pragmatic.Rate shopper Rates & guides

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 · All terms · fixed & variable · 25-year amortization · Live in the home

A starting point

Matching mortgage rates.

322 of 322 matching rates · $600,000 financed · 25-year amortization

Lowest APR first

Neo Financial

5-year variable

Uninsured mortgage

3.60%

APR

$3,036

Estimated / month

Beem Credit Union

5-year variable

Uninsured mortgage

3.75%

APR

$3,085

Estimated / month

ATB Financial

5-year variable

Uninsured mortgage

3.82%

APR

Contract rate 3.80%

$3,101

Estimated / month

Strive Capital

5-year variable

Insurable mortgage criteria apply

3.85%

APR

$3,118

Estimated / month

Envision Financial

5-year variable

Uninsured mortgage

3.87%

APR

Contract rate 3.85%

$3,118

Estimated / month

Valley First

5-year variable

Uninsured mortgage

3.87%

APR

Contract rate 3.85%

$3,118

Estimated / month

Island Savings

5-year variable

Uninsured mortgage

3.87%

APR

Contract rate 3.85%

$3,118

Estimated / month

Beem Credit Union

3-year variable

Uninsured mortgage

3.90%

APR

$3,134

Estimated / month

Strive Capital

5-year variable

Insurable mortgage criteria apply

3.95%

APR

$3,150

Estimated / month

Community Savings Credit Union

5-year variable

Uninsured mortgage

3.95%

APR

$3,150

Estimated / month

CMLS Financial

5-year variable

Insurable mortgage criteria apply

3.95%

APR

$3,150

Estimated / month

Strive Capital

5-year variable

Uninsured mortgage

4.04%

APR

$3,180

Estimated / month

CoastCapital Savings

5-year variable

Insurable mortgage criteria apply

4.04%

APR

$3,180

Estimated / month

RFA

5-year variable

Uninsured mortgage

4.10%

APR

$3,200

Estimated / month

Desjardins

5-year variable

Uninsured mortgage

4.10%

APR

$3,200

Estimated / month

BMO Bank of Montreal

5-year variable

Uninsured mortgage

4.12%

APR

Contract rate 4.10%

$3,200

Estimated / month

CMLS Financial

5-year variable

Uninsured mortgage

4.14%

APR

$3,214

Estimated / month

Neo Financial

0.5-year fixed

Uninsured mortgage

4.14%

APR

$3,202

Estimated / month

First National Financial

5-year variable

Uninsured mortgage

4.14%

APR

$3,214

Estimated / month

CIBC

3-year variable

Uninsured mortgage

4.17%

APR

Contract rate 4.15%

$3,217

Estimated / month

RBC Royal Bank

5-year variable

Uninsured mortgage

4.18%

APR

Contract rate 4.15%

$3,217

Estimated / month

CoastCapital Savings

5-year variable

Uninsured mortgage

4.19%

APR

$3,230

Estimated / month

BMO Bank of Montreal

5-year variable

Uninsured mortgage

4.22%

APR

Contract rate 4.20%

$3,234

Estimated / month

CIBC

5-year variable

Uninsured mortgage

4.22%

APR

Contract rate 4.20%

$3,234

Estimated / month

MCAN Home - Precision Prime for Insured

5-year variable

Insurable mortgage criteria apply

4.25%

APR

$3,250

Estimated / month

CoastCapital Savings

5-year variable

Uninsured mortgage

4.29%

APR

$3,264

Estimated / month

TD Canada Trust

5-year variable

Uninsured mortgage

4.31%

APR

Contract rate 4.29%

$3,264

Estimated / month

MCAN Home - Precision Prime for Insured

5-year variable

Insurable mortgage criteria apply

4.35%

APR

$3,284

Estimated / month

Marathon Mortgage

5-year variable

Uninsured mortgage

4.35%

APR

$3,284

Estimated / month

Manulife

5-year variable

Uninsured mortgage

4.45%

APR

$3,318

Estimated / month

B2B Bank

5-year variable

Uninsured mortgage

4.45%

APR

$3,318

Estimated / month

B2B Bank

3-year variable

Uninsured mortgage

4.45%

APR

$3,318

Estimated / month

BMO Bank of Montreal

5-year variable

Uninsured mortgage

4.47%

APR

Contract rate 4.45%

$3,318

Estimated / month

BMO Bank of Montreal

5-year variable

Uninsured mortgage

4.47%

APR

Contract rate 4.45%

$3,318

Estimated / month

Prospera

2-year fixed

Uninsured mortgage

4.49%

APR

$3,318

Estimated / month

MCAN Home - Precision Prime for Insured

5-year variable

Uninsured mortgage

4.50%

APR

$3,335

Estimated / month

Beem Credit Union

3-year fixed

Uninsured mortgage

4.54%

APR

$3,334

Estimated / month

Prospera

3-year fixed

Uninsured mortgage

4.54%

APR

$3,334

Estimated / month

Beem Credit Union

2-year fixed

