★ LIVE RATES
5-Yr Fixed4.09%↓ 0.05
5-Yr Variable3.40%→ 0.00
3-Yr Fixed4.04%↓ 0.05
4-Yr Fixed4.14%↓ 0.04
2-Yr Fixed4.29%→ 0.00
1-Yr Fixed4.74%↑ 0.02
10-Yr Fixed4.99%↓ 0.05
3-Yr Variable3.60%→ 0.00
5-Yr Fixed4.09%↓ 0.05
5-Yr Variable3.40%→ 0.00
3-Yr Fixed4.04%↓ 0.05
4-Yr Fixed4.14%↓ 0.04
2-Yr Fixed4.29%→ 0.00
1-Yr Fixed4.74%↑ 0.02
10-Yr Fixed4.99%↓ 0.05
3-Yr Variable3.60%→ 0.00
RATES DASHBOARD · Jun 19, 2026
All Canadian mortgage rates. Live. One screen.
BEST 5-YR FIXED4.09%Nesto · ↓0.05
BoC POLICY2.25%last cut: Jul 2025
PRIME RATE4.45%BoC + 2.20%
GoC 5-YR BOND3.18%↓0.04 (drives fixed)
5-Yr FixedBEST OVERALL
↓ 0.054.09%
5-Yr VariableCHEAPEST RATE
→ 0.003.40%
3-Yr FixedPOPULAR · SHORTER
↓ 0.054.04%
4-Yr FixedMIDDLE GROUND
↓ 0.044.14%
2-Yr FixedBRIDGE-LIKE TERM
→ 0.004.29%
1-Yr FixedSHORTEST · MOST FLEX
↑ 0.024.74%
10-Yr FixedLONGEST · RATE LOCK
↓ 0.054.99%
3-Yr VariableSHORT + VARIABLE
→ 0.003.60%
★ PAYMENT AT TODAY'S RATE ★
Plug in your balance. See your payment.
MONTHLY PAYMENT$2,655at 4.09% · 5-Yr Fixed
Annual total$31,855
5-yr total$159,273
★ BANK OF CANADA POLICY RATE vs BANK PRIME · 36 MONTHS ★Prime tracks BoC + 2.20%.
When BoC moves, your variable mortgage moves.
From a peak of 5.00% BoC / 7.20% Prime to today's 2.25% BoC / 4.45% Prime — a 2.75-point drop. Fixed rates followed about 6 months behind.
━ Bank Prime (BoC + 2.20%)━ BoC Policy Rate
Jul-23Jan-24Jul-24Jan-25Jul-25Jan-26Jun-26
★ 8 LENDERS · LIVE COMPARISON ★Online brokers vs Big-6
Best in each column highlighted. Online brokers (Nesto, True North, Pine) consistently beat Big-6 banks by 0.10-0.25%.
LENDER
5-YR FIXED
5-YR VAR
3-YR FIXED
1-YR FIXED
YOUR QUESTIONS
Mortgage rates · straight answers