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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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    RBC Royal Bank
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https://pragmatic.mortgage/rates?format=html&page=1
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Lender / mortgageAPRConditions and source
RBC Royal Bank5-year variable · UNINSURED
4.18%APRContract rate 4.15%
Conditions and lender check
product
Uninsured – 25 yr
notes
RBC public special offer; 5 Year Closed; up to 25 year amortization. Subject to lender approval.
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
amortization Max Years
25
transactions
  1. PURCHASE
  2. RENEWAL
occupancies
  1. OWNER
regions
Not supplied
programs
Not supplied
estimate
Not supplied
lender Source Checked At
2026-10-17T13:05:56.574Z
verification Evidence Expires At
2026-10-19T01:05:56.574Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

RBC Royal Bank5-year variable · UNINSURED
4.28%APRContract rate 4.25%
Conditions and lender check
product
Uninsured – 30 yr
notes
RBC public special offer; 5 Year Closed; greater than 25 year amortization. Subject to lender approval.
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
30
first Time Buyer Only
No
new Build Only
No
switch Only
No
program Mode
standard
program
amortization Max Years
30
amortization Min Years
25.01
transactions
  1. PURCHASE
  2. RENEWAL
occupancies
  1. OWNER
regions
Not supplied
programs
Not supplied
estimate
Not supplied
lender Source Checked At
2026-10-17T13:05:56.574Z
verification Evidence Expires At
2026-10-19T01:05:56.574Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

RBC Royal Bank3-year fixed · UNINSURED
5.03%APRContract rate 4.99%
Conditions and lender check
product
Uninsured – 25 yr
notes
RBC public special offer; 3 Year Closed; up to 25 year amortization. Subject to lender approval.
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
amortization Max Years
25
transactions
  1. PURCHASE
  2. RENEWAL
occupancies
  1. OWNER
regions
Not supplied
programs
Not supplied
estimate
Not supplied
lender Source Checked At
2026-10-17T13:05:56.574Z
verification Evidence Expires At
2026-10-19T01:05:56.574Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

RBC Royal Bank4-year fixed · UNINSURED
5.07%APRContract rate 5.04%
Conditions and lender check
product
Uninsured – 25 yr
notes
RBC public special offer; 4 Year Closed; up to 25 year amortization. Subject to lender approval.
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
amortization Max Years
25
transactions
  1. PURCHASE
  2. RENEWAL
occupancies
  1. OWNER
regions
Not supplied
programs
Not supplied
estimate
Not supplied
lender Source Checked At
2026-10-17T13:05:56.574Z
verification Evidence Expires At
2026-10-19T01:05:56.574Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

RBC Royal Bank3-year fixed · UNINSURED
5.13%APRContract rate 5.09%
Conditions and lender check
product
Uninsured – 30 yr
notes
RBC public special offer; 3 Year Closed; greater than 25 year amortization. Subject to lender approval.
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
30
first Time Buyer Only
No
new Build Only
No
switch Only
No
program Mode
standard
program
amortization Max Years
30
amortization Min Years
25.01
transactions
  1. PURCHASE
  2. RENEWAL
occupancies
  1. OWNER
regions
Not supplied
programs
Not supplied
estimate
Not supplied
lender Source Checked At
2026-10-17T13:05:56.574Z
verification Evidence Expires At
2026-10-19T01:05:56.574Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

RBC Royal Bank4-year fixed · UNINSURED
5.17%APRContract rate 5.14%
Conditions and lender check
product
Uninsured – 30 yr
notes
RBC public special offer; 4 Year Closed; greater than 25 year amortization. Subject to lender approval.
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
30
first Time Buyer Only
No
new Build Only
No
switch Only
No
program Mode
standard
program
amortization Max Years
30
amortization Min Years
25.01
transactions
  1. PURCHASE
  2. RENEWAL
occupancies
  1. OWNER
regions
Not supplied
programs
Not supplied
estimate
Not supplied
lender Source Checked At
2026-10-17T13:05:56.574Z
verification Evidence Expires At
2026-10-19T01:05:56.574Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

RBC Royal Bank5-year fixed · UNINSURED
5.17%APRContract rate 5.14%
Conditions and lender check
product
Uninsured – 25 yr
notes
RBC public special offer; 5 Year Closed; up to 25 year amortization. Subject to lender approval.
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
amortization Max Years
25
transactions
  1. PURCHASE
  2. RENEWAL
occupancies
  1. OWNER
regions
Not supplied
programs
Not supplied
estimate
Not supplied
lender Source Checked At
2026-10-17T13:05:56.574Z
verification Evidence Expires At
2026-10-19T01:05:56.574Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

