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5-year variable mortgage rates

Five-year variable terms offer flexibility and potential savings but require tolerance for rate changes.

Live rate snapshot

Top matches for this scenario

Showing the first 8 cards from 13 matching rates for Purchase · 5-year variable · $999,999 · $75,000 down.

Purchase5-year variable$999,999$75,000 down

BlueShore Financial

Insured

variable

3.55%

5-year term

APR

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ATB Financial

ATB Standard

variable

3.65%

5-year term

APR

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Our featured offers

Manulife

Manulife Bank Select Hi - Ratio Program

variable

3.65%

5-year term

APR

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Prospera

Standard

variable

3.65%

5-year term

APR

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Prospera

Standard

variable

3.65%

5-year term

APR

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Radius Financial

5 Year ARM Promo

variable

3.65%

5-year term

APR

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Highlights

01

Prime-based discounts with scenario matching.

02

Use trigger rate tools to plan for shifts.

03

Compare effective costs with fixed options.

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Frequently asked questions

Can I lock into fixed later?

Some lenders allow conversion, but pricing depends on their conversion policy.

How often can variable payments change?

Payments may change whenever prime changes or at specific lender intervals.