Prospera
Standard
3.94%
5-year term
APR
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Fixed mortgage rates
Fixed-rate mortgages lock your rate for the entire term, which keeps payments predictable.
Use the explorer to compare fixed terms and review penalties before you commit.
Live rate snapshot
Top matches for this scenario
Showing the first 8 cards from 20 matching rates for Purchase · 5-year fixed · $999,999 · $75,000 down.
Purchase5-year fixed$999,999$75,000 down
fixed
Marathon Mortgage
5 Year Promo Rate (60 day)
3.99%
5-year term
APR
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Radius Financial
5 year promo at 3.99
3.99%
5-year term
APR
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RFA
Front Line Program
3.99%
5-year term
APR
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BlueShore Financial
Insured
4.04%
5-year term
APR
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ATB Financial
ATB Rate First
4.09%
5-year term
APR
4.11%
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Highlights
01
Stable payments with clear prepayment privileges.
02
Compare 3- and 5-year options in one view.
03
Account holders can save and share scenarios with brokers.
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
Is a fixed rate better than variable?
It depends on your risk tolerance and timeline. Fixed rates trade flexibility for stability.
Do fixed mortgages have higher penalties?
Often yes. The IRD penalty can be higher than variable penalties if you break early.