Variable mortgage rates | Pragmatic Mortgage

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Five quick inputs determine the right rate bucket automatically.

Transaction

Occupancy

Purchase price

Down payment

%

Amortization

25 yr30 yr

Term

Select one or more term lengths.

Rate type

Insured mortgage exceptions

Flag first-time buyers or new construction to unlock the insured 30-year amortization guidance.

First-time home buyer

Borrower qualifies under the current national definition.

Property is new construction

Applies to insured purchases of newly built homes.

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Meridian

5-year variable

Rate

3.55%

APR 3.57%

Prime −0.90% (3.55%)

High-ratio insured

Estimated total cost over 5 years:

$153,080

Standard

CoastCapital Savings

5-year variable

Rate

3.65%

APR 3.67%

Prime −0.80% (3.65%)

High-ratio insured

Current estimated lender turnaround time: 7 business days

Estimated total cost over 5 years:

$157,475

Standard

Prospera

5-year variable

Rate

3.65%

APR 3.67%

Prime −0.80% (3.65%)

High-ratio insured

Estimated total cost over 5 years:

$157,475

Standard

BlueShore Financial

5-year variable

Rate

3.75%

APR 3.77%

Prime −0.70% (3.75%)

High-ratio insured

Current estimated lender turnaround time: 5 business days

Estimated total cost over 5 years:

$161,874

Standard

CMLS Financial

5-year variable

Rate

3.75%

APR 3.77%

Prime −0.70% (3.75%)

High-ratio insured

Estimated total cost over 5 years:

$161,874

Standard - Transfer

Home Trust

5-year variable

Rate

3.75%

APR 3.77%

Prime −0.70% (3.75%)

High-ratio insured

Estimated total cost over 5 years:

$161,874

Standard - Insured Purchase / Switch

Marathon Mortgage

5-year variable

Rate

3.75%

APR 3.77%

Prime −0.70% (3.75%)

High-ratio insured

Estimated total cost over 5 years:

$161,874

Standard Rates (90 day)

MCAN Home - Precision Prime for Insured

5-year variable

Rate

3.75%

APR 3.77%

Prime −0.70% (3.75%)

High-ratio insured

Estimated total cost over 5 years:

$161,874

Standard

MCAP

5-year variable

Rate

3.75%

APR 3.77%

Prime −0.70% (3.75%)

High-ratio insured

Estimated total cost over 5 years:

$161,874

Standard Special

RFA

5-year variable

Rate

3.75%

APR 3.77%

Prime −0.70% (3.75%)

High-ratio insured

Estimated total cost over 5 years:

$161,874

Standard

R

RMG Mortgages

5-year variable

Rate

3.75%

APR 3.77%

Prime −0.70% (3.75%)

High-ratio insured

Estimated total cost over 5 years:

$161,874

Standard Special

B2B Bank

5-year variable

Rate

3.85%

APR 3.87%

Prime −0.60% (3.85%)

High-ratio insured

Estimated total cost over 5 years:

$166,277

Standard (**see notes for more details)

Envision Financial

5-year variable

Rate

3.85%

APR 3.87%

Prime −0.60% (3.85%)

High-ratio insured

Estimated total cost over 5 years:

$166,277

Standard - Insured

Island Savings

5-year variable

Rate

3.85%

APR 3.87%

Prime −0.60% (3.85%)

High-ratio insured

Estimated total cost over 5 years:

$166,277

Standard - Insured

Valley First

5-year variable

Rate

3.85%

APR 3.87%

Prime −0.60% (3.85%)

High-ratio insured

Current estimated lender turnaround time: 5 business days

Estimated total cost over 5 years:

$166,277

Standard - Insured

Desjardins

5-year variable

Rate

3.95%

APR 3.97%

Prime −0.50% (3.95%)

High-ratio insured

Estimated total cost over 5 years:

$170,685

Standard ($1,000,000 and over)

Community Savings Credit Union

5-year variable

Rate

4.05%

APR 4.07%

Prime −0.40% (4.05%)

High-ratio insured

Estimated total cost over 5 years:

$175,096

Standard (see note for 30 year amortization)

TD Canada Trust

5-year variable

Rate

4.05%

APR 4.07%

Prime −0.40% (4.05%)

High-ratio insured

Estimated total cost over 5 years:

$175,096

Standard

APR (Annual Percentage Rate) is set by the lender and appears in their cost-of-borrowing disclosure. Pragmatic's effective rate and total-cost estimates include broker-paid rebates for comparison only and do not replace the lender's APR.