Prospera
Insured
4.04%
5-year term
APR
Call for APR
Prospera advertised public mortgage rate; 5-Year Closed - Insured.
Canadian mortgage rates
A good rate.
An even better fit.
Review my optionsCompare lender options for your actual mortgage. Then weigh the rate against the fees, penalties and flexibility that shape what you will pay.
Live rate snapshot
Top matches for this scenario
Showing the first 8 cards from 21 matching rates for Purchase · 5-year fixed · $999,999 · $75,000 down.
Purchase5-year fixed$999,999$75,000 down
fixed
ATB Financial
Rate First
4.09%
5-year term
APR
Call for APR
Client Rates · Our featured offers · 5 Year High Ratio.
Beem Credit Union
Insured
4.14%
5-year term
APR
Call for APR
Beem public featured insured 5-year fixed closed mortgage rate.
BlueShore Financial
Insured
4.14%
5-year term
APR
Call for APR
Beem public featured insured 5-year fixed closed mortgage rate.
ATB Financial
Standard
4.19%
5-year term
APR
Call for APR
Client Rates · Our featured offers · 5 Year High Ratio.
Community Savings Credit Union
Insured
4.29%
5-year term
APR
4.29%
Community Savings posted insured mortgage rate; 5-Year, fixed.
Need more filters?
Launch the full rate explorer
Load the full comparison workspace when you want to change occupancy, term, amortization, or compare more cards side-by-side.
Displayed rates are subject to eligibility and lender approval. Check the rate’s conditions and effective date before relying on it.
Explore by mortgage type
Make the right comparison.
Most common term
5-year fixed
A strong starting point for borrowers prioritizing stability over rate volatility.
4.29%
See fixed rates →
ATB Financial
Rate First
Prime-linked option
5-year variable
Useful when you want a lower starting rate and can handle prime-driven changes.
3.60%
See variable rates →
Neo Financial
Uninsured – 25 yr
High-ratio purchase
Insured purchase
Scenario-based pricing for less than 20% down, where insurer eligibility matters.
4.04%
See insured rates →
Prospera
Insured
Conventional purchase
20% down purchase
A clearer view of conventional pricing when you have more equity or a larger down payment.
4.29%See uninsured rates →
ATB Financial
Rate First
Equity strategy
Refinance
Use this path when penalties, legal costs, and breakeven matter alongside the headline rate.
4.29%See refinance rates →
ATB Financial
Rate First
Maturity planning
Renewal
Compare before you sign the lender's first renewal offer and before you lose negotiating leverage.
4.29%See renewal rates →
ATB Financial
Rate First
Representative matching rates. These examples use different mortgage scenarios and are not interchangeable offers.
Rate is one part of the decision
Four questions before you choose.
And the fourth: would this payment still feel comfortable if your income or expenses changed?
Compare rates by term
Term-specific guides make the renewal horizon, rate risk, and penalty trade-offs easier to compare before you open the full lender field.
3-year fixed mortgage rates
A shorter fixed commitment with an earlier renewal decision and predictable payments during the term.
Open rate guide5-year fixed mortgage rates
Canada’s common fixed-rate benchmark, with broad lender choice and more break-cost exposure to compare.
Open rate guide5-year variable mortgage rates
Prime-linked pricing with payment or amortization risk, conversion rules, and trigger-rate planning.
Open rate guideClear answers
Before you decide
Are the rates live?
Yes. Public rate cards update as lenders publish new pricing, but final approval still depends on the property, documentation, occupancy, insurance status, and lender policy at the time of application.
What affects the rate I see?
Transaction type, down payment or equity, occupancy, amortization, term length, rate type, insurance status, and sometimes credit or documentation quality can all change pricing.
Is the lowest rate always the best mortgage?
Not always. Penalties, prepayment privileges, portability, turnaround speed, and lender fit can matter just as much as the headline rate.
Can I lock a rate before I choose a lender?
Usually you need an application and a lender selection to secure a formal rate hold. The public explorer helps you narrow the field before you start that step.
Should I compare renewal and refinance rates the same way?
No. Renewal shopping focuses on term fit, features, and switching options. Refinancing adds penalties, legal fees, equity strategy, and a breakeven calculation.
Pragmatic Mortgage Lending · BC & Alberta
Let’s find the mortgage behind the rate.
We’ll compare the offers you qualify for and explain the costs and trade-offs in plain language.