Collected Nov 2, 2026
Every mortgage rate we collected from Canadian lenders
Short answer
264 closed mortgage rates from 18 Canadian lenders, each read off the lender's own website between Nov 1, 2026 and Nov 2, 2026: posted and special, fixed and variable, insured and uninsured. Filter and sort them, open each source page, or download the whole table as CSV.
| Lowest 20%+ down 5-yr special | 4.59%ATB Financial, Nov 1, 2026 |
|---|---|
| Highest 20%+ down 5-yr special | 5.39%TD, Nov 1, 2026 |
| Mortgage | $500,000, 25 years, 5-year term |
| Payment, lowest → highest | $2,792.44 → $3,020.02 |
| Interest gap over the term | $19,224across 19 collected 5-year specials |
Open this example in the calculator →Computed Nov 2, 2026.
| Lender | Term | Type | Insured | Kind | Rate | Fine print | Source |
|---|---|---|---|---|---|---|---|
| Servus Credit Union | 6-month | Fixed | Not split | posted | 5.49% | Convertible. Only a 'Rate' column value shown; Special Rate column empty. 'Rate' column (posted). Mortgages tab 'Effective: Thursday, October 15, 2026'. Servus Prime 4.70% as of… | page as of Oct 15, 2026 |
| Vancity | 6-month | Fixed | Not split | special | 5.49% APR 5.69% | Footnote ◊: new and renewing mortgages, LTV less than 75%, amortization 25 years or less, owner occupied. kind null: table is not labelled posted or special. The lender's page d… | page as of Oct 29, 2026 |
| TD | 6-month | Fixed | Not split | posted | 5.54% APR 5.75% | Convertible. | page |
| RBC Royal Bank | 6-month | Fixed | Not split | posted | 5.74% APR 5.99% | Convertible. | page |
| National Bank | 6-month | Fixed | Not split | posted | 6.09% APR 6.31% | page as of Nov 2, 2026 | |
| Scotiabank | 6-month | Fixed | Not split | posted | 6.09% | Flexible/closed. | page as of Nov 2, 2026 |
| Meridian Credit Union | 6-month | Fixed | Not split | posted | 7.84% APR 7.98% | Posted rates. 'The current Meridian Prime Rate is 4.70% as of October 29, 2026.' APR basis: $300,000, 25-yr amortization, $300 property-valuation fee. High Ratio = <20% down, pr… | page as of Oct 29, 2026 |
| Vancity | 1-year | Fixed | Insured | special | 4.35% APR 4.45% | Rate as of 2026-10-29. kind null: not labelled posted/special. Footnote ¤: less than 20% down, purchase price under $1,500,000, amortization 30 years or less, owner occupied, de… | page as of Oct 29, 2026 |
| Vancity | 1-year | Fixed | Not split | special | 4.55% APR 4.65% | Footnote ◊: new and renewing mortgages, LTV less than 75%, amortization 25 years or less, owner occupied. kind null: table is not labelled posted or special. The lender's page d… | page as of Oct 29, 2026 |
| Christian Credit Union | 1-year | Fixed | Not split | special | 4.74% | 'Best Rate' column. Page 'Effective October 29, 2026.' 'Christian Credit Union Prime Rate: 4.70%'. 'Mortgage qualifying rate: 6.64%'. Profit sharing eligible (not guaranteed). | page as of Oct 29, 2026 |
| Lakeland Credit Union | 1-year | Fixed | Insured | special | 4.74% | 'Insured Mortgages Rates' MVP Rate column. 'MVP Rate*' = Member Value Pricing. '*Terms & conditions apply. Rates subject to change without notice. Prime rate: 4.70%'. No as-of d… | page |
| Lakeland Credit Union | 1-year | Fixed | Uninsured | special | 4.84% | 'Conventional Mortgages Rates' MVP Rate column. 'MVP Rate*' = Member Value Pricing. '*Terms & conditions apply. Rates subject to change without notice. Prime rate: 4.70%'. No as… | page |
| Servus Credit Union | 1-year | Fixed | Not split | special | 4.94% | 'Special Rate' column. Footnote 1: 'Special rates are for owner occupied properties with amortization of 25 years or less and are subject to Servus lending criteria. Other condi… | page as of Oct 15, 2026 |
| Christian Credit Union | 1-year | Fixed | Not split | special | 4.99% | UltraFlex product. Page 'Effective October 29, 2026.' 'Christian Credit Union Prime Rate: 4.70%'. 'Mortgage qualifying rate: 6.64%'. Profit sharing eligible (not guaranteed). | page as of Oct 29, 2026 |
