Compare today's lowest 7-year fixed mortgage rates from British Columbia's top lenders. Updated daily with verified broker data.
As of March 20, 2026, the best 7-year fixed rate in British Columbia is 4.75% from Prospera. This rate applies to a conventional mortgage with 20%+ down payment and a 25-year amortization.
7-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 |
|---|---|---|---|---|
Prospera 7-Year Fixed | 4.75%$3,405/mo | 4.75%$3,405/mo | — | Secure Rate |
Coast Capital 7-Year Fixed | 4.79%$3,418/mo | 4.79%$3,418/mo | 4.79%$3,418/mo | Secure Rate |
First National 7-Year Fixed | 4.89%$3,452/mo | 4.89%$3,452/mo | 4.89%$3,452/mo | Secure Rate |
RBC 7-Year Fixed | 5%$3,490/mo | 5%$3,490/mo | 5%$3,490/mo | Secure Rate |
CIBC 7-Year Fixed | 5.11%$3,527/mo | 5.11%$3,527/mo | 5.11%$3,527/mo | Secure Rate |
National Bank 7-Year Fixed | 5.26%$3,579/mo | 5.26%$3,579/mo | 5.26%$3,579/mo | Secure Rate |
Tangerine 7-Year Fixed | 5.5%$3,662/mo | 5.5%$3,662/mo | — | Secure Rate |
Manulife 7-Year Fixed | 6.35%$3,965/mo | 6.35%$3,965/mo | 6.35%$3,965/mo | Secure Rate |
Investors Group 7-Year Fixed | 6.4%$3,983/mo | 6.4%$3,983/mo | — | Secure Rate |
Laurentian 7-Year Fixed | 6.69%$4,088/mo | 6.69%$4,088/mo | — | Secure Rate |
CMLS 7-Year Fixed | 7.39%$4,348/mo | — | — | Secure Rate |
You found your rate. Now see what it actually costs.
At 4.75% over 25 years, you'll pay $426,211 in total interest on a $600,000 mortgage.
Canadian rules applied — CMHC insurance, LTT, and payment frequency calculated in real time.
Monthly Payment
$3,421
/month
Mortgage
$600,000
Total Interest
$426,211
Total Cost
$1,026,211
● Payoff Lab users pay the same monthly — but finish 5 years earlier. See how →
Common questions about British Columbia mortgage rates, answered by licensed brokers.
Founder of Mortgages Lab & Mortgage Expert
Camilo Rodriguez is the Founder of Mortgages Lab, a licensed mortgage broker with over 20 years of experience helping Canadians achieve financial freedom. He has trained 100+ mortgage agents across Canada, served as a former Mortgage Manager for TD Canada Trust, and was Past President of the Canadian Mortgage Broker Association – BC. He is the author of "From Debt to Zero," a guide to becoming mortgage free.
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This page contains informational content only and does not constitute financial advice. Mortgage rates shown are sourced from publicly available lender data and may change without notice. Always verify rates directly with the lender. Mortgages Lab may receive compensation from partner lenders, which does not influence our editorial content or rate rankings. Built on Real Experience — 20+ years of working with real mortgage scenarios and helping Canadians achieve financial freedom.