Uninsured mortgage

4.59%

APR

$3,351

Estimated / month

ATB Financial

5-year fixed

Uninsured mortgage

4.61%

APR

Contract rate 4.59%

$3,351

Estimated / month

ATB Financial

3-year fixed

Uninsured mortgage

4.62%

APR

Contract rate 4.59%

$3,351

Estimated / month

Community Savings Credit Union

3-year fixed

Uninsured mortgage

4.64%

APR

$3,368

Estimated / month

CMLS Financial

2-year fixed

Uninsured mortgage

4.64%

APR

$3,368

Estimated / month

Beem Credit Union

4-year fixed

Uninsured mortgage

4.64%

APR

$3,368

Estimated / month

Beem Credit Union

3-year fixed

Uninsured mortgage

4.64%

APR

$3,368

Estimated / month

CMLS Financial

5-year variable

Uninsured mortgage

4.65%

APR

$3,386

Estimated / month

ATB Financial

4-year fixed

Uninsured mortgage

4.67%

APR

Contract rate 4.64%

$3,368

Estimated / month

Island Savings

3-year fixed

Uninsured mortgage

4.67%

APR

Contract rate 4.64%

$3,368

Estimated / month

Valley First

3-year fixed

Uninsured mortgage

4.67%

APR

Contract rate 4.64%

$3,368

Estimated / month

Envision Financial

3-year fixed

Uninsured mortgage

4.67%

APR

Contract rate 4.64%

$3,368

Estimated / month

Community Savings Credit Union

4-year fixed

Uninsured mortgage

4.69%

APR

$3,385

Estimated / month

Community Savings Credit Union

2-year fixed

Uninsured mortgage

4.69%

APR

$3,385

Estimated / month

Beem Credit Union

2-year fixed

Uninsured mortgage

4.69%

APR

$3,385

Estimated / month

Beem Credit Union

5-year fixed

Uninsured mortgage

4.69%

APR

$3,385

Estimated / month

Prospera

4-year fixed

Uninsured mortgage

4.69%

APR

$3,385

Estimated / month

ATB Financial

5-year fixed

Uninsured mortgage

4.71%

APR

Contract rate 4.69%

$3,385

Estimated / month

Island Savings

4-year fixed

Uninsured mortgage

4.72%

APR

Contract rate 4.69%

$3,385

Estimated / month

Envision Financial

4-year fixed

Uninsured mortgage

4.72%

APR

Contract rate 4.69%

$3,385

Estimated / month

Valley First

4-year fixed

Uninsured mortgage

4.72%

APR

Contract rate 4.69%

$3,385

Estimated / month

Envision Financial

2-year fixed

Uninsured mortgage

4.74%

APR

Contract rate 4.69%

$3,385

Estimated / month

Valley First

2-year fixed

Uninsured mortgage

4.74%

APR

Contract rate 4.69%

$3,385

Estimated / month

Island Savings

2-year fixed

Uninsured mortgage

4.74%

APR

Contract rate 4.69%

$3,385

Estimated / month

Neo Financial

5-year fixed

Uninsured mortgage

4.74%

APR

$3,401

Estimated / month

Beem Credit Union

4-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

CMLS Financial

3-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

1-year fixed

Uninsured mortgage

4.79%

APR

$3,418

Estimated / month

CoastCapital Savings

2-year fixed

Uninsured mortgage

4.79%

APR

$3,418

Estimated / month

Beem Credit Union

5-year fixed

Uninsured mortgage

4.79%

APR

$3,418

Estimated / month

Neo Financial

3-year fixed

Uninsured mortgage

4.79%

APR

$3,418

Estimated / month

Island Savings

1-year fixed

Uninsured mortgage

4.84%

APR

Contract rate 4.74%

$3,401

Estimated / month

Envision Financial

1-year fixed

Uninsured mortgage

4.84%

APR

Contract rate 4.74%

$3,401

Estimated / month

Valley First

1-year fixed

Uninsured mortgage

4.84%

APR

Contract rate 4.74%

$3,401

Estimated / month

Desjardins

4-year fixed

Uninsured mortgage

4.84%

APR

$3,435

Estimated / month

Prospera

5-year fixed

Uninsured mortgage

4.84%

APR

$3,435

Estimated / month

CMLS Financial

3-year fixed

Uninsured mortgage

4.84%

APR

$3,435

Estimated / month

CIBC

2-year fixed

Uninsured mortgage

4.86%

APR

Contract rate 4.84%

$3,435

Estimated / month

Valley First

5-year variable

Uninsured mortgage

4.87%

APR

Contract rate 4.85%

$3,455

Estimated / month

Island Savings

5-year variable

Uninsured mortgage

4.87%

APR

Contract rate 4.85%

$3,455

Estimated / month

Envision Financial

5-year variable

Uninsured mortgage

4.87%

APR

Contract rate 4.85%

$3,455

Estimated / month

Prospera

1-year fixed

Uninsured mortgage

4.89%

APR

$3,452

Estimated / month

CMLS Financial

4-year fixed

Uninsured mortgage

4.89%

APR

$3,452

Estimated / month

Eclipse (MCAP & RMG)