| Bow Valley Credit Union | 1-year | Fixed | Not split | special | 5.14% | 'Special Rate' with asterisk (no footnote text found for the asterisk). Page: 'BVCU's CDN Prime Rate is 4.45%. Rates are subject to change without notice at any time.' No as-of … | page |
| First National Financial | 1-year | Fixed | Not split | posted | 5.14% | Excalibur (alternative/credit-tiered) program, credit score band 680+. Insured status and open/closed not stated (assumed closed). Section 'Posted Rates'. 'Rates effective as of… | page as of Oct 29, 2026 |
| RBC Royal Bank | 1-year | Fixed | Not split | special | 5.14% APR 5.27% | Special rate for purchase and switch transactions, amortization 25 years or less. | page |
| Vision Credit Union | 1-year | Fixed | Not split | posted | 5.24% | 'Posted Rates' column. Page also shows 'Potential Profit Share Rate' 3.93% for this term - an illustrative after-profit-share figure, NOT a contract rate, so not recorded as a s… | page as of Sep 29, 2026 |
| First National Financial | 1-year | Fixed | Not split | posted | 5.29% | Excalibur (alternative/credit-tiered) program, credit score band 650-679. Insured status and open/closed not stated (assumed closed). Section 'Posted Rates'. 'Rates effective as… | page as of Oct 29, 2026 |
| National Bank | 1-year | Fixed | Not split | special | 5.49% APR 5.61% | Promotional rate. | page as of Nov 2, 2026 |
| National Bank | 1-year | Fixed | Not split | posted | 5.49% APR 5.61% | page as of Nov 2, 2026 | |
| Scotiabank | 1-year | Fixed | Not split | posted | 5.49% | page as of Nov 2, 2026 | |
| Servus Credit Union | 1-year | Fixed | Not split | posted | 5.49% | 'Rate' column (posted). Mortgages tab 'Effective: Thursday, October 15, 2026'. Servus Prime 4.70% as of October 29, 2026. | page as of Oct 15, 2026 |
| First National Financial | 1-year | Fixed | Not split | posted | 5.54% | Excalibur (alternative/credit-tiered) program, credit score band 600-649. Insured status and open/closed not stated (assumed closed). Section 'Posted Rates'. 'Rates effective as… | page as of Oct 29, 2026 |
| TD | 1-year | Fixed | Not split | posted | 5.69% APR 5.79% | page | |
| First National Financial | 1-year | Fixed | Insured | posted | 5.74% | Row 'Insured'. Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgage… | page as of Oct 29, 2026 |
| First National Financial | 1-year | Fixed | Insurable | posted | 5.74% | Row 'Insurable up to 65% LTV'. insured value 'insurable' = page's Insurable LTV tier (lender-insured, borrower 20%+ down). Section 'Posted Rates'. 'Rates effective as of Thursda… | page as of Oct 29, 2026 |
| First National Financial | 1-year | Fixed | Insurable | posted | 5.74% | Row 'Insurable > 65% - 70% LTV'. insured value 'insurable' = page's Insurable LTV tier (lender-insured, borrower 20%+ down). Section 'Posted Rates'. 'Rates effective as of Thurs… | page as of Oct 29, 2026 |
| First National Financial | 1-year | Fixed | Insurable | posted | 5.74% | Row 'Insurable > 70% - 75% LTV'. insured value 'insurable' = page's Insurable LTV tier (lender-insured, borrower 20%+ down). Section 'Posted Rates'. 'Rates effective as of Thurs… | page as of Oct 29, 2026 |
| First National Financial | 1-year | Fixed | Insurable | posted | 5.74% | Row 'Insurable > 75% - 80% LTV'. insured value 'insurable' = page's Insurable LTV tier (lender-insured, borrower 20%+ down). Section 'Posted Rates'. 'Rates effective as of Thurs… | page as of Oct 29, 2026 |
| First National Financial | 1-year | Fixed | Uninsured | posted | 5.74% | Row 'Conventional'. Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mor… | page as of Oct 29, 2026 |
| RBC Royal Bank | 1-year | Fixed | Not split | posted | 5.74% APR 5.87% | page | |
| First National Financial | 1-year | Fixed | Not split | posted | 5.79% | Excalibur (alternative/credit-tiered) program, credit score band 580-599. Insured status and open/closed not stated (assumed closed). Section 'Posted Rates'. 'Rates effective as… | page as of Oct 29, 2026 |
