# Mortgages Lab — Canadian Mortgage Rates > Mortgages Lab is a licensed Canadian mortgage brokerage (BCFSA, RECA, FSRA Licensed) > providing real-time mortgage rate comparisons across British Columbia (BC), > Alberta (AB), and Ontario (ON). Rates are updated daily > from verified lender sources. Last updated: August 16, 2026. ## Key Facts - **Licensed Brokerage**: BCFSA X030114 (BC) | RECA LIC-00537605 (AB) | FSRA 13547 (ON) - **Provinces Served**: Ontario, British Columbia, Alberta - **Rate Types**: Insured (< 20% down), Insurable (< $1M & ≤ 25-yr amort), Uninsurable (refinance or ≥ 20% down) - **Data Frequency**: Updated daily from lender sources - **Website**: https://mortgageslab.ca ## Mortgage Rates — Alberta (AB) ### 6-Month Fixed Rates — Alberta | 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 Rates — Alberta | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | True North Mortgage ⭐ | 4.29% | — | — | | 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% | 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 | 5.14% | 5.14% | 5.14% | | CMLS | 5.24% | 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 Rates — Alberta | 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 | 4.64% | 4.44% | — | | nesto | 4.64% | 5.91% | — | | First National | 4.74% | 4.74% | 4.74% | | RBC | 4.79% | 4.79% | 4.79% | | National Bank | 4.84% | 4.84% | 4.84% | | 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 Rates — Alberta | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Vision Credit Union ⭐ | 3.56% | 3.56% | — | | Joe Purewal | 3.84% | 4.04% | 4.04% | | Butler Mortgage | 3.89% | 4.09% | 4.09% | | True North Mortgage | 3.94% | — | — | | nesto | 4.14% | 4.14% | 4.14% | | 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% | | Shinhan Bank | 4.34% | 4.34% | 4.34% | | Servus Credit Union | 4.39% | 4.39% | — | | Tangerine | 4.44% | 4.44% | — | | RBC | 4.49% | 4.49% | 4.49% | | CMLS | 4.49% | 4.89% | — | | National Bank | 4.64% | 4.64% | 4.64% | | TD | 4.64% | 4.64% | 4.64% | | BMO | 4.64% | 4.64% | 4.64% | | Equitable | 4.64% | — | — | | CIBC | 4.74% | 4.74% | 4.74% | | Simplii Financial | 4.74% | 4.74% | — | | First National | 4.94% | 4.94% | 4.94% | | Manulife | 4.99% | 4.99% | 4.99% | | Bridgewater Bank | 5.19% | 5.19% | 5.19% | | Community Trust | 5.55% | 5.55% | 5.55% | | Laurentian | 6.09% | 6.09% | — | ### 4-Year Fixed Rates — Alberta | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Vision Credit Union ⭐ | 3.74% | 3.74% | — | | Desjardins | 4.39% | 4.39% | — | | True North Mortgage | 4.14% | — | — | | Joe Purewal | 4.19% | 4.44% | 4.44% | | nesto | 4.29% | 4.47% | 4.47% | | ATB | 4.34% | 4.34% | 4.34% | | 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% | — | | CMLS | 4.64% | 4.69% | — | | Equitable | 4.64% | — | — | | National Bank | 4.79% | 4.79% | 4.79% | | RBC | 4.84% | 4.84% | 4.84% | | CIBC | 4.89% | 4.89% | 4.89% | | First National | 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 Rates — Alberta | 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% | | nesto | 4.49% | 4.09% | 4.09% | | True North Mortgage | 4.14% | — | — | | Joe Purewal | 4.24% | 4.49% | 4.49% | | Equitable | 4.24% | — | — | | Servus Credit Union | 4.29% | 4.54% | — | | Laurentian | 4.29% | 4.79% | — | | CMLS | 4.34% | 4.99% | — | | Desjardins | 4.49% | 4.49% | — | | ATB | 4.39% | 4.39% | 4.39% | | Investors Group | 4.49% | 4.79% | — | | Manulife | 4.39% | 4.69% | 4.69% | | Innovation Credit Union | 4.39% | 5.79% | — | | First National | 4.49% | 4.54% | 4.54% | | Tangerine | 4.49% | 4.49% | — | | IG Wealth Management | 4.49% | 4.84% | — | | Shinhan Bank | 4.49% | 4.49% | 4.49% | | CIBC | 4.59% | 4.94% | 4.94% | | 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% | 4.89% | | Simplii Financial | 4.94% | 4.94% | — | | Community Trust | 5.59% | 5.59% | 5.59% | ### 6-Year Fixed Rates — Alberta | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Joe Purewal ⭐ | 4.54% | 4.69% | 4.69% | | Laurentian ⭐ | 6.69% | 6.69% | — | | CMLS | 7.04% | — | — | ### 7-Year Fixed Rates — Alberta | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Innovation Credit Union ⭐ | 4.91% | 4.91% | — | | Joe Purewal | 4.95% | 5.20% | 5.20% | | RBC | 5.00% | 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 | 6.19% | 6.19% | — | | 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 | 7.69% | — | — | ### 8-Year Fixed Rates — Alberta | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Laurentian ⭐ | 7.14% | 7.14% | — | ### 9-Year Fixed Rates — Alberta | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Laurentian ⭐ | 7.14% | 7.14% | — | ### 10-Year Fixed Rates — Alberta | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Joe Purewal ⭐ | 5.35% | 5.60% | 5.60% | | 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 | 7.74% | 7.74% | — | | CMLS | 7.79% | — | — | ### 3-Year Variable Rates — Alberta | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | nesto ⭐ | 3.60% | 3.60% | — | | CIBC | 4.05% | 4.05% | 4.05% | | Shinhan Bank | 4.15% | 4.15% | 4.15% | | ATB | 4.39% | 4.34% | 4.34% | | Laurentian | 4.45% | — | — | | CMLS | 4.75% | — | — | ### 5-Year Variable Rates — Alberta | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Butler Mortgage ⭐ | 3.40% | 3.40% | 3.40% | | nesto | 3.80% | 3.45% | 3.45% | | True North Mortgage | 3.49% | — | — | | Equitable | 3.60% | — | — | | Joe Purewal | 3.65% | 3.95% | 3.95% | | ATB | 3.65% | 3.80% | 3.80% | | Investors Group | 3.75% | 4.09% | — | | First National | 3.70% | 3.95% | 3.95% | | IG Wealth Management | 3.75% | 4.09% | — | | RBC | 3.95% | 3.95% | 3.95% | | CIBC | 3.95% | 4.10% | 4.10% | | Shinhan Bank | 3.95% | 3.95% | 3.95% | | Tangerine | 4.00% | 4.00% | — | | Laurentian | 4.05% | — | — | | National Bank | 4.10% | 4.10% | 4.10% | | BMO | 4.10% | 4.10% | 4.10% | | Desjardins | 4.10% | 4.10% | — | | Simplii Financial | 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% | — | — | ## Mortgage Rates — Newfoundland and Labrador (NL) ### 6-Month Fixed Rates — Newfoundland and Labrador | 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 Rates — Newfoundland and Labrador | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | True North Mortgage ⭐ | 4.29% | — | — | | 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% | 4.89% | | Community Trust | 4.99% | 4.99% | 4.99% | | First National | 5.14% | 5.14% | 5.14% | | CMLS | 5.24% | 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 Rates — Newfoundland and Labrador | 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 | 4.64% | 4.44% | — | | nesto | 4.64% | 5.91% | — | | First National | 4.74% | 4.74% | 4.74% | | RBC | 4.79% | 4.79% | 4.79% | | National Bank | 4.84% | 4.84% | 4.84% | | 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 Rates — Newfoundland and Labrador | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | True North Mortgage ⭐ | 3.94% | — | — | | Frank Mortgage | 3.99% | 4.19% | 4.19% | | nesto | 4.14% | 4.14% | 4.14% | | Investors Group | 4.34% | 4.79% | 4.79% | | Innovation Credit Union | 4.29% | 4.29% | — | | IG Wealth Management | 4.34% | 4.79% | 4.79% | | Tangerine | 4.44% | 4.44% | — | | RBC | 4.49% | 4.49% | 4.49% | | CMLS | 4.49% | 4.89% | — | | National Bank | 4.64% | 4.64% | 4.64% | | TD | 4.64% | 4.64% | 4.64% | | BMO | 4.64% | 4.64% | 4.64% | | Equitable | 4.64% | — | — | | CIBC | 