Find a mortgage that fits.

Start with your numbers. Compare the rate, payment and details in one place.

Example scenario · make it yours

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

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

A starting point

Matching mortgage rates.

71 of 71 matching rates · $600,000 financed · 25-year amortization

Lowest APR first

ATB Financial

5-year variable

Uninsured mortgage

3.82%

APR

Contract rate 4.05%

$3,184

Estimated / month

Neo Financial

5-year variable

Uninsured mortgage

3.85%

APR

$3,118

Estimated / month

Beem Credit Union

5-year variable

Uninsured mortgage

4.00%

APR

$3,167

Estimated / month

Strive Capital

5-year variable

Insurable mortgage criteria apply

4.10%

APR

$3,200

Estimated / month

Envision Financial

5-year variable

Uninsured mortgage

4.12%

APR

Contract rate 4.10%

$3,200

Estimated / month

Valley First

5-year variable

Uninsured mortgage

4.12%

APR

Contract rate 4.10%

$3,200

Estimated / month

Island Savings

5-year variable

Uninsured mortgage

4.12%

APR

Contract rate 4.10%

$3,200

Estimated / month

Strive Capital

5-year variable

Insurable mortgage criteria apply

4.20%

APR

$3,234

Estimated / month

Community Savings Credit Union

5-year variable

Uninsured mortgage

4.20%

APR

$3,234

Estimated / month

Strive Capital

5-year variable

Uninsured mortgage

4.29%

APR

$3,264

Estimated / month

First National Financial

5-year variable

Uninsured mortgage

4.29%

APR

$3,264

Estimated / month

CoastCapital Savings

5-year variable

Insurable mortgage criteria apply

4.29%

APR

$3,264

Estimated / month

Desjardins

5-year variable

Uninsured mortgage

4.35%

APR

$3,284

Estimated / month

BMO Bank of Montreal

5-year variable

Uninsured mortgage

4.37%

APR

Contract rate 4.35%

$3,284

Estimated / month

RBC Royal Bank

5-year variable

Uninsured mortgage

4.43%

APR

Contract rate 4.40%

$3,301

Estimated / month

CoastCapital Savings

5-year variable

Uninsured mortgage

4.44%

APR

$3,315

Estimated / month

B2B Bank

5-year variable

Uninsured mortgage

4.45%

APR

Contract rate 4.70%

$3,403

Estimated / month

BMO Bank of Montreal

5-year variable

Uninsured mortgage

4.47%

APR

Contract rate 4.45%

$3,318

Estimated / month

CIBC

5-year variable

Uninsured mortgage

4.47%

APR

Contract rate 4.45%

$3,318

Estimated / month

MCAN Home - Precision Prime for Insured

5-year variable

Insurable mortgage criteria apply

4.50%

APR

$3,335

Estimated / month

CoastCapital Savings

5-year variable

Uninsured mortgage

4.54%

APR

$3,349

Estimated / month

MCAN Home - Precision Prime for Insured

5-year variable

Insurable mortgage criteria apply

4.60%

APR

$3,369

Estimated / month

Marathon Mortgage

5-year variable

Uninsured mortgage

4.60%

APR

$3,369

Estimated / month

ATB Financial

5-year fixed

Uninsured mortgage

4.61%

APR

Contract rate 4.59%

$3,351

Estimated / month

Beem Credit Union

5-year fixed

Uninsured mortgage

4.69%

APR

$3,385

Estimated / month

Manulife

5-year variable

Uninsured mortgage

4.70%

APR

$3,403

Estimated / month

ATB Financial

5-year fixed

Uninsured mortgage

4.71%

APR

Contract rate 4.69%

$3,385

Estimated / month

BMO Bank of Montreal

5-year variable

Uninsured mortgage

4.72%

APR

Contract rate 4.70%

$3,403

Estimated / month

BMO Bank of Montreal

5-year variable

Uninsured mortgage

4.72%

APR

Contract rate 4.70%

$3,403

Estimated / month

Neo Financial

5-year fixed

Uninsured mortgage

4.74%

APR

$3,401

Estimated / month

Community Savings Credit Union

5-year fixed

Uninsured mortgage

4.74%

APR

$3,401

Estimated / month

MCAN Home - Precision Prime for Insured

5-year variable

Uninsured mortgage

4.75%

APR

$3,421

Estimated / month

Valley First

5-year fixed

Uninsured mortgage

4.76%

APR

Contract rate 4.74%

$3,401

Estimated / month

Island Savings

5-year fixed

Uninsured mortgage

4.76%

APR

Contract rate 4.74%

$3,401

Estimated / month