| Tangerine | 1-year | Fixed | Not split | special | 5.99% | Tangerine's published rates (the page doesn't call them posted or special). | page |
| First National Financial | 1-year | Fixed | Not split | posted | 6.04% | Excalibur (alternative/credit-tiered) program, credit score band < 580. Insured status and open/closed not stated (assumed closed). Section 'Posted Rates'. 'Rates effective as o… | page as of Oct 29, 2026 |
| ATB Financial | 1-year | Fixed | Not split | special | 6.09% APR 6.19% | 'Client Rates' tab, closed fixed; insured status not stated for these rows. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120… | page |
| Meridian Credit Union | 1-year | Fixed | Not split | posted | 6.09% APR 6.19% | Posted rates. 'The current Meridian Prime Rate is 4.70% as of October 29, 2026.' APR basis: $300,000, 25-yr amortization, $300 property-valuation fee. High Ratio = <20% down, pr… | page as of Oct 29, 2026 |
| ATB Financial | 1-year | Fixed | Uninsured | posted | 7.14% | 'Posted Rates' tab, closed fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinan… | page |
| Lakeland Credit Union | 2-year | Fixed | Insured | special | 4.39% | 'Insured Mortgages Rates' MVP Rate column. 'MVP Rate*' = Member Value Pricing. '*Terms & conditions apply. Rates subject to change without notice. Prime rate: 4.70%'. No as-of d… | page |
| Lakeland Credit Union | 2-year | Fixed | Uninsured | special | 4.49% | 'Conventional Mortgages Rates' MVP Rate column. 'MVP Rate*' = Member Value Pricing. '*Terms & conditions apply. Rates subject to change without notice. Prime rate: 4.70%'. No as… | page |
| Bow Valley Credit Union | 2-year | Fixed | Not split | special | 4.54% | 'Special Rate' with asterisk (no footnote text found for the asterisk). Page: 'BVCU's CDN Prime Rate is 4.45%. Rates are subject to change without notice at any time.' No as-of … | page |
| Vancity | 2-year | Fixed | Insured | special | 4.55% APR 4.60% | Rate as of 2026-10-29. kind null: not labelled posted/special. Footnote ¤: less than 20% down, purchase price under $1,500,000, amortization 30 years or less, owner occupied, de… | page as of Oct 29, 2026 |
| Servus Credit Union | 2-year | Fixed | Not split | special | 4.59% | 'Special Rate' column. Footnote 1: 'Special rates are for owner occupied properties with amortization of 25 years or less and are subject to Servus lending criteria. Other condi… | page as of Oct 15, 2026 |
| Vancity | 2-year | Fixed | Not split | special | 4.65% APR 4.70% | Footnote ◊: new and renewing mortgages, LTV less than 75%, amortization 25 years or less, owner occupied. kind null: table is not labelled posted or special. The lender's page d… | page as of Oct 29, 2026 |
| Christian Credit Union | 2-year | Fixed | Not split | special | 4.74% | 'Best Rate' column. Page 'Effective October 29, 2026.' 'Christian Credit Union Prime Rate: 4.70%'. 'Mortgage qualifying rate: 6.64%'. Profit sharing eligible (not guaranteed). | page as of Oct 29, 2026 |
| Simplii Financial | 2-year | Fixed | Not split | special | 4.84% APR 4.86% | Special rate. | page as of Nov 2, 2026 |
| National Bank | 2-year | Fixed | Not split | special | 5.04% APR 5.09% | Promotional rate. | page as of Nov 2, 2026 |
| nesto | 2-year | Fixed | Insured | special | 5.09% | Page: 'The best mortgage rates in Canada right now, as of Thursday, October 29, 2026, are the lowest insured rates nesto offers on each term.' 'Our lowest advertised rates apply… | page as of Oct 29, 2026 |
| RBC Royal Bank | 2-year | Fixed | Not split | special | 5.14% APR 5.20% | Special rate for purchase and switch transactions, amortization 25 years or less. | page |
| Tangerine | 2-year | Fixed | Not split | special | 5.14% | Tangerine's published rates (the page doesn't call them posted or special). | page |
| National Bank | 2-year | Fixed | Not split | posted | 5.24% APR 5.31% | page as of Nov 2, 2026 | |
| Scotiabank | 2-year | Fixed | Not split | posted | 5.24% | page as of Nov 2, 2026 | |
