Toronto mortgage rates, in local numbers.
The same live lender rates, put next to what a Toronto purchase actually takes — benchmark price, minimum down, the city's second land transfer tax, and the income to qualify. Built on GTA data, refreshed regularly.
What a Toronto purchase looks like right now.
GTA benchmark and neighbourhood figures are illustrative, drawn from regional board data and refreshed periodically. Toronto buyers pay both the municipal and provincial land transfer tax. First-time-buyer rebates may reduce the amount. Figures for orientation only.
Featured 5-year fixed for Toronto.
| Lender | Type | Rate | Payment* | |
|---|---|---|---|---|
NBNestoDigital lender | 5yr fixed | 4.09% | $4,485 | Get rate → |
MCMCAPBroker channel | 5yr fixed | 4.19% | $4,533 | Get rate → |
FNFirst NationalBroker channel | 5yr var | 4.95% | $4,910 | Get rate → |
TDTD BankBig Six | 5yr fixed | 4.79% | $4,829 | Get rate → |
*Illustrative monthly payment on an $848,000 mortgage (benchmark price, 20% down), 25-yr amortization. Rates for well-qualified borrowers, refreshed on business days. Not an offer of credit; your rate is set by the lender.
Benchmark price across the GTA.
Neighbourhood benchmarks are illustrative regional composites, refreshed periodically. Actual prices vary by property type, street and condition.
Toronto rules, handled.
The double land transfer tax, the first-time rebate, the condo status certificate — a broker who works the GTA daily knows the local wrinkles and prices your file across the full lender panel.
- Toronto LTT & first-time rebate handled
- Condo & new-build financing experience