1-year fixed

Uninsured mortgage

4.89%

APR

$3,452

Estimated / month

Beem Credit Union

1-year fixed

Uninsured mortgage

4.89%

APR

$3,452

Estimated / month

Desjardins

5-year fixed

Uninsured mortgage

4.89%

APR

$3,452

Estimated / month

CoastCapital Savings

2-year fixed

Uninsured mortgage

4.89%

APR

$3,452

Estimated / month

Scotiabank

5-year variable

Uninsured mortgage

4.90%

APR

$3,473

Estimated / month

CMLS Financial

4-year fixed

Uninsured mortgage

4.94%

APR

$3,469

Estimated / month

Neo Financial

4-year fixed

Uninsured mortgage

4.94%

APR

$3,469

Estimated / month

BMO Bank of Montreal

3-year fixed

Uninsured mortgage

4.97%

APR

Contract rate 4.94%

$3,469

Estimated / month

BMO Bank of Montreal

2-year fixed

Uninsured mortgage

4.98%

APR

Contract rate 4.94%

$3,469

Estimated / month

BMO Bank of Montreal

2-year fixed

Uninsured mortgage

4.98%

APR

Contract rate 4.94%

$3,469

Estimated / month

Prospera

7-year fixed

Uninsured mortgage

4.99%

APR

$3,486

Estimated / month

Community Savings Credit Union

1-year fixed

Uninsured mortgage

4.99%

APR

$3,486

Estimated / month

National Bank of Canada

3-year fixed

Uninsured mortgage

4.99%

APR

Contract rate 5.04%

$3,503

Estimated / month

RBC Royal Bank

3-year fixed

Uninsured mortgage

5.03%

APR

Contract rate 4.99%

$3,486

Estimated / month

CoastCapital Savings

3-year fixed

Uninsured mortgage

5.04%

APR

$3,503

Estimated / month

Eclipse (MCAP & RMG)

2-year fixed

Uninsured mortgage

5.04%

APR

$3,503

Estimated / month

Strive Capital

3-year fixed

Insurable mortgage criteria apply

5.04%

APR

$3,503

Estimated / month

Strive Capital

3-year fixed

Insurable mortgage criteria apply

5.04%

APR

$3,503

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

RBC Royal Bank

4-year fixed

Uninsured mortgage

5.07%

APR

Contract rate 5.04%

$3,503

Estimated / month

BMO Bank of Montreal

3-year fixed

Uninsured mortgage

5.07%

APR

Contract rate 5.04%

$3,503

Estimated / month

National Bank of Canada

4-year fixed

Uninsured mortgage

5.08%

APR

Contract rate 5.09%

$3,520

Estimated / month

CMLS Financial

5-year fixed

Insurable mortgage criteria apply

5.09%

APR

$3,520

Estimated / month

CMLS Financial

2-year fixed

Uninsured mortgage

5.09%

APR

$3,520

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

WealthONE Bank

1-year variable

Uninsured mortgage

5.10%

APR

$3,543

Estimated / month

CIBC

1-year fixed

Uninsured mortgage

5.11%

APR

Contract rate 5.09%

$3,520

Estimated / month

CIBC

3-year fixed

Uninsured mortgage

5.11%

APR

Contract rate 5.09%

$3,520

Estimated / month

Strive Capital

4-year fixed

Insurable mortgage criteria apply

5.14%

APR

$3,538

Estimated / month

First National Excalibur

1-year fixed

Uninsured mortgage

5.14%

APR

$3,538

Estimated / month

CoastCapital Savings

3-year fixed

Uninsured mortgage

5.14%

APR

$3,538

Estimated / month

CMLS Financial

1-year fixed

Uninsured mortgage

5.14%

APR

$3,538

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

Eclipse (MCAP & RMG)

