BlueShore Financial
Insured
3.55%
5-year term
APR
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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
variable
ATB Financial
ATB Standard
3.65%
5-year term
APR
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Our featured offers
Manulife
Manulife Bank Select Hi - Ratio Program
3.65%
5-year term
APR
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Prospera
Standard
3.65%
5-year term
APR
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Prospera
Standard
3.65%
5-year term
APR
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Radius Financial
5 Year ARM Promo
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.
Source file
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
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.