4.74% | 4.74% | 4.74% | | Simplii Financial | 4.74% | 4.74% | — | | First National | 4.94% | 4.94% | 4.94% | | Manulife | 4.99% | 4.99% | 4.99% | | Community Trust | 5.55% | 5.55% | 5.55% | | Laurentian | 6.09% | 6.09% | — | ### 4-Year Fixed Rates — Newfoundland and Labrador | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | True North Mortgage ⭐ | 4.14% | — | — | | Frank Mortgage | 4.19% | 4.19% | 4.19% | | Desjardins | 4.39% | 4.39% | — | | nesto | 4.29% | 4.47% | 4.47% | | Innovation Credit Union | 4.49% | 4.49% | — | | Tangerine | 4.49% | 4.49% | — | | CMLS | 4.64% | 4.69% | — | | Equitable | 4.64% | — | — | | National Bank | 4.79% | 4.79% | 4.79% | | RBC | 4.84% | 4.84% | 4.84% | | CIBC | 4.89% | 4.89% | 4.89% | | First National | 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 Rates — Newfoundland and Labrador | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Frank Mortgage ⭐ | 4.04% | 4.04% | 4.04% | | nesto | 4.49% | 4.09% | 4.09% | | True North Mortgage | 4.14% | — | — | | Equitable | 4.24% | — | — | | Laurentian | 4.29% | 4.79% | — | | CMLS | 4.34% | 4.99% | — | | Manulife | 4.39% | 4.69% | 4.69% | | Desjardins | 4.49% | 4.49% | — | | Innovation Credit Union | 4.39% | 5.79% | — | | First National | 4.49% | 4.54% | 4.54% | | Investors Group | 4.49% | 4.79% | — | | Tangerine | 4.49% | 4.49% | — | | IG Wealth Management | 4.49% | 4.84% | — | | CIBC | 4.59% | 4.94% | 4.94% | | 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% | 4.89% | | Simplii Financial | 4.94% | 4.94% | — | | Community Trust | 5.59% | 5.59% | 5.59% | ### 6-Year Fixed Rates — Newfoundland and Labrador | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Laurentian ⭐ | 6.69% | 6.69% | — | | CMLS | 7.04% | — | — | ### 7-Year Fixed Rates — Newfoundland and Labrador | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Innovation Credit Union ⭐ | 4.91% | 4.91% | — | | RBC | 5.00% | 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 | 6.19% | 6.19% | — | | 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 | 7.69% | — | — | ### 8-Year Fixed Rates — Newfoundland and Labrador | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Laurentian ⭐ | 7.14% | 7.14% | — | ### 9-Year Fixed Rates — Newfoundland and Labrador | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Laurentian ⭐ | 7.14% | 7.14% | — | ### 10-Year Fixed Rates — Newfoundland and Labrador | 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 | 7.74% | 7.74% | — | | CMLS | 7.79% | — | — | ### 3-Year Variable Rates — Newfoundland and Labrador | 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 Rates — Newfoundland and Labrador | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Frank Mortgage ⭐ | 3.35% | 3.40% | 3.40% | | nesto | 3.80% | 3.45% | 3.45% | | True North Mortgage | 3.49% | — | — | | Equitable | 3.60% | — | — | | First National | 3.70% | 3.95% | 3.95% | | Investors Group | 3.75% | 4.09% | — | | IG Wealth Management | 3.75% | 4.09% | — | | RBC | 3.95% | 3.95% | 3.95% | | CIBC | 3.95% | 4.10% | 4.10% | | Tangerine | 4.00% | 4.00% | — | | Laurentian | 4.05% | — | — | | 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% | — | | TD | 4.24% | 4.24% | 4.24% | | Innovation Credit Union | 4.35% | 6.00% | — | | Manulife | 4.45% | 4.45% | — | | CMLS | 4.65% | — | — | ## Mortgage Rates — Quebec (QC) ### 6-Month Fixed Rates — Quebec | 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 Rates — Quebec | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | True North Mortgage ⭐ | 4.29% | — | — | | Innovation Credit Union | 4.59% | 4.59% | — | | CIBC | 4.74% | 4.74% | 4.74% | | RBC | 4.89% | 4.89% | 4.89% | | Community Trust | 4.99% | 4.99% | 4.99% | | First National | 5.14% | 5.14% | 5.14% | | CMLS | 5.24% | 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 Rates — Quebec | 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 | 4.64% | 4.44% | — | | nesto | 4.64% | 5.91% | — | | First National | 4.74% | 4.74% | 4.74% | | RBC | 4.79% | 4.79% | 4.79% | | National Bank | 4.84% | 4.84% | 4.84% | | 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 Rates — Quebec | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | True North Mortgage ⭐ | 3.94% | — | — | | nesto | 4.14% | 4.14% | 4.14% | | Investors Group | 4.34% | 4.79% | 4.79% | | Innovation Credit Union | 4.29% | 4.29% | — | | IG Wealth Management | 4.34% | 4.79% | 4.79% | | Tangerine | 4.44% | 4.44% | — | | RBC | 4.49% | 4.49% | 4.49% | | CMLS | 4.49% | 4.89% | — | | National Bank | 4.64% | 4.64% | 4.64% | | TD | 4.64% | 4.64% | 4.64% | | BMO | 4.64% | 4.64% | 4.64% | | Equitable | 4.64% | — | — | | CIBC | 4.74% | 4.74% | 4.74% | | Simplii Financial | 4.74% | 4.74% | — | | First National | 4.94% | 4.94% | 4.94% | | Manulife | 4.99% | 4.99% | 4.99% | | Community Trust | 5.55% | 5.55% | 5.55% | | Laurentian | 6.09% | 6.09% | — | ### 4-Year Fixed Rates — Quebec | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | True North Mortgage ⭐ | 4.14% | — | — | | nesto | 4.29% | 4.47% | 4.47% | | Desjardins | 4.39% | 4.39% | — | | Innovation Credit Union | 4.49% | 4.49% | — | | Tangerine | 4.49% | 4.49% | — | | CMLS | 4.64% | 4.69% | — | | Equitable | 4.64% | — | — | | National Bank | 4.79% | 4.79% | 4.79% | | RBC | 4.84% | 4.84% | 4.84% | | CIBC | 4.89% | 4.89% | 4.89% | | First National | 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 Rates — Quebec | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | nesto ⭐ | 4.49% | 4.09% | 4.09% | | True North Mortgage | 4.14% | — | — | | Equitable | 4.24% | — | — | | Laurentian | 4.29% | 4.79% | — | | CMLS | 4.34% | 4.99% | — | | Manulife | 4.39% | 4.69% | 4.69% | | Innovation Credit Union | 4.39% | 5.79% | — | | First National | 4.49% | 4.54% | 4.54% | | Investors Group | 4.49% | 4.79% | — | | Desjardins | 4.49% | 4.49% | — | | Tangerine | 4.49% | 4.49% | — | | IG Wealth Management | 4.49% | 4.84% | — | | CIBC | 4.59% | 4.94% | 4.94% | | 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% | 4.89% | | Simplii Financial | 4.94% | 4.94% | — | | Community Trust | 5.59% | 5.59% | 5.59% | ### 6-Year Fixed Rates — Quebec | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Laurentian ⭐ | 6.69% | 6.69% | — | | CMLS | 7.04% | — | — | ### 7-Year Fixed Rates — Quebec | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Innovation Credit Union ⭐ | 4.91% | 4.91% | — | | RBC | 5.00% | 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 | 6.19% | 6.19% | — | | 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 | 7.69% | — | — | ### 8-Year Fixed Rates — Quebec | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Laurentian ⭐ | 7.14% | 7.14% | — | ### 9-Year Fixed Rates — Quebec | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Laurentian ⭐ | 7.14% | 7.14% | — | ### 10-Year Fixed Rates — Quebec | 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 | 7.74% | 7.74% | — | | CMLS | 7.79% | — | — | ### 3-Year Variable Rates — Quebec | 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 Rates — Quebec | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | nesto ⭐ | 3.80% | 3.45% | 3.45% | | True North Mortgage | 3.49% | — | — | | Equitable | 3.60% | — | — | | First National | 3.70% | 3.95% | 3.95% | | Investors Group | 3.75% | 4.09% | — | | IG Wealth Management | 3.75% | 4.09% | — | | RBC | 3.95% | 3.95% | 3.95% | | CIBC | 3.95% | 4.10% | 4.10% | | Tangerine | 4.00% | 4.00% | — | | Laurentian | 4.05% | — | — | | 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% | — | | TD | 4.24% | 4.24% | 4.24% | | Innovation Credit Union | 4.35% | 6.00% | — | | Manulife | 4.45% | 4.45% | — | | CMLS | 4.65% | — | — | ## Mortgage Rates — Saskatchewan (SK) ### 6-Month Fixed Rates — Saskatchewan | 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 Rates — Saskatchewan | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | True North Mortgage ⭐ | 4.29% | — | — | | 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% | 4.89% | | Bridgewater Bank | 4.89% | 4.89% | 4.89% | | Community Trust | 4.99% | 4.99% | 4.99% | | First National | 5.14% | 5.14% | 5.14% | | CMLS | 5.24% | 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 Rates — Saskatchewan | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | True North Mortgage ⭐ | 3.94% | — | — | | Prosperity Credit Union | 4.20% | 4.40% | — | | 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 | 4.64% | 4.44% | — | | First National | 4.74% | 4.74% | 4.74% | | RBC | 4.79% | 4.79% | 4.79% | | National Bank | 4.84% | 4.84% | 4.84% | | 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 Rates — Saskatchewan | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Prosperity Credit Union ⭐ | 3.91% | 4.11% | — | | True North Mortgage | 3.94% | — | — | | Affinity Credit Union | 3.99% | 3.99% | — | | Investors Group | 4.34% | 4.79% | 4.79% | | Conexus Credit Union | 4.04% | 4.39% | 4.39% | | Innovation Credit Union | 4.29% | 4.29% | — | | IG Wealth Management | 4.34% | 4.79% | 4.79% | | Tangerine | 4.44% | 4.44% | — | | RBC | 4.49% | 4.49% | 4.49% | | CMLS | 4.49% | 4.89% | — | | National Bank | 4.64% | 4.64% | 4.64% | | TD | 4.64% | 4.64% | 4.64% | | BMO | 4.64% | 4.64% | 4.64% | | Equitable | 4.64% | — | — | | CIBC | 4.74% | 4.74% | 4.74% | | Simplii Financial | 4.74% | 4.74% | — | | First National | 4.94% | 4.94% | 4.94% | | Manulife | 4.99% | 4.99% | 4.99% | | Bridgewater Bank | 5.19% | 5.19% | 5.19% | | Community Trust | 5.55% | 5.55% | 5.55% | | Laurentian | 6.09% | 6.09% | — | ### 4-Year Fixed Rates — Saskatchewan | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Affinity Credit Union ⭐ | 3.99% | 3.99% | — | | Conexus Credit Union | 4.09% | 4.44% | 4.44% | | Desjardins | 4.39% | 4.39% | — | | Prosperity Credit Union | 4.11% | 4.31% | — | | True North Mortgage | 4.14% | — | — | | Innovation Credit Union | 4.49% | 4.49% | — | | Tangerine | 4.49% | 4.49% | — | | CMLS | 4.64% | 4.69% | — | | Equitable | 4.64% | — | — | | National Bank | 4.79% | 4.79% | 4.79% | | RBC | 4.84% | 4.84% | 4.84% | | CIBC | 4.89% | 4.89% | 4.89% | | First National | 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 Rates — Saskatchewan | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Prosperity Credit Union ⭐ | 3.96% | 4.16% | — | | Affinity Credit Union | 3.99% | 3.99% | — | | Conexus Credit Union | 4.09% | 4.44% | 4.44% | | True North Mortgage | 4.14% | — | — | | Equitable | 4.24% | — | — | | Laurentian | 4.29% | 4.79% | — | | CMLS | 4.34% | 4.99% | — | | Manulife | 4.39% | 4.69% | 4.69% | | Desjardins | 4.49% | 4.49% | — | | Investors Group | 4.49% | 4.79% | — | | Innovation Credit Union | 4.39% | 5.79% | — | | First National | 4.49% | 4.54% | 4.54% | | Tangerine | 4.49% | 4.49% | — | | IG Wealth Management | 4.49% | 4.84% | — | | CIBC | 4.59% | 4.94% | 4.94% | | 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% | 4.89% | | Simplii Financial | 4.94% | 4.94% | — | | Community Trust | 5.59% | 5.59% | 5.59% | ### 6-Year Fixed Rates — Saskatchewan | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Laurentian ⭐ | 6.69% | 6.69% | — | | CMLS | 7.04% | — | — | ### 7-Year Fixed Rates — Saskatchewan | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Innovation Credit Union ⭐ | 4.91% | 4.91% | — | | RBC | 5.00% | 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 | 7.69% | — | — | ### 8-Year Fixed Rates — Saskatchewan | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Laurentian ⭐ | 7.14% | 7.14% | — | ### 9-Year Fixed Rates — Saskatchewan | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Laurentian ⭐ | 7.14% | 7.14% | — | ### 10-Year Fixed Rates — Saskatchewan | 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 | 7.79% | — | — | ### 3-Year Variable Rates — Saskatchewan | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Conexus Credit Union ⭐ | 3.69% | 3.69% | 3.69% | | CIBC | 4.05% | 4.05% | 4.05% | | Laurentian | 4.45% | — | — | | CMLS | 4.75% | — | — | ### 5-Year Variable Rates — Saskatchewan | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | True North Mortgage ⭐ | 3.49% | — | — | | Equitable | 3.60% | — | — | | Conexus Credit Union | 3.69% | 3.69% | 3.69% | | First National | 3.70% | 3.95% | 3.95% | | Investors Group | 3.75% | 4.09% | — | | IG Wealth Management | 3.75% | 4.09% | — | | RBC | 3.95% | 3.95% | 3.95% | | CIBC | 3.95% | 4.10% | 4.10% | | Tangerine | 4.00% | 4.00% | — | | Laurentian | 4.05% | — | — | | 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% | — | | TD | 4.24% | 4.24% | 4.24% | | Innovation Credit Union | 4.35% | 6.00% | — | | Manulife | 4.45% | 4.45% | — | | CMLS | 4.65% | — | — | ## Mortgage Rates — Manitoba (MB) ### 6-Month Fixed Rates — Manitoba | 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 Rates — Manitoba | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | True North Mortgage ⭐ | 4.29% | — | — | | Steinbach Credit Union | 4.39% | 4.49% | — | | 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% | 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 | 5.14% | 5.14% | 5.14% | | CMLS | 5.24% | 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 Rates — Manitoba | 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% | — | | CMLS | 4.64% | 4.44% | — | | nesto | 4.64% | 5.91% | — | | Cambrian Credit Union | 4.70% | 4.70% | 4.70% | | First National | 4.74% | 4.74% | 4.74% | | RBC | 4.79% | 4.79% | 4.79% | | National Bank | 4.84% | 4.84% | 4.84% | | 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 Rates — Manitoba | 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% | — | — | | nesto | 4.14% | 4.14% | 4.14% | | Cambrian Credit Union | 4.19% | 4.19% | 4.19% | | Access Credit Union | 4.19% | 4.19% | 4.19% | | Investors Group | 4.34% | 4.79% | 4.79% | | Innovation Credit Union | 4.29% | 4.29% | — | | IG Wealth Management | 4.34% | 4.79% | 4.79% | | Tangerine | 4.44% | 4.44% | — | | RBC | 4.49% | 4.49% | 4.49% | | CMLS | 4.49% | 4.89% | — | | National Bank | 4.64% | 4.64% | 4.64% | | TD | 4.64% | 4.64% | 4.64% | | BMO | 4.64% | 4.64% | 4.64% | | Equitable | 4.64% | — | — | | CIBC | 4.74% | 4.74% | 4.74% | | Simplii Financial | 4.74% | 4.74% | — | | First National | 4.94% | 4.94% | 4.94% | | Manulife | 4.99% | 4.99% | 4.99% | | Bridgewater Bank | 5.19% | 5.19% | 5.19% | | Community Trust | 5.55% | 5.55% | 5.55% | | Laurentian | 6.09% | 6.09% | — | ### 4-Year Fixed Rates — Manitoba | 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% | — | — | | nesto | 4.29% | 4.47% | 4.47% | | Desjardins | 4.39% | 4.39% | — | | Innovation Credit Union | 4.49% | 4.49% | — | | Tangerine | 4.49% | 4.49% | — | | CMLS | 4.64% | 4.69% | — | | Equitable | 4.64% | — | — | | National Bank | 4.79% | 4.79% | 4.79% | | RBC | 4.84% | 4.84% | 4.84% | | CIBC | 4.89% | 4.89% | 4.89% | | First National | 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 Rates — Manitoba | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Frank Mortgage ⭐ | 4.04% | 4.04% | 4.04% | | Cambrian Credit Union | 4.09% | 4.09% | 4.09% | | nesto | 4.49% | 4.09% | 4.09% | | Steinbach Credit Union | 4.09% | 4.19% | — | | Assiniboine Credit Union | 4.09% | — | — | | True North Mortgage | 4.14% | — | — | | Equitable | 4.24% | — | — | | Access Credit Union | 4.29% | 4.29% | 4.29% | | Laurentian | 4.29% | 4.79% | — | | CMLS | 4.34% | 4.99% | — | | Manulife | 4.39% | 4.69% | 4.69% | | Desjardins | 4.49% | 4.49% | — | | Innovation Credit Union | 4.39% | 5.79% | — | | First National | 4.49% | 4.54% | 4.54% | | Investors Group | 4.49% | 4.79% | — | | Tangerine | 4.49% | 4.49% | — | | IG Wealth Management | 4.49% | 4.84% | — | | CIBC | 4.59% | 4.94% | 4.94% | | 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% | 4.89% | | Simplii Financial | 4.94% | 4.94% | — | | Community Trust | 5.59% | 5.59% | 5.59% | ### 6-Year Fixed Rates — Manitoba | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Laurentian ⭐ | 6.69% | 6.69% | — | | CMLS | 7.04% | — | — | ### 7-Year Fixed Rates — Manitoba | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Innovation Credit Union ⭐ | 4.91% | 4.91% | — | | RBC | 5.00% | 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 | 6.19% | 6.19% | — | | 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 | 7.69% | — | — | ### 8-Year Fixed Rates — Manitoba | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Laurentian ⭐ | 7.14% | 7.14% | — | ### 9-Year Fixed Rates — Manitoba | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Laurentian ⭐ | 7.14% | 7.14% | — | ### 10-Year Fixed Rates — Manitoba | 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 | 7.74% | 7.74% | — | | CMLS | 7.79% | — | — | ### 3-Year Variable Rates — Manitoba | 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 Rates — Manitoba | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Frank Mortgage ⭐ | 3.35% | 3.40% | 3.40% | | nesto | 3.80% | 3.45% | 3.45% | | 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% | 3.95% | | Investors Group | 3.75% | 4.09% | — | | IG Wealth Management | 3.75% | 4.09% | — | | RBC | 3.95% | 3.95% | 3.95% | | CIBC | 3.95% | 4.10% | 4.10% | | Tangerine | 4.00% | 4.00% | — | | Laurentian | 4.05% | — | — | | 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% | — | | TD | 4.24% | 4.24% | 4.24% | | Innovation Credit Union | 4.35% | 6.00% | — | | Manulife | 4.45% | 4.45% | — | | CMLS | 4.65% | — | — | ## Mortgage Rates — British Columbia (BC) ### 6-Month Fixed Rates — British Columbia | 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 Rates — British Columbia | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | True North Mortgage ⭐ | 4.29% | — | — | | Prospera | 4.84% | 4.84% | — | | Everyrate | 4.59% | 4.59% | 4.59% | | Tru Cooperative Bank | 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% | 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 | 5.14% | 5.14% | 5.14% | | CMLS | 5.24% | 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 Rates — British Columbia | 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% | | CIBC | 4.49% | 4.49% | 4.49% | | Innovation Credit Union | 4.49% | 4.49% | — | | Coastal Community Credit Union | 4.49% | 4.49% | — | | Simplii Financial | 4.49% | 4.49% | — | | Tru Cooperative Bank | 4.54% | 4.54% | — | | CMLS | 4.64% | 4.44% | — | | First National | 4.74% | 4.74% | 4.74% | | RBC | 4.79% | 4.79% | 4.79% | | Peoples Bank | 4.79% | 4.79% | — | | National Bank | 4.84% | 4.84% | 4.84% | | 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 Rates — British Columbia | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Butler Mortgage ⭐ | 3.89% | 4.09% | 4.09% | | Everyrate | 3.89% | 3.94% | 3.94% | | Prospera | 4.04% | 4.04% | — | | True North Mortgage | 3.94% | — | — | | Beem Credit Union | 4.24% | 4.24% | — | | Coastal Community Credit Union | 4.24% | 4.29% | — | | Coast Capital | 4.24% | 4.24% | 4.24% | | Investors Group | 4.34% | 4.79% | 4.79% | | Innovation Credit Union | 4.29% | 4.29% | — | | IG Wealth Management | 4.34% | 4.79% | 4.79% | | Shinhan Bank | 4.34% | 4.34% | 4.34% | | Tangerine | 4.44% | 4.44% | — | | Peoples Bank | 4.44% | 4.44% | — | | RBC | 4.49% | 4.49% | 4.49% | | Tru Cooperative Bank | 4.49% | 4.49% | — | | CMLS | 4.49% | 4.89% | — | | National Bank | 4.64% | 4.64% | 4.64% | | TD | 4.64% | 4.64% | 4.64% | | BMO | 4.64% | 4.64% | 4.64% | | Equitable | 4.64% | — | — | | CIBC | 4.74% | 4.74% | 4.74% | | Simplii Financial | 4.74% | 4.74% | — | | First National | 4.94% | 4.94% | 4.94% | | Manulife | 4.99% | 4.99% | 4.99% | | Bridgewater Bank | 5.19% | 5.19% | 5.19% | | Community Trust | 5.55% | 5.55% | 5.55% | | Laurentian | 6.09% | 6.09% | — | ### 4-Year Fixed Rates — British Columbia | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Prospera ⭐ | 4.14% | 4.14% | — | | True North Mortgage ⭐ | 4.14% | — | — | | Beem Credit Union | 4.34% | 4.34% | — | | Desjardins | 4.39% | 4.39% | — | | Coastal Community Credit Union | 4.34% | 4.34% | — | | Coast Capital | 4.34% | 4.34% | 4.34% | | Everyrate | 4.39% | 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% | — | | Tru Cooperative Bank | 4.54% | 4.54% | — | | CMLS | 4.64% | 4.69% | — | | Equitable | 4.64% | — | — | | National Bank | 4.79% | 4.79% | 4.79% | | RBC | 4.84% | 4.84% | 4.84% | | CIBC | 4.89% | 4.89% | 4.89% | | First National | 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 Rates — British Columbia | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Butler Mortgage ⭐ | 4.04% | 4.09% | 4.09% | | Meridian ⭐ | 3.69% | 3.74% | 3.99% | | Everyrate | 4.04% | 4.09% | 4.09% | | Prospera | 3.89% | 4.24% | — | | Coast Capital | 4.04% | 4.44% | 4.44% | | Beem Credit Union | 4.04% | 4.39% | — | | True North Mortgage | 4.14% | — | — | | Coastal Community Credit Union | 4.24% | 4.34% | 4.34% | | Equitable | 4.24% | — | — | | Laurentian | 4.29% | 4.79% | — | | Desjardins | 4.49% | 4.49% | — | | Tru Cooperative Bank | 4.34% | 4.59% | — | | CMLS | 4.34% | 4.99% | — | | Investors Group | 4.49% | 4.79% | — | | Manulife | 4.39% | 4.69% | 4.69% | | Innovation Credit Union | 4.39% | 5.79% | — | | Peoples Bank | 4.44% | 4.44% | — | | First National | 4.49% | 4.54% | 4.54% | | Tangerine | 4.49% | 4.49% | — | | IG Wealth Management | 4.49% | 4.84% | — | | Shinhan Bank | 4.49% | 4.49% | 4.49% | | CIBC | 4.59% | 4.94% | 4.94% | | 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% | 4.89% | | Simplii Financial | 4.94% | 4.94% | — | | Community Trust | 5.59% | 5.59% | 5.59% | ### 6-Year Fixed Rates — British Columbia | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Coast Capital ⭐ | 4.89% | 4.89% | 4.89% | | Laurentian | 6.69% | 6.69% | — | | CMLS | 7.04% | — | — | ### 7-Year Fixed Rates — British Columbia | 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% | 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% | | Tangerine | 5.50% | 5.50% | — | | Investors Group | 6.40% | 6.40% | — | | Manulife | 6.35% | 6.35% | 6.35% | | IG Wealth Management | 6.40% | 6.40% | — | | Laurentian | 6.69% | 6.69% | — | | Tru Cooperative Bank | 7.24% | 7.24% | — | | CMLS | 7.69% | — | — | ### 8-Year Fixed Rates — British Columbia | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Coast Capital ⭐ | 