3-year fixed

Uninsured mortgage

5.19%

APR

$3,555

Estimated / month

CoastCapital Savings

4-year fixed

Uninsured mortgage

5.19%

APR

$3,555

Estimated / month

Strive Capital

4-year fixed

Insurable mortgage criteria apply

5.19%

APR

$3,555

Estimated / month

MCAN Home - Discover Alternative for Uninsured

1-year fixed

Uninsured mortgage

5.19%

APR

$3,555

Estimated / month

CoastCapital Savings

1-year fixed

Uninsured mortgage

5.19%

APR

$3,555

Estimated / month

WealthONE Bank

1-year fixed

Uninsured mortgage

5.19%

APR

$3,555

Estimated / month

RBC Royal Bank

2-year fixed

Uninsured mortgage

5.20%

APR

Contract rate 5.14%

$3,538

Estimated / month

Marathon Mortgage

5-year fixed

Uninsured mortgage

5.20%

APR

$3,558

Estimated / month

Beem Credit Union

7-year fixed

Uninsured mortgage

5.20%

APR

$3,558

Estimated / month

Scotiabank

2-year fixed

Uninsured mortgage

5.24%

APR

$3,572

Estimated / month

First National Financial

4-year fixed

Uninsured mortgage

5.24%

APR

$3,572

Estimated / month

MCAN Home - Precision Prime for Insured

3-year fixed

Insurable mortgage criteria apply

5.24%

APR

$3,572

Estimated / month

Prospera

10-year fixed

Uninsured mortgage

5.24%

APR

$3,572

Estimated / month

MCAN Home - Precision Prime for Insured

5-year fixed

Insurable mortgage criteria apply

5.24%

APR

$3,572

Estimated / month

CoastCapital Savings

6-year fixed

Uninsured mortgage

5.24%

APR

$3,572

Estimated / month

CoastCapital Savings

8-year fixed

Uninsured mortgage

5.24%

APR

$3,572

Estimated / month

WealthONE Bank

3-year variable

Uninsured mortgage

5.25%

APR

$3,595

Estimated / month

CIBC

4-year fixed

Uninsured mortgage

5.26%

APR

Contract rate 5.24%

$3,572

Estimated / month

RBC Royal Bank

1-year fixed

Uninsured mortgage

5.27%

APR

Contract rate 5.14%

$3,538

Estimated / month

RBC Royal Bank

7-year fixed

Uninsured mortgage

5.27%

APR

Contract rate 5.25%

$3,576

Estimated / month

First National Financial

3-year fixed

Uninsured mortgage

5.28%

APR

$3,586

Estimated / month

First National Excalibur

1-year fixed

Uninsured mortgage

5.29%

APR

$3,589

Estimated / month

Home Trust

1-year fixed

Uninsured mortgage

5.29%

APR

$3,589

Estimated / month

MCAN Home - Discover Alternative for Uninsured

2-year fixed

Uninsured mortgage

5.29%

APR

$3,589

Estimated / month

CoastCapital Savings

1-year fixed

Uninsured mortgage

5.29%

APR

$3,589

Estimated / month

RFA

5-year fixed

Uninsured mortgage

5.29%

APR

$3,589

Estimated / month

CoastCapital Savings

9-year fixed

Uninsured mortgage

5.29%

APR

$3,589

Estimated / month

CoastCapital Savings

4-year fixed

Uninsured mortgage

5.29%

APR

$3,589

Estimated / month

WealthONE Bank

5-year variable

Uninsured mortgage

5.30%

APR

$3,613

Estimated / month

Beem Credit Union

7-year fixed

Uninsured mortgage

5.30%

APR

$3,593

Estimated / month

First National Financial

5-year fixed

Uninsured mortgage

5.31%

APR

$3,596

Estimated / month

CMLS Financial

5-year fixed

Uninsured mortgage

5.31%

APR

$3,596

Estimated / month

MCAN Home - Precision Prime for Insured

3-year fixed

Insurable mortgage criteria apply

5.34%

APR

$3,607

Estimated / month

CoastCapital Savings

5-year fixed

Uninsured mortgage

5.34%

APR

$3,607

Estimated / month

Strive Capital

2-year fixed

Insurable mortgage criteria apply

5.34%

APR

$3,607

Estimated / month

CoastCapital Savings

7-year fixed

Uninsured mortgage

5.34%

APR

$3,607

