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Lender rate guide

BMO Bank of Montreal
mortgage rates.

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Owner-occupied BC & Ontario reference scenarios. Conditions vary by product.

34 of 34 reference offers

5-year variableUninsuredUp to 25-year amortization4.12%APRContract 4.10%Details
Product
Special under 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

BMO public special mortgage rate; 5 year variable closed; amortization under 25 yr.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

5-year variableUninsuredUp to 25-year amortization4.22%APRContract 4.20%Details
Product
Special over 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

BMO public special mortgage rate; 5 year variable closed; amortization over 25 yr.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

5-year variableUninsuredUp to 25-year amortization4.47%APRContract 4.45%Details
Product
Posted Variable over 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

BMO public posted mortgage rate; 5 year (closed); amortization over 25 yr.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

5-year variableUninsuredUp to 25-year amortization4.47%APRContract 4.45%Details
Product
Posted Variable under 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

BMO public posted mortgage rate; 5 year (closed); amortization under 25 yr.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

3-year fixedUninsuredUp to 25-year amortization4.97%APRContract 4.94%Details
Product
Special under 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

BMO public special mortgage rate; 3 year fixed closed; amortization under 25 years.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

2-year fixedUninsuredUp to 25-year amortization4.98%APRContract 4.94%Details
Product
Posted Fixed under 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

BMO public posted mortgage rate; 2 year (closed); amortization under 25 yr.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

2-year fixedUninsuredUp to 25-year amortization4.98%APRContract 4.94%Details
Product
Posted Fixed over 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

BMO public posted mortgage rate; 2 year (closed); amortization over 25 yr.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

5-year fixedInsuredUp to 25-year amortization5.01%APRContract 4.99%Details
Product
Default insured
Insurance category
Insured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

BMO public special mortgage rate; 5 year Smart Fixed default insured.

Compare the reference scenarios (2)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

3-year fixedUninsuredUp to 25-year amortization5.07%APRContract 5.04%Details
Product
Special over 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

BMO public special mortgage rate; 3 year fixed closed; amortization over 25 years.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

5-year fixedUninsuredUp to 25-year amortization5.16%APRContract 5.14%Details
Product
Special under 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

BMO public special mortgage rate; 5 year Smart Fixed closed; amortization under 25 years.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

1-year fixedUninsuredUp to 25-year amortization5.58%APRContract 5.49%Details
Product
Posted Fixed under 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

BMO public posted mortgage rate; 1 year (closed); amortization under 25 yr.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

1-year fixedUninsuredUp to 25-year amortization5.58%APRContract 5.49%Details
Product
Posted Fixed over 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

BMO public posted mortgage rate; 1 year (closed); amortization over 25 yr.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

6-month fixedUninsuredUp to 25-year amortization5.67%APRContract 5.49%Details
Product
Posted Convertible Fixed over 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

BMO public posted mortgage rate; 6 month (convertible); amortization over 25 yr.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

6-month fixedUninsuredUp to 25-year amortization5.67%APRContract 5.49%Details
Product
Posted Convertible Fixed under 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

BMO public posted mortgage rate; 6 month (convertible); amortization under 25 yr.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

4-year fixedUninsuredUp to 25-year amortization6.01%APRContract 5.99%Details
Product
Posted Fixed over 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

BMO public posted mortgage rate; 4 year (closed); amortization over 25 yr.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

4-year fixedUninsuredUp to 25-year amortization6.01%APRContract 5.99%Details
Product
Posted Fixed under 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

BMO public posted mortgage rate; 4 year (closed); amortization under 25 yr.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

5-year fixedUninsuredUp to 25-year amortization6.01%APRContract 5.99%Details
Product
Posted Smart Fixed under 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

BMO public posted mortgage rate; 5 year low rate (closed); amortization under 25 years.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

3-year fixedUninsuredUp to 25-year amortization6.08%APRContract 6.05%Details
Product
Posted Fixed over 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

BMO public posted mortgage rate; 3 year (closed); amortization over 25 yr.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

