — |
| CIBC | 4.74% | 4.74% | 4.74% |
| Simplii Financial | 4.74% | 4.74% | — |
| First National | 4.84% | 4.84% | 4.84% |
| Manulife | 4.99% | 4.99% | 4.99% |
| Bridgewater Bank | 5.24% | 5.24% | 5.24% |
| Community Trust | 5.55% | 5.55% | 5.55% |
| Laurentian | 6.09% | 6.09% | — |

#### 4-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Prospera ⭐ | 4.14% | 4.14% | — |
| True North Mortgage ⭐ | 4.14% | — | — |
| Coast Capital | 4.34% | 4.34% | 4.34% |
| Desjardins | 4.39% | 4.39% | — |
| Everyrate | 4.39% | 4.44% | 4.44% |
| Tru Cooperative Bank | 4.44% | 4.44% | — |
| Beem Credit Union | 4.44% | 4.44% | — |
| Peoples Bank | 4.44% | 4.44% | — |
| Shinhan Bank | 4.44% | 4.44% | 4.44% |
| Innovation Credit Union | 4.49% | 4.49% | — |
| Tangerine | 4.49% | 4.49% | — |
| Coastal Community Credit Union | 4.59% | 4.59% | — |
| Equitable | 4.64% | — | — |
| CMLS | 4.74% | 4.69% | — |
| National Bank | 4.79% | 4.79% | 4.79% |
| First National | 4.79% | 4.79% | 4.79% |
| RBC | 4.84% | 4.84% | — |
| CIBC | 4.89% | 4.89% | 4.89% |
| Simplii Financial | 4.89% | 4.89% | — |
| Manulife | 5.29% | 5.29% | 5.29% |
| Community Trust | 5.49% | 5.49% | 5.49% |
| Laurentian | 6.19% | 6.19% | — |

#### 5-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Butler Mortgage ⭐ | 4.04% | 4.09% | 4.09% |
| Meridian ⭐ | 3.69% | 3.74% | 3.99% |
| Prospera | 3.89% | 4.24% | — |
| Everyrate | 4.04% | 4.09% | 4.09% |
| Coast Capital | 4.04% | 4.44% | — |
| Beem Credit Union | 4.14% | 4.49% | — |
| True North Mortgage | 4.14% | — | — |
| Tru Cooperative Bank | 4.34% | 4.49% | — |
| CMLS | 4.34% | 4.94% | — |
| Manulife | 4.39% | 4.69% | 4.69% |
| Desjardins | 4.49% | 4.49% | — |
| Innovation Credit Union | 4.39% | 4.39% | — |
| Laurentian | 4.39% | 4.99% | — |
| Investors Group | 4.49% | 4.79% | — |
| Shinhan Bank | 4.39% | 4.39% | 4.39% |
| Coastal Community Credit Union | 4.44% | 4.69% | 4.69% |
| IG Wealth Management | 4.49% | 4.84% | 4.84% |
| Tangerine | 4.49% | 4.49% | — |
| Peoples Bank | 4.49% | 4.49% | — |
| Equitable | 4.54% | — | — |
| CIBC | 4.59% | 4.94% | 4.94% |
| First National | 4.64% | 4.69% | 4.69% |
| National Bank | 4.69% | 4.84% | 4.84% |
| BMO | 4.74% | 4.84% | 4.84% |
| TD | 4.84% | 4.84% | 4.84% |
| RBC | 4.89% | 4.89% | — |
| Simplii Financial | 4.94% | 4.94% | — |
| Community Trust | 5.59% | 5.59% | 5.59% |

#### 6-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Coast Capital ⭐ | 4.89% | 4.89% | 4.89% |
| Laurentian | 6.69% | 6.69% | — |
| CMLS | 7.14% | — | — |

#### 7-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Coast Capital ⭐ | 4.89% | 4.89% | 4.89% |
| Prospera ⭐ | 4.84% | 4.84% | — |
| Innovation Credit Union | 4.91% | 4.91% | — |
| RBC | 5.00% | 5.00% | — |
| Beem Credit Union | 5.00% | 5.00% | — |
| Coastal Community Credit Union | 5.04% | 5.04% | — |
| CIBC | 5.11% | 5.11% | 5.11% |
| First National | 5.14% | 5.14% | 5.14% |
| National Bank | 5.26% | 5.26% | 5.26% |
| Investors Group | 6.40% | 6.40% | — |
| Tangerine | 5.50% | 5.50% | — |
| Manulife | 6.35% | 6.35% | 6.35% |
| IG Wealth Management | 6.40% | 6.40% | — |
| Laurentian | 6.69% | 6.69% | — |
| Tru Cooperative Bank | 7.14% | 7.14% | — |
| CMLS | 7.79% | — | — |

#### 8-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Coast Capital ⭐ | 4.89% | 4.89% | 4.89% |
| Laurentian | 7.14% | 7.14% | — |

#### 9-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Coast Capital ⭐ | 5.09% | 5.09% | 5.09% |
| Laurentian | 7.14% | 7.14% | — |

#### 10-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Prospera ⭐ | 5.04% | 5.04% | — |
| Coast Capital ⭐ | 5.09% | 5.09% | 5.09% |
| Everyrate | 5.19% | 5.45% | 5.45% |
| Coastal Community Credit Union | 5.34% | 5.34% | — |
| First National | 5.49% | 5.49% | 5.49% |
| Innovation Credit Union | 5.51% | 5.51% | — |
| Tangerine | 5.90% | 5.90% | — |
| Manulife | 6.69% | 6.69% | 6.69% |
| CIBC | 6.79% | 6.79% | 6.79% |
| Investors Group | 6.80% | 6.80% | — |
| IG Wealth Management | 6.80% | 6.80% | — |
| Laurentian | 7.14% | 7.14% | — |
| Tru Cooperative Bank | 7.39% | 7.39% | — |
| CMLS | 7.89% | — | — |

#### 3-Year Variable

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Everyrate ⭐ | 3.86% | 3.86% | 3.86% |
| Beem Credit Union | 3.90% | 3.90% | — |
| CIBC | 4.05% | 4.05% | 4.05% |
| Shinhan Bank | 4.05% | 4.05% | 4.05% |
| Laurentian | 4.45% | — | — |
| CMLS | 4.75% | — | — |

#### 5-Year Variable

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Butler Mortgage ⭐ | 3.30% | 3.35% | 3.35% |
| Everyrate | 3.45% | 3.40% | 3.40% |
| True North Mortgage | 3.49% | — | — |
| Equitable | 3.60% | — | — |
| Prospera | 3.69% | 3.79% | — |
| Tru Cooperative Bank | 3.70% | 3.85% | — |
| First National | 3.70% | 3.95% | — |
| Coastal Community Credit Union | 3.75% | 3.95% | 3.95% |
| Investors Group | 3.75% | 4.09% | — |
| IG Wealth Management | 3.75% | 4.09% | 4.09% |
| Beem Credit Union | 3.75% | 3.75% | — |
| Peoples Bank | 3.75% | 3.75% | — |
| Coast Capital | 3.79% | 3.94% | — |
| Shinhan Bank | 3.85% | 3.85% | 3.85% |
| CIBC | 3.95% | 4.10% | 4.10% |
| RBC | 3.95% | 3.95% | — |
| Tangerine | 4.00% | 4.00% | — |
| National Bank | 4.10% | 4.10% | 4.10% |
| Desjardins | 4.10% | 4.10% | — |
| BMO | 4.10% | 4.10% | 4.10% |
| Simplii Financial | 4.10% | 4.10% | — |
| Laurentian | 4.10% | — | — |
| TD | 4.24% | 4.24% | 4.24% |
| Innovation Credit Union | 4.35% | 6.00% | — |
| Manulife | 4.45% | 4.45% | — |
| CMLS | 4.65% | — | — |

### Ontario (ON)

#### 6-Month Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Joe Purewal ⭐ | 2.99% | — | — |
| True North Mortgage ⭐ | 2.49% | — | — |
| Innovation Credit Union | 6.04% | 6.04% | — |
| Kawartha Credit Union | 6.24% | 6.24% | — |
| Kawartha Financial Services | 6.24% | 6.24% | — |
| First Ontario | 6.34% | 6.34% | 6.34% |
| Alterna Savings | 6.79% | 6.79% | 6.79% |
| WFCU | 7.36% | 7.36% | — |
| CIBC | 7.55% | 7.55% | 7.55% |
| Libro Credit Union | 7.75% | 7.75% | — |
| Laurentian | 7.84% | 7.84% | — |
| DUCA | 9.99% | — | — |

#### 1-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Joe Purewal ⭐ | 4.39% | 4.39% | 4.39% |
| True North Mortgage | 4.39% | — | — |
| Frank Mortgage | 4.54% | 5.14% | 5.14% |
| Innovation Credit Union | 4.59% | 4.59% | — |
| CIBC | 4.74% | 4.74% | 4.74% |
| RBC | 4.89% | 4.89% | — |
| Shinhan Bank | 4.89% | 4.89% | 4.89% |
| Bridgewater Bank | 4.89% | 4.89% | 4.89% |
| Community Trust | 4.99% | 4.99% | 4.99% |
| DUCA | 5.04% | — | — |
| Libro Credit Union | 5.24% | 5.24% | — |
| First National | 5.29% | 5.29% | 5.29% |
| First Ontario | 5.34% | 5.34% | 5.34% |
| CMLS | 5.34% | 4.94% | — |
| Caisse Alliance | 5.49% | 5.49% | 5.49% |
| National Bank | 5.49% | 5.49% | 5.49% |
| Laurentian | 5.64% | 5.64% | — |
| Alterna Savings | 5.69% | 5.69% | 5.69% |
| Kawartha Credit Union | 6.24% | 6.24% | — |
| Pathwise Credit Union | 5.99% | 5.99% | 5.99% |
| Tangerine | 5.99% | 5.99% | — |
| Kawartha Financial Services | 6.24% | 6.24% | — |
| WFCU | 6.48% | 6.48% | — |
| Manulife | 6.89% | 6.89% | 6.89% |

