Canadian mortgage rates
Find a mortgage
that fits.
Start with your numbers. Compare lender rates and monthly payments, then look closer at the options you like.
Pragmatic rate snapshot
What changes with the mortgage type?
5-year fixed advertised offers available in BC. Compare the lowest APR with the median of each lender’s lowest APR in our catalogue. These are different eligibility categories, before matching your income, property and mortgage amounts.
| Mortgage type | Lowest APR | Median lender APR | Lenders |
|---|---|---|---|
| Insured purchase | No current offer | — | 0 |
| Insurable purchase | No current offer | — | 0 |
| Uninsured purchase | No current offer | — | 0 |
| Renewal / transfer | No current offer | — | 0 |
| Refinance | No current offer | — | 0 |
Sources, conditions and how to use this snapshot
The median gives each lender one observation: its lowest advertised APR in that category. It is not a funded-loan average, a whole-market survey or a personalized quote. Products can differ in LTV, credit, amortization, fees and restrictions. Categories can overlap, especially on renewal. APR uses a lender-supplied figure when available; otherwise it assumes the advertised interest rate. Default-insurance premiums and switching costs still need comparing.
- Insured purchase: 0 offers from 0 lenders. All offers and full conditions
- Insurable purchase: 0 offers from 0 lenders. All offers and full conditions
- Uninsured purchase: 0 offers from 0 lenders. All offers and full conditions
- Renewal / transfer: 0 offers from 0 lenders. All offers and full conditions
- Refinance: 0 offers from 0 lenders. All offers and full conditions
Snapshot assembled . Each offer keeps its own source-check date and expiry. Assembly does not renew lender evidence.
Buying · $750,000 home · $150,000 down
BC · 5-year term · fixed & variable · 25-year amortization · Live in the home
Matching mortgage rates.
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How your rates stay current
Supported public lender sources are checked once daily at 6 a.m. Vancouver time. Each offer shows when its source was checked. Your matches refresh while this page is open.
Expired promotions and rates without recent verification are removed automatically. A lender’s rate hold is separate from a promotion deadline. Promotional badges identify special rates; broker cashback estimates appear separately.
Choose your property, down payment, province and amortization to see matching products, then compare up to three for payment, interest and balance. Confirm fees, prepayment privileges, penalties and any funding deadline with your broker.
A little guidance goes a long way.
We’ll help you weigh the rate, flexibility and costs. Brokerage services are available for BC properties.
Find rates by lender
Explore each lender’s rate examples, terms and conditions. For a comparison based on your own numbers, use the rate shopper.
- RMG Mortgages
Displayed rates are subject to eligibility and lender approval. Check the rate’s conditions and effective date before relying on it.
Explore rates by mortgage type
What matters beyond the rate?
Eligibility. Your down payment, home use, insurance and amortization need to match the lender’s conditions.
Flexibility. Compare prepayments, portability and the cost of breaking the mortgage if your plans change.
Complete cost. Include fees, switching costs and payment comfort alongside the interest rate.
Learn about mortgage terms
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?
Supported public sources are checked once daily. Each offer shows its source check and freshness deadline; lenders can change pricing between checks. Final approval depends on the property, documentation, occupancy, insurance status, and lender policy at 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
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.