| Simplii Financial | 2-year | Fixed | Not split | posted | 5.24% | page as of Nov 2, 2026 | |
| Vision Credit Union | 2-year | Fixed | Not split | posted | 5.24% | 'Posted Rates' column. Page also shows 'Potential Profit Share Rate' 3.93% for this term - an illustrative after-profit-share figure, NOT a contract rate, so not recorded as a s… | page as of Sep 29, 2026 |
| First National Financial | 2-year | Fixed | Insured | posted | 5.34% | Row 'Insured'. Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgage… | page as of Oct 29, 2026 |
| First National Financial | 2-year | Fixed | Insurable | posted | 5.34% | Row 'Insurable up to 65% LTV'. insured value 'insurable' = page's Insurable LTV tier (lender-insured, borrower 20%+ down). Section 'Posted Rates'. 'Rates effective as of Thursda… | page as of Oct 29, 2026 |
| First National Financial | 2-year | Fixed | Insurable | posted | 5.34% | Row 'Insurable > 65% - 70% LTV'. insured value 'insurable' = page's Insurable LTV tier (lender-insured, borrower 20%+ down). Section 'Posted Rates'. 'Rates effective as of Thurs… | page as of Oct 29, 2026 |
| First National Financial | 2-year | Fixed | Insurable | posted | 5.34% | Row 'Insurable > 70% - 75% LTV'. insured value 'insurable' = page's Insurable LTV tier (lender-insured, borrower 20%+ down). Section 'Posted Rates'. 'Rates effective as of Thurs… | page as of Oct 29, 2026 |
| First National Financial | 2-year | Fixed | Insurable | posted | 5.34% | Row 'Insurable > 75% - 80% LTV'. insured value 'insurable' = page's Insurable LTV tier (lender-insured, borrower 20%+ down). Section 'Posted Rates'. 'Rates effective as of Thurs… | page as of Oct 29, 2026 |
| First National Financial | 2-year | Fixed | Uninsured | posted | 5.34% | Row 'Conventional'. Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mor… | page as of Oct 29, 2026 |
| First National Financial | 2-year | Fixed | Not split | posted | 5.39% | Excalibur (alternative/credit-tiered) program, credit score band 680+. Insured status and open/closed not stated (assumed closed). Section 'Posted Rates'. 'Rates effective as of… | page as of Oct 29, 2026 |
| TD | 2-year | Fixed | Not split | posted | 5.39% APR 5.44% | page | |
| Servus Credit Union | 2-year | Fixed | Not split | posted | 5.49% | 'Rate' column (posted). Mortgages tab 'Effective: Thursday, October 15, 2026'. Servus Prime 4.70% as of October 29, 2026. | page as of Oct 15, 2026 |
| ATB Financial | 2-year | Fixed | Not split | special | 5.59% APR 5.64% | 'Client Rates' tab, closed fixed; insured status not stated for these rows. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120… | page |
| First National Financial | 2-year | Fixed | Not split | posted | 5.64% | Excalibur (alternative/credit-tiered) program, credit score band 650-679. Insured status and open/closed not stated (assumed closed). Section 'Posted Rates'. 'Rates effective as… | page as of Oct 29, 2026 |
| Meridian Credit Union | 2-year | Fixed | Not split | posted | 5.74% APR 5.79% | Posted rates. 'The current Meridian Prime Rate is 4.70% as of October 29, 2026.' APR basis: $300,000, 25-yr amortization, $300 property-valuation fee. High Ratio = <20% down, pr… | page as of Oct 29, 2026 |
| RBC Royal Bank | 2-year | Fixed | Not split | posted | 5.74% APR 5.80% | page | |
| First National Financial | 2-year | Fixed | Not split | posted | 5.89% | Excalibur (alternative/credit-tiered) program, credit score band 600-649. Insured status and open/closed not stated (assumed closed). Section 'Posted Rates'. 'Rates effective as… | page as of Oct 29, 2026 |
| First National Financial | 2-year | Fixed | Not split | posted | 6.14% | Excalibur (alternative/credit-tiered) program, credit score band 580-599. Insured status and open/closed not stated (assumed closed). Section 'Posted Rates'. 'Rates effective as… | page as of Oct 29, 2026 |
| First National Financial | 2-year | Fixed | Not split | posted | 6.29% | Excalibur (alternative/credit-tiered) program, credit score band < 580. Insured status and open/closed not stated (assumed closed). Section 'Posted Rates'. 'Rates effective as o… | page as of Oct 29, 2026 |
