| Term | Insured (under 20% down) | Uninsured (20%+ down) | Big-bank posted | Average new loan (BoC) |
|---|---|---|---|---|
| 1-year | RBC Royal Bank · source · Nov 1 · page doesn't split insured$2,948.00/mo | RBC Royal Bank · source · Nov 1 · page doesn't split insured$2,948.00/mo | 5.49%wk of Oct 28 | 4.94% / 5.31%insured / uninsured, Aug 2026 |
| 2-year | Simplii Financial · source · Nov 2 · page doesn't split insured$2,862.65/mo | Simplii Financial · source · Nov 2 · page doesn't split insured$2,862.65/mo | — | 4.94% / 5.31%insured / uninsured, Aug 2026 |
| 3-year | BMO · source · Nov 2 · page doesn't split insured$2,890.97/mo | BMO · source · Nov 2 · page doesn't split insured$2,890.97/mo | 6.05%wk of Oct 28 | 4.02% / 4.13%insured / uninsured, Aug 2026 |
| 4-year | RBC Royal Bank · source · Nov 1 · page doesn't split insured$2,919.42/mo | RBC Royal Bank · source · Nov 1 · page doesn't split insured$2,919.42/mo | — | 4.02% / 4.13%insured / uninsured, Aug 2026 |
| 5-year | National Bank · source · Nov 2$2,820.42/mo | BMO · source · Nov 2 · page doesn't split insured$2,948.00/mo | 6.19%wk of Oct 28 | 4.12% / 4.58%insured / uninsured, Aug 2026 |
| 7-year | RBC Royal Bank · source · Nov 1 · page doesn't split insured$2,979.59/mo | RBC Royal Bank · source · Nov 1 · page doesn't split insured$2,979.59/mo | — | 4.12% / 4.58%insured / uninsured, Aug 2026 |
| 10-year | Tangerine · source · Nov 2 · page doesn't split insured$3,169.37/mo | Tangerine · source · Nov 2 · page doesn't split insured$3,169.37/mo | — | 4.12% / 4.58%insured / uninsured, Aug 2026 |
Monthly payment at each rate, 25-year amortization. Full calculator
Rates are read off each lender's own website on the date shown and kept as published. They're not quotes: your rate depends on your down payment, credit, property and the lender's rules. "Big-bank posted" and "Average new loan" are Bank of Canada series with their own dates.See every rate we collected · How we collect rates · Download the data
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