pragmatic.

Canadian mortgage tools · CAD

Current mortgage rates

Current public data and calculations from Pragmatic Mortgage. Anonymous access; no account required.

10 offers shown of 10 matches. Compare the conditions, fees and lender-check times.

Refine these rates

Each link changes one rate filter and keeps the other scenario details. Published eligibility rules still apply. Select a lender name to see its matching offers.

All lenders · Clear rate filters

Links for assistants

Text-only readers: use these exact URLs. They refine the current scenario without JavaScript or login.

filters
  1. filter
    Term
    choices
    1. choice
      All terms
    2. choice
      1 year
    3. choice
      2 years
    4. choice
      3 years
    5. choice
      4 years
    6. choice
      5 years
    7. choice
      6 years
    8. choice
      7 years
    9. choice
      10 years
  2. filter
    Rate type
  3. filter
    Insurance
  4. filter
    Purpose
lenders
  1. lender
    Desjardins
all Lenders
https://pragmatic.mortgage/rates?format=html&page=1
clear Filters
https://pragmatic.mortgage/rates?format=html&page=1
Lender / mortgageAPRConditions and source
Desjardins logo
Desjardins5-year variable · UNINSURED
4.10%APR · estimate
Conditions and lender check
product
Uninsured – 25 yr
notes
Desjardins advertised special closed reduced variable mortgage rate; standard variable rate 4.45%.
conditions
transactions
  1. PURCHASE
  2. RENEWAL
  3. REFINANCE
occupancies
  1. OWNER
  2. OWNER_PLUS_RENTAL
  3. SECOND_HOME
pricing Category
UNINSURED
ltv Min
0.01
ltv Max
80
mortgage Amount Min
$0.00
mortgage Amount Max
$99,999,999.99
property Value Min
Not supplied
property Value Max
Not supplied
amortization Max Years
25
first Time Buyer Only
No
new Build Only
No
switch Only
No
program Mode
standard
program
transactions
Not supplied
occupancies
Not supplied
regions
Not supplied
programs
Not supplied
estimate
Not supplied
lender Source Checked At
2026-10-17T13:05:00.684Z
verification Evidence Expires At
2026-10-19T01:05:00.684Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

Desjardins logo
Desjardins4-year fixed · UNINSURED
4.59%APR · estimate
Conditions and lender check
product
Uninsured – 25 yr
notes
Desjardins advertised special closed fixed mortgage rate; 4 year; standard rate 6.09%.
conditions
transactions
  1. PURCHASE
  2. RENEWAL
  3. REFINANCE
occupancies
  1. OWNER
  2. OWNER_PLUS_RENTAL
  3. SECOND_HOME
pricing Category
UNINSURED
ltv Min
0.01
ltv Max
80
mortgage Amount Min
$0.00
mortgage Amount Max
$99,999,999.99
property Value Min
Not supplied
property Value Max
Not supplied
amortization Max Years
25
first Time Buyer Only
No
new Build Only
No
switch Only
No
program Mode
standard
program
transactions
Not supplied
occupancies
Not supplied
regions
Not supplied
programs
Not supplied
estimate
Not supplied
lender Source Checked At
2026-10-17T13:05:00.684Z
verification Evidence Expires At
2026-10-19T01:05:00.684Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

Desjardins logo
Desjardins5-year fixed · UNINSURED
4.69%APR · estimate
Conditions and lender check
product
Uninsured – 25 yr
notes
Desjardins advertised special closed fixed mortgage rate; 5 year; standard rate 6.14%.
conditions
transactions
  1. PURCHASE
  2. RENEWAL
  3. REFINANCE
occupancies
  1. OWNER
  2. OWNER_PLUS_RENTAL
  3. SECOND_HOME
pricing Category
UNINSURED
ltv Min
0.01
ltv Max
80
mortgage Amount Min
$0.00
mortgage Amount Max
$99,999,999.99
property Value Min
Not supplied
property Value Max
Not supplied
amortization Max Years
25
first Time Buyer Only
No
new Build Only
No
switch Only
No
program Mode
standard
program
transactions
Not supplied
occupancies
Not supplied
regions
Not supplied
programs
Not supplied
estimate
Not supplied
lender Source Checked At
2026-10-17T13:05:00.684Z
verification Evidence Expires At
2026-10-19T01:05:00.684Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