4.89% | 4.89% | 4.89% | | Laurentian | 7.14% | 7.14% | — | ### 9-Year Fixed Rates — British Columbia | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Coast Capital ⭐ | 5.09% | 5.09% | 5.09% | | Laurentian | 7.14% | 7.14% | — | ### 10-Year Fixed Rates — British Columbia | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Coast Capital ⭐ | 5.09% | 5.09% | 5.09% | | Prospera ⭐ | 5.04% | 5.04% | — | | 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 | 7.49% | 7.49% | — | | CMLS | 7.79% | — | — | ### 3-Year Variable Rates — British Columbia | 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 | 4.15% | 4.15% | 4.15% | | Laurentian | 4.45% | — | — | | CMLS | 4.75% | — | — | ### 5-Year Variable Rates — British Columbia | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Butler Mortgage ⭐ | 3.40% | 3.40% | 3.40% | | Everyrate | 3.45% | 3.40% | 3.40% | | True North Mortgage | 3.49% | — | — | | Equitable | 3.60% | — | — | | Prospera | 3.69% | 3.79% | — | | First National | 3.70% | 3.95% | 3.95% | | Tru Cooperative Bank | 3.70% | 3.95% | — | | Coastal Community Credit Union | 3.75% | 3.95% | 3.95% | | Investors Group | 3.75% | 4.09% | — | | Beem Credit Union | 3.75% | 3.75% | — | | IG Wealth Management | 3.75% | 4.09% | — | | Coast Capital | 3.79% | 3.94% | 3.94% | | Peoples Bank | 3.80% | 3.80% | — | | RBC | 3.95% | 3.95% | 3.95% | | CIBC | 3.95% | 4.10% | 4.10% | | Shinhan Bank | 3.95% | 3.95% | 3.95% | | Tangerine | 4.00% | 4.00% | — | | Laurentian | 4.05% | — | — | | Desjardins | 4.10% | 4.10% | — | | National Bank | 4.10% | 4.10% | 4.10% | | BMO | 4.10% | 4.10% | 4.10% | | Simplii Financial | 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% | — | — | ## Mortgage Rates — Nova Scotia (NS) ### 6-Month Fixed Rates — Nova Scotia | 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 Rates — Nova Scotia | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | True North Mortgage ⭐ | 4.29% | — | — | | 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% | 4.89% | | Community Trust | 4.99% | 4.99% | 4.99% | | First National | 5.14% | 5.14% | 5.14% | | CMLS | 5.24% | 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 Rates — Nova Scotia | 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 | 4.64% | 4.44% | — | | nesto | 4.64% | 5.91% | — | | First National | 4.74% | 4.74% | 4.74% | | RBC | 4.79% | 4.79% | 4.79% | | National Bank | 4.84% | 4.84% | 4.84% | | 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 Rates — Nova Scotia | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | True North Mortgage ⭐ | 3.94% | — | — | | Frank Mortgage | 3.99% | 4.19% | 4.19% | | nesto | 4.14% | 4.14% | 4.14% | | Investors Group | 4.34% | 4.79% | 4.79% | | Innovation Credit Union | 4.29% | 4.29% | — | | IG Wealth Management | 4.34% | 4.79% | 4.79% | | Tangerine | 4.44% | 4.44% | — | | RBC | 4.49% | 4.49% | 4.49% | | CMLS | 4.49% | 4.89% | — | | National Bank | 4.64% | 4.64% | 4.64% | | TD | 4.64% | 4.64% | 4.64% | | BMO | 4.64% | 4.64% | 4.64% | | Equitable | 4.64% | — | — | | CIBC | 4.74% | 4.74% | 4.74% | | Simplii Financial | 4.74% | 4.74% | — | | First National | 4.94% | 4.94% | 4.94% | | Manulife | 4.99% | 4.99% | 4.99% | | Community Trust | 5.55% | 5.55% | 5.55% | | Laurentian | 6.09% | 6.09% | — | ### 4-Year Fixed Rates — Nova Scotia | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | True North Mortgage ⭐ | 4.14% | — | — | | Frank Mortgage | 4.19% | 4.19% | 4.19% | | Desjardins | 4.39% | 4.39% | — | | nesto | 4.29% | 4.47% | 4.47% | | Innovation Credit Union | 4.49% | 4.49% | — | | Tangerine | 4.49% | 4.49% | — | | CMLS | 4.64% | 4.69% | — | | Equitable | 4.64% | — | — | | National Bank | 4.79% | 4.79% | 4.79% | | RBC | 4.84% | 4.84% | 4.84% | | CIBC | 4.89% | 4.89% | 4.89% | | First National | 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 Rates — Nova Scotia | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Frank Mortgage ⭐ | 4.04% | 4.04% | 4.04% | | nesto | 4.49% | 4.09% | 4.09% | | True North Mortgage | 4.14% | — | — | | Equitable | 4.24% | — | — | | Laurentian | 4.29% | 4.79% | — | | CMLS | 4.34% | 4.99% | — | | Manulife | 4.39% | 4.69% | 4.69% | | Desjardins | 4.49% | 4.49% | — | | Innovation Credit Union | 4.39% | 5.79% | — | | Investors Group | 4.49% | 4.79% | — | | First National | 4.49% | 4.54% | 4.54% | | Tangerine | 4.49% | 4.49% | — | | IG Wealth Management | 4.49% | 4.84% | — | | CIBC | 4.59% | 4.94% | 4.94% | | 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% | 4.89% | | Simplii Financial | 4.94% | 4.94% | — | | Community Trust | 5.59% | 5.59% | 5.59% | ### 6-Year Fixed Rates — Nova Scotia | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Laurentian ⭐ | 6.69% | 6.69% | — | | CMLS | 7.04% | — | — | ### 7-Year Fixed Rates — Nova Scotia | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Innovation Credit Union ⭐ | 4.91% | 4.91% | — | | RBC | 5.00% | 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 | 6.19% | 6.19% | — | | 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 | 7.69% | — | — | ### 8-Year Fixed Rates — Nova Scotia | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Laurentian ⭐ | 7.14% | 7.14% | — | ### 9-Year Fixed Rates — Nova Scotia | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Laurentian ⭐ | 7.14% | 7.14% | — | ### 10-Year Fixed Rates — Nova Scotia | 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 | 7.74% | 7.74% | — | | CMLS | 7.79% | — | — | ### 3-Year Variable Rates — Nova Scotia | 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 Rates — Nova Scotia | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Frank Mortgage ⭐ | 3.35% | 3.40% | 3.40% | | nesto | 3.80% | 3.45% | 3.45% | | True North Mortgage | 3.49% | — | — | | Equitable | 3.60% | — | — | | First National | 3.70% | 3.95% | 3.95% | | Investors Group | 3.75% | 4.09% | — | | IG Wealth Management | 3.75% | 4.09% | — | | RBC | 3.95% | 3.95% | 3.95% | | CIBC | 3.95% | 4.10% | 4.10% | | Tangerine | 4.00% | 4.00% | — | | Laurentian | 4.05% | — | — | | 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% | — | | TD | 4.24% | 4.24% | 4.24% | | Innovation Credit Union | 4.35% | 6.00% | — | | Manulife | 4.45% | 4.45% | — | | CMLS | 4.65% | — | — | ## Mortgage Rates — Ontario (ON) ### 6-Month Fixed Rates — Ontario | 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 Rates — Ontario | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | True North Mortgage ⭐ | 4.29% | — | — | | Joe Purewal | 4.39% | 4.39% | 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% | 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% | — | — | | First National | 5.14% | 5.14% | 5.14% | | CMLS | 5.24% | 4.94% | — | | Libro Credit Union | 5.24% | 5.24% | — | | First Ontario | 5.29% | 5.29% | 5.29% | | 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 Rates — Ontario | 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 | 4.64% | 4.44% | — | | nesto | 4.64% | 5.91% | — | | First National | 4.74% | 4.74% | 4.74% | | First Ontario | 4.74% | 4.74% | 4.74% | | RBC | 4.79% | 4.79% | 4.79% | | National Bank | 4.84% | 4.84% | 4.84% | | 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% | | Kawartha Credit Union | 5.54% | 5.54% | — | | Alterna Savings | 5.39% | 5.39% | 5.39% | | 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 Rates — Ontario | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Butler