3-year fixed mortgage rates | Pragmatic Mortgage

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Transaction

Occupancy

Purchase price

Down payment

%

Amortization

25 yr30 yr

Term

Select one or more term lengths.

Rate type

Insured mortgage exceptions

Flag first-time buyers or new construction to unlock the insured 30-year amortization guidance.

First-time home buyer

Borrower qualifies under the current national definition.

Property is new construction

Applies to insured purchases of newly built homes.

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Meridian

3-year fixed

Rate

3.89%

APR 3.92%

High-ratio insured

Estimated total cost over 5 years:

$168,040

Standard

BlueShore Financial

3-year fixed

Rate

3.99%

APR 4.02%

High-ratio insured

Current estimated lender turnaround time: 5 business days

Estimated total cost over 5 years:

$172,449

Standard

Desjardins

3-year fixed

Rate

3.99%

APR 4.02%

High-ratio insured

Estimated total cost over 5 years:

$172,449

Standard ($1,000,000 and over)

Prospera

3-year fixed

Rate

3.99%

APR 4.02%

High-ratio insured

Estimated total cost over 5 years:

$172,449

Standard

MCAP

3-year fixed

Rate

4.09%

APR 4.12%

High-ratio insured

Estimated total cost over 5 years:

$176,862

Standard

MERIX - Trailer

3-year fixed

Rate

4.09%

APR 4.12%

High-ratio insured

Estimated total cost over 5 years:

$176,862

Standard - Special

Scotiabank

3-year fixed

Rate

4.09%

APR 4.12%

High-ratio insured

Estimated total cost over 5 years:

$176,862

Standard (Bundled Pricing)

B2B Bank

3-year fixed

Rate

4.14%

APR 4.17%

High-ratio insured

Estimated total cost over 5 years:

$179,069

Standard (**see notes for more details)

Envision Financial

3-year fixed

Rate

4.19%

APR 4.22%

High-ratio insured

Estimated total cost over 5 years:

$181,278

Standard - Insured

Island Savings

3-year fixed

Rate

4.19%

APR 4.22%

High-ratio insured

Estimated total cost over 5 years:

$181,278

Standard - Insured

Valley First

3-year fixed

Rate

4.19%

APR 4.22%

High-ratio insured

Current estimated lender turnaround time: 5 business days

Estimated total cost over 5 years:

$181,278

Standard - Insured

CMLS Financial

3-year fixed

Rate

4.24%

APR 4.27%

High-ratio insured

Estimated total cost over 5 years:

$183,488

Standard - Purchase

Community Savings Credit Union

3-year fixed

Rate

4.24%

APR 4.27%

High-ratio insured

Estimated total cost over 5 years:

$183,488

Standard (see note for 30 year amortization)

Radius Financial

3-year fixed

Rate

4.24%

APR 4.27%

High-ratio insured

Estimated total cost over 5 years:

$183,488

Standard

RFA

3-year fixed

Rate

4.24%

APR 4.27%

High-ratio insured

Estimated total cost over 5 years:

$183,488

Standard

Marathon Mortgage

3-year fixed

Rate

4.29%

APR 4.32%

High-ratio insured

Estimated total cost over 5 years:

$185,699

3 year Standard Rates (60 days)

Neo Financial

3-year fixed

Rate

4.34%

APR 4.37%

High-ratio insured

Estimated total cost over 5 years:

$187,911

Standard

TD Canada Trust

3-year fixed

Rate

4.34%

APR 4.37%

High-ratio insured

Estimated total cost over 5 years:

$187,911

Standard

MCAN Home - Precision Prime for Insured

3-year fixed

Rate

4.44%

APR 4.47%

High-ratio insured

Estimated total cost over 5 years:

$192,337

Standard

ATB Financial

3-year fixed

Rate

4.49%

APR 4.52%

High-ratio insured

Estimated total cost over 5 years:

$194,551

Standard

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APR (Annual Percentage Rate) is set by the lender and appears in their cost-of-borrowing disclosure. Pragmatic's effective rate and total-cost estimates include broker-paid rebates for comparison only and do not replace the lender's APR.