Estimated / month

Strive Capital

2-year fixed

Insurable mortgage criteria apply

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

CoastCapital Savings

8-year fixed

Uninsured mortgage

5.34%

APR

$3,607

Estimated / month

CoastCapital Savings

6-year fixed

Uninsured mortgage

5.34%

APR

$3,607

Estimated / month

First National Financial

2-year fixed

Uninsured mortgage

5.34%

APR

$3,607

Estimated / month

CoastCapital Savings

1-year variable

Uninsured mortgage

5.35%

APR

$3,631

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

ATB Financial

2.5-year fixed

Uninsured mortgage

5.38%

APR

Contract rate 5.34%

$3,607

Estimated / month

Strive Capital

5-year fixed

Uninsured mortgage

5.39%

APR

$3,624

Estimated / month

First National Excalibur

2-year fixed

Uninsured mortgage

5.39%

APR

$3,624

Estimated / month

Strive Capital

3-year fixed

Uninsured mortgage

5.39%

APR

$3,624

Estimated / month

Manulife

3-year fixed

Uninsured mortgage

5.39%

APR

$3,624

Estimated / month

CoastCapital Savings

9-year fixed

Uninsured mortgage

5.39%

APR

$3,624

Estimated / month

Home Trust

2-year fixed

Uninsured mortgage

5.39%

APR

$3,624

Estimated / month

MCAN Home - Discover Alternative for Uninsured

3-year fixed

Uninsured mortgage

5.39%

APR

$3,624

Estimated / month

TD Canada Trust

5-year fixed

Uninsured mortgage

5.41%

APR

Contract rate 5.39%

$3,624

Estimated / month

CoastCapital Savings

7-year fixed

Uninsured mortgage

5.44%

APR

$3,641

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

CMLS Financial

3-year fixed

Uninsured mortgage

5.44%

APR

$3,641

Estimated / month

WealthONE Bank

2-year fixed

Uninsured mortgage

5.44%

APR

$3,641

Estimated / month

CoastCapital Savings

10-year fixed

Uninsured mortgage

5.44%

APR

$3,641

Estimated / month

First National Financial

7-year fixed

Uninsured mortgage

5.44%

APR

$3,641

Estimated / month

TD Canada Trust

2-year fixed

Uninsured mortgage

5.44%

APR

Contract rate 5.39%

$3,624

Estimated / month

Community Savings Credit Union

1-year variable

Uninsured mortgage

5.45%

APR

$3,667

Estimated / month

Beem Credit Union

1-year variable

Uninsured mortgage

5.45%

APR

$3,667

Estimated / month

First National Excalibur

3-year fixed

Uninsured mortgage

5.49%

APR

$3,659

Estimated / month

Scotiabank

1-year fixed

Uninsured mortgage

5.49%

APR

$3,659

Estimated / month

Home Trust

3-year fixed

Uninsured mortgage

5.49%

APR

$3,659

Estimated / month

First National Excalibur

1-year fixed

Uninsured mortgage

5.54%

APR

$3,676

Estimated / month

CoastCapital Savings

10-year fixed

Uninsured mortgage

5.54%

APR

$3,676

Estimated / month

CMLS Financial

1-year fixed

Uninsured mortgage

5.54%

APR

$3,676

Estimated / month

Strive Capital

1-year fixed

Insurable mortgage criteria apply

5.54%

APR

$3,676

Estimated / month

Strive Capital

1-year fixed

Insurable mortgage criteria apply

5.54%

APR

$3,676

Estimated / month

CIBC

7-year fixed

Uninsured mortgage

5.56%

APR

Contract rate 5.54%

$3,676

Estimated / month

BMO Bank of Montreal

1-year fixed

Uninsured mortgage

5.58%

APR

Contract rate 5.49%

$3,659

Estimated / month

BMO Bank of Montreal

1-year fixed

Uninsured mortgage

5.58%

APR

Contract rate 5.49%

$3,659

Estimated / month

Manulife

5-year fixed

Uninsured mortgage

5.59%

APR

$3,694

Estimated / month

ATB Financial

2-year fixed

Uninsured mortgage

5.64%

APR

Contract rate 5.59%

$3,694

Estimated / month

