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Canadian mortgage tools · CAD

Current mortgage rates

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

14 offers shown of 14 matches. Compare the conditions, fees and lender-check times.

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lenders
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    Island Savings
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https://pragmatic.mortgage/rates?format=html&page=1
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https://pragmatic.mortgage/rates?format=html&page=1
Lender / mortgageAPRConditions and source
Island Savings logo
Island Savings5-year variable · INSURED
3.72%APRContract rate 3.7%
Conditions and lender check
product
Insured
notes
Tru Cooperative public 5 year variable rate (closed) - insured; insured mortgage rate.
conditions
transactions
  1. PURCHASE
  2. RENEWAL
occupancies
  1. OWNER
pricing Category
INSURED
ltv Min
80.01
ltv Max
95
mortgage Amount Min
$0.00
mortgage Amount Max
$99,999,999.99
property Value Min
1
property Value Max
1500000
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
2026-10-17T13:05:20.320Z
verification Evidence Expires At
2026-10-19T01:05:20.320Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

Island Savings logo
Island Savings5-year variable · UNINSURED
3.87%APRContract rate 3.85%
Conditions and lender check
product
Variable Closed
notes
Tru Cooperative public 5 year variable rate (closed); standard mortgage rate.
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
2026-10-17T13:05:20.320Z
verification Evidence Expires At
2026-10-19T01:05:20.320Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

Island Savings logo
Island Savings5-year fixed · INSURED
4.61%APRContract rate 4.59%
Conditions and lender check
product
Insured
notes
Tru Cooperative public 5 year fixed rate (closed) - insured; insured mortgage rate.
conditions
transactions
  1. PURCHASE
  2. RENEWAL
occupancies
  1. OWNER
pricing Category
INSURED
ltv Min
80.01
ltv Max
95
mortgage Amount Min
$0.00
mortgage Amount Max
$99,999,999.99
property Value Min
1
property Value Max
1500000
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
2026-10-17T13:05:20.320Z
verification Evidence Expires At
2026-10-19T01:05:20.320Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

Island Savings logo
Island Savings3-year fixed · UNINSURED
4.67%APRContract rate 4.64%
Conditions and lender check
product
Uninsured – 25 yr
notes
Tru Cooperative public 3 year fixed rate (closed); standard mortgage rate.
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
2026-10-17T13:05:20.320Z
verification Evidence Expires At
2026-10-19T01:05:20.320Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

Island Savings logo
Island Savings4-year fixed · UNINSURED
4.72%APRContract rate 4.69%
Conditions and lender check
product
Uninsured – 25 yr
notes
Tru Cooperative public 4 year fixed rate (closed); standard mortgage rate.
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
2026-10-17T13:05:20.320Z
verification Evidence Expires At
2026-10-19T01:05:20.320Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

Island Savings logo
Island Savings2-year fixed · UNINSURED
4.74%APRContract rate 4.69%
Conditions and lender check
product
Uninsured – 25 yr
notes
Tru Cooperative public 2 year fixed rate (closed); standard mortgage rate.
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
2026-10-17T13:05:20.320Z
verification Evidence Expires At
2026-10-19T01:05:20.320Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

Island Savings logo
Island Savings5-year fixed · UNINSURED
4.76%APRContract rate 4.74%
Conditions and lender check
product
Uninsured – 25 yr
notes
Tru Cooperative public 5 year fixed rate (closed); standard mortgage rate.
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
2026-10-17T13:05:20.320Z
verification Evidence Expires At
2026-10-19T01:05:20.320Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

Island Savings logo
Island Savings1-year fixed · UNINSURED
4.84%APRContract rate 4.74%
Conditions and lender check
product
Uninsured – 25 yr
notes
Tru Cooperative public 1 year fixed rate (closed); standard mortgage rate.
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
2026-10-17T13:05:20.320Z
verification Evidence Expires At
2026-10-19T01:05:20.320Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

Island Savings logo
Island Savings5-year variable · UNINSURED
4.87%APRContract rate 4.85%
Conditions and lender check
product
Variable Open
notes
Tru Cooperative public 5 year variable rate (open); standard mortgage rate.
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
2026-10-17T13:05:20.320Z
verification Evidence Expires At
2026-10-19T01:05:20.320Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

Island Savings logo
Island Savings0.5-year fixed · UNINSURED
6.84%APRContract rate 6.64%
Conditions and lender check
product
Uninsured – 25 yr
notes
Tru Cooperative public 6 month fixed rate (closed); standard mortgage rate.
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
2026-10-17T13:05:20.320Z
verification Evidence Expires At
2026-10-19T01:05:20.320Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

Island Savings logo
Island Savings7-year fixed · UNINSURED
7.41%APRContract rate 7.39%
Conditions and lender check
product
Uninsured – 25 yr
notes
Tru Cooperative public 7 year fixed rate (closed); standard mortgage rate.
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
2026-10-17T13:05:20.320Z
verification Evidence Expires At
2026-10-19T01:05:20.320Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

Island Savings logo
Island Savings10-year fixed · UNINSURED
7.65%APRContract rate 7.64%
Conditions and lender check
product
Uninsured – 25 yr
notes
Tru Cooperative public 10 year fixed rate (closed); standard mortgage rate.
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
2026-10-17T13:05:20.320Z
verification Evidence Expires At
2026-10-19T01:05:20.320Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

Island Savings logo
Island Savings1-year fixed · UNINSURED
7.80%APRContract rate 7.7%
Conditions and lender check
product
Fixed Open
notes
Tru Cooperative public 1 year fixed rate (open); standard mortgage rate.
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
2026-10-17T13:05:20.320Z
verification Evidence Expires At
2026-10-19T01:05:20.320Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

Island Savings logo
Island Savings0.5-year fixed · UNINSURED
7.90%APRContract rate 7.7%
Conditions and lender check
product
Fixed Open
notes
Tru Cooperative public 6 month fixed rate (open); standard mortgage rate.
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
2026-10-17T13:05:20.320Z
verification Evidence Expires At
2026-10-19T01:05:20.320Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

Scenario, coverage and assumptions
retrieved At
2026-10-18T09:55:37.717Z
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
Island Savings
page
1
page Size
100
total Matches
14
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

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