Envision Financial

5-year fixed

Uninsured mortgage

4.76%

APR

Contract rate 4.74%

$3,401

Estimated / month

Beem Credit Union

5-year fixed

Uninsured mortgage

4.79%

APR

$3,418

Estimated / month

Prospera

5-year fixed

Uninsured mortgage

4.84%

APR

$3,435

Estimated / month

CMLS Financial

5-year variable

Uninsured mortgage

4.90%

APR

$3,473

Estimated / month

Desjardins

5-year fixed

Uninsured mortgage

4.99%

APR

$3,486

Estimated / month

Strive Capital

5-year fixed

Insurable mortgage criteria apply

5.04%

APR

$3,503

Estimated / month

CoastCapital Savings

5-year fixed

Insurable mortgage criteria apply

5.04%

APR

$3,503

Estimated / month

CMLS Financial

5-year fixed

Uninsured mortgage

5.09%

APR

$3,520

Estimated / month

Strive Capital

5-year fixed

Insurable mortgage criteria apply

5.09%

APR

$3,520

Estimated / month

Valley First

5-year variable

Uninsured mortgage

5.12%

APR

Contract rate 5.10%

$3,543

Estimated / month

Island Savings

5-year variable

Uninsured mortgage

5.12%

APR

Contract rate 5.10%

$3,543

Estimated / month

Envision Financial

5-year variable

Uninsured mortgage

5.12%

APR

Contract rate 5.10%

$3,543

Estimated / month

Scotiabank

5-year variable

Uninsured mortgage

5.15%

APR

$3,560

Estimated / month

BMO Bank of Montreal

5-year fixed

Uninsured mortgage

5.16%

APR

Contract rate 5.14%

$3,538

Estimated / month

RBC Royal Bank

5-year fixed

Uninsured mortgage

5.17%

APR

Contract rate 5.14%

$3,538

Estimated / month

National Bank of Canada

5-year fixed

Uninsured mortgage

5.18%

APR

Contract rate 5.14%

$3,538

Estimated / month

First National Financial

5-year fixed

Uninsured mortgage

5.20%

APR

$3,558

Estimated / month

Marathon Mortgage

5-year fixed

Uninsured mortgage

5.20%

APR

$3,558

Estimated / month

MCAN Home - Precision Prime for Insured

5-year fixed

Insurable mortgage criteria apply

5.24%

APR

$3,572

Estimated / month

CoastCapital Savings

5-year fixed

Uninsured mortgage

5.34%

APR

$3,607

Estimated / month

MCAN Home - Precision Prime for Insured

5-year fixed

Insurable mortgage criteria apply

5.34%

APR

$3,607

Estimated / month

MCAN Home - Precision Prime for Insured

5-year fixed

Uninsured mortgage

5.35%

APR

$3,610

Estimated / month

CIBC

5-year fixed

Uninsured mortgage

5.36%

APR

Contract rate 5.34%

$3,607

Estimated / month

Strive Capital

5-year fixed

Uninsured mortgage

5.39%

APR

$3,624

Estimated / month

CMLS Financial

5-year fixed

Uninsured mortgage

5.44%

APR

$3,641

Estimated / month

CoastCapital Savings

5-year fixed

Uninsured mortgage

5.44%

APR

$3,641

Estimated / month

Manulife

5-year fixed

Uninsured mortgage

5.59%

APR

$3,694

Estimated / month

WealthONE Bank

5-year fixed

Uninsured mortgage

5.74%

APR

$3,747

Estimated / month

BMO Bank of Montreal

5-year fixed

Uninsured mortgage

6.01%

APR

Contract rate 5.99%

$3,835

Estimated / month

BMO Bank of Montreal

5-year fixed

Uninsured mortgage

6.11%

APR

Contract rate 6.09%

$3,871

Estimated / month

BMO Bank of Montreal

5-year fixed

Uninsured mortgage

6.11%

APR

Contract rate 6.09%

$3,871

Estimated / month

Scotiabank

5-year fixed

Uninsured mortgage

6.19%

APR

$3,907

Estimated / month

B2B Bank

5-year fixed

Uninsured mortgage

6.31%

APR

Contract rate 6.29%

$3,943

Estimated / month

TD Canada Trust

5-year fixed

Uninsured mortgage

6.51%

APR

Contract rate 6.49%

$4,015

Estimated / month

CWB Optimum Mortgage (Alternative Lending)

5-year variable

Uninsured mortgage

6.81%

APR

Contract rate 6.70%

$4,127

Estimated / month

Scotiabank

5-year variable

Uninsured mortgage

7.90%

APR

$4,591

Estimated / month

TD Canada Trust

5-year variable

Uninsured mortgage

8.02%

APR

Contract rate 8.00%

$4,631

Estimated / month
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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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