5-year variable mortgage rates | Pragmatic Mortgage

Meridian

5-year variable

Rate

3.44%

APR 3.46%

Prime −1.01% (3.44%)

High-ratio insuredRural / hobby farm

Rate hold: 120 Days · Must fund by Jun 28, 2026

Estimated total cost over 5 years:

$148,251

Meridian

5-year variable

Rate

3.44%

APR 3.46%

Prime −1.01% (3.44%)

High-ratio insuredSpecialty product

Rate hold: 120 Days · Must fund by Jun 28, 2026

Estimated total cost over 5 years:

$148,251

Manulife

5-year variable

Rate

3.65%

APR 3.67%

Prime −0.80% (3.65%)

High-ratio insured

Rate hold: 120 Days · Must fund by Jun 28, 2026

Estimated total cost over 5 years:

$157,475

Manulife

5-year variable

Rate

3.65%

APR 3.67%

Prime −0.80% (3.65%)

High-ratio insuredSpecialty product

Rate hold: 120 Days · Must fund by Jun 28, 2026

Estimated total cost over 5 years:

$157,475

Prospera

5-year variable

Rate

3.65%

APR 3.67%

Prime −0.80% (3.65%)

High-ratio insured

Rate hold: 90 Days · Must fund by May 29, 2026

Estimated total cost over 5 years:

$157,475

Prospera

5-year variable

Rate

3.65%

APR 3.67%

Prime −0.80% (3.65%)

High-ratio insured

Rate hold: 90 Days · Must fund by May 29, 2026

Estimated total cost over 5 years:

$157,475

Radius Financial

5-year variable

Rate

3.65%

APR 3.67%

Prime −0.80% (3.65%)

High-ratio insuredPromotional

Rate hold: 120 Days · Must fund by Jun 28, 2026

Estimated total cost over 5 years:

$157,475

BlueShore Financial

5-year variable

Rate

3.70%

APR 3.72%

Prime −0.75% (3.70%)

High-ratio insured

Current estimated lender turnaround time: 5 business days

Rate hold: 90 Days · Must fund by May 29, 2026

Estimated total cost over 5 years:

$159,674

CMLS Financial

5-year variable

Rate

3.70%

APR 3.72%

Prime −0.75% (3.70%)

High-ratio insuredHELOC program

Rate hold: 120 Days · Must fund by Jun 28, 2026

Estimated total cost over 5 years:

$159,674

CMLS Financial

5-year variable

Rate

3.70%

APR 3.72%

Prime −0.75% (3.70%)

High-ratio insuredFlex down payment

Rate hold: 120 Days · Must fund by Jun 28, 2026

Estimated total cost over 5 years:

$159,674

First National Financial

5-year variable

Rate

3.70%

APR 3.72%

Prime −0.75% (3.70%)

High-ratio insured

Current estimated lender turnaround time: 2 business days

Rate hold: 120 Days · Must fund by Jun 28, 2026

Estimated total cost over 5 years:

$159,674

MCAP

5-year variable

Rate

3.70%

APR 3.72%

Prime −0.75% (3.70%)

High-ratio insuredNew to CanadaSpecialty product

Rate hold: 120 Days · Must fund by Jun 28, 2026

Estimated total cost over 5 years:

$159,674

MCAP

5-year variable

Rate

3.70%

APR 3.72%

Prime −0.75% (3.70%)

High-ratio insuredProfessional program

Rate hold: 120 Days · Must fund by Jun 28, 2026

Estimated total cost over 5 years:

$159,674

MCAP

5-year variable

Rate

3.70%

APR 3.72%

Prime −0.75% (3.70%)

High-ratio insuredFlex down payment

Rate hold: 120 Days · Must fund by Jun 28, 2026

Estimated total cost over 5 years:

$159,674

Neo Financial

5-year variable

Rate

3.70%

APR 3.72%

Prime −0.75% (3.70%)

High-ratio insuredNew to CanadaPurchase + improvementSpecialty product

Rate hold: 120 Days · Must fund by Jun 28, 2026

Estimated total cost over 5 years:

$159,674

Peoples Bank (For Exclusive Partners Only)

5-year variable

Rate

3.70%

APR 3.72%

Prime −0.75% (3.70%)

High-ratio insured

Rate hold: 120 Days · Must fund by Jun 28, 2026

Estimated total cost over 5 years:

$159,674

RFA

5-year variable

Rate

3.70%

APR 3.72%

Prime −0.75% (3.70%)

High-ratio insuredNew to CanadaPurchase + improvementSpecialty product

Rate hold: 120 Days · Must fund by Jun 28, 2026

Estimated total cost over 5 years:

$159,674

R

RMG Mortgages

5-year variable

Rate

3.70%

APR 3.72%

Prime −0.75% (3.70%)

High-ratio insuredFlex down payment

Rate hold: 120 Days · Must fund by Jun 28, 2026

Estimated total cost over 5 years:

$159,674

R

RMG Mortgages

5-year variable

Rate

3.70%

APR 3.72%

Prime −0.75% (3.70%)

High-ratio insuredNew to CanadaSpecialty product

Rate hold: 120 Days · Must fund by Jun 28, 2026

Estimated total cost over 5 years:

$159,674

R

RMG Mortgages

5-year variable

Rate

3.70%

APR 3.72%

Prime −0.75% (3.70%)

High-ratio insuredPurchase + improvement

Rate hold: 90 Days · Must fund by May 29, 2026

Estimated total cost over 5 years:

$159,674

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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.