Fixed mortgage rates

Ask about my rate

Compare fixed mortgage rates in Canada by term length, down payment, insurance status, penalties, prepayment privileges, and lender fit.

Example scenario · make it yours

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

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

A starting point

A few options to start.

3 of 37 matching rates · $600,000 financed · 25-year amortization

Lowest rate first

ATB Financial

5-year fixed

Uninsured mortgage

4.59%

Interest rate

Promotional rate

Public lender rate · Checked Oct 7, 2026, 6:04 a.m. Pacific

$3,351

Estimated / month

Compare

Rate details

Product: Rate First
Lender APR: Not supplied — confirm with lender
Rate hold: Confirm with lender
Freshness deadline: Oct 8, 2026, 6:04 p.m. Pacific
Catalog updated: 2026-10-08
Interest over this term: $128,616
Balance at term end: $527,560

Client Rates · Our featured offers · 5 Year Conventional.

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

ATB Financial

5-year fixed

Uninsured mortgage

4.69%

Interest rate

Public lender rate · Checked Oct 7, 2026, 6:04 a.m. Pacific

$3,385

Estimated / month

Compare

Rate details

Product: Standard
Lender APR: Not supplied — confirm with lender
Rate hold: Confirm with lender
Freshness deadline: Oct 8, 2026, 6:04 p.m. Pacific
Catalog updated: 2026-10-08
Interest over this term: $131,492
Balance at term end: $528,422

Client Rates · Our featured offers · 5 Year Conventional.

Conventional / uninsured

Review this option with a broker

BlueShore Financial

5-year fixed

Uninsured mortgage

4.69%

Interest rate

Public lender rate · Checked Oct 7, 2026, 6:05 a.m. Pacific

$3,385

Estimated / month

Compare

Rate details

Product: Uninsured – 25 yr
Lender APR: Not supplied — confirm with lender
Rate hold: Confirm with lender
Freshness deadline: Oct 8, 2026, 6:05 p.m. Pacific
Catalog updated: 2026-10-08
Interest over this term: $131,492
Balance at term end: $528,422

Beem public fixed closed mortgage rate; 5 year; Uninsured – 25 yr.

Conventional / uninsured

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How your rates stay current

Supported public lender sources are checked once daily at 6 a.m. Vancouver time. 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.

Open the payment calculator

A little guidance goes a long way.

We’ll help you weigh the rate, flexibility and costs. Brokerage services are available for BC properties.

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Find rates by lender

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.

Browse the lender directory · Live rate data for AI assistants · Connect an AI assistant

Compare the same balance, term, amortization and insurance category. Displayed rates depend on eligibility and lender approval.

Make a fair comparison

Understand the rate you’re looking at.

A fixed mortgage rate stays unchanged for the selected term, so the scheduled payment is predictable. It is usually the stronger fit when cash-flow certainty matters most, but borrowers should compare the lender's interest-rate-differential penalty, portability, and prepayment privileges—not only the starting rate.

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.

Best fit: Borrowers who value predictable payments
Main trade-off: Potentially higher break penalties and less flexibility
Compare carefully: Term length, IRD method, portability, and prepayments

Compare the fixed term before comparing the lender

A fixed rate is a category, not a single mortgage. One-, three-, and five-year terms can price differently because the bond-market cost and lender strategy differ by term. Start with the period you can realistically keep, then compare lenders inside that term.

If a move, sale, renovation, business change, or refinance is plausible before maturity, a slightly higher rate on a shorter or more portable mortgage can cost less than breaking the lowest five-year offer early.

Read the penalty method before you lock in

Most closed fixed mortgages charge the greater of three months' interest or an interest rate differential when broken early. The lender's comparison-rate method can materially change that number, so ask for a worked penalty example on your expected balance.

Also compare portability, blend options, annual lump sums, payment increases, and charge registration. These contract terms decide how much freedom the mortgage leaves after funding.

Before you accept an offer

Stable payments with clear prepayment privileges.
Compare 3- and 5-year options in one view.
Account holders can save and share scenarios with brokers.

Clear answers

Before you decide

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.

Keep comparing

References

Use the regulator and consumer-agency guidance alongside the written terms of your lender’s offer.

Pragmatic Mortgage Lending · BC

Find the rate that fits the whole mortgage.

We’ll review lender eligibility, penalties and flexibility alongside the payment.

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