Buying? See every lender's rate before you see a branch.

Live purchase rates across 30+ Canadian lenders and broker channels — fixed and variable, insured and conventional. Set your scenario once and the whole market sorts itself by the number.

See today’s rates Full rate table

No email wallBroker-channel pricing

Quick payment estimateChange the inputs — the payment updates live

Home price

Down payment

Rate %

Amortization

Est. monthly payment$3,197

Insured est., 25-yr amort. Illustrative only.See today’s rates

Today's purchase rates

Featured 5-year rates, high-ratio insured.

Lender	Type	Rate
NBNestoDigital lender	5yr fixed	4.09%	Details →
MCMCAPBroker channel	5yr fixed	4.19%	Details →
TDTD BankBig Six	5yr fixed	4.79%	Details →
RBRBCBig Six	5yr fixed	4.84%	Details →
FNFirst NationalBroker channel	5yr var	4.95%	Details →

Illustrative rates for well-qualified borrowers on insured high-ratio mortgages, refreshed on business days. Not an offer of credit. Your rate depends on your application, credit and property, and is set by the lender. Figures shown for comparison only.

How a purchase works here

Rate first. Broker second. No forms in between.

Set your scenario

Price, down payment, city and whether you’re insured or conventional. Takes under a minute, no account.

Compare the market

The full lender panel sorts by rate for your exact case — Big Six, monolines and broker channels together.

A broker takes it from there

Like a rate? A licensed broker confirms eligibility and submits it — paid by the lender, not by you.

When you're ready to act

We publish the numbers. A licensed professional arranges the mortgage.

A pre-approval locks a rate hold while you shop and tells you the ceiling you can actually offer at. A licensed broker sets it up across the market so you're not tied to one bank's number.

See today’s rates How much can I afford?

What a licensed mortgage professional does

Rate hold up to 120 days while you shop
Full lender panel, one application
Straight talk on what you qualify for

Purchase questions

Buying a home, answered

How much down payment do I actually need?

In Canada the minimum is 5% on the first $500,000 and 10% on the portion above, up to $1.5M. Under 20% down means an insured (high-ratio) mortgage with default insurance. Our affordability tool shows the minimum for your price.

What’s the stress test and does it still apply?

Lenders qualify you at the higher of your contract rate plus 2% or the benchmark rate. It’s designed to check you could handle a payment increase. A broker can tell you the qualifying income for the home you’re eyeing.

Fixed or variable for a purchase?

Neither is universally better — it depends on your tolerance for payment changes and your view on where rates go. Our fixed-vs-variable guide runs the break-even math in plain terms.

Can a broker really beat my bank’s rate?

Often, yes — brokers access monoline and broker-channel lenders that don’t have branches and price aggressively. But not always; sometimes your bank’s relationship offer wins, and a good broker will tell you so.