5-year fixed mortgage rates

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Compare 5-year fixed mortgage rates across insured, insurable, and uninsured scenarios with lender notes, penalties, and payment-stability context.

Example scenario · make it yours

Buying · $750,000 home · $150,000 down

BC · 5-year term · fixed · 25-year amortization · Live in the home

A starting point

A few options to start.

3 of 36 matching rates · $600,000 financed · 25-year amortization

Lowest rate first

ATB Financial

5-year fixed

Uninsured mortgage

4.59%

Interest rate

Promotional rate

Public lender rate · Checked Oct 8, 2026, 6:08 a.m. Pacific

$3,351

Estimated / month

Compare

Rate details

Product: Rate First
Lender APR: Not supplied — confirm with lender
Rate hold: Confirm with lender
Freshness deadline: Oct 9, 2026, 6:08 p.m. Pacific
Catalog updated: 2026-10-09
Interest over this term: $128,616
Balance at term end: $527,560

Client Rates · Our featured offers · 5 Year Conventional.

Conventional / uninsured · Promotional

Rates disappear at their offer or freshness deadline. A rate hold starts with lender confirmation and does not extend a promotion. Confirm fees, prepayment privileges, portability and break penalties before choosing. Estimates assume the rate stays constant.

Review this option with a broker

ATB Financial

5-year fixed

Uninsured mortgage

4.69%

Interest rate

Public lender rate · Checked Oct 8, 2026, 6:08 a.m. Pacific

$3,385

Estimated / month

Compare

Rate details

Product: Standard
Lender APR: Not supplied — confirm with lender
Rate hold: Confirm with lender
Freshness deadline: Oct 9, 2026, 6:08 p.m. Pacific
Catalog updated: 2026-10-09
Interest over this term: $131,492
Balance at term end: $528,422

Client Rates · Our featured offers · 5 Year Conventional.

Conventional / uninsured

Review this option with a broker

BlueShore Financial

5-year fixed

Uninsured mortgage

4.69%

Interest rate

Public lender rate · Checked Oct 8, 2026, 6:08 a.m. Pacific

$3,385

Estimated / month

Compare

Rate details

Product: Uninsured – 25 yr
Lender APR: Not supplied — confirm with lender
Rate hold: Confirm with lender
Freshness deadline: Oct 9, 2026, 6:08 p.m. Pacific
Catalog updated: 2026-10-09
Interest over this term: $131,492
Balance at term end: $528,422

Beem public fixed closed mortgage rate; 5 year; Uninsured – 25 yr.

Conventional / uninsured

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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.

How these estimates work

Monthly payments include principal and interest; no new borrower-paid default-insurance premium is included. HELOC estimates show interest only on the full amount drawn.

Fixed rates use semi-annual compounding; variable rates use monthly compounding. Estimates assume constant rates and no extra payments. Fees, penalties, property tax, home insurance and closing costs are excluded. Confirm the product’s contract and lender APR.

Results are from Pragmatic’s published catalog, sorted by nominal rate; they are not whole-market coverage or an approval. Catalog update dates are shown in each rate’s details.

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A little guidance goes a long way.

We’ll help you weigh the rate, flexibility and costs. Brokerage services are available for BC properties.

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Find rates by lender

Open a lender to see verified fixed and variable reference rates, conditions and source checks. These examples cover different down payments and terms; use the shopper to check your own situation.

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Compare the same balance, term, amortization and insurance category. Displayed rates depend on eligibility and lender approval.

Make a fair comparison

Understand the rate you’re looking at.

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.

Term: Five years of fixed-rate payment stability
Best fit: Borrowers expecting a stable five-year housing plan
Main risk: Costly early exit if the mortgage cannot be ported

Five-year certainty is valuable only if the term fits

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.

Use an exit checklist before signing

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.

Before you accept an offer

Popular term length with broad lender options.
Clear comparisons for insured vs uninsured pricing.
Account holders can save, compare, and start applications.

Clear answers

Before you decide

Is 5-year fixed still the most common?

Yes. Many borrowers prefer its balance of rate stability and term length.

What about prepayment privileges?

They vary by lender. Review privileges and penalties before locking in.

Keep comparing

References

Use the regulator and consumer-agency guidance alongside the written terms of your lender’s offer.

Pragmatic Mortgage Lending · BC

Find the rate that fits the whole mortgage.

We’ll review lender eligibility, penalties and flexibility alongside the payment.

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