#### 2-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| True North Mortgage ⭐ | 3.94% | — | — |
| Joe Purewal | 3.99% | 4.24% | 4.24% |
| Frank Mortgage | 3.99% | 4.59% | 4.59% |
| Shinhan Bank | 4.39% | 4.39% | 4.39% |
| CIBC | 4.49% | 4.49% | 4.49% |
| Innovation Credit Union | 4.49% | 4.49% | — |
| Simplii Financial | 4.49% | 4.49% | — |
| CMLS | 4.74% | 4.44% | — |
| nesto | 4.74% | 5.91% | — |
| First Ontario | 4.79% | 4.79% | 4.79% |
| RBC | 4.79% | 4.79% | — |
| National Bank | 4.84% | 4.84% | 4.84% |
| First National | 4.89% | 4.89% | 4.89% |
| Community Trust | 4.89% | 4.89% | 4.89% |
| DUCA | 4.94% | — | — |
| Libro Credit Union | 5.04% | 5.04% | — |
| Bridgewater Bank | 5.04% | 5.04% | 5.04% |
| Pathwise Credit Union | 5.09% | 5.09% | 5.09% |
| Tangerine | 5.14% | 5.14% | — |
| Caisse Alliance | 5.19% | 5.19% | 5.19% |
| Alterna Savings | 5.39% | 5.39% | 5.39% |
| Kawartha Credit Union | 5.54% | 5.54% | — |
| WFCU | 5.47% | 5.47% | — |
| Kawartha Financial Services | 5.54% | 5.54% | — |
| Laurentian | 5.94% | 5.94% | — |
| Manulife | 6.34% | 6.34% | 6.34% |

#### 3-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Butler Mortgage ⭐ | 3.89% | 4.04% | 4.04% |
| Joe Purewal | 3.89% | 4.04% | 4.04% |
| Equitable Bank | 4.49% | 4.54% | — |
| Frank Mortgage | 3.89% | 4.04% | 4.04% |
| True North Mortgage | 3.94% | — | — |
| Alterna Savings | 3.99% | 4.39% | 4.39% |
| Kawartha Credit Union | 4.14% | 4.14% | — |
| Meridian | 3.99% | 4.29% | — |
| WFCU | 3.99% | 4.57% | — |
| Kawartha Financial Services | 4.24% | 4.24% | — |
| Libro Credit Union | 4.24% | 4.94% | — |
| Shinhan Bank | 4.24% | 4.24% | 4.24% |
| Pathwise Credit Union | 4.29% | 4.59% | 4.59% |
| nesto | 4.29% | 4.29% | 4.29% |
| Innovation Credit Union | 4.29% | 4.29% | — |
| Investors Group | 4.34% | 4.79% | 4.79% |
| Northern Credit Union | 4.29% | 4.49% | — |
| Kindred Credit Union | 4.29% | 4.65% | — |
| IG Wealth Management | 4.34% | 4.79% | 4.79% |
| Equitable | 4.34% | — | — |
| DUCA | 4.39% | — | — |
| Tangerine | 4.44% | 4.44% | — |
| Caisse Alliance | 4.49% | 4.74% | 4.74% |
| RBC | 4.49% | 4.49% | — |
| National Bank | 4.64% | 4.64% | 4.64% |
| TD | 4.64% | 4.64% | 4.64% |
| BMO | 4.64% | 4.64% | 4.64% |
| CMLS | 4.64% | 4.89% | — |
| CIBC | 4.74% | 4.74% | 4.74% |
| Simplii Financial | 4.74% | 4.74% | — |
| First Ontario | 4.79% | 4.79% | 4.79% |
| First National | 4.84% | 4.84% | 4.84% |
| Manulife | 4.99% | 4.99% | 4.99% |
| Bridgewater Bank | 5.24% | 5.24% | 5.24% |
| Community Trust | 5.55% | 5.55% | 5.55% |
| Laurentian | 6.09% | 6.09% | — |

#### 4-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Joe Purewal ⭐ | 3.99% | 4.19% | 4.19% |
| True North Mortgage | 4.14% | — | — |
| Frank Mortgage | 4.19% | 4.19% | 4.19% |
| Desjardins | 4.39% | 4.39% | — |
| nesto | 4.44% | 4.67% | 4.67% |
| Shinhan Bank | 4.44% | 4.44% | 4.44% |
| Innovation Credit Union | 4.49% | 4.49% | — |
| Tangerine | 4.49% | 4.49% | — |
| DUCA | 4.59% | — | — |
| Equitable | 4.64% | — | — |
| Kawartha Credit Union | 4.64% | 4.64% | — |
| Pathwise Credit Union | 4.69% | 4.69% | 4.69% |
| Kawartha Financial Services | 4.69% | 4.69% | — |
| CMLS | 4.74% | 4.69% | — |
| National Bank | 4.79% | 4.79% | 4.79% |
| First National | 4.79% | 4.79% | 4.79% |
| First Ontario | 4.84% | 4.84% | 4.84% |
| RBC | 4.84% | 4.84% | — |
| CIBC | 4.89% | 4.89% | 4.89% |
| Caisse Alliance | 4.89% | 4.89% | 4.89% |
| Simplii Financial | 4.89% | 4.89% | — |
| Libro Credit Union | 4.94% | 4.94% | — |
| Alterna Savings | 5.04% | 5.04% | 5.04% |
| Manulife | 5.29% | 5.29% | 5.29% |
| Community Trust | 5.49% | 5.49% | 5.49% |
| WFCU | 5.94% | 5.94% | — |
| Laurentian | 6.19% | 6.19% | — |

#### 5-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Butler Mortgage ⭐ | 3.94% | 4.04% | 4.04% |
| Joe Purewal | 3.94% | 4.14% | 4.14% |
| Equitable Bank | 3.89% | 3.94% | — |
| Frank Mortgage | 3.94% | 4.04% | 4.04% |
| Alterna Savings | 4.14% | 4.44% | 4.44% |
| Meridian | 4.14% | 4.59% | — |
| True North Mortgage | 4.14% | — | — |
| nesto | 4.64% | 4.24% | 4.24% |
| Kawartha Credit Union | 4.24% | 4.69% | — |
| Kawartha Financial Services | 4.29% | 4.74% | — |
| Libro Credit Union | 4.29% | 4.99% | — |
| DUCA | 4.29% | — | — |
| Kindred Credit Union | 4.34% | 4.85% | — |
| CMLS | 4.34% | 4.94% | — |
| WFCU | 4.37% | 4.56% | — |
| Pathwise Credit Union | 4.39% | 4.69% | 4.69% |
| Manulife | 4.39% | 4.69% | 4.69% |
| Innovation Credit Union | 4.39% | 4.39% | — |
| Northern Credit Union | 4.39% | 4.59% | — |
| Investors Group | 4.49% | 4.79% | — |
| Laurentian | 4.39% | 4.99% | — |
| Shinhan Bank | 4.39% | 4.39% | 4.39% |
| IG Wealth Management | 4.49% | 4.84% | 4.84% |
| Desjardins | 4.49% | 4.49% | — |
| Tangerine | 4.49% | 4.49% | — |
| Equitable | 4.54% | — | — |
| CIBC | 4.59% | 4.94% | 4.94% |
| Caisse Alliance | 4.59% | 4.94% | 4.94% |
| First National | 4.64% | 4.69% | 4.69% |
| National Bank | 4.69% | 4.84% | 4.84% |
| BMO | 4.74% | 4.84% | 4.84% |
| TD | 4.84% | 4.84% | 4.84% |
| First Ontario | 4.89% | 4.89% | 4.89% |
| RBC | 4.89% | 4.89% | — |
| Simplii Financial | 4.94% | 4.94% | — |
| Community Trust | 5.59% | 5.59% | 5.59% |

#### 6-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Joe Purewal ⭐ | 4.54% | 4.69% | 4.69% |
| Laurentian | 6.69% | 6.69% | — |
| CMLS | 7.14% | — | — |

#### 7-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Joe Purewal ⭐ | 4.54% | 4.69% | 4.69% |
| Innovation Credit Union | 4.91% | 4.91% | — |
| RBC | 5.00% | 5.00% | — |
| CIBC | 5.11% | 5.11% | 5.11% |
| First National | 5.14% | 5.14% | 5.14% |
| National Bank | 5.26% | 5.26% | 5.26% |
| Caisse Alliance | 5.29% | 5.29% | 5.29% |
| Tangerine | 5.50% | 5.50% | — |
| First Ontario | 5.79% | 5.79% | 5.79% |
| Libro Credit Union | 6.14% | 6.14% | — |
| nesto | 6.34% | 6.34% | — |
| Manulife | 6.35% | 6.35% | 6.35% |
| Investors Group | 6.40% | 6.40% | — |
| IG Wealth Management | 6.40% | 6.40% | — |
| Laurentian | 6.69% | 6.69% | — |
| WFCU | 7.10% | 7.10% | — |
| CMLS | 7.79% | — | — |

#### 8-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Laurentian ⭐ | 7.14% | 7.14% | — |

#### 9-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Laurentian ⭐ | 7.14% | 7.14% | — |

#### 10-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Joe Purewal ⭐ | 4.99% | 5.14% | 5.14% |
| First National | 5.49% | 5.49% | 5.49% |
| Frank Mortgage | 5.50% | 5.54% | 5.54% |
| Innovation Credit Union | 5.51% | 5.51% | — |
| Tangerine | 5.90% | 5.90% | — |
| First Ontario | 5.99% | 5.99% | 5.99% |
| Manulife | 6.69% | 6.69% | 6.69% |
| CIBC | 6.79% | 6.79% | 6.79% |
| Investors Group | 6.80% | 6.80% | — |
| IG Wealth Management | 6.80% | 6.80% | — |
| Laurentian | 7.14% | 7.14% | — |
| nesto | 7.89% | 7.89% | — |
| CMLS | 7.89% | — | — |