Mortgage ⭐ | 3.89% | 4.09% | 4.09% | | Joe Purewal | 3.89% | 4.09% | 4.09% | | Equitable Bank | 4.49% | 4.54% | — | | Frank Mortgage | 3.89% | 4.09% | 4.09% | | True North Mortgage | 3.94% | — | — | | Alterna Savings | 3.99% | 4.39% | 4.39% | | Kawartha Credit Union | 4.14% | 4.14% | — | | WFCU | 3.99% | 4.57% | — | | nesto | 4.14% | 4.14% | 4.14% | | Northern Credit Union | 4.19% | 4.49% | — | | Kawartha Financial Services | 4.24% | 4.24% | — | | Meridian | 4.24% | 4.34% | — | | Kindred Credit Union | 4.24% | 4.55% | — | | Libro Credit Union | 4.24% | 4.94% | — | | Pathwise Credit Union | 4.29% | 4.59% | 4.59% | | Investors Group | 4.34% | 4.79% | 4.79% | | Innovation Credit Union | 4.29% | 4.29% | — | | IG Wealth Management | 4.34% | 4.79% | 4.79% | | Shinhan Bank | 4.34% | 4.34% | 4.34% | | DUCA | 4.39% | — | — | | Tangerine | 4.44% | 4.44% | — | | RBC | 4.49% | 4.49% | 4.49% | | Caisse Alliance | 4.49% | 4.74% | 4.74% | | CMLS | 4.49% | 4.89% | — | | National Bank | 4.64% | 4.64% | 4.64% | | TD | 4.64% | 4.64% | 4.64% | | BMO | 4.64% | 4.64% | 4.64% | | Equitable | 4.64% | — | — | | First Ontario | 4.74% | 4.74% | 4.74% | | CIBC | 4.74% | 4.74% | 4.74% | | Simplii Financial | 4.74% | 4.74% | — | | First National | 4.94% | 4.94% | 4.94% | | Manulife | 4.99% | 4.99% | 4.99% | | Bridgewater Bank | 5.19% | 5.19% | 5.19% | | Community Trust | 5.55% | 5.55% | 5.55% | | Laurentian | 6.09% | 6.09% | — | ### 4-Year Fixed Rates — Ontario | 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% | | nesto | 4.29% | 4.47% | 4.47% | | Desjardins | 4.39% | 4.39% | — | | Shinhan Bank | 4.44% | 4.44% | 4.44% | | Innovation Credit Union | 4.49% | 4.49% | — | | Tangerine | 4.49% | 4.49% | — | | DUCA | 4.59% | — | — | | CMLS | 4.64% | 4.69% | — | | Kawartha Credit Union | 4.64% | 4.64% | — | | Equitable | 4.64% | — | — | | Pathwise Credit Union | 4.69% | 4.69% | 4.69% | | Kawartha Financial Services | 4.69% | 4.69% | — | | First Ontario | 4.79% | 4.79% | 4.79% | | National Bank | 4.79% | 4.79% | 4.79% | | RBC | 4.84% | 4.84% | 4.84% | | Caisse Alliance | 4.89% | 4.89% | 4.89% | | CIBC | 4.89% | 4.89% | 4.89% | | First National | 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 Rates — Ontario | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Frank Mortgage ⭐ | 3.94% | 4.04% | 4.04% | | Butler Mortgage | 3.99% | 4.09% | 4.09% | | Equitable Bank | 3.89% | 3.94% | — | | Joe Purewal | 3.99% | 4.14% | 4.14% | | nesto | 4.49% | 4.09% | 4.09% | | Alterna Savings | 4.14% | 4.44% | 4.44% | | True North Mortgage | 4.14% | — | — | | Equitable | 4.24% | — | — | | Kawartha Credit Union | 4.24% | 4.69% | — | | Northern Credit Union | 4.29% | 4.59% | — | | Kawartha Financial Services | 4.29% | 4.74% | — | | Kindred Credit Union | 4.29% | 4.75% | — | | Laurentian | 4.29% | 4.79% | — | | Libro Credit Union | 4.29% | 4.99% | — | | DUCA | 4.29% | — | — | | CMLS | 4.34% | 4.99% | — | | WFCU | 4.37% | 4.56% | — | | Pathwise Credit Union | 4.39% | 4.69% | 4.69% | | Manulife | 4.39% | 4.69% | 4.69% | | Meridian | 4.39% | 4.64% | — | | Investors Group | 4.49% | 4.79% | — | | Innovation Credit Union | 4.39% | 5.79% | — | | First National | 4.49% | 4.54% | 4.54% | | Desjardins | 4.49% | 4.49% | — | | Tangerine | 4.49% | 4.49% | — | | IG Wealth Management | 4.49% | 4.84% | — | | Shinhan Bank | 4.49% | 4.49% | 4.49% | | CIBC | 4.59% | 4.94% | 4.94% | | Caisse Alliance | 4.59% | 4.94% | 4.94% | | National Bank | 4.69% | 4.84% | 4.84% | | BMO | 4.74% | 4.84% | 4.84% | | TD | 4.84% | 4.84% | 4.84% | | First Ontario | 4.84% | 4.84% | 4.84% | | RBC | 4.89% | 4.89% | 4.89% | | Simplii Financial | 4.94% | 4.94% | — | | Community Trust | 5.59% | 5.59% | 5.59% | ### 6-Year Fixed Rates — Ontario | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Joe Purewal ⭐ | 4.54% | 4.69% | 4.69% | | Laurentian | 6.69% | 6.69% | — | | CMLS | 7.04% | — | — | ### 7-Year Fixed Rates — Ontario | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Joe Purewal ⭐ | 4.54% | 4.69% | 4.69% | | Innovation Credit Union | 4.91% | 4.91% | — | | RBC | 5.00% | 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 | 5.74% | 5.74% | 5.74% | | Libro Credit Union | 6.14% | 6.14% | — | | nesto | 6.19% | 6.19% | — | | Investors Group | 6.40% | 6.40% | — | | Manulife | 6.35% | 6.35% | 6.35% | | IG Wealth Management | 6.40% | 6.40% | — | | Laurentian | 6.69% | 6.69% | — | | WFCU | 7.10% | 7.10% | — | | CMLS | 7.69% | — | — | ### 8-Year Fixed Rates — Ontario | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Laurentian ⭐ | 7.14% | 7.14% | — | ### 9-Year Fixed Rates — Ontario | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Laurentian ⭐ | 7.14% | 7.14% | — | ### 10-Year Fixed Rates — Ontario | 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 | 5.94% | 5.94% | 5.94% | | 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 | 7.74% | 7.74% | — | | CMLS | 7.79% | — | — | ### 3-Year Variable Rates — Ontario | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Frank Mortgage ⭐ | 3.55% | 4.00% | 4.00% | | nesto | 3.60% | 3.60% | — | | CIBC | 4.05% | 4.05% | 4.05% | | Kawartha Financial Services | 4.15% | 4.15% | 4.15% | | Kawartha Credit Union | 4.15% | 4.15% | 4.15% | | DUCA | 4.15% | — | — | | Shinhan Bank | 4.15% | 4.15% | 4.15% | | Alterna Savings | 4.25% | 4.25% | 4.25% | | Laurentian | 4.45% | — | — | | CMLS | 4.75% | — | — | ### 5-Year Variable Rates — Ontario | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Butler Mortgage ⭐ | 3.35% | 3.40% | 3.40% | | Frank Mortgage | 3.35% | 3.40% | 3.40% | | Joe Purewal | 3.40% | 3.70% | 3.70% | | nesto | 3.80% | 3.45% | 3.45% | | True North Mortgage | 3.49% | — | — | | First Ontario | 3.55% | 4.05% | 4.05% | | Meridian | 3.59% | 3.79% | — | | Equitable | 3.60% | — | — | | Alterna Savings | 3.70% | 4.15% | 4.15% | | First National | 3.70% | 3.95% | 3.95% | | Investors Group | 3.75% | 4.09% | — | | IG Wealth Management | 3.75% | 4.09% | — | | DUCA | 3.90% | — | — | | RBC | 3.95% | 3.95% | 3.95% | | CIBC | 3.95% | 4.10% | 4.10% | | Shinhan Bank | 3.95% | 3.95% | 3.95% | | Tangerine | 4.00% | 4.00% | — | | Laurentian | 4.05% | — | — | | 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% | — | | 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% | | Manulife | 4.45% | 4.45% | — | | Kindred Credit Union | 4.45% | 4.45% | — | | CMLS | 4.65% | — | — | ## Mortgage Rates — New Brunswick (NB) ### 6-Month Fixed Rates — New Brunswick | 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 Rates — New Brunswick | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | True North Mortgage ⭐ | 4.29% | — | — | | 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% | 4.89% | | Community Trust | 4.99% | 4.99% | 4.99% | | First National | 5.14% | 5.14% | 5.14% | | CMLS | 5.24% | 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 Rates — New Brunswick | 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 | 4.64% | 4.44% | — | | nesto | 4.64% | 5.91% | — | | First National | 4.74% | 4.74% | 4.74% | | RBC | 4.79% | 4.79% | 4.79% | | UNI | 4.79% | 4.79% | 4.79% | | National Bank | 4.84% | 4.84% | 4.84% | | 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 Rates — New Brunswick | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | True North Mortgage ⭐ | 3.94% | — | — | | Frank Mortgage | 3.99% | 4.19% | 4.19% | | nesto | 4.14% | 