Desjardins logo
Desjardins1-year fixed · UNINSURED
5.49%APR · estimate
Conditions and lender check
product
Uninsured – 25 yr
notes
Desjardins posted closed fixed mortgage rate; 1 year.
conditions
transactions
  1. PURCHASE
  2. RENEWAL
  3. REFINANCE
occupancies
  1. OWNER
  2. OWNER_PLUS_RENTAL
  3. SECOND_HOME
pricing Category
UNINSURED
ltv Min
0.01
ltv Max
80
mortgage Amount Min
$0.00
mortgage Amount Max
$99,999,999.99
property Value Min
Not supplied
property Value Max
Not supplied
amortization Max Years
25
first Time Buyer Only
No
new Build Only
No
switch Only
No
program Mode
standard
program
transactions
Not supplied
occupancies
Not supplied
regions
Not supplied
programs
Not supplied
estimate
Not supplied
lender Source Checked At
2026-10-17T13:05:00.684Z
verification Evidence Expires At
2026-10-19T01:05:00.684Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

Desjardins logo
Desjardins2-year fixed · UNINSURED
5.59%APR · estimate
Conditions and lender check
product
Uninsured – 25 yr
notes
Desjardins posted closed fixed mortgage rate; 2 years.
conditions
transactions
  1. PURCHASE
  2. RENEWAL
  3. REFINANCE
occupancies
  1. OWNER
  2. OWNER_PLUS_RENTAL
  3. SECOND_HOME
pricing Category
UNINSURED
ltv Min
0.01
ltv Max
80
mortgage Amount Min
$0.00
mortgage Amount Max
$99,999,999.99
property Value Min
Not supplied
property Value Max
Not supplied
amortization Max Years
25
first Time Buyer Only
No
new Build Only
No
switch Only
No
program Mode
standard
program
transactions
Not supplied
occupancies
Not supplied
regions
Not supplied
programs
Not supplied
estimate
Not supplied
lender Source Checked At
2026-10-17T13:05:00.684Z
verification Evidence Expires At
2026-10-19T01:05:00.684Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

Desjardins logo
Desjardins3-year fixed · UNINSURED
6.04%APR · estimate
Conditions and lender check
product
Uninsured – 25 yr
notes
Desjardins posted closed fixed mortgage rate; 3 years.
conditions
transactions
  1. PURCHASE
  2. RENEWAL
  3. REFINANCE
occupancies
  1. OWNER
  2. OWNER_PLUS_RENTAL
  3. SECOND_HOME
pricing Category
UNINSURED
ltv Min
0.01
ltv Max
80
mortgage Amount Min
$0.00
mortgage Amount Max
$99,999,999.99
property Value Min
Not supplied
property Value Max
Not supplied
amortization Max Years
25
first Time Buyer Only
No
new Build Only
No
switch Only
No
program Mode
standard
program
transactions
Not supplied
occupancies
Not supplied
regions
Not supplied
programs
Not supplied
estimate
Not supplied
lender Source Checked At
2026-10-17T13:05:00.684Z
verification Evidence Expires At
2026-10-19T01:05:00.684Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

Desjardins logo
Desjardins6-year fixed · UNINSURED
6.29%APR · estimate
Conditions and lender check
product
Uninsured – 25 yr
notes
Desjardins posted closed fixed mortgage rate; 6 years.
conditions
transactions
  1. PURCHASE
  2. RENEWAL
  3. REFINANCE
occupancies
  1. OWNER
  2. OWNER_PLUS_RENTAL
  3. SECOND_HOME
pricing Category
UNINSURED
ltv Min
0.01
ltv Max
80
mortgage Amount Min
$0.00
mortgage Amount Max
$99,999,999.99
property Value Min
Not supplied
property Value Max
Not supplied
amortization Max Years
25
first Time Buyer Only
No
new Build Only
No
switch Only
No
program Mode
standard
program
transactions
Not supplied
occupancies
Not supplied
regions
Not supplied
programs
Not supplied
estimate
Not supplied
lender Source Checked At
2026-10-17T13:05:00.684Z
verification Evidence Expires At
2026-10-19T01:05:00.684Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

