Prospera
Standard
3.94%
5-year term
APR
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Uninsured mortgage rates
Uninsured mortgages avoid insurance premiums but may have slightly higher rates. Compare total cost and flexibility.
Live rate snapshot
Top matches for this scenario
Showing the first 8 cards from 20 matching rates for Purchase · 5-year fixed · $900,000 · $75,000 down.
Purchase5-year fixed$900,000$75,000 down
fixed
Marathon Mortgage
5 Year Promo Rate (60 day)
3.99%
5-year term
APR
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Radius Financial
5 year promo at 3.99
3.99%
5-year term
APR
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RFA
Front Line Program
3.99%
5-year term
APR
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BlueShore Financial
Insured
4.04%
5-year term
APR
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ATB Financial
ATB Rate First
4.09%
5-year term
APR
4.11%
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Highlights
01
For 20% down or higher equity positions.
02
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03
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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.
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Frequently asked questions
Do uninsured mortgages have lower total cost?
They avoid insurance premiums, but rates can be higher. Compare full cost over the term.
Is 20% down enough for all lenders?
Generally yes, but some lenders require more for certain property types.