4.14% | 4.14% | | Investors Group | 4.34% | 4.79% | 4.79% | | Innovation Credit Union | 4.29% | 4.29% | — | | IG Wealth Management | 4.34% | 4.79% | 4.79% | | Tangerine | 4.44% | 4.44% | — | | RBC | 4.49% | 4.49% | 4.49% | | CMLS | 4.49% | 4.89% | — | | 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% | | Equitable | 4.64% | — | — | | CIBC | 4.74% | 4.74% | 4.74% | | Simplii Financial | 4.74% | 4.74% | — | | First National | 4.94% | 4.94% | 4.94% | | Manulife | 4.99% | 4.99% | 4.99% | | Community Trust | 5.55% | 5.55% | 5.55% | | Laurentian | 6.09% | 6.09% | — | ### 4-Year Fixed Rates — New Brunswick | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | True North Mortgage ⭐ | 4.14% | — | — | | Frank Mortgage | 4.19% | 4.19% | 4.19% | | nesto | 4.29% | 4.47% | 4.47% | | Desjardins | 4.39% | 4.39% | — | | Innovation Credit Union | 4.49% | 4.49% | — | | Tangerine | 4.49% | 4.49% | — | | UNI | 4.49% | 4.49% | 4.49% | | CMLS | 4.64% | 4.69% | — | | Equitable | 4.64% | — | — | | National Bank | 4.79% | 4.79% | 4.79% | | RBC | 4.84% | 4.84% | 4.84% | | CIBC | 4.89% | 4.89% | 4.89% | | First National | 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 Rates — New Brunswick | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Frank Mortgage ⭐ | 4.04% | 4.04% | 4.04% | | nesto | 4.49% | 4.09% | 4.09% | | True North Mortgage | 4.14% | — | — | | Equitable | 4.24% | — | — | | Laurentian | 4.29% | 4.79% | — | | CMLS | 4.34% | 4.99% | — | | Manulife | 4.39% | 4.69% | 4.69% | | Innovation Credit Union | 4.39% | 5.79% | — | | UNI | 4.49% | 4.84% | 4.84% | | Desjardins | 4.49% | 4.49% | — | | First National | 4.49% | 4.54% | 4.54% | | Investors Group | 4.49% | 4.79% | — | | Tangerine | 4.49% | 4.49% | — | | IG Wealth Management | 4.49% | 4.84% | — | | CIBC | 4.59% | 4.94% | 4.94% | | 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% | 4.89% | | Simplii Financial | 4.94% | 4.94% | — | | Community Trust | 5.59% | 5.59% | 5.59% | ### 6-Year Fixed Rates — New Brunswick | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Laurentian ⭐ | 6.69% | 6.69% | — | | CMLS | 7.04% | — | — | ### 7-Year Fixed Rates — New Brunswick | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Innovation Credit Union ⭐ | 4.91% | 4.91% | — | | RBC | 5.00% | 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 | 6.19% | 6.19% | — | | 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 | 7.69% | — | — | ### 8-Year Fixed Rates — New Brunswick | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Laurentian ⭐ | 7.14% | 7.14% | — | ### 9-Year Fixed Rates — New Brunswick | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Laurentian ⭐ | 7.14% | 7.14% | — | ### 10-Year Fixed Rates — New Brunswick | 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 | 7.74% | 7.74% | — | | CMLS | 7.79% | — | — | ### 3-Year Variable Rates — New Brunswick | 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 Rates — New Brunswick | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Frank Mortgage ⭐ | 3.35% | 3.40% | 3.40% | | nesto | 3.80% | 3.45% | 3.45% | | True North Mortgage | 3.49% | — | — | | Equitable | 3.60% | — | — | | First National | 3.70% | 3.95% | 3.95% | | Investors Group | 3.75% | 4.09% | — | | IG Wealth Management | 3.75% | 4.09% | — | | RBC | 3.95% | 3.95% | 3.95% | | CIBC | 3.95% | 4.10% | 4.10% | | Tangerine | 4.00% | 4.00% | — | | Laurentian | 4.05% | — | — | | National Bank | 4.10% | 4.10% | 4.10% | | BMO | 4.10% | 4.10% | 4.10% | | Desjardins | 4.10% | 4.10% | — | | Simplii Financial | 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% | — | — | ## Mortgage Rates — Prince Edward Island (PE) ### 6-Month Fixed Rates — Prince Edward Island | 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 Rates — Prince Edward Island | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | True North Mortgage ⭐ | 4.29% | — | — | | 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% | 4.89% | | Community Trust | 4.99% | 4.99% | 4.99% | | First National | 5.14% | 5.14% | 5.14% | | CMLS | 5.24% | 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 Rates — Prince Edward Island | 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 | 4.64% | 4.44% | — | | nesto | 4.64% | 5.91% | — | | First National | 4.74% | 4.74% | 4.74% | | RBC | 4.79% | 4.79% | 4.79% | | National Bank | 4.84% | 4.84% | 4.84% | | 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 Rates — Prince Edward Island | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | True North Mortgage ⭐ | 3.94% | — | — | | Frank Mortgage | 3.99% | 4.19% | 4.19% | | nesto | 4.14% | 4.14% | 4.14% | | Investors Group | 4.34% | 4.79% | 4.79% | | Innovation Credit Union | 4.29% | 4.29% | — | | IG Wealth Management | 4.34% | 4.79% | 4.79% | | Tangerine | 4.44% | 4.44% | — | | RBC | 4.49% | 4.49% | 4.49% | | CMLS | 4.49% | 4.89% | — | | National Bank | 4.64% | 4.64% | 4.64% | | TD | 4.64% | 4.64% | 4.64% | | BMO | 4.64% | 4.64% | 4.64% | | Equitable | 4.64% | — | — | | CIBC | 4.74% | 4.74% | 4.74% | | Simplii Financial | 4.74% | 4.74% | — | | First National | 4.94% | 4.94% | 4.94% | | Manulife | 4.99% | 4.99% | 4.99% | | Community Trust | 5.55% | 5.55% | 5.55% | | Laurentian | 6.09% | 6.09% | — | ### 4-Year Fixed Rates — Prince Edward Island | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | True North Mortgage ⭐ | 4.14% | — | — | | Frank Mortgage | 4.19% | 4.19% | 4.19% | | nesto | 4.29% | 4.47% | 4.47% | | Desjardins | 4.39% | 4.39% | — | | Innovation Credit Union | 4.49% | 4.49% | — | | Tangerine | 4.49% | 4.49% | — | | CMLS | 4.64% | 4.69% | — | | Equitable | 4.64% | — | — | | National Bank | 4.79% | 4.79% | 4.79% | | RBC | 4.84% | 4.84% | 4.84% | | CIBC | 4.89% | 4.89% | 4.89% | | First National | 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 Rates — Prince Edward Island | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Frank Mortgage ⭐ | 4.04% | 4.04% | 4.04% | | nesto | 4.49% | 4.09% | 4.09% | | True North Mortgage | 4.14% | — | — | | Equitable | 4.24% | — | — | | Laurentian | 4.29% | 4.79% | — | | CMLS | 4.34% | 4.99% | — | | Manulife | 4.39% | 4.69% | 4.69% | | Desjardins | 4.49% | 4.49% | — | | Innovation Credit Union | 4.39% | 5.79% | — | | First National | 4.49% | 4.54% | 4.54% | | Investors Group | 4.49% | 4.79% | — | | Tangerine | 4.49% | 4.49% | — | | IG Wealth Management | 4.49% | 4.84% | — | | CIBC | 4.59% | 4.94% | 4.94% | | 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% | 4.89% | | Simplii Financial | 4.94% | 4.94% | — | | Community Trust | 5.59% | 5.59% | 5.59% | ### 6-Year Fixed Rates — Prince Edward Island | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Laurentian ⭐ | 6.69% | 6.69% | — | | CMLS | 7.04% | — | — | ### 7-Year Fixed Rates — Prince Edward Island | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Innovation Credit Union ⭐ | 4.91% | 4.91% | — | | RBC | 5.00% | 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 | 6.19% | 6.19% | — | | 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 | 7.69% | — | — | ### 8-Year Fixed Rates — Prince Edward Island | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Laurentian ⭐ | 7.14% | 7.14% | — | ### 9-Year Fixed Rates — Prince Edward Island | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Laurentian ⭐ | 7.14% | 7.14% | — | ### 10-Year Fixed Rates — Prince Edward Island | 