Compare 5-year fixed mortgage rates across insured, insurable, and uninsured scenarios with lender notes, penalties, and payment-stability context.
Pragmatic rate snapshot
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 |
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.
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 · 25-year amortization · Live in the home
0 of 0 matching rates
Try another term or rate type, or let a broker review your situation.
Talk to a brokerSupported 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.
We’ll help you weigh the rate, flexibility and costs. Brokerage services are available for BC properties.
Explore each lender’s rate examples, terms and conditions. For a comparison based on your own numbers, use the rate shopper.
Compare the same balance, term, amortization and insurance category. Displayed rates depend on eligibility and lender approval.
Sign in to save your comparison →Make a fair comparison
A 5-year fixed mortgage keeps the contract rate and scheduled payment stable for five years. The longer certainty can simplify budgeting, but it also increases the chance that a sale, move, or refinance happens before maturity. Compare penalty formulas and portability alongside insured, insurable, or uninsured pricing.
Five-year fixed terms are the most common in Canada. They offer stability for longer planning horizons.
A five-year fixed mortgage removes scheduled rate changes for a long planning window. That can suit stable households that value a predictable payment and expect to keep the property and mortgage structure through maturity.
The rate should be compared across the same insurance, amortization, occupancy, and transaction type. A headline insured purchase rate is not a valid quote for every five-year fixed borrower.
Estimate the probability of selling, moving provinces, refinancing, separating, or needing equity before year five. Then compare the lender's IRD method, portability window, blend policy, and prepayment privileges.
If the exit risk is meaningful, compare the total expected cost of a three-year fixed term rather than assuming the longer term's lower starting rate wins.
Clear answers
Yes. Many borrowers prefer its balance of rate stability and term length.
They vary by lender. Review privileges and penalties before locking in.
Use the regulator and consumer-agency guidance alongside the written terms of your lender’s offer.
Pragmatic Mortgage Lending · BC
We’ll review lender eligibility, penalties and flexibility alongside the payment.