#### 3-Year Variable

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Joe Purewal ⭐ | 3.50% | 3.95% | 3.95% |
| Frank Mortgage | 3.55% | 4.00% | 4.00% |
| nesto | 3.60% | 3.60% | — |
| CIBC | 4.05% | 4.05% | 4.05% |
| Shinhan Bank | 4.05% | 4.05% | 4.05% |
| Kawartha Credit Union | 4.15% | 4.15% | 4.15% |
| Kawartha Financial Services | 4.15% | 4.15% | 4.15% |
| DUCA | 4.15% | — | — |
| Alterna Savings | 4.25% | 4.25% | 4.25% |
| Laurentian | 4.45% | — | — |
| CMLS | 4.75% | — | — |

#### 5-Year Variable

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Butler Mortgage ⭐ | 3.30% | 3.35% | 3.35% |
| Joe Purewal | 3.35% | 3.65% | 3.65% |
| Frank Mortgage | 3.35% | 3.40% | 3.40% |
| Meridian | 3.44% | 3.64% | — |
| nesto | 3.80% | 3.46% | 3.46% |
| True North Mortgage | 3.49% | — | — |
| First Ontario | 3.55% | 4.05% | 4.05% |
| Equitable | 3.60% | — | — |
| Alterna Savings | 3.70% | 4.15% | 4.15% |
| First National | 3.70% | 3.95% | — |
| Investors Group | 3.75% | 4.09% | — |
| IG Wealth Management | 3.75% | 4.09% | 4.09% |
| Shinhan Bank | 3.85% | 3.85% | 3.85% |
| DUCA | 3.90% | — | — |
| CIBC | 3.95% | 4.10% | 4.10% |
| RBC | 3.95% | 3.95% | — |
| Tangerine | 4.00% | 4.00% | — |
| National Bank | 4.10% | 4.10% | 4.10% |
| BMO | 4.10% | 4.10% | 4.10% |
| Simplii Financial | 4.10% | 4.10% | — |
| Desjardins | 4.10% | 4.10% | — |
| Laurentian | 4.10% | — | — |
| Kawartha Financial Services | 4.15% | 4.15% | 4.15% |
| Kawartha Credit Union | 4.15% | 4.15% | 4.15% |
| Libro Credit Union | 4.15% | 4.15% | — |
| TD | 4.24% | 4.24% | 4.24% |
| Innovation Credit Union | 4.35% | 6.00% | — |
| Pathwise Credit Union | 4.45% | 4.45% | 4.45% |
| Kindred Credit Union | 4.45% | 4.45% | — |
| Manulife | 4.45% | 4.45% | — |
| CMLS | 4.65% | — | — |

### New Brunswick (NB)

#### 6-Month Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| True North Mortgage ⭐ | 2.49% | — | — |
| Innovation Credit Union | 6.04% | 6.04% | — |
| CIBC | 7.55% | 7.55% | 7.55% |
| Laurentian | 7.84% | 7.84% | — |

#### 1-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| True North Mortgage ⭐ | 4.39% | — | — |
| Frank Mortgage | 4.54% | 5.14% | 5.14% |
| Innovation Credit Union | 4.59% | 4.59% | — |
| CIBC | 4.74% | 4.74% | 4.74% |
| RBC | 4.89% | 4.89% | — |
| Community Trust | 4.99% | 4.99% | 4.99% |
| First National | 5.29% | 5.29% | 5.29% |
| CMLS | 5.34% | 4.94% | — |
| National Bank | 5.49% | 5.49% | 5.49% |
| Laurentian | 5.64% | 5.64% | — |
| Tangerine | 5.99% | 5.99% | — |
| Manulife | 6.89% | 6.89% | 6.89% |

#### 2-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| True North Mortgage ⭐ | 3.94% | — | — |
| Frank Mortgage | 3.99% | 4.59% | 4.59% |
| CIBC | 4.49% | 4.49% | 4.49% |
| Innovation Credit Union | 4.49% | 4.49% | — |
| Simplii Financial | 4.49% | 4.49% | — |
| CMLS | 4.74% | 4.44% | — |
| nesto | 4.74% | 5.91% | — |
| RBC | 4.79% | 4.79% | — |
| UNI | 4.79% | 4.79% | 4.79% |
| National Bank | 4.84% | 4.84% | 4.84% |
| First National | 4.89% | 4.89% | 4.89% |
| Community Trust | 4.89% | 4.89% | 4.89% |
| Tangerine | 5.14% | 5.14% | — |
| Laurentian | 5.94% | 5.94% | — |
| Manulife | 6.34% | 6.34% | 6.34% |

#### 3-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| True North Mortgage ⭐ | 3.94% | — | — |
| Frank Mortgage | 3.99% | 4.19% | 4.19% |
| nesto | 4.29% | 4.29% | 4.29% |
| Investors Group | 4.34% | 4.79% | 4.79% |
| Innovation Credit Union | 4.29% | 4.29% | — |
| IG Wealth Management | 4.34% | 4.79% | 4.79% |
| Equitable | 4.34% | — | — |
| Tangerine | 4.44% | 4.44% | — |
| RBC | 4.49% | 4.49% | — |
| UNI | 4.49% | 4.49% | 4.49% |
| National Bank | 4.64% | 4.64% | 4.64% |
| TD | 4.64% | 4.64% | 4.64% |
| BMO | 4.64% | 4.64% | 4.64% |
| CMLS | 4.64% | 4.89% | — |
| CIBC | 4.74% | 4.74% | 4.74% |
| Simplii Financial | 4.74% | 4.74% | — |
| First National | 4.84% | 4.84% | 4.84% |
| Manulife | 4.99% | 4.99% | 4.99% |
| Community Trust | 5.55% | 5.55% | 5.55% |
| Laurentian | 6.09% | 6.09% | — |

#### 4-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| True North Mortgage ⭐ | 4.14% | — | — |
| Frank Mortgage | 4.19% | 4.19% | 4.19% |
| nesto | 4.44% | 4.67% | 4.67% |
| Desjardins | 4.39% | 4.39% | — |
| Innovation Credit Union | 4.49% | 4.49% | — |
| Tangerine | 4.49% | 4.49% | — |
| UNI | 4.49% | 4.49% | 4.49% |
| Equitable | 4.64% | — | — |
| CMLS | 4.74% | 4.69% | — |
| National Bank | 4.79% | 4.79% | 4.79% |
| First National | 4.79% | 4.79% | 4.79% |
| RBC | 4.84% | 4.84% | — |
| CIBC | 4.89% | 4.89% | 4.89% |
| Simplii Financial | 4.89% | 4.89% | — |
| Manulife | 5.29% | 5.29% | 5.29% |
| Community Trust | 5.49% | 5.49% | 5.49% |
| Laurentian | 6.19% | 6.19% | — |

#### 5-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Frank Mortgage ⭐ | 4.04% | 4.04% | 4.04% |
| True North Mortgage | 4.14% | — | — |
| nesto | 4.64% | 4.24% | 4.24% |
| CMLS | 4.34% | 4.94% | — |
| Manulife | 4.39% | 4.69% | 4.69% |
| Innovation Credit Union | 4.39% | 4.39% | — |
| Laurentian | 4.39% | 4.99% | — |
| IG Wealth Management | 4.49% | 4.84% | 4.84% |
| UNI | 4.49% | 4.84% | 4.84% |
| Desjardins | 4.49% | 4.49% | — |
| Tangerine | 4.49% | 4.49% | — |
| Investors Group | 4.49% | 4.79% | — |
| Equitable | 4.54% | — | — |
| CIBC | 4.59% | 4.94% | 4.94% |
| First National | 4.64% | 4.69% | 4.69% |
| National Bank | 4.69% | 4.84% | 4.84% |
| BMO | 4.74% | 4.84% | 4.84% |
| TD | 4.84% | 4.84% | 4.84% |
| RBC | 4.89% | 4.89% | — |
| Simplii Financial | 4.94% | 4.94% | — |
| Community Trust | 5.59% | 5.59% | 5.59% |

#### 6-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Laurentian ⭐ | 6.69% | 6.69% | — |
| CMLS | 7.14% | — | — |

#### 7-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Innovation Credit Union ⭐ | 4.91% | 4.91% | — |
| RBC | 5.00% | 5.00% | — |
| CIBC | 5.11% | 5.11% | 5.11% |
| First National | 5.14% | 5.14% | 5.14% |
| National Bank | 5.26% | 5.26% | 5.26% |
| Tangerine | 5.50% | 5.50% | — |
| nesto | 6.34% | 6.34% | — |
| Manulife | 6.35% | 6.35% | 6.35% |
| Investors Group | 6.40% | 6.40% | — |
| IG Wealth Management | 6.40% | 6.40% | — |
| Laurentian | 6.69% | 6.69% | — |
| CMLS | 7.79% | — | — |

#### 8-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Laurentian ⭐ | 7.14% | 7.14% | — |

#### 9-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Laurentian ⭐ | 7.14% | 7.14% | — |

#### 10-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| First National ⭐ | 5.49% | 5.49% | 5.49% |
| Frank Mortgage | 5.50% | 5.54% | 5.54% |
| Innovation Credit Union | 5.51% | 5.51% | — |
| Tangerine | 5.90% | 5.90% | — |
| Manulife | 6.69% | 6.69% | 6.69% |
| CIBC | 6.79% | 6.79% | 6.79% |
| Investors Group | 6.80% | 6.80% | — |
| IG Wealth Management | 6.80% | 6.80% | — |
| Laurentian | 7.14% | 7.14% | — |
| nesto | 7.89% | 7.89% | — |
| CMLS | 7.89% | — | — |

#### 3-Year Variable

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Frank Mortgage ⭐ | 3.59% | 4.00% | 4.00% |
| nesto | 3.60% | 3.60% | — |
| CIBC | 4.05% | 4.05% | 4.05% |
| Laurentian | 4.45% | — | — |
| CMLS | 4.75% | — | — |

