RBC Royal Bank 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, 4:03 p.m. Pacific. Public sources are scheduled for checks every two hours. Unverified, expired and future offers are withheld.

Verified rate examples

3.95% · 5-year variable

Uninsured – 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 3.98%

RBC public special offer; 5 Year Closed; up to 25 year amortization. Subject to lender approval.

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, 2:13 p.m. Pacific.

Verification expires Oct 5, 2026, 2:13 a.m. Pacific. Recheck before a decision.

Lender source and conditions

4.05% · 5-year variable

Uninsured – 30 yr · uninsured · maximum 30-year amortization

Lender-reported APR 4.08%

RBC public special offer; 5 Year Closed; greater than 25 year amortization. Subject to lender approval.

20% down purchase: $750,000 home, $150,000 down, 30-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:13 p.m. Pacific.

Verification expires Oct 5, 2026, 2:13 a.m. Pacific. Recheck before a decision.

Lender source and conditions

4.79% · 3-year fixed

Uninsured – 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 4.83%

RBC public special offer; 3 Year Closed; up to 25 year amortization. Subject to lender approval.

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, 2:13 p.m. Pacific.

Verification expires Oct 5, 2026, 2:13 a.m. Pacific. Recheck before a decision.

Lender source and conditions

4.89% · 3-year fixed

Uninsured – 30 yr · uninsured · maximum 30-year amortization

Lender-reported APR 4.93%

RBC public special offer; 3 Year Closed; greater than 25 year amortization. Subject to lender approval.

20% down purchase: $750,000 home, $150,000 down, 30-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:13 p.m. Pacific.

Verification expires Oct 5, 2026, 2:13 a.m. Pacific. Recheck before a decision.

Lender source and conditions

4.94% · 2-year fixed

Uninsured – 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 5.00%

RBC public special offer; 2 Year Closed; up to 25 year amortization. Subject to lender approval.

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, 2:13 p.m. Pacific.

Verification expires Oct 5, 2026, 2:13 a.m. Pacific. Recheck before a decision.

Lender source and conditions

4.94% · 4-year fixed

Uninsured – 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 4.97%

RBC public special offer; 4 Year Closed; up to 25 year amortization. Subject to lender approval.

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, 2:13 p.m. Pacific.

Verification expires Oct 5, 2026, 2:13 a.m. Pacific. Recheck before a decision.

Lender source and conditions

5.04% · 1-year fixed

Uninsured – 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 5.17%

RBC public special offer; 1 Year Closed; up to 25 year amortization. Subject to lender approval.

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, 2:13 p.m. Pacific.

Verification expires Oct 5, 2026, 2:13 a.m. Pacific. Recheck before a decision.

Lender source and conditions

5.04% · 2-year fixed

Uninsured – 30 yr · uninsured · maximum 30-year amortization

Lender-reported APR 5.10%

RBC public special offer; 2 Year Closed; greater than 25 year amortization. Subject to lender approval.

20% down purchase: $750,000 home, $150,000 down, 30-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:13 p.m. Pacific.

Verification expires Oct 5, 2026, 2:13 a.m. Pacific. Recheck before a decision.

Lender source and conditions

5.04% · 4-year fixed

Uninsured – 30 yr · uninsured · maximum 30-year amortization

Lender-reported APR 5.07%

RBC public special offer; 4 Year Closed; greater than 25 year amortization. Subject to lender approval.

20% down purchase: $750,000 home, $150,000 down, 30-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:13 p.m. Pacific.

Verification expires Oct 5, 2026, 2:13 a.m. Pacific. Recheck before a decision.

Lender source and conditions

5.04% · 5-year fixed

Uninsured – 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 5.07%

RBC public special offer; 5 Year Closed; up to 25 year amortization. Subject to lender approval.

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, 2:13 p.m. Pacific.

Verification expires Oct 5, 2026, 2:13 a.m. Pacific. Recheck before a decision.

Lender source and conditions

5.14% · 1-year fixed

Uninsured – 30 yr · uninsured · maximum 30-year amortization

Lender-reported APR 5.27%

RBC public special offer; 1 Year Closed; greater than 25 year amortization. Subject to lender approval.

20% down purchase: $750,000 home, $150,000 down, 30-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:13 p.m. Pacific.

Verification expires Oct 5, 2026, 2:13 a.m. Pacific. Recheck before a decision.

Lender source and conditions

5.14% · 5-year fixed

Uninsured – 30 yr · uninsured · maximum 30-year amortization

Lender-reported APR 5.17%

RBC public special offer; 5 Year Closed; greater than 25 year amortization. Subject to lender approval.

20% down purchase: $750,000 home, $150,000 down, 30-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:13 p.m. Pacific.

Verification expires Oct 5, 2026, 2:13 a.m. Pacific. Recheck before a decision.

Lender source and conditions

5.15% · 7-year fixed

Uninsured – 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 5.17%

RBC public special offer; 7 Year Closed; up to 25 year amortization. Subject to lender approval.

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, 2:13 p.m. Pacific.

Verification expires Oct 5, 2026, 2:13 a.m. Pacific. Recheck before a decision.

Lender source and conditions

5.25% · 7-year fixed

Uninsured – 30 yr · uninsured · maximum 30-year amortization

Lender-reported APR 5.27%

RBC public special offer; 7 Year Closed; greater than 25 year amortization. Subject to lender approval.

20% down purchase: $750,000 home, $150,000 down, 30-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:13 p.m. Pacific.

Verification expires Oct 5, 2026, 2:13 a.m. Pacific. Recheck before a decision.

Lender source and conditions

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