First National Excalibur

2-year fixed

Uninsured mortgage

5.64%

APR

$3,711

Estimated / month

BMO Bank of Montreal

0.5-year fixed

Uninsured mortgage

5.67%

APR

Contract rate 5.49%

$3,659

Estimated / month

BMO Bank of Montreal

0.5-year fixed

Uninsured mortgage

5.67%

APR

Contract rate 5.49%

$3,659

Estimated / month

Desjardins

1-year fixed

Uninsured mortgage

5.69%

APR

$3,729

Estimated / month

WealthONE Bank

3-year fixed

Uninsured mortgage

5.69%

APR

$3,729

Estimated / month

First National Financial

1-year fixed

Uninsured mortgage

5.69%

APR

$3,729

Estimated / month

Manulife

4-year fixed

Uninsured mortgage

5.69%

APR

$3,729

Estimated / month

WealthONE Bank

4-year fixed

Uninsured mortgage

5.69%

APR

$3,729

Estimated / month

TD Canada Trust

0.5-year fixed

Uninsured mortgage

5.74%

APR

Contract rate 5.54%

$3,676

Estimated / month

Desjardins

2-year fixed

Uninsured mortgage

5.74%

APR

$3,747

Estimated / month

First National Excalibur

3-year fixed

Uninsured mortgage

5.74%

APR

$3,747

Estimated / month

WealthONE Bank

5-year fixed

Uninsured mortgage

5.74%

APR

$3,747

Estimated / month

First National Financial

10-year fixed

Uninsured mortgage

5.74%

APR

$3,747

Estimated / month

B2B Bank

1-year fixed

Uninsured mortgage

5.76%

APR

Contract rate 5.64%

$3,711

Estimated / month

TD Canada Trust

1-year fixed

Uninsured mortgage

5.79%

APR

Contract rate 5.69%

$3,729

Estimated / month

First National Excalibur

1-year fixed

Uninsured mortgage

5.79%

APR

$3,764

Estimated / month

Neo Financial

2-year fixed

Uninsured mortgage

5.84%

APR

$3,782

Estimated / month

First National Excalibur

2-year fixed

Uninsured mortgage

5.89%

APR

$3,800

Estimated / month

Bridgewater Bank

3-year fixed

Uninsured mortgage

5.93%

APR

Contract rate 5.49%

$3,659

Estimated / month

Neo Financial

1-year fixed

Uninsured mortgage

5.94%

APR

$3,817

Estimated / month

Scotiabank

3-year variable

Uninsured mortgage

5.95%

APR

$3,847

Estimated / month

First National Excalibur

3-year fixed

Uninsured mortgage

5.99%

APR

$3,835

Estimated / month

Bridgewater Bank

2-year fixed

Uninsured mortgage

6.00%

APR

Contract rate 5.39%

$3,624

Estimated / month

B2B Bank

2-year fixed

Uninsured mortgage

6.00%

APR

Contract rate 5.94%

$3,817

Estimated / month

ATB Financial

2-year variable

Uninsured mortgage

6.00%

APR

Contract rate 5.95%

$3,847

Estimated / month

BMO Bank of Montreal

4-year fixed

Uninsured mortgage

6.01%

APR

Contract rate 5.99%

$3,835

Estimated / month

BMO Bank of Montreal

5-year fixed

Uninsured mortgage

6.01%

APR

Contract rate 5.99%

$3,835

Estimated / month

BMO Bank of Montreal

4-year fixed

Uninsured mortgage

6.01%

APR

Contract rate 5.99%

$3,835

Estimated / month

TD Canada Trust

4-year fixed

Uninsured mortgage

6.02%

APR

Contract rate 5.99%

$3,835

Estimated / month

First National Excalibur

1-year fixed

Uninsured mortgage

6.04%

APR

$3,853

Estimated / month

Desjardins

3-year fixed

Uninsured mortgage

6.04%

APR

$3,853

Estimated / month

ATB Financial

1-year variable

Uninsured mortgage

6.05%

APR

Contract rate 5.95%

$3,847

Estimated / month

Scotiabank

3-year fixed

Uninsured mortgage

6.05%

APR

$3,857

Estimated / month

BMO Bank of Montreal

3-year fixed

Uninsured mortgage

6.08%

APR

Contract rate 6.05%

$3,857

Estimated / month

BMO Bank of Montreal

3-year fixed

Uninsured mortgage

6.08%

APR

Contract rate 6.05%

$3,857

