Refinance mortgage rates
Refinancing can reduce payments or unlock equity, but penalties and fees matter. Compare rates alongside the breakeven timeline.
Live rate snapshot
Top matches for this scenario
Showing the first 0 cards from 0 matching rates for Refinance · 5-year fixed · $999,999.
Need more filters?
Launch the full rate explorer
Load the full comparison workspace when you want to change occupancy, term, amortization, or compare more cards side-by-side.
Highlights
01
Rate explorer tuned for refinance scenarios.
02
Pair with the refinance analyzer to model costs.
03
Save your scenario to revisit with your broker.
Related links
Source file
Reviewed rate context
This page is maintained by Pragmatic Mortgage Lending for Canadian borrowers comparing rate categories, lender fit, and product trade-offs. Rate tables can change without notice, so final advice still depends on the live lender file and approval conditions.
Reviewed by the Pragmatic Mortgage Lending broker team. Updated May 1, 2026.
Save and compare rates
Create a free account to save this scenario, compare offers, and start a secure application.
Frequently asked questions
Do refinance rates differ from purchase rates?
Yes. Refinances can price differently due to insurer rules and risk profiles.
How do I know if refinancing is worth it?
Use a breakeven calculator to compare penalty and fee costs against savings.