Lender rate guide

Prospera
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.

9 of 9 reference offers

2-year fixedUninsuredUp to 25-year amortization4.49%APRDetails

Product: Uninsured – 25 yr
Insurance category: Uninsured
Maximum amortization: 25 years
APR basis: Estimated; confirm fees

Eligibility & conditions

Prospera advertised public mortgage rate; 2-Year Closed.

Compare the reference scenarios (4)

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

Source & verification

Public lender source checked Oct 23, 2026, 6:02 a.m. Pacific.

Verification expires Oct 24, 2026, 6:02 p.m. Pacific. Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

5-year fixedInsuredUp to 25-year amortization4.49%APRDetails

Product: Insured
Insurance category: Insured
Maximum amortization: 25 years
APR basis: Estimated; confirm fees

Eligibility & conditions

Prospera advertised public mortgage rate; 5-Year Closed - 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 Oct 23, 2026, 6:02 a.m. Pacific.

Verification expires Oct 24, 2026, 6:02 p.m. Pacific. Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

3-year fixedUninsuredUp to 25-year amortization4.54%APRDetails

Product: Uninsured – 25 yr
Insurance category: Uninsured
Maximum amortization: 25 years
APR basis: Estimated; confirm fees

Eligibility & conditions

Prospera advertised public mortgage rate; 3-Year Closed.

Compare the reference scenarios (4)

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

Source & verification

Public lender source checked Oct 23, 2026, 6:02 a.m. Pacific.

Verification expires Oct 24, 2026, 6:02 p.m. Pacific. Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

4-year fixedUninsuredUp to 25-year amortization4.69%APRDetails

Product: Uninsured – 25 yr
Insurance category: Uninsured
Maximum amortization: 25 years
APR basis: Estimated; confirm fees

Eligibility & conditions

Prospera advertised public mortgage rate; 4-Year Closed.

Compare the reference scenarios (4)

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

Source & verification

Public lender source checked Oct 23, 2026, 6:02 a.m. Pacific.

Verification expires Oct 24, 2026, 6:02 p.m. Pacific. Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

5-year fixedUninsuredUp to 25-year amortization4.84%APRDetails

Product: Uninsured – 25 yr
Insurance category: Uninsured
Maximum amortization: 25 years
APR basis: Estimated; confirm fees

Eligibility & conditions

Prospera advertised public mortgage rate; 5-Year Closed.

Compare the reference scenarios (4)

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

Source & verification

Public lender source checked Oct 23, 2026, 6:02 a.m. Pacific.

Verification expires Oct 24, 2026, 6:02 p.m. Pacific. Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

1-year fixedUninsuredUp to 25-year amortization4.89%APRDetails

Product: Uninsured – 25 yr
Insurance category: Uninsured
Maximum amortization: 25 years
APR basis: Estimated; confirm fees

Eligibility & conditions

Prospera advertised public mortgage rate; 1-Year Closed.

Compare the reference scenarios (4)

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

Source & verification

Public lender source checked Oct 23, 2026, 6:02 a.m. Pacific.

Verification expires Oct 24, 2026, 6:02 p.m. Pacific. Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

7-year fixedUninsuredUp to 25-year amortization4.99%APRDetails

Product: Uninsured – 25 yr
Insurance category: Uninsured
Maximum amortization: 25 years
APR basis: Estimated; confirm fees

Eligibility & conditions

Prospera advertised public mortgage rate; 7-Year Closed.

Compare the reference scenarios (4)

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

Source & verification

Public lender source checked Oct 23, 2026, 6:02 a.m. Pacific.

Verification expires Oct 24, 2026, 6:02 p.m. Pacific. Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

10-year fixedUninsuredUp to 25-year amortization5.24%APRDetails

Product: Uninsured – 25 yr
Insurance category: Uninsured
Maximum amortization: 25 years
APR basis: Estimated; confirm fees

Eligibility & conditions

Prospera advertised public mortgage rate; 10-Year Closed.

Compare the reference scenarios (4)

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

Source & verification

Public lender source checked Oct 23, 2026, 6:02 a.m. Pacific.

Verification expires Oct 24, 2026, 6:02 p.m. Pacific. Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

1-year fixedUninsuredUp to 25-year amortization6.39%APRDetails

Product: Uninsured – 25 yr
Insurance category: Uninsured
Maximum amortization: 25 years
APR basis: Estimated; confirm fees

Eligibility & conditions

Prospera advertised public mortgage rate; 1-Year Open.

Compare the reference scenarios (4)

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

Source & verification

Public lender source checked Oct 23, 2026, 6:02 a.m. Pacific.

Verification expires Oct 24, 2026, 6:02 p.m. Pacific. Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

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