#### 5-Year Variable

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Frank Mortgage ⭐ | 3.35% | 3.40% | 3.40% |
| nesto | 3.80% | 3.46% | 3.46% |
| True North Mortgage | 3.49% | — | — |
| Equitable | 3.60% | — | — |
| First National | 3.70% | 3.95% | — |
| Investors Group | 3.75% | 4.09% | — |
| IG Wealth Management | 3.75% | 4.09% | 4.09% |
| CIBC | 3.95% | 4.10% | 4.10% |
| RBC | 3.95% | 3.95% | — |
| Tangerine | 4.00% | 4.00% | — |
| National Bank | 4.10% | 4.10% | 4.10% |
| BMO | 4.10% | 4.10% | 4.10% |
| Simplii Financial | 4.10% | 4.10% | — |
| Laurentian | 4.10% | — | — |
| Desjardins | 4.10% | 4.10% | — |
| TD | 4.24% | 4.24% | 4.24% |
| Innovation Credit Union | 4.35% | 6.00% | — |
| Manulife | 4.45% | 4.45% | — |
| CMLS | 4.65% | — | — |

### Manitoba (MB)

#### 6-Month Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| True North Mortgage ⭐ | 2.49% | — | — |
| Innovation Credit Union | 6.04% | 6.04% | — |
| Cambrian Credit Union | 6.50% | 6.50% | 6.50% |
| CIBC | 7.55% | 7.55% | 7.55% |
| Laurentian | 7.84% | 7.84% | — |

#### 1-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Steinbach Credit Union ⭐ | 4.39% | 4.49% | — |
| True North Mortgage | 4.39% | — | — |
| Access Credit Union | 4.49% | 4.49% | 4.49% |
| Assiniboine Credit Union | 4.49% | — | — |
| Frank Mortgage | 4.54% | 5.14% | 5.14% |
| Innovation Credit Union | 4.59% | 4.59% | — |
| CIBC | 4.74% | 4.74% | 4.74% |
| RBC | 4.89% | 4.89% | — |
| Bridgewater Bank | 4.89% | 4.89% | 4.89% |
| Community Trust | 4.99% | 4.99% | 4.99% |
| Cambrian Credit Union | 5.00% | 5.00% | 5.00% |
| First National | 5.29% | 5.29% | 5.29% |
| CMLS | 5.34% | 4.94% | — |
| National Bank | 5.49% | 5.49% | 5.49% |
| Laurentian | 5.64% | 5.64% | — |
| Tangerine | 5.99% | 5.99% | — |
| Manulife | 6.89% | 6.89% | 6.89% |

#### 2-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| True North Mortgage ⭐ | 3.94% | — | — |
| Frank Mortgage | 3.99% | 4.59% | 4.59% |
| Access Credit Union | 4.19% | 4.19% | 4.19% |
| Steinbach Credit Union | 4.19% | 4.29% | — |
| Assiniboine Credit Union | 4.29% | — | — |
| CIBC | 4.49% | 4.49% | 4.49% |
| Innovation Credit Union | 4.49% | 4.49% | — |
| Simplii Financial | 4.49% | 4.49% | — |
| Cambrian Credit Union | 4.70% | 4.70% | 4.70% |
| CMLS | 4.74% | 4.44% | — |
| nesto | 4.74% | 5.91% | — |
| RBC | 4.79% | 4.79% | — |
| National Bank | 4.84% | 4.84% | 4.84% |
| First National | 4.89% | 4.89% | 4.89% |
| Community Trust | 4.89% | 4.89% | 4.89% |
| Bridgewater Bank | 5.04% | 5.04% | 5.04% |
| Tangerine | 5.14% | 5.14% | — |
| Laurentian | 5.94% | 5.94% | — |
| Manulife | 6.34% | 6.34% | 6.34% |

#### 3-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| True North Mortgage ⭐ | 3.94% | — | — |
| Frank Mortgage | 3.99% | 4.19% | 4.19% |
| Steinbach Credit Union | 4.09% | 4.19% | — |
| Assiniboine Credit Union | 4.09% | — | — |
| Cambrian Credit Union | 4.19% | 4.19% | 4.19% |
| Access Credit Union | 4.19% | 4.19% | 4.19% |
| nesto | 4.29% | 4.29% | 4.29% |
| Investors Group | 4.34% | 4.79% | 4.79% |
| Innovation Credit Union | 4.29% | 4.29% | — |
| IG Wealth Management | 4.34% | 4.79% | 4.79% |
| Equitable | 4.34% | — | — |
| Tangerine | 4.44% | 4.44% | — |
| RBC | 4.49% | 4.49% | — |
| National Bank | 4.64% | 4.64% | 4.64% |
| TD | 4.64% | 4.64% | 4.64% |
| BMO | 4.64% | 4.64% | 4.64% |
| CMLS | 4.64% | 4.89% | — |
| CIBC | 4.74% | 4.74% | 4.74% |
| Simplii Financial | 4.74% | 4.74% | — |
| First National | 4.84% | 4.84% | 4.84% |
| Manulife | 4.99% | 4.99% | 4.99% |
| Bridgewater Bank | 5.24% | 5.24% | 5.24% |
| Community Trust | 5.55% | 5.55% | 5.55% |
| Laurentian | 6.09% | 6.09% | — |

#### 4-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Cambrian Credit Union ⭐ | 4.09% | 4.09% | 4.09% |
| Steinbach Credit Union | 4.09% | 4.19% | — |
| True North Mortgage | 4.14% | — | — |
| Access Credit Union | 4.19% | 4.19% | 4.19% |
| Frank Mortgage | 4.19% | 4.19% | 4.19% |
| Assiniboine Credit Union | 4.19% | — | — |
| Desjardins | 4.39% | 4.39% | — |
| nesto | 4.44% | 4.67% | 4.67% |
| Innovation Credit Union | 4.49% | 4.49% | — |
| Tangerine | 4.49% | 4.49% | — |
| Equitable | 4.64% | — | — |
| CMLS | 4.74% | 4.69% | — |
| National Bank | 4.79% | 4.79% | 4.79% |
| First National | 4.79% | 4.79% | 4.79% |
| RBC | 4.84% | 4.84% | — |
| CIBC | 4.89% | 4.89% | 4.89% |
| Simplii Financial | 4.89% | 4.89% | — |
| Manulife | 5.29% | 5.29% | 5.29% |
| Community Trust | 5.49% | 5.49% | 5.49% |
| Laurentian | 6.19% | 6.19% | — |

#### 5-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Frank Mortgage ⭐ | 4.04% | 4.04% | 4.04% |
| Cambrian Credit Union | 4.09% | 4.09% | 4.09% |
| Steinbach Credit Union | 4.09% | 4.19% | — |
| True North Mortgage | 4.14% | — | — |
| Assiniboine Credit Union | 4.19% | — | — |
| nesto | 4.64% | 4.24% | 4.24% |
| Access Credit Union | 4.29% | 4.29% | 4.29% |
| CMLS | 4.34% | 4.94% | — |
| Manulife | 4.39% | 4.69% | 4.69% |
| Innovation Credit Union | 4.39% | 4.39% | — |
| Laurentian | 4.39% | 4.99% | — |
| Desjardins | 4.49% | 4.49% | — |
| IG Wealth Management | 4.49% | 4.84% | 4.84% |
| Tangerine | 4.49% | 4.49% | — |
| Investors Group | 4.49% | 4.79% | — |
| Equitable | 4.54% | — | — |
| CIBC | 4.59% | 4.94% | 4.94% |
| First National | 4.64% | 4.69% | 4.69% |
| National Bank | 4.69% | 4.84% | 4.84% |
| BMO | 4.74% | 4.84% | 4.84% |
| TD | 4.84% | 4.84% | 4.84% |
| RBC | 4.89% | 4.89% | — |
| Simplii Financial | 4.94% | 4.94% | — |
| Community Trust | 5.59% | 5.59% | 5.59% |

#### 6-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Laurentian ⭐ | 6.69% | 6.69% | — |
| CMLS | 7.14% | — | — |

#### 7-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Innovation Credit Union ⭐ | 4.91% | 4.91% | — |
| RBC | 5.00% | 5.00% | — |
| CIBC | 5.11% | 5.11% | 5.11% |
| First National | 5.14% | 5.14% | 5.14% |
| National Bank | 5.26% | 5.26% | 5.26% |
| Tangerine | 5.50% | 5.50% | — |
| nesto | 6.34% | 6.34% | — |
| Manulife | 6.35% | 6.35% | 6.35% |
| Investors Group | 6.40% | 6.40% | — |
| IG Wealth Management | 6.40% | 6.40% | — |
| Laurentian | 6.69% | 6.69% | — |
| CMLS | 7.79% | — | — |

#### 8-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Laurentian ⭐ | 7.14% | 7.14% | — |

#### 9-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Laurentian ⭐ | 7.14% | 7.14% | — |

#### 10-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| First National ⭐ | 5.49% | 5.49% | 5.49% |
| Frank Mortgage | 5.50% | 5.54% | 5.54% |
| Innovation Credit Union | 5.51% | 5.51% | — |
| Tangerine | 5.90% | 5.90% | — |
| Manulife | 6.69% | 6.69% | 6.69% |
| CIBC | 6.79% | 6.79% | 6.79% |
| Investors Group | 6.80% | 6.80% | — |
| IG Wealth Management | 6.80% | 6.80% | — |
| Laurentian | 7.14% | 7.14% | — |
| nesto | 7.89% | 7.89% | — |
| CMLS | 7.89% | — | — |

#### 3-Year Variable

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Frank Mortgage ⭐ | 3.59% | 4.00% | 4.00% |
| nesto | 3.60% | 3.60% | — |
| CIBC | 4.05% | 4.05% | 4.05% |
| Laurentian | 4.45% | — | — |
| CMLS | 4.75% | — | — |

