The whole Canadian rate table.
Every tracked lender, one grid. Filter to your exact scenario and sort by the column that matters. Refreshed on business days — no account, no email wall.
| Lender | Channel | Type | Term | Rate | |
|---|---|---|---|---|---|
NBNesto | Digital lender | Fixed | 5yr | 4.09% | Details → |
MCMCAP | Broker channel | Fixed | 5yr | 4.19% | Details → |
FNFirst National | Broker channel | Fixed | 5yr | 4.21% | Details → |
TDTD Bank | Big Six | Fixed | 5yr | 4.79% | Details → |
CBCIBC | Big Six | Fixed | 5yr | 4.81% | Details → |
RBRBC | Big Six | Fixed | 5yr | 4.84% | Details → |
BMBMO | Big Six | Fixed | 5yr | 4.87% | Details → |
SCScotiabank | Big Six | Fixed | 5yr | 4.89% | Details → |
NBNesto | Digital lender | Variable | 5yr | 4.95% | Details → |
MCMCAP | Broker channel | Variable | 5yr | 5.05% | Details → |
FNFirst National | Broker channel | Variable | 5yr | 5.07% | Details → |
TDTD Bank | Big Six | Variable | 5yr | 5.65% | Details → |
CBCIBC | Big Six | Variable | 5yr | 5.67% | Details → |
RBRBC | Big Six | Variable | 5yr | 5.70% | Details → |
BMBMO | Big Six | Variable | 5yr | 5.73% | Details → |
SCScotiabank | Big Six | Variable | 5yr | 5.75% | Details → |
Illustrative rates for well-qualified borrowers, shown for illustration only and not a live feed. Not an offer of credit and not a guarantee of eligibility. Your actual rate is set by the lender based on your application, credit, property, term and applicable regulations, and varies by province. Figures shown for comparison only — no “lowest rate” claim is made or implied.
Bank of Canada — official rates
Official rates from the Bank of Canada Valet feed. Each block below is a different kind of number: reference rates nobody is offered, the Bank’s estimate of what borrowers actually pay, and posted benchmarks that run above both.
Policy, prime & Government of Canada yields
Reference rates. Nobody is offered these — they are what other rates are priced off.
We show a live figure only when we can confirm its date and source. The feed is refreshing — check back shortly.
Treasury bill auction yields
The short end of the curve, published weekly at auction.
We show a live figure only when we can confirm its date and source. The feed is refreshing — check back shortly.
Estimated ACTUAL mortgage rates
The Bank’s statistical estimate of what borrowers actually transacted at, computed from lender returns. Closer to street rates than any posted figure, and not a quote from any single lender.
We show a live figure only when we can confirm its date and source. The feed is refreshing — check back shortly.
Posted (benchmark) mortgage & GIC rates
Benchmarks. Real offered (“street”) rates run below these.
We show a live figure only when we can confirm its date and source. The feed is refreshing — check back shortly.