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Canadian mortgage tools · CAD

Current mortgage rates

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

18 offers shown of 18 matches. Compare the conditions, fees and lender-check times.

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filters
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  3. filter
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  4. filter
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lenders
  1. lender
    Prospera
  2. lender
    CoastCapital Savings
  3. lender
    First National Financial
  4. lender
    Manulife
  5. lender
    BMO Bank of Montreal
  6. lender
    Scotiabank
  7. lender
    Community Savings Credit Union
  8. lender
    TD Canada Trust
  9. lender
    Desjardins
  10. lender
    B2B Bank
  11. lender
    Valley First
  12. lender
    Island Savings
  13. lender
    Envision Financial
  14. lender
    CMLS Financial
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Not supplied
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https://pragmatic.mortgage/rates?format=html&page=1
Lender / mortgageAPRConditions and source
Prospera logo
Prospera10-year fixed · UNINSURED
5.24%APR · estimate
Conditions and lender check
product
Uninsured – 25 yr
notes
Prospera advertised public mortgage rate; 10-Year Closed.
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
2026-10-17T13:05:54.555Z
verification Evidence Expires At
2026-10-19T01:05:54.555Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

CoastCapital Savings logo
CoastCapital Savings10-year fixed · UNINSURED
5.44%APR · estimate
Conditions and lender check
product
Uninsured – 25 yr
notes
10-Year Fixed Rate - Closed (up to 25-year amortization).
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
2026-10-17T13:04:51.052Z
verification Evidence Expires At
2026-10-19T01:04:51.052Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

CoastCapital Savings logo
CoastCapital Savings10-year fixed · UNINSURED
5.54%APR · estimate
Conditions and lender check
product
Uninsured – 30 yr
notes
10-Year Fixed Rate - Closed (more than 25-year amortization).
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
1
property Value Max
5000000
amortization Max Years
30
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
2026-10-17T13:04:51.052Z
verification Evidence Expires At
2026-10-19T01:04:51.052Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

First National Financial logo
First National Financial10-year fixed · INSURED
5.74%APR · estimate
Conditions and lender check
product
Insured
notes
First National posted fixed closed mortgage rate; Insured; 10 year.
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
2026-10-17T13:05:15.054Z
verification Evidence Expires At
2026-10-19T01:05:15.054Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

First National Financial logo
First National Financial10-year fixed · UNINSURED
5.74%APR · estimate
Conditions and lender check
product
Uninsured – 25 yr
notes
First National posted fixed closed mortgage rate; Conventional; 10 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
2026-10-17T13:05:15.054Z
verification Evidence Expires At
2026-10-19T01:05:15.054Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

Manulife logo
Manulife10-year fixed · UNINSURED
6.69%APR · estimate
Conditions and lender check
product
Uninsured – 25 yr
notes
Manulife Bank Select posted closed fixed mortgage rate; 10-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
2026-10-17T13:05:21.750Z
verification Evidence Expires At
2026-10-19T01:05:21.750Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

BMO Bank of Montreal10-year fixed · UNINSURED
6.71%APRContract rate 6.7%
Conditions and lender check
product
Posted Smart Fixed under 25 yr
notes
BMO public posted mortgage rate; 10 year low rate (closed); amortization under 25 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
2026-10-17T13:04:44.882Z
verification Evidence Expires At
2026-10-19T01:04:44.882Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

Scotiabank logo
Scotiabank10-year fixed · UNINSURED
6.80%APR · estimate
Conditions and lender check
product
Posted Fixed
notes
Scotiabank public posted closed fixed mortgage rate; 10 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
2026-10-17T13:06:01.017Z
verification Evidence Expires At
2026-10-19T01:06:01.017Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

Community Savings Credit Union logo
Community Savings Credit Union10-year fixed · UNINSURED
6.80%APR
Conditions and lender check
product
Uninsured – 25 yr
notes
Community Savings posted closed mortgage rate; 10-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
2026-10-17T13:04:57.370Z
verification Evidence Expires At
2026-10-19T01:04:57.370Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

BMO Bank of Montreal10-year fixed · UNINSURED
6.81%APRContract rate 6.8%
Conditions and lender check
product
Posted Fixed under 25 yr
notes
BMO public posted mortgage rate; 10 year(closed); amortization under 25 yr.
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
2026-10-17T13:04:44.882Z
verification Evidence Expires At
2026-10-19T01:04:44.882Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

BMO Bank of Montreal10-year fixed · UNINSURED
6.81%APRContract rate 6.8%
Conditions and lender check
product
Posted Fixed over 25 yr
notes
BMO public posted mortgage rate; 10 year(closed); amortization over 25 yr.
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
2026-10-17T13:04:44.882Z
verification Evidence Expires At
2026-10-19T01:04:44.882Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

TD Canada Trust logo
TD Canada Trust10-year fixed · UNINSURED
6.81%APRContract rate 6.8%
Conditions and lender check
product
Uninsured – 25 yr
notes
TD public mortgage rates API; 10 Year Fixed Closed; posted advertised 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
2026-10-17T13:07:03.982Z
verification Evidence Expires At
2026-10-19T01:07:03.982Z
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

B2B Bank logo
B2B Bank10-year fixed · UNINSURED
7.17%APRContract rate 7.14%
Conditions and lender check
product
Uninsured – 25 yr
notes
B2B Bank posted fixed mortgage rate; 10-year closed.
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
2026-10-17T13:04:41.290Z
verification Evidence Expires At
2026-10-19T01:04:41.290Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

Valley First logo
Valley First10-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
2026-10-17T13:07:04.835Z
verification Evidence Expires At
2026-10-19T01:07:04.835Z
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

Envision Financial logo
Envision Financial10-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
2026-10-17T13:05:06.220Z
verification Evidence Expires At
2026-10-19T01:05:06.220Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

CMLS Financial logo
CMLS Financial10-year fixed · UNINSURED
8.09%APR · estimate
Conditions and lender check
product
Standard
notes
CMLS public standard fixed mortgage rate; FIXED 10 YEAR MORTGAGES.
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
1
property Value Max
5000000
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
2026-10-17T13:04:49.552Z
verification Evidence Expires At
2026-10-19T01:04:49.552Z
rate Hold
Not supplied. Source verification expiry is not a rate hold or commitment.

Lender source

Scenario, coverage and assumptions
retrieved At
2026-10-18T09:53:36.510Z
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
term Years
10
page
1
page Size
100
total Matches
18
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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