RBC Royal Bank2-year fixed · UNINSURED
5.20%APRContract rate 5.14%
Conditions and lender check
product
Uninsured – 25 yr
notes
RBC public special offer; 2 Year Closed; up to 25 year amortization. Subject to lender approval.
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
amortization Max Years
25
transactions
  1. PURCHASE
  2. RENEWAL
occupancies
  1. OWNER
regions
Not supplied
programs
Not supplied
estimate
Not supplied
lender Source Checked At
2026-10-17T13:05:56.574Z
verification Evidence Expires At
2026-10-19T01:05:56.574Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

RBC Royal Bank1-year fixed · UNINSURED
5.27%APRContract rate 5.14%
Conditions and lender check
product
Uninsured – 25 yr
notes
RBC public special offer; 1 Year Closed; up to 25 year amortization. Subject to lender approval.
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
amortization Max Years
25
transactions
  1. PURCHASE
  2. RENEWAL
occupancies
  1. OWNER
regions
Not supplied
programs
Not supplied
estimate
Not supplied
lender Source Checked At
2026-10-17T13:05:56.574Z
verification Evidence Expires At
2026-10-19T01:05:56.574Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

RBC Royal Bank5-year fixed · UNINSURED
5.27%APRContract rate 5.24%
Conditions and lender check
product
Uninsured – 30 yr
notes
RBC public special offer; 5 Year Closed; greater than 25 year amortization. Subject to lender approval.
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
30
first Time Buyer Only
No
new Build Only
No
switch Only
No
program Mode
standard
program
amortization Max Years
30
amortization Min Years
25.01
transactions
  1. PURCHASE
  2. RENEWAL
occupancies
  1. OWNER
regions
Not supplied
programs
Not supplied
estimate
Not supplied
lender Source Checked At
2026-10-17T13:05:56.574Z
verification Evidence Expires At
2026-10-19T01:05:56.574Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

RBC Royal Bank7-year fixed · UNINSURED
5.27%APRContract rate 5.25%
Conditions and lender check
product
Uninsured – 25 yr
notes
RBC public special offer; 7 Year Closed; up to 25 year amortization. Subject to lender approval.
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
amortization Max Years
25
transactions
  1. PURCHASE
  2. RENEWAL
occupancies
  1. OWNER
regions
Not supplied
programs
Not supplied
estimate
Not supplied
lender Source Checked At
2026-10-17T13:05:56.574Z
verification Evidence Expires At
2026-10-19T01:05:56.574Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

RBC Royal Bank2-year fixed · UNINSURED
5.30%APRContract rate 5.24%
Conditions and lender check
product
Uninsured – 30 yr
notes
RBC public special offer; 2 Year Closed; greater than 25 year amortization. Subject to lender approval.
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
30
first Time Buyer Only
No
new Build Only
No
switch Only
No
program Mode
standard
program
amortization Max Years
30
amortization Min Years
25.01
transactions
  1. PURCHASE
  2. RENEWAL
occupancies
  1. OWNER
regions
Not supplied
programs
Not supplied
estimate
Not supplied
lender Source Checked At
2026-10-17T13:05:56.574Z
verification Evidence Expires At
2026-10-19T01:05:56.574Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

RBC Royal Bank1-year fixed · UNINSURED
5.37%APRContract rate 5.24%
Conditions and lender check
product
Uninsured – 30 yr
notes
RBC public special offer; 1 Year Closed; greater than 25 year amortization. Subject to lender approval.
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
30
first Time Buyer Only
No
new Build Only
No
switch Only
No
program Mode
standard
program
amortization Max Years
30
amortization Min Years
25.01
transactions
  1. PURCHASE
  2. RENEWAL
occupancies
  1. OWNER
regions
Not supplied
programs
Not supplied
estimate
Not supplied
lender Source Checked At
2026-10-17T13:05:56.574Z
verification Evidence Expires At
2026-10-19T01:05:56.574Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

RBC Royal Bank7-year fixed · UNINSURED
5.37%APRContract rate 5.35%
Conditions and lender check
product
Uninsured – 30 yr
notes
RBC public special offer; 7 Year Closed; greater than 25 year amortization. Subject to lender approval.
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
30
first Time Buyer Only
No
new Build Only
No
switch Only
No
program Mode
standard
program
amortization Max Years
30
amortization Min Years
25.01
transactions
  1. PURCHASE
  2. RENEWAL
occupancies
  1. OWNER
regions
Not supplied
programs
Not supplied
estimate
Not supplied
lender Source Checked At
2026-10-17T13:05:56.574Z
verification Evidence Expires At
2026-10-19T01:05:56.574Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

Scenario, coverage and assumptions
retrieved At
2026-10-18T09:55:11.945Z
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
RBC Royal Bank
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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