Estimated / month

Scotiabank

0.5-year fixed

Uninsured mortgage

6.09%

APR

$3,871

Estimated / month

Community Savings Credit Union

0.5-year fixed

Uninsured mortgage

6.09%

APR

$3,871

Estimated / month

Scotiabank

4-year fixed

Uninsured mortgage

6.09%

APR

$3,871

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

B2B Bank

3-year fixed

Uninsured mortgage

6.13%

APR

Contract rate 6.09%

$3,871

Estimated / month

First National Excalibur

2-year fixed

Uninsured mortgage

6.14%

APR

$3,889

Estimated / month

ATB Financial

0.5-year variable

Uninsured mortgage

6.15%

APR

Contract rate 5.95%

$3,847

Estimated / month

ATB Financial

1-year fixed

Uninsured mortgage

6.19%

APR

Contract rate 6.09%

$3,871

Estimated / month

Scotiabank

5-year fixed

Uninsured mortgage

6.19%

APR

$3,907

Estimated / month

B2B Bank

4-year fixed

Uninsured mortgage

6.22%

APR

Contract rate 6.19%

$3,907

Estimated / month

First National Excalibur

3-year fixed

Uninsured mortgage

6.24%

APR

$3,925

Estimated / month

Bridgewater Bank

1-year fixed

Uninsured mortgage

6.25%

APR

Contract rate 5.14%

$3,538

Estimated / month

Desjardins

6-year fixed

Uninsured mortgage

6.29%

APR

$3,943

Estimated / month

First National Excalibur

2-year fixed

Uninsured mortgage

6.29%

APR

$3,943

Estimated / month

TD Canada Trust

6-year fixed

Uninsured mortgage

6.31%

APR

Contract rate 6.29%

$3,943

Estimated / month

B2B Bank

5-year fixed

Uninsured mortgage

6.31%

APR

Contract rate 6.29%

$3,943

Estimated / month

BMO Bank of Montreal

6-year fixed

Uninsured mortgage

6.31%

APR

Contract rate 6.29%

$3,943

Estimated / month

BMO Bank of Montreal

6-year fixed

Uninsured mortgage

6.31%

APR

Contract rate 6.29%

$3,943

Estimated / month

Manulife

2-year fixed

Uninsured mortgage

6.34%

APR

$3,961

Estimated / month

Manulife

7-year fixed

Uninsured mortgage

6.35%

APR

$3,965

Estimated / month

Desjardins

7-year fixed

Uninsured mortgage

6.39%

APR

$3,979

Estimated / month

Prospera

1-year fixed

Uninsured mortgage

6.39%

APR

$3,979

Estimated / month

Scotiabank

7-year fixed

Uninsured mortgage

6.40%

APR

$3,983

Estimated / month

Community Savings Credit Union

7-year fixed

Uninsured mortgage

6.40%

APR

$3,983

Estimated / month

BMO Bank of Montreal

7-year fixed

Uninsured mortgage

6.41%

APR

Contract rate 6.40%

$3,983

Estimated / month

BMO Bank of Montreal

7-year fixed

Uninsured mortgage

6.41%

APR

Contract rate 6.40%

$3,983

Estimated / month

Home Trust

4-year fixed

Uninsured mortgage

6.46%

APR

$4,004

Estimated / month

First National Excalibur

3-year fixed

Uninsured mortgage

6.49%

APR

$4,015

Estimated / month

Home Trust

5-year fixed

Uninsured mortgage

6.51%

APR

$4,023

Estimated / month

CoastCapital Savings

1-year fixed

Uninsured mortgage

6.59%

APR

$4,052

Estimated / month

Manulife

10-year fixed

Uninsured mortgage

6.69%

APR

$4,088

Estimated / month

BMO Bank of Montreal

10-year fixed

Uninsured mortgage

6.71%

APR

Contract rate 6.70%

$4,092

Estimated / month

B2B Bank

7-year fixed

Uninsured mortgage

6.72%

APR

Contract rate 6.69%

$4,088

Estimated / month

CoastCapital Savings

1-year fixed

Uninsured mortgage

6.79%

APR

$4,125

Estimated / month

Scotiabank

10-year fixed

Uninsured mortgage

6.80%

APR

$4,129

Estimated / month

Community Savings Credit Union

10-year fixed

Uninsured mortgage

6.80%

APR

$4,129

Estimated / month

CWB Optimum Mortgage (Alternative Lending)