#### 5-Year Variable

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Frank Mortgage ⭐ | 3.35% | 3.40% | 3.40% |
| nesto | 3.80% | 3.46% | 3.46% |
| True North Mortgage | 3.49% | — | — |
| Cambrian Credit Union | 3.50% | 3.50% | 3.50% |
| Equitable | 3.60% | — | — |
| Assiniboine Credit Union | 3.60% | — | — |
| First National | 3.70% | 3.95% | — |
| Investors Group | 3.75% | 4.09% | — |
| IG Wealth Management | 3.75% | 4.09% | 4.09% |
| CIBC | 3.95% | 4.10% | 4.10% |
| RBC | 3.95% | 3.95% | — |
| Tangerine | 4.00% | 4.00% | — |
| National Bank | 4.10% | 4.10% | 4.10% |
| BMO | 4.10% | 4.10% | 4.10% |
| Simplii Financial | 4.10% | 4.10% | — |
| Desjardins | 4.10% | 4.10% | — |
| Laurentian | 4.10% | — | — |
| TD | 4.24% | 4.24% | 4.24% |
| Innovation Credit Union | 4.35% | 6.00% | — |
| Manulife | 4.45% | 4.45% | — |
| CMLS | 4.65% | — | — |

### Nova Scotia (NS)

#### 6-Month Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| True North Mortgage ⭐ | 2.49% | — | — |
| Innovation Credit Union | 6.04% | 6.04% | — |
| CIBC | 7.55% | 7.55% | 7.55% |
| Laurentian | 7.84% | 7.84% | — |

#### 1-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| True North Mortgage ⭐ | 4.39% | — | — |
| Frank Mortgage | 4.54% | 5.14% | 5.14% |
| Innovation Credit Union | 4.59% | 4.59% | — |
| CIBC | 4.74% | 4.74% | 4.74% |
| RBC | 4.89% | 4.89% | — |
| Community Trust | 4.99% | 4.99% | 4.99% |
| First National | 5.29% | 5.29% | 5.29% |
| CMLS | 5.34% | 4.94% | — |
| National Bank | 5.49% | 5.49% | 5.49% |
| Laurentian | 5.64% | 5.64% | — |
| Tangerine | 5.99% | 5.99% | — |
| Manulife | 6.89% | 6.89% | 6.89% |

#### 2-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| True North Mortgage ⭐ | 3.94% | — | — |
| Frank Mortgage | 3.99% | 4.59% | 4.59% |
| CIBC | 4.49% | 4.49% | 4.49% |
| Innovation Credit Union | 4.49% | 4.49% | — |
| Simplii Financial | 4.49% | 4.49% | — |
| CMLS | 4.74% | 4.44% | — |
| nesto | 4.74% | 5.91% | — |
| RBC | 4.79% | 4.79% | — |
| National Bank | 4.84% | 4.84% | 4.84% |
| First National | 4.89% | 4.89% | 4.89% |
| Community Trust | 4.89% | 4.89% | 4.89% |
| Tangerine | 5.14% | 5.14% | — |
| Laurentian | 5.94% | 5.94% | — |
| Manulife | 6.34% | 6.34% | 6.34% |

#### 3-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| True North Mortgage ⭐ | 3.94% | — | — |
| Frank Mortgage | 3.99% | 4.19% | 4.19% |
| nesto | 4.29% | 4.29% | 4.29% |
| Investors Group | 4.34% | 4.79% | 4.79% |
| Innovation Credit Union | 4.29% | 4.29% | — |
| IG Wealth Management | 4.34% | 4.79% | 4.79% |
| Equitable | 4.34% | — | — |
| Tangerine | 4.44% | 4.44% | — |
| RBC | 4.49% | 4.49% | — |
| National Bank | 4.64% | 4.64% | 4.64% |
| TD | 4.64% | 4.64% | 4.64% |
| BMO | 4.64% | 4.64% | 4.64% |
| CMLS | 4.64% | 4.89% | — |
| CIBC | 4.74% | 4.74% | 4.74% |
| Simplii Financial | 4.74% | 4.74% | — |
| First National | 4.84% | 4.84% | 4.84% |
| Manulife | 4.99% | 4.99% | 4.99% |
| Community Trust | 5.55% | 5.55% | 5.55% |
| Laurentian | 6.09% | 6.09% | — |

#### 4-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| True North Mortgage ⭐ | 4.14% | — | — |
| Frank Mortgage | 4.19% | 4.19% | 4.19% |
| Desjardins | 4.39% | 4.39% | — |
| nesto | 4.44% | 4.67% | 4.67% |
| Innovation Credit Union | 4.49% | 4.49% | — |
| Tangerine | 4.49% | 4.49% | — |
| Equitable | 4.64% | — | — |
| CMLS | 4.74% | 4.69% | — |
| National Bank | 4.79% | 4.79% | 4.79% |
| First National | 4.79% | 4.79% | 4.79% |
| RBC | 4.84% | 4.84% | — |
| CIBC | 4.89% | 4.89% | 4.89% |
| Simplii Financial | 4.89% | 4.89% | — |
| Manulife | 5.29% | 5.29% | 5.29% |
| Community Trust | 5.49% | 5.49% | 5.49% |
| Laurentian | 6.19% | 6.19% | — |

#### 5-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Frank Mortgage ⭐ | 4.04% | 4.04% | 4.04% |
| True North Mortgage | 4.14% | — | — |
| nesto | 4.64% | 4.24% | 4.24% |
| CMLS | 4.34% | 4.94% | — |
| Manulife | 4.39% | 4.69% | 4.69% |
| Innovation Credit Union | 4.39% | 4.39% | — |
| Laurentian | 4.39% | 4.99% | — |
| Desjardins | 4.49% | 4.49% | — |
| IG Wealth Management | 4.49% | 4.84% | 4.84% |
| Investors Group | 4.49% | 4.79% | — |
| Tangerine | 4.49% | 4.49% | — |
| Equitable | 4.54% | — | — |
| CIBC | 4.59% | 4.94% | 4.94% |
| First National | 4.64% | 4.69% | 4.69% |
| National Bank | 4.69% | 4.84% | 4.84% |
| BMO | 4.74% | 4.84% | 4.84% |
| TD | 4.84% | 4.84% | 4.84% |
| RBC | 4.89% | 4.89% | — |
| Simplii Financial | 4.94% | 4.94% | — |
| Community Trust | 5.59% | 5.59% | 5.59% |

#### 6-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Laurentian ⭐ | 6.69% | 6.69% | — |
| CMLS | 7.14% | — | — |

#### 7-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Innovation Credit Union ⭐ | 4.91% | 4.91% | — |
| RBC | 5.00% | 5.00% | — |
| CIBC | 5.11% | 5.11% | 5.11% |
| First National | 5.14% | 5.14% | 5.14% |
| National Bank | 5.26% | 5.26% | 5.26% |
| Tangerine | 5.50% | 5.50% | — |
| nesto | 6.34% | 6.34% | — |
| Manulife | 6.35% | 6.35% | 6.35% |
| Investors Group | 6.40% | 6.40% | — |
| IG Wealth Management | 6.40% | 6.40% | — |
| Laurentian | 6.69% | 6.69% | — |
| CMLS | 7.79% | — | — |

#### 8-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Laurentian ⭐ | 7.14% | 7.14% | — |

#### 9-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Laurentian ⭐ | 7.14% | 7.14% | — |

#### 10-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| First National ⭐ | 5.49% | 5.49% | 5.49% |
| Frank Mortgage | 5.50% | 5.54% | 5.54% |
| Innovation Credit Union | 5.51% | 5.51% | — |
| Tangerine | 5.90% | 5.90% | — |
| Manulife | 6.69% | 6.69% | 6.69% |
| CIBC | 6.79% | 6.79% | 6.79% |
| Investors Group | 6.80% | 6.80% | — |
| IG Wealth Management | 6.80% | 6.80% | — |
| Laurentian | 7.14% | 7.14% | — |
| nesto | 7.89% | 7.89% | — |
| CMLS | 7.89% | — | — |

#### 3-Year Variable

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Frank Mortgage ⭐ | 3.59% | 4.00% | 4.00% |
| nesto | 3.60% | 3.60% | — |
| CIBC | 4.05% | 4.05% | 4.05% |
| Laurentian | 4.45% | — | — |
| CMLS | 4.75% | — | — |

#### 5-Year Variable

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Frank Mortgage ⭐ | 3.35% | 3.40% | 3.40% |
| nesto | 3.80% | 3.46% | 3.46% |
| True North Mortgage | 3.49% | — | — |
| Equitable | 3.60% | — | — |
| First National | 3.70% | 3.95% | — |
| Investors Group | 3.75% | 4.09% | — |
| IG Wealth Management | 3.75% | 4.09% | 4.09% |
| CIBC | 3.95% | 4.10% | 4.10% |
| RBC | 3.95% | 3.95% | — |
| Tangerine | 4.00% | 4.00% | — |
| National Bank | 4.10% | 4.10% | 4.10% |
| BMO | 4.10% | 4.10% | 4.10% |
| Simplii Financial | 4.10% | 4.10% | — |
| Laurentian | 4.10% | — | — |
| Desjardins | 4.10% | 4.10% | — |
| TD | 4.24% | 4.24% | 4.24% |
| Innovation Credit Union | 4.35% | 6.00% | — |
| Manulife | 4.45% | 4.45% | — |
| CMLS | 4.65% | — | — |

### Prince Edward Island (PE)

#### 6-Month Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| True North Mortgage ⭐ | 2.49% | — | — |
| Innovation Credit Union | 6.04% | 6.04% | — |
| CIBC | 7.55% | 7.55% | 7.55% |
| Laurentian | 7.84% | 7.84% | — |

#### 1-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| True North Mortgage ⭐ | 4.39% | — | — |
| Frank Mortgage | 4.54% | 5.14% | 5.14% |
| Innovation Credit Union | 4.59% | 4.59% | — |
| CIBC | 4.74% | 4.74% | 4.74% |
| RBC | 4.89% | 4.89% | — |
| Community Trust | 4.99% | 4.99% | 4.99% |
| First National | 5.29% | 5.29% | 5.29% |
| CMLS | 5.34% | 4.94% | — |
| National Bank | 5.49% | 5.49% | 5.49% |
| Laurentian | 5.64% | 5.64% | — |
| Tangerine | 5.99% | 5.99% | — |
| Manulife | 6.89% | 6.89% | 6.89% |

