pragmatic.Rate shopper Rates & guides

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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 · All terms · fixed & variable · 30-year amortization · Live in the home

A starting point

A few options to start.

3 of 31 matching rates · $600,000 financed · 30-year amortization

Lowest rate first

RBC Royal Bank

5-year variable

Uninsured mortgage

4.05%

Interest rate

Public lender rate · Checked

$2,882

Estimated / month
Rate details
Product
Uninsured – 30 yr
Lender APR
4.08%
Rate hold
Confirm with lender
Freshness deadline
Oct 5, 2026, 4:19 a.m. Pacific
Catalog updated
2026-10-03
Interest over this term
$116,031
Balance at term end
$543,122

RBC public special offer; 5 Year Closed; greater than 25 year amortization. Subject to lender approval.

Conventional / uninsured

Rates disappear at their offer or freshness deadline. A rate hold starts with lender confirmation and does not extend a promotion. Confirm fees, prepayment privileges, portability and break penalties before choosing. Estimates assume the rate stays constant.

Review this option with a broker

CoastCapital Savings

5-year variable

Uninsured mortgage

4.29%

Interest rate
Promotional rate

Public lender rate · Checked

$2,966

Estimated / month
Rate details
Product
Uninsured – 30 yr
Lender APR
Not supplied — confirm with lender
Rate hold
Confirm with lender
Freshness deadline
Oct 5, 2026, 4:18 a.m. Pacific
Catalog updated
2026-10-03
Interest over this term
$123,129
Balance at term end
$545,186

5-Year Variable Rate - Closed (more than 25-year amortization).

Conventional / uninsured · Promotional

Rates disappear at their offer or freshness deadline. A rate hold starts with lender confirmation and does not extend a promotion. Confirm fees, prepayment privileges, portability and break penalties before choosing. Estimates assume the rate stays constant.

Review this option with a broker

Beem Credit Union

3-year fixed

Uninsured mortgage

4.64%

Interest rate
Promotional rate

Public lender rate · Checked

$3,074

Estimated / month
Rate details
Product
Uninsured – 30 yr
Lender APR
Not supplied — confirm with lender
Rate hold
Confirm with lender
Freshness deadline
Oct 5, 2026, 4:18 a.m. Pacific
Catalog updated
2026-10-03
Interest over this term
$80,767
Balance at term end
$570,090

Beem public fixed closed mortgage rate; 3 year; Uninsured – 30 yr.

Conventional / uninsured · Promotional

Rates disappear at their offer or freshness deadline. A rate hold starts with lender confirmation and does not extend a promotion. Confirm fees, prepayment privileges, portability and break penalties before choosing. Estimates assume the rate stays constant.

Review this option with a broker
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How your rates stay current

Supported public lender sources are checked every two hours. Each offer shows when its source was checked. Your matches refresh while this page is open.

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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Open a lender to see verified fixed and variable reference rates, conditions and source checks. These examples cover different down payments and terms; use the shopper to check your own situation.

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