5-year variable

Uninsured mortgage

6.81%

APR

Contract rate 6.45%

$4,033

Estimated / month

BMO Bank of Montreal

10-year fixed

Uninsured mortgage

6.81%

APR

Contract rate 6.80%

$4,129

Estimated / month

BMO Bank of Montreal

10-year fixed

Uninsured mortgage

6.81%

APR

Contract rate 6.80%

$4,129

Estimated / month

TD Canada Trust

10-year fixed

Uninsured mortgage

6.81%

APR

Contract rate 6.80%

$4,129

Estimated / month

Island Savings

0.5-year fixed

Uninsured mortgage

6.84%

APR

Contract rate 6.64%

$4,070

Estimated / month

Valley First

0.5-year fixed

Uninsured mortgage

6.84%

APR

Contract rate 6.64%

$4,070

Estimated / month

Envision Financial

0.5-year fixed

Uninsured mortgage

6.84%

APR

Contract rate 6.64%

$4,070

Estimated / month

Manulife

1-year fixed

Uninsured mortgage

6.89%

APR

$4,162

Estimated / month

Desjardins

10-year fixed

Uninsured mortgage

6.89%

APR

$4,162

Estimated / month

B2B Bank

10-year fixed

Uninsured mortgage

7.17%

APR

Contract rate 7.14%

$4,254

Estimated / month

Beem Credit Union

1-year fixed

Uninsured mortgage

7.20%

APR

$4,277

Estimated / month

CMLS Financial

6-year fixed

Uninsured mortgage

7.34%

APR

$4,329

Estimated / month

Envision Financial

7-year fixed

Uninsured mortgage

7.41%

APR

Contract rate 7.39%

$4,348

Estimated / month

Island Savings

7-year fixed

Uninsured mortgage

7.41%

APR

Contract rate 7.39%

$4,348

Estimated / month

Valley First

7-year fixed

Uninsured mortgage

7.41%

APR

Contract rate 7.39%

$4,348

Estimated / month

Valley First

10-year fixed

Uninsured mortgage

7.65%

APR

Contract rate 7.64%

$4,442

Estimated / month

Island Savings

10-year fixed

Uninsured mortgage

7.65%

APR

Contract rate 7.64%

$4,442

Estimated / month

Envision Financial

10-year fixed

Uninsured mortgage

7.65%

APR

Contract rate 7.64%

$4,442

Estimated / month

Scotiabank

5-year variable

Uninsured mortgage

7.65%

APR

$4,493

Estimated / month

TD Canada Trust

5-year variable

Uninsured mortgage

7.77%

APR

Contract rate 7.75%

$4,532

Estimated / month

BMO Bank of Montreal

3-year variable

Uninsured mortgage

7.78%

APR

Contract rate 7.75%

$4,532

Estimated / month

BMO Bank of Montreal

3-year variable

Uninsured mortgage

7.78%

APR

Contract rate 7.75%

$4,532

Estimated / month

Envision Financial

1-year fixed

Uninsured mortgage

7.80%

APR

Contract rate 7.70%

$4,465

Estimated / month

Island Savings

1-year fixed

Uninsured mortgage

7.80%

APR

Contract rate 7.70%

$4,465

Estimated / month

Valley First

1-year fixed

Uninsured mortgage

7.80%

APR

Contract rate 7.70%

$4,465

Estimated / month

Valley First

0.5-year fixed

Uninsured mortgage

7.90%

APR

Contract rate 7.70%

$4,465

Estimated / month

Island Savings

0.5-year fixed

Uninsured mortgage

7.90%

APR

Contract rate 7.70%

$4,465

Estimated / month

Envision Financial

0.5-year fixed

Uninsured mortgage

7.90%

APR

Contract rate 7.70%

$4,465

Estimated / month

CMLS Financial

7-year fixed

Uninsured mortgage

7.99%

APR

$4,575

Estimated / month

Desjardins

0.5-year fixed

Uninsured mortgage

7.99%

APR

$4,575

Estimated / month

B2B Bank

0.5-year fixed

Uninsured mortgage

8.07%

APR

Contract rate 7.84%

$4,518

Estimated / month

CMLS Financial

10-year fixed

Uninsured mortgage

8.09%

APR

$4,614

Estimated / month

CWB Optimum Mortgage (Alternative Lending)

3-year fixed

Uninsured mortgage

8.12%

APR

Contract rate 7.59%

$4,423

Estimated / month

CWB Optimum Mortgage (Alternative Lending)

2-year fixed

Uninsured mortgage

8.23%

APR

Contract rate 7.49%

$4,386

Estimated / month

CWB Optimum Mortgage (Alternative Lending)

4-year fixed

Uninsured mortgage

8.31%

APR

Contract rate 7.89%

$4,537

Estimated / month

B2B Bank

0.5-year fixed

Uninsured mortgage

8.48%

APR

Contract rate 8.25%

$4,675

Estimated / month

CWB Optimum Mortgage (Alternative Lending)

1-year fixed

Uninsured mortgage

8.77%

APR

Contract rate 7.39%

$4,348

Estimated / month

ATB Financial

2-year fixed

Uninsured mortgage

8.90%

APR

Contract rate 8.85%

$4,909

Estimated / month

ATB Financial

1-year fixed

Uninsured mortgage

8.95%

APR

Contract rate 8.85%

$4,909

Estimated / month

ATB Financial

0.5-year fixed

Uninsured mortgage

9.05%

APR

Contract rate 8.85%

$4,909

Estimated / month

B2B Bank

1-year fixed

Uninsured mortgage

9.27%

APR

Contract rate 9.15%

$5,027

Estimated / month

B2B Bank

0.5-year fixed

Uninsured mortgage

9.38%

APR

Contract rate 9.15%

$5,027

Estimated / month

Community Savings Credit Union

1-year fixed

Uninsured mortgage

9.75%

APR

$5,266

Estimated / month

Scotiabank

1-year fixed

Uninsured mortgage

9.75%

APR

$5,266

Estimated / month

Community Savings Credit Union

0.5-year fixed

Uninsured mortgage

9.75%

APR

$5,266

Estimated / month

Scotiabank

0.5-year fixed

Uninsured mortgage

9.75%

APR

$5,266

Estimated / month

First National Financial

0.5-year fixed

Uninsured mortgage

9.95%

APR

$5,347

Estimated / month

BMO Bank of Montreal

1-year fixed

Uninsured mortgage

10.04%

APR

Contract rate 9.95%

$5,347

Estimated / month

BMO Bank of Montreal

1-year fixed

Uninsured mortgage

10.04%

APR

Contract rate 9.95%

$5,347

Estimated / month

TD Canada Trust

1-year fixed

Uninsured mortgage

10.05%

APR

Contract rate 9.95%

$5,347

Estimated / month

BMO Bank of Montreal

0.5-year fixed

Uninsured mortgage

10.13%

APR

Contract rate 9.95%

$5,347

Estimated / month

BMO Bank of Montreal

0.5-year fixed

Uninsured mortgage

10.13%

APR

Contract rate 9.95%

$5,347

Estimated / month
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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.

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