Prospera
Standard
3.94%
5-year term
APR
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5-year fixed mortgage rates
Five-year fixed terms are the most common in Canada. They offer stability for longer planning horizons.
Live rate snapshot
Top matches for this scenario
Showing the first 8 cards from 20 matching rates for Purchase · 5-year fixed · $999,999 · $75,000 down.
Purchase5-year fixed$999,999$75,000 down
fixed
Marathon Mortgage
5 Year Promo Rate (60 day)
3.99%
5-year term
APR
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Radius Financial
5 year promo at 3.99
3.99%
5-year term
APR
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RFA
Front Line Program
3.99%
5-year term
APR
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BlueShore Financial
Insured
4.04%
5-year term
APR
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ATB Financial
ATB Rate First
4.09%
5-year term
APR
4.11%
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Highlights
01
Popular term length with broad lender options.
02
Clear comparisons for insured vs uninsured pricing.
03
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Reviewed rate context
This page is maintained by Pragmatic Mortgage Lending for Canadian borrowers comparing rate categories, lender fit, and product trade-offs. Rate tables can change without notice, so final advice still depends on the live lender file and approval conditions.
Reviewed by the Pragmatic Mortgage Lending broker team. Updated May 1, 2026.
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Frequently asked questions
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.