BCCompare today's lowest mortgage rates from top British Columbia lenders. Select a term below for full rate tables, calculators & expert analysis.
Select a term to see full rate tables, calculators & expert analysis
From 3.64%
6 lenders compared
From 4.64%
18 lenders compared
From 4.49%
20 lenders compared
From 4.34%
24 lenders compared
From 4.44%
19 lenders compared
From 4.34%
23 lenders compared
From 4.89%
3 lenders compared
From 4.99%
14 lenders compared
From 4.89%
2 lenders compared
From 5.09%
2 lenders compared
From 5.24%
12 lenders compared
From 3.55%
6 lenders compared
From 3.4%
22 lenders compared
Best 5-Year Fixed Rate in British Columbia
4.34%
From
Beem Credit Union
Rate Term
5-Year Fixed rates from top British Columbia lenders, by mortgage type.
| Lender | InsuredDown payment < 20% | InsurableHome < $1M & amort ≤ 25-yr | UninsurableRefinance or DP ≥ 20% | Action |
|---|---|---|---|---|
Beem Credit Union 5-Year Fixed | 4.34%$3,268/mo | 4.69%$3,385/mo | — | Get This Rate |
Everyrate 5-Year Fixed | 4.39%$3,284/mo | 4.39%$3,284/mo | 4.39%$3,284/mo | Get This Rate |
Coast Capital 5-Year Fixed | 4.49%$3,318/mo | 4.84%$3,435/mo | 4.84%$3,435/mo | Get This Rate |
CMLS 5-Year Fixed | 4.49%$3,318/mo | 5.44%$3,641/mo | — | Get This Rate |
Butler Mortgage 5-Year Fixed | 4.54%$3,334/mo | 4.59%$3,351/mo | 4.59%$3,351/mo | Get This Rate |
Tru Cooperative Bank 5-Year Fixed | 4.59%$3,351/mo | 4.74%$3,401/mo | — | Get This Rate |
National Bank 5-Year Fixed | 4.69%$3,385/mo | 5.14%$3,538/mo | 5.14%$3,538/mo | Get This Rate |
Laurentian 5-Year Fixed | 4.69%$3,385/mo | 5.19%$3,555/mo | — | Get This Rate |
Coastal Community Credit Union 5-Year Fixed | 4.74%$3,401/mo | 4.69%$3,385/mo | 4.69%$3,385/mo | Get This Rate |
Peoples Bank 5-Year Fixed | 4.74%$3,401/mo | 4.74%$3,401/mo | — | Get This Rate |
Shinhan Bank 5-Year Fixed | 4.74%$3,401/mo | 4.74%$3,401/mo | 4.74%$3,401/mo | Get This Rate |
Innovation Credit Union 5-Year Fixed | 4.79%$3,418/mo | 4.79%$3,418/mo | — | Get This Rate |
IG Wealth Management 5-Year Fixed | 4.89%$3,452/mo | 5.29%$3,589/mo | 5.29%$3,589/mo | Get This Rate |
Manulife 5-Year Fixed | 4.89%$3,452/mo | 5.04%$3,503/mo | 5.04%$3,503/mo | Get This Rate |
Equitable 5-Year Fixed | 4.89%$3,452/mo | — | — | Get This Rate |
BMO 5-Year Fixed | 4.99%$3,486/mo | 5.14%$3,538/mo | 5.14%$3,538/mo | Get This Rate |
CIBC 5-Year Fixed | 4.99%$3,486/mo | 5.34%$3,607/mo | 5.34%$3,607/mo | Get This Rate |
First National 5-Year Fixed | 4.99%$3,486/mo | 5.04%$3,503/mo | 5.04%$3,503/mo | Get This Rate |
RBC 5-Year Fixed | 5.14%$3,538/mo | 5.14%$3,538/mo | 5.14%$3,538/mo | Get This Rate |
Tangerine 5-Year Fixed | 5.19%$3,555/mo | 5.19%$3,555/mo | — | Get This Rate |
Simplii Financial 5-Year Fixed | 5.34%$3,607/mo | 5.34%$3,607/mo | — | Get This Rate |
TD 5-Year Fixed | 5.39%$3,624/mo | 5.39%$3,624/mo | 5.39%$3,624/mo | Get This Rate |
Community Trust 5-Year Fixed | 5.69%$3,729/mo | 5.69%$3,729/mo | 5.69%$3,729/mo | Get This Rate |
Mortgage rates in British Columbia are influenced by the Bank of Canada's overnight rate, provincial lending regulations, and lender competition. Insured rates require CMHC insurance (under 20% down), insurable rates apply to properties under $1M with 20%+ down, and uninsurable rates cover refinances and higher-value properties. All rates shown are sourced from verified broker data and updated daily. Use our Payoff Lab to see how your rate choice affects your total cost of credit.