#### 2-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| True North Mortgage ⭐ | 3.94% | — | — |
| Frank Mortgage | 3.99% | 4.59% | 4.59% |
| CIBC | 4.49% | 4.49% | 4.49% |
| Innovation Credit Union | 4.49% | 4.49% | — |
| Simplii Financial | 4.49% | 4.49% | — |
| CMLS | 4.74% | 4.44% | — |
| nesto | 4.74% | 5.91% | — |
| RBC | 4.79% | 4.79% | — |
| National Bank | 4.84% | 4.84% | 4.84% |
| First National | 4.89% | 4.89% | 4.89% |
| Community Trust | 4.89% | 4.89% | 4.89% |
| Tangerine | 5.14% | 5.14% | — |
| Laurentian | 5.94% | 5.94% | — |
| Manulife | 6.34% | 6.34% | 6.34% |

#### 3-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| True North Mortgage ⭐ | 3.94% | — | — |
| Frank Mortgage | 3.99% | 4.19% | 4.19% |
| nesto | 4.29% | 4.29% | 4.29% |
| Investors Group | 4.34% | 4.79% | 4.79% |
| Innovation Credit Union | 4.29% | 4.29% | — |
| IG Wealth Management | 4.34% | 4.79% | 4.79% |
| Equitable | 4.34% | — | — |
| Tangerine | 4.44% | 4.44% | — |
| RBC | 4.49% | 4.49% | — |
| National Bank | 4.64% | 4.64% | 4.64% |
| TD | 4.64% | 4.64% | 4.64% |
| BMO | 4.64% | 4.64% | 4.64% |
| CMLS | 4.64% | 4.89% | — |
| CIBC | 4.74% | 4.74% | 4.74% |
| Simplii Financial | 4.74% | 4.74% | — |
| First National | 4.84% | 4.84% | 4.84% |
| Manulife | 4.99% | 4.99% | 4.99% |
| Community Trust | 5.55% | 5.55% | 5.55% |
| Laurentian | 6.09% | 6.09% | — |

#### 4-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| True North Mortgage ⭐ | 4.14% | — | — |
| Frank Mortgage | 4.19% | 4.19% | 4.19% |
| Desjardins | 4.39% | 4.39% | — |
| nesto | 4.44% | 4.67% | 4.67% |
| Innovation Credit Union | 4.49% | 4.49% | — |
| Tangerine | 4.49% | 4.49% | — |
| Equitable | 4.64% | — | — |
| CMLS | 4.74% | 4.69% | — |
| National Bank | 4.79% | 4.79% | 4.79% |
| First National | 4.79% | 4.79% | 4.79% |
| RBC | 4.84% | 4.84% | — |
| CIBC | 4.89% | 4.89% | 4.89% |
| Simplii Financial | 4.89% | 4.89% | — |
| Manulife | 5.29% | 5.29% | 5.29% |
| Community Trust | 5.49% | 5.49% | 5.49% |
| Laurentian | 6.19% | 6.19% | — |

#### 5-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Frank Mortgage ⭐ | 4.04% | 4.04% | 4.04% |
| True North Mortgage | 4.14% | — | — |
| nesto | 4.64% | 4.24% | 4.24% |
| CMLS | 4.34% | 4.94% | — |
| Manulife | 4.39% | 4.69% | 4.69% |
| Innovation Credit Union | 4.39% | 4.39% | — |
| Laurentian | 4.39% | 4.99% | — |
| Desjardins | 4.49% | 4.49% | — |
| IG Wealth Management | 4.49% | 4.84% | 4.84% |
| Investors Group | 4.49% | 4.79% | — |
| Tangerine | 4.49% | 4.49% | — |
| Equitable | 4.54% | — | — |
| CIBC | 4.59% | 4.94% | 4.94% |
| First National | 4.64% | 4.69% | 4.69% |
| National Bank | 4.69% | 4.84% | 4.84% |
| BMO | 4.74% | 4.84% | 4.84% |
| TD | 4.84% | 4.84% | 4.84% |
| RBC | 4.89% | 4.89% | — |
| Simplii Financial | 4.94% | 4.94% | — |
| Community Trust | 5.59% | 5.59% | 5.59% |

#### 6-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Laurentian ⭐ | 6.69% | 6.69% | — |
| CMLS | 7.14% | — | — |

#### 7-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Innovation Credit Union ⭐ | 4.91% | 4.91% | — |
| RBC | 5.00% | 5.00% | — |
| CIBC | 5.11% | 5.11% | 5.11% |
| First National | 5.14% | 5.14% | 5.14% |
| National Bank | 5.26% | 5.26% | 5.26% |
| Tangerine | 5.50% | 5.50% | — |
| nesto | 6.34% | 6.34% | — |
| Manulife | 6.35% | 6.35% | 6.35% |
| Investors Group | 6.40% | 6.40% | — |
| IG Wealth Management | 6.40% | 6.40% | — |
| Laurentian | 6.69% | 6.69% | — |
| CMLS | 7.79% | — | — |

#### 8-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Laurentian ⭐ | 7.14% | 7.14% | — |

#### 9-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Laurentian ⭐ | 7.14% | 7.14% | — |

#### 10-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| First National ⭐ | 5.49% | 5.49% | 5.49% |
| Frank Mortgage | 5.50% | 5.54% | 5.54% |
| Innovation Credit Union | 5.51% | 5.51% | — |
| Tangerine | 5.90% | 5.90% | — |
| Manulife | 6.69% | 6.69% | 6.69% |
| CIBC | 6.79% | 6.79% | 6.79% |
| Investors Group | 6.80% | 6.80% | — |
| IG Wealth Management | 6.80% | 6.80% | — |
| Laurentian | 7.14% | 7.14% | — |
| nesto | 7.89% | 7.89% | — |
| CMLS | 7.89% | — | — |

#### 3-Year Variable

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Frank Mortgage ⭐ | 3.59% | 4.00% | 4.00% |
| nesto | 3.60% | 3.60% | — |
| CIBC | 4.05% | 4.05% | 4.05% |
| Laurentian | 4.45% | — | — |
| CMLS | 4.75% | — | — |

#### 5-Year Variable

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Frank Mortgage ⭐ | 3.35% | 3.40% | 3.40% |
| nesto | 3.80% | 3.46% | 3.46% |
| True North Mortgage | 3.49% | — | — |
| Equitable | 3.60% | — | — |
| First National | 3.70% | 3.95% | — |
| Investors Group | 3.75% | 4.09% | — |
| IG Wealth Management | 3.75% | 4.09% | 4.09% |
| CIBC | 3.95% | 4.10% | 4.10% |
| RBC | 3.95% | 3.95% | — |
| Tangerine | 4.00% | 4.00% | — |
| National Bank | 4.10% | 4.10% | 4.10% |
| BMO | 4.10% | 4.10% | 4.10% |
| Simplii Financial | 4.10% | 4.10% | — |
| Laurentian | 4.10% | — | — |
| Desjardins | 4.10% | 4.10% | — |
| TD | 4.24% | 4.24% | 4.24% |
| Innovation Credit Union | 4.35% | 6.00% | — |
| Manulife | 4.45% | 4.45% | — |
| CMLS | 4.65% | — | — |

### Saskatchewan (SK)

#### 6-Month Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| True North Mortgage ⭐ | 2.49% | — | — |
| Conexus Credit Union | 5.19% | 5.19% | 5.19% |
| Innovation Credit Union | 6.04% | 6.04% | — |
| CIBC | 7.55% | 7.55% | 7.55% |
| Laurentian | 7.84% | 7.84% | — |

#### 1-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| True North Mortgage ⭐ | 4.39% | — | — |
| Innovation Credit Union | 4.59% | 4.59% | — |
| Prosperity Credit Union | 4.62% | 4.82% | — |
| CIBC | 4.74% | 4.74% | 4.74% |
| Conexus Credit Union | 4.84% | 5.19% | 5.19% |
| Affinity Credit Union | 4.84% | 4.84% | — |
| RBC | 4.89% | 4.89% | — |
| Bridgewater Bank | 4.89% | 4.89% | 4.89% |
| Community Trust | 4.99% | 4.99% | 4.99% |
| First National | 5.29% | 5.29% | 5.29% |
| CMLS | 5.34% | 4.94% | — |
| National Bank | 5.49% | 5.49% | 5.49% |
| Laurentian | 5.64% | 5.64% | — |
| Tangerine | 5.99% | 5.99% | — |
| Manulife | 6.89% | 6.89% | 6.89% |

#### 2-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| True North Mortgage ⭐ | 3.94% | — | — |
| Prosperity Credit Union | 3.96% | 4.16% | — |
| Conexus Credit Union | 4.29% | 4.64% | 4.64% |
| Affinity Credit Union | 4.29% | 4.29% | — |
| CIBC | 4.49% | 4.49% | 4.49% |
| Innovation Credit Union | 4.49% | 4.49% | — |
| Simplii Financial | 4.49% | 4.49% | — |
| CMLS | 4.74% | 4.44% | — |
| RBC | 4.79% | 4.79% | — |
| National Bank | 4.84% | 4.84% | 4.84% |
| First National | 4.89% | 4.89% | 4.89% |
| Community Trust | 4.89% | 4.89% | 4.89% |
| Bridgewater Bank | 5.04% | 5.04% | 5.04% |
| Tangerine | 5.14% | 5.14% | — |
| Laurentian | 5.94% | 5.94% | — |
| Manulife | 6.34% | 6.34% | 6.34% |

