BMO Bank of Montreal rates today

Verified examples for owner-occupied BC mortgages. Your eligibility and lender conditions affect your quote.

Reference scenarios and rate conditions

Current catalogue examples for owner-occupied British Columbia 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 Oct 3, 2026, 4:02 p.m. Pacific. Public sources are scheduled for checks every two hours. Unverified, expired and future offers are withheld.

Verified rate examples

4.10% · 5-year variable

Special under 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 4.12%

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

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

4.20% · 5-year variable

Special over 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 4.22%

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

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

4.45% · 5-year variable

Posted Variable over 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 4.47%

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

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

4.45% · 5-year variable

Posted Variable under 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 4.47%

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

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

4.74% · 3-year fixed

Special under 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 4.77%

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

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

4.84% · 3-year fixed

Special over 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 4.87%

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

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

4.84% · 5-year fixed

Default insured · insured · maximum 25-year amortization

Lender-reported APR 4.86%

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

Insured purchase: $750,000 home, $75,000 down, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

4.94% · 2-year fixed

Posted Fixed under 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 4.98%

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

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

4.94% · 2-year fixed

Posted Fixed over 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 4.98%

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

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

4.94% · 5-year fixed

Special under 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 4.96%

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

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

5.49% · 0.5-year fixed

Posted Convertible Fixed over 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 5.67%

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

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

5.49% · 0.5-year fixed

Posted Convertible Fixed under 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 5.67%

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

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

5.49% · 1-year fixed

Posted Fixed under 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 5.58%

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

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

5.49% · 1-year fixed

Posted Fixed over 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 5.58%

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

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

5.99% · 4-year fixed

Posted Fixed over 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 6.01%

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

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

5.99% · 4-year fixed

Posted Fixed under 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 6.01%

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

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

5.99% · 5-year fixed

Posted Smart Fixed under 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 6.01%

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

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

6.05% · 3-year fixed

Posted Fixed over 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 6.08%

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

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

6.05% · 3-year fixed

Posted Fixed under 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 6.08%

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

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

6.09% · 5-year fixed

Posted Fixed under 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 6.11%

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

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

6.09% · 5-year fixed

Posted Fixed over 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 6.11%

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

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

6.29% · 6-year fixed

Posted Fixed over 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 6.31%

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

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

6.29% · 6-year fixed

Posted Fixed under 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 6.31%

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

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

6.40% · 7-year fixed

Posted Fixed under 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 6.41%

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

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

6.40% · 7-year fixed

Posted Fixed over 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 6.41%

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

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

6.70% · 10-year fixed

Posted Smart Fixed under 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 6.71%

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

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

6.80% · 10-year fixed

Posted Fixed under 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 6.81%

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

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

6.80% · 10-year fixed

Posted Fixed over 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 6.81%

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

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

7.75% · 3-year variable

Posted Variable over 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 7.78%

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

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

7.75% · 3-year variable

Posted Variable under 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 7.78%

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

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

9.95% · 0.5-year fixed

Posted Open Fixed over 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 10.13%

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

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

9.95% · 0.5-year fixed

Posted Open Fixed under 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 10.13%

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

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

9.95% · 1-year fixed

Posted Open Fixed under 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 10.04%

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

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

9.95% · 1-year fixed

Posted Open Fixed over 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 10.04%

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

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

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