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Variable mortgage rates

Variable rates move with prime, which changes when the Bank of Canada adjusts policy rates.

Explore variable pricing and review trigger rate scenarios before you choose.

Live rate snapshot

Top matches for this scenario

Showing the first 8 cards from 13 matching rates for Purchase · 5-year variable · $999,999 · $75,000 down.

Purchase5-year variable$999,999$75,000 down

BlueShore Financial

Insured

variable

3.55%

5-year term

APR

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ATB Financial

ATB Standard

variable

3.65%

5-year term

APR

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Our featured offers

Manulife

Manulife Bank Select Hi - Ratio Program

variable

3.65%

5-year term

APR

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Prospera

Standard

variable

3.65%

5-year term

APR

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Prospera

Standard

variable

3.65%

5-year term

APR

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Radius Financial

5 Year ARM Promo

variable

3.65%

5-year term

APR

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Load the full comparison workspace when you want to change occupancy, term, amortization, or compare more cards side-by-side.

Highlights

01

Prime-based pricing with clear discounts and adjustments.

02

Trigger rate tools to plan for rate changes.

03

Save scenarios and compare against fixed options.

Save and compare rates

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Frequently asked questions

Do variable payments always change?

Some mortgages keep payments fixed while amortization changes. Others adjust payments with prime.

What is a trigger rate?

The rate where your payment only covers interest and principal stops shrinking.