#### 3-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Prosperity Credit Union ⭐ | 3.91% | 4.11% | — |
| True North Mortgage | 3.94% | — | — |
| Affinity Credit Union | 3.99% | 3.99% | — |
| Conexus Credit Union | 4.29% | 4.64% | 4.64% |
| Investors Group | 4.34% | 4.79% | 4.79% |
| Innovation Credit Union | 4.29% | 4.29% | — |
| IG Wealth Management | 4.34% | 4.79% | 4.79% |
| Equitable | 4.34% | — | — |
| Tangerine | 4.44% | 4.44% | — |
| RBC | 4.49% | 4.49% | — |
| National Bank | 4.64% | 4.64% | 4.64% |
| TD | 4.64% | 4.64% | 4.64% |
| BMO | 4.64% | 4.64% | 4.64% |
| CMLS | 4.64% | 4.89% | — |
| CIBC | 4.74% | 4.74% | 4.74% |
| Simplii Financial | 4.74% | 4.74% | — |
| First National | 4.84% | 4.84% | 4.84% |
| Manulife | 4.99% | 4.99% | 4.99% |
| Bridgewater Bank | 5.24% | 5.24% | 5.24% |
| Community Trust | 5.55% | 5.55% | 5.55% |
| Laurentian | 6.09% | 6.09% | — |

#### 4-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Affinity Credit Union ⭐ | 3.99% | 3.99% | — |
| Prosperity Credit Union | 3.99% | 4.19% | — |
| Desjardins | 4.39% | 4.39% | — |
| True North Mortgage | 4.14% | — | — |
| Conexus Credit Union | 4.29% | 4.64% | 4.64% |
| Innovation Credit Union | 4.49% | 4.49% | — |
| Tangerine | 4.49% | 4.49% | — |
| Equitable | 4.64% | — | — |
| CMLS | 4.74% | 4.69% | — |
| National Bank | 4.79% | 4.79% | 4.79% |
| First National | 4.79% | 4.79% | 4.79% |
| RBC | 4.84% | 4.84% | — |
| CIBC | 4.89% | 4.89% | 4.89% |
| Simplii Financial | 4.89% | 4.89% | — |
| Manulife | 5.29% | 5.29% | 5.29% |
| Community Trust | 5.49% | 5.49% | 5.49% |
| Laurentian | 6.19% | 6.19% | — |

#### 5-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Affinity Credit Union ⭐ | 3.99% | 3.99% | — |
| Prosperity Credit Union | 4.06% | 4.16% | — |
| True North Mortgage | 4.14% | — | — |
| Conexus Credit Union | 4.19% | 4.54% | 4.54% |
| CMLS | 4.34% | 4.94% | — |
| Manulife | 4.39% | 4.69% | 4.69% |
| Innovation Credit Union | 4.39% | 4.39% | — |
| Desjardins | 4.49% | 4.49% | — |
| Laurentian | 4.39% | 4.99% | — |
| Investors Group | 4.49% | 4.79% | — |
| IG Wealth Management | 4.49% | 4.84% | 4.84% |
| Tangerine | 4.49% | 4.49% | — |
| Equitable | 4.54% | — | — |
| CIBC | 4.59% | 4.94% | 4.94% |
| First National | 4.64% | 4.69% | 4.69% |
| National Bank | 4.69% | 4.84% | 4.84% |
| BMO | 4.74% | 4.84% | 4.84% |
| TD | 4.84% | 4.84% | 4.84% |
| RBC | 4.89% | 4.89% | — |
| Simplii Financial | 4.94% | 4.94% | — |
| Community Trust | 5.59% | 5.59% | 5.59% |

#### 6-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Laurentian ⭐ | 6.69% | 6.69% | — |
| CMLS | 7.14% | — | — |

#### 7-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Innovation Credit Union ⭐ | 4.91% | 4.91% | — |
| RBC | 5.00% | 5.00% | — |
| CIBC | 5.11% | 5.11% | 5.11% |
| First National | 5.14% | 5.14% | 5.14% |
| National Bank | 5.26% | 5.26% | 5.26% |
| Tangerine | 5.50% | 5.50% | — |
| Manulife | 6.35% | 6.35% | 6.35% |
| Investors Group | 6.40% | 6.40% | — |
| IG Wealth Management | 6.40% | 6.40% | — |
| Laurentian | 6.69% | 6.69% | — |
| CMLS | 7.79% | — | — |

#### 8-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Laurentian ⭐ | 7.14% | 7.14% | — |

#### 9-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Laurentian ⭐ | 7.14% | 7.14% | — |

#### 10-Year Fixed

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| First National ⭐ | 5.49% | 5.49% | 5.49% |
| Innovation Credit Union | 5.51% | 5.51% | — |
| Tangerine | 5.90% | 5.90% | — |
| Manulife | 6.69% | 6.69% | 6.69% |
| CIBC | 6.79% | 6.79% | 6.79% |
| Investors Group | 6.80% | 6.80% | — |
| IG Wealth Management | 6.80% | 6.80% | — |
| Laurentian | 7.14% | 7.14% | — |
| CMLS | 7.89% | — | — |

#### 3-Year Variable

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| Conexus Credit Union ⭐ | 3.79% | 3.79% | 3.79% |
| CIBC | 4.05% | 4.05% | 4.05% |
| Laurentian | 4.45% | — | — |
| CMLS | 4.75% | — | — |

#### 5-Year Variable

| Lender | Insured | Insurable | Uninsurable |
|--------|---------|-----------|-------------|
| True North Mortgage ⭐ | 3.49% | — | — |
| Equitable | 3.60% | — | — |
| First National | 3.70% | 3.95% | — |
| IG Wealth Management | 3.75% | 4.09% | 4.09% |
| Investors Group | 3.75% | 4.09% | — |
| Conexus Credit Union | 3.79% | 3.79% | 3.79% |
| CIBC | 3.95% | 4.10% | 4.10% |
| RBC | 3.95% | 3.95% | — |
| Tangerine | 4.00% | 4.00% | — |
| National Bank | 4.10% | 4.10% | 4.10% |
| BMO | 4.10% | 4.10% | 4.10% |
| Simplii Financial | 4.10% | 4.10% | — |
| Desjardins | 4.10% | 4.10% | — |
| Laurentian | 4.10% | — | — |
| TD | 4.24% | 4.24% | 4.24% |
| Innovation Credit Union | 4.35% | 6.00% | — |
| Manulife | 4.45% | 4.45% | — |
| CMLS | 4.65% | — | — |

## 10. About Mortgages Lab

- **Company**: MortgagesLab Brokers Inc.
- **Licenses**: BC — BCFSA MB142871 · AB — RECA CON10682 · ON — Mortgage Architects, FSRA Brokerage Licence #12728
- **Principal Broker**: Camilo Rodriguez — Licensed mortgage broker, 23+ years in Canadian real estate finance
- **Provinces Served**: Ontario, British Columbia, Alberta (expanding)
- **Website**: https://mortgageslab.ca
- **Data Source**: Rates scraped daily from verified lender channels
- **Methodology**: All calculations use Canadian semi-annual compounding as mandated by the Bank Act

## 11. Educational Guides

### Cost of Credit

Everything your lender isn't telling you about the true cost of your mortgage.

- [Best Mortgage Rate vs. Cost of Credit](/learn/mortgage-rates-vs-cost-of-credit) — The lowest rate and the lowest cost are rarely the same thing. IRD penalty formulas, CMHC premiums, and compounding can add $14,000–$40,000 to a mortgage that looked cheapest on paper.
- [True Cost of a Canadian Mortgage](/learn/cost-of-borrowing) — APR vs stated rate, CMHC premiums, IRD penalties, closing costs, and semi-annual compounding — everything your lender isn't telling you.
- [Expense Rate: Why Your Mortgage Costs More Than the Rate](/learn/expense-rate) — Your interest rate is what you sign. Your expense rate is what you actually pay. How a 3.5% mortgage broken at year two becomes a 5.6% cost — and the four levers that lower it.
- [CMHC Insurance: 19% vs 20% Down](/learn/cmhc-insurance-premiums) — The honest math on insured vs uninsured mortgages. Premium tiers, rate differences, and whether that extra 1% down actually saves you money.
- [Hidden Closing Costs When Switching Lenders](/learn/closing-costs) — Legal fees, appraisals, discharge fees, CMHC premium tax, and cashback tradeoffs. The complete fee checklist — and why timing your switch to renewal makes most of them disappear.
- [The 5-Year Rule That Caps Your Mortgage Penalty](/learn/five-year-prepayment-rule) — On a term longer than five years, section 10 of the Interest Act caps the penalty at three months of interest from month 61. The statute, who qualifies, and what it is worth.
- [IRD Penalties: Breaking a Fixed Mortgage](/learn/ird-penalties) — Why the same balance produces $9K, $13K, or $22K penalty quotes depending on your lender. The formula, a worked example, and the Big 5 breakdown.
- [Why 5% Down Gets Better Rates Than 20% Down](/learn/high-ratio-vs-low-ratio-rates) — High-ratio mortgages get lower rates because CMHC insurance lets banks securitize them cheaply. But the premium makes the total cost $43K+ higher. Full math breakdown.
- [Why Your Principal Changes Every Month](/learn/semi-annual-compounding) — Semi-annual compounding, days-in-month effects, and the real difference between ARM and VRM — including the trigger rate risk no one explains at signing.
- [Bank of Canada & Your Mortgage](/learn/bank-of-canada) — How BoC rate decisions affect your cost of credit — and what to watch for at renewal.
- [OSFI Mortgage Stress Test](/learn/stress-test) — How the B-20 qualifying rate protects your cost of credit, reduces buying power by 20-25%, and what happens at renewal.
- [First-Time Home Buyer Guide](/learn/first-time-buyer) — FHSA, HBP, down payment rules, CMHC insurance, LTT rebates, cost of credit breakdown, and a checklist for first-time buyers.
- [Hidden Costs for Newcomers to Canada](/learn/hidden-costs-newcomers-canada) — A newcomer with the same income as a citizen pays $100K+ extra in down payment surcharges, provincial taxes, and rate premiums. The exact numbers, worked examples, and how to reduce them.
- [Mortgage Insurance vs Term Life](/learn/mortgage-life-insurance-vs-term-life) — Bank mortgage insurance costs 3-5x more than term life while the payout shrinks as you pay down your mortgage. Compare $140/mo vs $30/mo for a $700K mortgage.
- [25 vs 30-Year Mortgage: The Real Interest Cost](/learn/25-vs-30-year-amortization) — The 30-year rate is ~0.25% higher — and that gap adds $80K+ in extra interest. When the flexibility is worth it, and when it's just expensive.
- [Incorporated vs Sole Prop: Which Gets a Bigger Mortgage?](/learn/incorporated-vs-sole-prop-mortgage) — A $200K business qualifies for $670K or $290K depending on your structure. The real math behind T4 salary, Line 15000, retained earnings, and the 24-month fix.
- [Reverse Mortgage vs HELOC: What Retirees Actually Pay](/learn/reverse-mortgage-vs-heloc) — CHIP at 6.64%, Equitable at 6.44%, Bloom SafeRate at 6.69% lifetime-fixed — 10-year compound cost comparison, income qualification traps, and what your heirs inherit after estate costs.
- [Mortgage Glossary](/learn/glossary) — 37+ Canadian mortgage terms explained — including cost of credit, cost of borrowing, renewal, and amortization.
- [The $80,000 Secondary Suite Loan Is Cancelled. Here’s What Works Instead](/learn/secondary-suite-loan-program-cancelled) — Contractor sites still promote a federal loan that never accepted one application — Budget 2025 killed it. The real financing: an insured refinance to 90% of post-renovation value, plus the $7,500 MHRTC. Interactive calculator included.
- [The $50,000 GST Rebate's Mortgage Math](/learn/gst-rebate-new-home-mortgage-math) — Bill C-4's new GST rebate can cut a first-time buyer's new-home price by up to $50,000 — which can shrink required down payment, shift your CMHC insurance tier, and lower your monthly payment. Interactive calculator included.
- [Rental Offset vs Add-Back: Which Method Gets You Approved?](/learn/rental-offset-vs-add-back) — CIBC and BMO count 80% of your rental income. TD and Scotia count 50%. The difference can swing your approval by $200K+. Lender-by-lender breakdown, worked examples, and OSFI's 2026 IPRRE rule.
- [Dying With a Mortgage: What Heirs Pay](/learn/dying-with-mortgage) — Probate fees by province ($0 in AB, $11K+ in ON), joint tenancy vs tenants-in-common, the renewal requalification trap, and why creditor insurance claims get denied.
- [Smith Maneuver vs From Debt to Zero: Pay It Off or Leverage It?](/learn/from-debt-to-zero-vs-smith-maneuver) — Two #1 Amazon bestsellers, two opposite strategies. One kills your mortgage fast; the other makes it tax-deductible to invest. A 23-year broker on which fits you — in his own voice.