| ATB Financial | 2-year | Fixed | Insured | posted | 6.54% | 'Posted Rates' tab, closed fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinan… | page |
| ATB Financial | 2-year | Fixed | Uninsured | posted | 6.64% | 'Posted Rates' tab, closed fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinan… | page |
| ATB Financial | 2.5-year | Fixed | Not split | special | 5.34% APR 5.38% | 'Client Rates' tab, closed fixed; insured status not stated for these rows. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120… | page |
| ATB Financial | 2.5-year | Fixed | Insured | posted | 6.24% | 'Posted Rates' tab, closed fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinan… | page |
| ATB Financial | 2.5-year | Fixed | Uninsured | posted | 6.34% | 'Posted Rates' tab, closed fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinan… | page |
| nesto | 3-year | Variable | Insured | special | 3.85% | Page: 'The best mortgage rates in Canada right now, as of Thursday, October 29, 2026, are the lowest insured rates nesto offers on each term.' 'Our lowest advertised rates apply… | page as of Oct 29, 2026 |
| Lakeland Credit Union | 3-year | Fixed | Insured | special | 4.19% | 'Insured Mortgages Rates' MVP Rate column. 'MVP Rate*' = Member Value Pricing. '*Terms & conditions apply. Rates subject to change without notice. Prime rate: 4.70%'. No as-of d… | page |
| ATB Financial | 3-year | Fixed | Insured | special | 4.29% | Featured offers, 'Residential Mortgage' column. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of applica… | page |
| Bow Valley Credit Union | 3-year | Fixed | Insured | special | 4.30% | High Ratio. 'Special Rate' with asterisk (no footnote text found for the asterisk). Page: 'BVCU's CDN Prime Rate is 4.45%. Rates are subject to change without notice at any time… | page |
| Meridian Credit Union | 3-year | Fixed | Insured | special | 4.34% APR 4.37% | Special offers. 'The current Meridian Prime Rate is 4.70% as of October 29, 2026.' APR basis: $300,000, 25-yr amortization, $300 property-valuation fee. High Ratio = <20% down, … | page as of Oct 29, 2026 |
| CIBC | 3-year | Variable | Not split | special | 4.40% APR 4.42% | Special offer: amortizations 25 years or less; new mortgages only. | page as of Nov 1, 2026 |
| Bow Valley Credit Union | 3-year | Fixed | Not split | special | 4.49% | 'Special Rate' with asterisk (no footnote text found for the asterisk). Page: 'BVCU's CDN Prime Rate is 4.45%. Rates are subject to change without notice at any time.' No as-of … | page |
| Lakeland Credit Union | 3-year | Fixed | Uninsured | special | 4.49% | 'Conventional Mortgages Rates' MVP Rate column. 'MVP Rate*' = Member Value Pricing. '*Terms & conditions apply. Rates subject to change without notice. Prime rate: 4.70%'. No as… | page |
| Meridian Credit Union | 3-year | Fixed | Not split | special | 4.49% APR 4.52% | Special offers. 'The current Meridian Prime Rate is 4.70% as of October 29, 2026.' APR basis: $300,000, 25-yr amortization, $300 property-valuation fee. High Ratio = <20% down, … | page as of Oct 29, 2026 |
| Christian Credit Union | 3-year | Fixed | Not split | special | 4.54% | 'Best Rate' column. Page 'Effective October 29, 2026.' 'Christian Credit Union Prime Rate: 4.70%'. 'Mortgage qualifying rate: 6.64%'. Profit sharing eligible (not guaranteed). | page as of Oct 29, 2026 |
| nesto | 3-year | Fixed | Insured | special | 4.54% | Page: 'The best mortgage rates in Canada right now, as of Thursday, October 29, 2026, are the lowest insured rates nesto offers on each term.' 'Our lowest advertised rates apply… | page as of Oct 29, 2026 |
| ATB Financial | 3-year | Fixed | Uninsured | special | 4.59% | Featured offers, 'Residential Mortgage' column. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of applica… | page |
