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Lender rate guide

BMO Bank of Montreal
mortgage rates.

Compare current rate examples, then check what fits your mortgage.

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Compare the possibilities.

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

34 of 34 reference offers

5-year variableSpecial under 25 yrUninsuredUp to 25-year amortization4.37%APRContract 4.35%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 variableSpecial over 25 yrUninsuredUp to 25-year amortization4.47%APRContract 4.45%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 variablePosted Variable over 25 yrUninsuredUp to 25-year amortization4.72%APRContract 4.70%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 variablePosted Variable under 25 yrUninsuredUp to 25-year amortization4.72%APRContract 4.70%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 fixedSpecial under 25 yrUninsuredUp 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 fixedPosted Fixed under 25 yrUninsuredUp 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 fixedPosted Fixed over 25 yrUninsuredUp 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 fixedDefault insuredInsuredUp 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 fixedSpecial over 25 yrUninsuredUp 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 fixedSpecial under 25 yrUninsuredUp 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 fixedPosted Fixed under 25 yrUninsuredUp 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 fixedPosted Fixed over 25 yrUninsuredUp 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 fixedPosted Convertible Fixed over 25 yrUninsuredUp 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 fixedPosted Convertible Fixed under 25 yrUninsuredUp 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 fixedPosted Fixed over 25 yrUninsuredUp 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 fixedPosted Fixed under 25 yrUninsuredUp 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 fixedPosted Smart Fixed under 25 yrUninsuredUp 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 fixedPosted Fixed over 25 yrUninsuredUp 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 fixedPosted Fixed under 25 yrUninsuredUp 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 fixedPosted Fixed under 25 yrUninsuredUp 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 fixedPosted Fixed over 25 yrUninsuredUp 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 fixedPosted Fixed over 25 yrUninsuredUp 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 fixedPosted Fixed under 25 yrUninsuredUp 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 fixedPosted Fixed under 25 yrUninsuredUp 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 fixedPosted Fixed over 25 yrUninsuredUp 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 fixedPosted Smart Fixed under 25 yrUninsuredUp 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 fixedPosted Fixed under 25 yrUninsuredUp 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 fixedPosted Fixed over 25 yrUninsuredUp 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 variablePosted Variable over 25 yrUninsuredUp to 25-year amortization8.03%APRContract 8.00%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 variablePosted Variable under 25 yrUninsuredUp to 25-year amortization8.03%APRContract 8.00%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 fixedPosted Open Fixed under 25 yrUninsuredUp 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 fixedPosted Open Fixed over 25 yrUninsuredUp 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 fixedPosted Open Fixed over 25 yrUninsuredUp 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 fixedPosted Open Fixed under 25 yrUninsuredUp 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

Beyond the headline

Compare BMO products, not just terms

BMO publishes multiple mortgage terms and special-rate conditions. A quote should identify the product as well as the fixed or variable rate, especially when comparing a restricted offer with a more flexible one.

Check the applicable BMO product’s prepayment, portability and early-payout conditions. Confirm any cashback or switching incentive separately, including conditions if you leave early.

Lender product information and conditions ↗

Product guide updated . Rate evidence is dated separately in each offer. FCAC: choosing a mortgage.

Before you choose.

Is BMO’s posted rate the same as my offered rate?

Posted and special rates can differ. Compare the written offer and its APR assumptions, and ask how the contract calculates an early-payout charge.

How do I check which BMO Bank of Montreal rates fit my mortgage?

Use the shopper with BMO Bank of Montreal selected, then enter your purchase, renewal or refinance details. Reference scenarios are examples; matching a rate is not lender approval. You can clear the lender filter to compare alternatives.

Check my scenario →
Can Pragmatic arrange every offer listed here?

A listing does not confirm a lender appointment or access to every product or promotion. Ask us to confirm the lender, program and application channel for your BC property. Our brokerage services are available in British Columbia.

Where can I compare payments and switching costs?

Use the payment calculator for an estimate, then include any payout penalty, discharge, appraisal and legal costs in a switching or refinance comparison. Confirm those costs with your current lender and the proposed lender.

Payment calculatorMortgage penalty estimateRefinancing guide

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Compare payments and terms for your own numbers, or get a broker’s help with eligibility, fees and the details that matter to you.

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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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