3-year fixedUninsuredUp to 25-year amortization6.08%APRContract 6.05%Details
Product
Posted Fixed under 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

BMO public posted mortgage rate; 3 year (closed); amortization under 25 yr.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

5-year fixedUninsuredUp to 25-year amortization6.11%APRContract 6.09%Details
Product
Posted Fixed under 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

BMO public posted mortgage rate; 5 year (closed); amortization under 25 yr.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

5-year fixedUninsuredUp to 25-year amortization6.11%APRContract 6.09%Details
Product
Posted Fixed over 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

BMO public posted mortgage rate; 5 year (closed); amortization over 25 yr.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

6-year fixedUninsuredUp to 25-year amortization6.31%APRContract 6.29%Details
Product
Posted Fixed over 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

BMO public posted mortgage rate; 6 year (closed); amortization over 25 yr.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

6-year fixedUninsuredUp to 25-year amortization6.31%APRContract 6.29%Details
Product
Posted Fixed under 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

BMO public posted mortgage rate; 6 year (closed); amortization under 25 yr.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

7-year fixedUninsuredUp to 25-year amortization6.41%APRContract 6.40%Details
Product
Posted Fixed under 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

BMO public posted mortgage rate; 7 year (closed); amortization under 25 yr.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

7-year fixedUninsuredUp to 25-year amortization6.41%APRContract 6.40%Details
Product
Posted Fixed over 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

BMO public posted mortgage rate; 7 year (closed); amortization over 25 yr.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

10-year fixedUninsuredUp to 25-year amortization6.71%APRContract 6.70%Details
Product
Posted Smart Fixed under 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

BMO public posted mortgage rate; 10 year low rate (closed); amortization under 25 years.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

10-year fixedUninsuredUp to 25-year amortization6.81%APRContract 6.80%Details
Product
Posted Fixed under 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

BMO public posted mortgage rate; 10 year(closed); amortization under 25 yr.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

10-year fixedUninsuredUp to 25-year amortization6.81%APRContract 6.80%Details
Product
Posted Fixed over 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

BMO public posted mortgage rate; 10 year(closed); amortization over 25 yr.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

3-year variableUninsuredUp to 25-year amortization7.78%APRContract 7.75%Details
Product
Posted Variable over 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

BMO public posted mortgage rate; 3 year (open); amortization over 25 yr.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

3-year variableUninsuredUp to 25-year amortization7.78%APRContract 7.75%Details
Product
Posted Variable under 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

BMO public posted mortgage rate; 3 year (open); amortization under 25 yr.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

1-year fixedUninsuredUp to 25-year amortization10.04%APRContract 9.95%Details
Product
Posted Open Fixed under 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

BMO public posted mortgage rate; 1 year (open); amortization under 25 yr.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

1-year fixedUninsuredUp to 25-year amortization10.04%APRContract 9.95%Details
Product
Posted Open Fixed over 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

BMO public posted mortgage rate; 1 year (open); amortization over 25 yr.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

6-month fixedUninsuredUp to 25-year amortization10.13%APRContract 9.95%Details
Product
Posted Open Fixed over 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

BMO public posted mortgage rate; 6 month (open); amortization over 25 yr.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

6-month fixedUninsuredUp to 25-year amortization10.13%APRContract 9.95%Details
Product
Posted Open Fixed under 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

BMO public posted mortgage rate; 6 month (open); amortization under 25 yr.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

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About these rates & reference scenarios

Current catalogue examples for owner-occupied British Columbia and Ontario properties. Rates match the stated example scenarios, not your personal eligibility. This is not every lender product or a whole-market best-rate claim. Insurance, underwriting, fees and lender conditions apply. A rate hold does not extend an offer's availability.

Catalogue retrieved . Public sources are scheduled for checks once daily at 6 a.m. Vancouver time. Unverified, expired and future offers are withheld.

A listing does not confirm that a lender has appointed this brokerage or that every lender product is available through us.

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