Desjardins logo
Desjardins7-year fixed · UNINSURED
6.39%APR · estimate
Conditions and lender check
product
Uninsured – 25 yr
notes
Desjardins posted closed fixed mortgage rate; 7 years.
conditions
transactions
  1. PURCHASE
  2. RENEWAL
  3. REFINANCE
occupancies
  1. OWNER
  2. OWNER_PLUS_RENTAL
  3. SECOND_HOME
pricing Category
UNINSURED
ltv Min
0.01
ltv Max
80
mortgage Amount Min
$0.00
mortgage Amount Max
$99,999,999.99
property Value Min
Not supplied
property Value Max
Not supplied
amortization Max Years
25
first Time Buyer Only
No
new Build Only
No
switch Only
No
program Mode
standard
program
transactions
Not supplied
occupancies
Not supplied
regions
Not supplied
programs
Not supplied
estimate
Not supplied
lender Source Checked At
2026-10-17T13:05:00.684Z
verification Evidence Expires At
2026-10-19T01:05:00.684Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

Desjardins logo
Desjardins10-year fixed · UNINSURED
6.89%APR · estimate
Conditions and lender check
product
Uninsured – 25 yr
notes
Desjardins posted closed fixed mortgage rate; 10 years.
conditions
transactions
  1. PURCHASE
  2. RENEWAL
  3. REFINANCE
occupancies
  1. OWNER
  2. OWNER_PLUS_RENTAL
  3. SECOND_HOME
pricing Category
UNINSURED
ltv Min
0.01
ltv Max
80
mortgage Amount Min
$0.00
mortgage Amount Max
$99,999,999.99
property Value Min
Not supplied
property Value Max
Not supplied
amortization Max Years
25
first Time Buyer Only
No
new Build Only
No
switch Only
No
program Mode
standard
program
transactions
Not supplied
occupancies
Not supplied
regions
Not supplied
programs
Not supplied
estimate
Not supplied
lender Source Checked At
2026-10-17T13:05:00.684Z
verification Evidence Expires At
2026-10-19T01:05:00.684Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

Desjardins logo
Desjardins0.5-year fixed · UNINSURED
7.99%APR · estimate
Conditions and lender check
product
Uninsured – 25 yr
notes
Desjardins posted closed fixed mortgage rate; 6 months.
conditions
transactions
  1. PURCHASE
  2. RENEWAL
  3. REFINANCE
occupancies
  1. OWNER
  2. OWNER_PLUS_RENTAL
  3. SECOND_HOME
pricing Category
UNINSURED
ltv Min
0.01
ltv Max
80
mortgage Amount Min
$0.00
mortgage Amount Max
$99,999,999.99
property Value Min
Not supplied
property Value Max
Not supplied
amortization Max Years
25
first Time Buyer Only
No
new Build Only
No
switch Only
No
program Mode
standard
program
transactions
Not supplied
occupancies
Not supplied
regions
Not supplied
programs
Not supplied
estimate
Not supplied
lender Source Checked At
2026-10-17T13:05:00.684Z
verification Evidence Expires At
2026-10-19T01:05:00.684Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

Scenario, coverage and assumptions
retrieved At
2026-10-18T09:55:13.405Z
currency
CAD
source Url
https://pragmatic.mortgage/rates
compare Url
https://pragmatic.mortgage/rates/explorer
methodology Url
https://pragmatic.mortgage/rates/methodology
coverage
All current advertised offers from the website's verified rate catalogue, before borrower eligibility matching. No lender or default term restriction. Follow pagination.nextUrl or pagination.nextInput until hasMore is false.
filters
lender
Desjardins
page
1
page Size
100
total Matches
10
ranking
Available APR, then stable offer ID. Not a whole-market best-rate or suitability recommendation.
freshness
Retrieval time is not lender verification time. Read each rateEvidence.verifiedAt and expiresAt. Expired or unverified offers are excluded; no historical quote is substituted.
notice
Published conditions are not personal eligibility or an approval. Use search_rates or compare_rates with anonymous scenario numbers to match offers. Brokerage services are British Columbia only.
All pagination details
page
1
page Size
100
has More
No
next Input
Not supplied
next Url
Not supplied

Open the full rate comparison → · Structured data (JSON)