### Renewal

Navigate the biggest mortgage event you’ll face — from negotiation to switching lenders.

- [The 2026 Renewal Trap (And How to Escape It)](/learn/mortgage-renewal-guide) — $900B+ in mortgages renewing at 2–3× original rates. Payment shock calculator, negotiation tactics, and a 120-day action plan.
- [Fixed or Variable at Renewal in 2026?](/learn/fixed-vs-variable-renewal) — BoC signals, bond market volatility, break-even scenarios, and a 4-profile decision framework from a 23-year mortgage professional.
- [Payment Shock: Renewing from 1–2% to 4%+](/learn/payment-shock) — Locked in at 1.89% and facing 4%+? Payment shock calculator, real dollar scenarios, and 5 strategies to reduce the increase.
- [Switch Lenders at Renewal or Stay?](/learn/switching-lenders-at-renewal) — When the switch is free, when it costs you $3,000 (looking at you, TD and Scotia STEP), and the balance below which the savings stop justifying the paperwork.
- [Negative Equity at Renewal: Are You Trapped?](/learn/negative-equity-renewal) — Bought in 2021–2022 with 5% down and your home dropped in value? Your lender will still renew you — but switching may not be an option. What to do about it.
- [Standard vs Collateral Mortgages](/learn/standard-vs-collateral-mortgage) — TD registers all mortgages as collateral. Scotia STEP too. Here’s how to tell which type you signed, what it costs to leave, and why most borrowers find out at the worst possible moment.
- [Negotiating Your Renewal Rate](/learn/mortgage-renewal-negotiation) — Your bank's first renewal offer is their opening position, not their best rate. The exact language — and the quiet escalation — that has moved CIBC, RBC, and BMO 30 to 50 basis points lower.
- [Mortgage Renewal Risks](/learn/mortgage-renewal-risks) — The 9 risks that increase your cost of credit at renewal. Don't auto-sign without reading this.
- [When to Lock In Your Renewal Rate](/learn/renewal-rate-hold-timing) — Scotia holds rates for 5 days. Most lenders give you 120. A visual timeline of the renewal window, lender pressure tactics, and why waiting for a BoC cut rarely helps your fixed rate.
- [Extending Amortization at Renewal](/learn/extending-amortization-at-renewal) — Can you stretch your amortization to lower your payment without requalifying? Yes — but the interest cost is real. The rules, the math, and the strategy that actually works.
- [Bona Fide Sale Clauses: Why the Lowest Rate Can Cost You More](/learn/bona-fide-sale-clause) — BMO Smart Fixed and monoline lenders offer rates 10–25 bps lower — but the bona fide sale clause means you can't refinance, port, or access equity until renewal. A real client story and the full math.
- [How to Time Your Mortgage Renewal Rate](/learn/mortgage-rate-timing-strategies) — Variable rates track the BoC. Fixed rates follow bond yields. Cuts are already priced in. Here's how to use the 120-day rate hold to stop guessing.
- [Smith Maneuver at Renewal: Turn Your Mortgage Into Tax Deductions](/learn/smith-maneuver-at-renewal) — The Smith Maneuver converts non-deductible mortgage interest into tax-deductible investment interest. The CRA-compliant setup and the real math behind the strategy.
- [Refinance vs. Renewal](/learn/refinance-vs-renewal) — IRD penalties, stress test implications, and how each option impacts your total cost of credit.
- [Refinancing Above 80% LTV: What Canada Actually Allows](/learn/refinance-above-80-percent-ltv) — The 80% refinance ceiling is statutory. The only two paths above it, what each costs, and the purposes that have no path at all — with a calculator showing whether equity or income stops you first.
- [Forced to Use a B-Lender? Here's Your Exit Strategy](/learn/surviving-renewal-a-lenders-vs-b-lenders) — Failing the stress test at renewal? A B-lender keeps you in your home — but the real play is getting back to an A-lender fast. The exit plan that saves you thousands.
- [Lump Sum Prepayment vs TFSA at Renewal](/learn/lump-sum-prepayment-vs-tfsa) — $60K in the bank and a renewal coming up. Should you pay down the mortgage or invest in your TFSA? Prepayment privileges, the math, and the timing trick that resets your allowance.
- [HELOC vs Re-advanceable Mortgage](/learn/heloc-vs-readvanceable-mortgage) — A standalone HELOC has a fixed limit. A re-advanceable mortgage grows your HELOC as you pay down principal. The difference matters — especially at renewal.
- [Removing a Co-Signer from Your Mortgage](/learn/removing-co-signer-mortgage) — Removing a co-signer costs $1,400 to $4,700+ in legal fees and requires qualifying alone under the stress test. Here’s how to do it without overpaying.
- [Spousal Buyout Mortgage: Reaching 95% LTV After Separation](/learn/spousal-buyout-mortgage) — Insurers let you reach 95% LTV to buy out your ex-spouse — not by refinancing, but by treating it as a purchase of their interest in the home. Eligibility, what the premium really costs, and an interactive calculator.
- [Self-Employed Mortgage Renewal: Don't Get Trapped](/learn/self-employed-mortgage-renewal) — Your lender knows you can't requalify elsewhere. Write-offs drop qualifying income, CRA arrears block insurer approval, and collateral charges prevent switching. The 150-day playbook.
- [Mortgage Renewal on CPP & OAS: A Retiree Playbook](/learn/mortgage-renewal-cpp-oas) — How a retiree on $2,800/month CPP + OAS actually renews a $180K mortgage in 2026. Stress-test exemption rules, income lenders count, B-lender exits, and when reverse mortgage wins.
- [Renewing a Mortgage on Mat Leave, Layoff or LTD](/learn/renewing-mortgage-mat-leave-layoff-ltd) — Straight renewal with your current lender usually skips requalification — even on reduced income. The playbook for mat leave, job loss, and long-term disability.
- [Renewing a Mortgage During a Consumer Proposal](/learn/renewing-mortgage-consumer-proposal) — Your current lender will almost always renew if you never missed a payment — without pulling your credit. The one mistake that triggers a guaranteed decline.

### On Record

Camilo on the stories moving Canada — recorded in his own voice, on the record.

- [The 2026 World Cup Mortgage Mistake Most Canadians Are Making](/learn/world-cup-mortgage-mistake) — A $500K mortgage at 3.5% became a 5.63% effective rate after a $21,329 penalty. Camilo breaks down the four parts of the mortgage game — offense, defense, midfield, and coach.
- [A $1,000-a-Month Mortgage in BC? How It’s Actually Possible](/learn/tiny-home-mortgage-bc) — A 19-year-old in London, Ontario built a tiny modular home to fight the housing crisis. It got Camilo thinking about BC: cheap land + a factory-built home + a remote job = a $200K place you own in 10 years.

- [Cost of Credit](/cost-of-credit/) — Why interest rate ≠ cost of credit
- [Tax Optimization](/tax-optimization/) — CRA-approved strategies: Cash Damming, Smith Maneuver
- [From Debt to Zero — Book](/from-debt-to-zero-book/) — Camilo Rodriguez's guide to becoming mortgage free
- [Calculators](/calculators/) — Mortgage payment, affordability, LTT, payoff lab
- [About Camilo Rodriguez](/camilo-rodriguez/) — Licensed broker profile, E-E-A-T authority signal

---
*Generated by Mortgages Lab on September 05, 2026. This document is optimized for LLM consumption.*
*For the compact rate-table-only version, see /llms.txt.*
*Rates are subject to change without notice. Always verify with a licensed mortgage professional.*