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 | 7.74% | 7.74% | — | | CMLS | 7.79% | — | — | ### 3-Year Variable Rates — Prince Edward Island | 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 Rates — Prince Edward Island | Lender | Insured | Insurable | Uninsurable | |--------|---------|-----------|-------------| | Frank Mortgage ⭐ | 3.35% | 3.40% | 3.40% | | nesto | 3.80% | 3.45% | 3.45% | | True North Mortgage | 3.49% | — | — | | Equitable | 3.60% | — | — | | First National | 3.70% | 3.95% | 3.95% | | Investors Group | 3.75% | 4.09% | — | | IG Wealth Management | 3.75% | 4.09% | — | | RBC | 3.95% | 3.95% | 3.95% | | CIBC | 3.95% | 4.10% | 4.10% | | Tangerine | 4.00% | 4.00% | — | | Laurentian | 4.05% | — | — | | 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% | — | | TD | 4.24% | 4.24% | 4.24% | | Innovation Credit Union | 4.35% | 6.00% | — | | Manulife | 4.45% | 4.45% | — | | CMLS | 4.65% | — | — | ## Lender Profiles - [ATB](/lenders/atb/) — Bank - [Access Credit Union](/lenders/access-credit-union/) — Bank - [Affinity Credit Union](/lenders/affinity-credit-union/) — Bank - [Alterna Savings](/lenders/alterna-savings/) — Bank - [Assiniboine Credit Union](/lenders/assiniboine-credit-union/) — Bank - [BMO](/lenders/bmo/) — Bank - [Beem Credit Union](/lenders/beem-credit-union/) — Bank - [Bridgewater Bank](/lenders/bridgewater-bank/) — Bank - [Butler Mortgage](/lenders/butler-mortgage/) — Bank - [CIBC](/lenders/cibc/) — Bank - [CMLS](/lenders/cmls/) — Bank - [Caisse Alliance](/lenders/caisse-alliance/) — Bank - [Cambrian Credit Union](/lenders/cambrian-credit-union/) — Bank - [Coast Capital](/lenders/coast-capital/) — Bank - [Coastal Community Credit Union](/lenders/coastal-community-credit-union/) — Bank - [Community Trust](/lenders/community-trust/) — Bank - [Conexus Credit Union](/lenders/conexus-credit-union/) — Bank - [DUCA](/lenders/duca/) — Bank - [Desjardins](/lenders/desjardins/) — Bank - [Equitable](/lenders/equitable/) — Bank - [Everyrate](/lenders/everyrate/) — Bank - [First National](/lenders/first-national/) — Bank - [First Ontario](/lenders/first-ontario/) — Bank - [Frank Mortgage](/lenders/frank-mortgage/) — Bank - [IG Wealth Management](/lenders/ig-wealth-management/) — Bank - [Innovation Credit Union](/lenders/innovation-credit-union/) — Bank - [Investors Group](/lenders/investors-group/) — Bank - [Joe Purewal](/lenders/joe-purewal/) — Bank - [Kawartha Credit Union](/lenders/kawartha-credit-union/) — Bank - [Kawartha Financial Services](/lenders/kawartha-financial-services/) — Bank - [Kindred Credit Union](/lenders/kindred-credit-union/) — Bank - [Laurentian](/lenders/laurentian/) — Bank - [Libro Credit Union](/lenders/libro-credit-union/) — Bank - [Manulife](/lenders/manulife/) — Bank - [Meridian](/lenders/meridian/) — Bank - [National Bank](/lenders/national-bank/) — Bank - [Northern Credit Union](/lenders/northern-credit-union/) — Bank - [Pathwise Credit Union](/lenders/pathwise-credit-union/) — Bank - [Peoples Bank](/lenders/peoples-bank/) — Bank - [Prospera](/lenders/prospera/) — Bank - [Prosperity Credit Union](/lenders/prosperity-credit-union/) — Bank - [RBC](/lenders/rbc/) — Bank - [Servus Credit Union](/lenders/servus-credit-union/) — Bank - [Shinhan Bank](/lenders/shinhan-bank/) — Bank - [Simplii Financial](/lenders/simplii-financial/) — Bank - [Steinbach Credit Union](/lenders/steinbach-credit-union/) — Bank - [TD](/lenders/td/) — Bank - [Tangerine](/lenders/tangerine/) — Bank - [Tru Cooperative Bank](/lenders/tru-cooperative-bank/) — Bank - [True North Mortgage](/lenders/true-north-mortgage/) — Bank - [UNI](/lenders/uni/) — Bank - [Vision Credit Union](/lenders/vision-credit-union/) — Bank - [WFCU](/lenders/wfcu/) — Bank - [nesto](/lenders/nesto/) — Bank ## Calculators API (Machine-Readable) Mortgages Lab provides free financial calculators accessible via JSON API. AI agents can send mortgage data and receive structured results — no scraping needed. ### API Endpoints - **Discovery**: `GET /api/calculators` — Lists all calculators with input/output schemas - **Calculator Schema**: `GET /api/calculate/{calculator-id}` — Detailed schema for one calculator - **Run Calculation**: `POST /api/calculate/{calculator-id}` — Execute with JSON body, get JSON result ### Available Calculators | Calculator | ID | Example Input | |------------|----|---------------| | CMHC Insurance | `cmhc-insurance` | `{"homePrice": 700000, "insuredRate": 4.29, "uninsuredRate": 4.64}` | | Cost of Borrowing | `cost-of-borrowing` | `{"principal": 500000, "annualRate": 4.5, "amortizationYears": 25}` | | IRD Penalty | `ird-penalty` | `{"balance": 500000, "contractRate": 5.09, "currentRate": 3.99, "termYears": 5, "monthsLeft": 36}` | | Spousal Buyout | `spousal-buyout` | `{"homeValue": 700000, "mortgageBalance": 400000, "exEquityPercent": 50, "debtsToConsolidate": 25000, "rate": 4.89, "amortizationYears": 25}` | | Renewal Shock | `renewal-shock` | `{"balance": 400000, "oldRate": 1.89, "newRate": 4.29, "remainingAmort": 20}` | | Skip Payment | `skip-payment` | `{"balance": 400000, "rate": 4.79, "remainingAmort": 22, "skippedMonths": 3}` | | Land + Build Affordability | `land-home-build-affordability` | `{"landCost": 60000, "homeCost": 120000, "servicingCost": 20000, "downPayment": 10000, "annualRate": 4.5, "amortizationYears": 30, "comparisonHomePrice": 600000}` | | Secondary Suite Refinance | `secondary-suite-refinance` | `{"homeValue": 600000, "mortgageBalance": 470000, "renoCost": 175000, "annualRate": 4.5, "amortizationYears": "30", "mhrtcEligible": true}` | | GST Rebate Mortgage Impact | `gst-rebate-mortgage-impact` | `{"purchasePrice": 700000, "gstRebateAmount": 35000, "rebateAssignedToBuilder": true, "downPaymentAmount": 66500, "annualRate": 4.5, "amortizationYears": "30", "isFirstTimeBuyer": true}` | | Refinance Headroom | `refinance-headroom` | `{"homeValue": 800000, "mortgageBalance": 560000, "grossAnnualIncome": 150000, "monthlyDebts": 700, "annualPropertyTax": 5200, "monthlyHeat": 150, "rate": 4.49, "amortizationYears": 25, "goal": "cash-out", "renoCost": 0}` | ### Response Format All responses include: `calculator`, `inputs`, `result`, `source`, `sourceUrl`, `disclaimer`, `calculatedAt`. All math uses Canadian semi-annual compounding per the Bank Act. ## Additional Resources - [Mortgage Rates Canada](/mortgage-rates/) - [Ontario 5-Year Fixed Rates](/mortgage-rates/ontario/5-year-fixed/) - [BC 5-Year Fixed Rates](/mortgage-rates/british-columbia/5-year-fixed/) - [Alberta 5-Year Fixed Rates](/mortgage-rates/alberta/5-year-fixed/) - [Calculators Hub](/calculators/) — All calculators with interactive UI - [Payoff Lab — Cost of Credit Calculator](/calculators/payoff-lab/) - [From Debt to Zero — Book](/from-debt-to-zero-book/) — Camilo Rodriguez's guide to erasing your mortgage and reducing your cost of credit - [Tax Optimization](/tax-optimization/) — CRA-approved strategies: Cash Damming, Smith Maneuver - [About Camilo Rodriguez](/camilo-rodriguez/) — Licensed mortgage broker, author, 23+ years in Canadian real estate finance ## Learning Hub ### 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. ## Extended Context - [Full LLM Context](/llms-full.txt) — Canadian mortgage math, CMHC rules, LTT schedules, historical trends --- *Generated by Mortgages Lab on August 16, 2026. Rates subject to change without notice.*