| ATB Financial | 3-year | Fixed | Not split | special | 4.59% APR 4.62% | 'Client Rates' tab, closed fixed; insured status not stated for these rows. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120… | page |
| Servus Credit Union | 3-year | Fixed | Not split | special | 4.59% | 'Special Rate' column. Footnote 1: 'Special rates are for owner occupied properties with amortization of 25 years or less and are subject to Servus lending criteria. Other condi… | page as of Oct 15, 2026 |
| Vancity | 3-year | Fixed | Insured | special | 4.70% APR 4.73% | Rate as of 2026-10-29. kind null: not labelled posted/special. Footnote ¤: less than 20% down, purchase price under $1,500,000, amortization 30 years or less, owner occupied, de… | page as of Oct 29, 2026 |
| Vancity | 3-year | Fixed | Uninsured | special | 4.75% APR 4.78% | Footnote **: 20% or greater down payment, owner-occupied purchase, price under $1,000,000, amortization 25 years or less. | page as of Oct 29, 2026 |
| Vancity | 3-year | Fixed | Not split | special | 4.80% APR 4.83% | Footnote ◊: new and renewing mortgages, LTV less than 75%, amortization 25 years or less, owner occupied. kind null: table is not labelled posted or special. Footnote α: limited… | page as of Oct 29, 2026 |
| BMO | 3-year | Fixed | Not split | special | 4.94% APR 4.97% | Amortization under 25 years. | page |
| Tangerine | 3-year | Fixed | Not split | special | 4.94% | Tangerine's published rates (the page doesn't call them posted or special). | page |
| National Bank | 3-year | Fixed | Not split | special | 5.04% APR 4.99% | Promotional rate. The page shows an APR below the rate; recorded as displayed. | page as of Nov 2, 2026 |
| CIBC | 3-year | Fixed | Not split | special | 5.09% APR 5.11% | Special offer: amortizations 25 years or less; new mortgages only. | page as of Nov 1, 2026 |
| RBC Royal Bank | 3-year | Fixed | Not split | special | 5.09% APR 5.13% | Special rate for purchase and switch transactions, amortization 25 years or less. | page |
| Simplii Financial | 3-year | Fixed | Not split | special | 5.09% APR 5.11% | Special rate. | page as of Nov 2, 2026 |
| TD | 3-year | Fixed | Not split | special | 5.24% APR 5.28% | Special rate discounted off the posted rate; new first-priority mortgages (TD footnote 2). | page |
| Vision Credit Union | 3-year | Fixed | Not split | posted | 5.24% | 'Posted Rates' column. Page also shows 'Potential Profit Share Rate' 3.93% for this term - an illustrative after-profit-share figure, NOT a contract rate, so not recorded as a s… | page as of Sep 29, 2026 |
| First National Financial | 3-year | Fixed | Insured | posted | 5.25% | Row 'Insured'. Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgage… | page as of Oct 29, 2026 |
| First National Financial | 3-year | Fixed | Insurable | posted | 5.25% | Row 'Insurable up to 65% LTV'. insured value 'insurable' = page's Insurable LTV tier (lender-insured, borrower 20%+ down). Section 'Posted Rates'. 'Rates effective as of Thursda… | page as of Oct 29, 2026 |
| First National Financial | 3-year | Fixed | Insurable | posted | 5.25% | Row 'Insurable > 65% - 70% LTV'. insured value 'insurable' = page's Insurable LTV tier (lender-insured, borrower 20%+ down). Section 'Posted Rates'. 'Rates effective as of Thurs… | page as of Oct 29, 2026 |
| First National Financial | 3-year | Fixed | Insurable | posted | 5.25% | Row 'Insurable > 70% - 75% LTV'. insured value 'insurable' = page's Insurable LTV tier (lender-insured, borrower 20%+ down). Section 'Posted Rates'. 'Rates effective as of Thurs… | page as of Oct 29, 2026 |
| First National Financial | 3-year | Fixed | Insurable | posted | 5.25% | Row 'Insurable > 75% - 80% LTV'. insured value 'insurable' = page's Insurable LTV tier (lender-insured, borrower 20%+ down). Section 'Posted Rates'. 'Rates effective as of Thurs… | page as of Oct 29, 2026 |
| First National Financial | 3-year | Fixed | Uninsured | posted | 5.25% | Row 'Conventional'. Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mor… | page as of Oct 29, 2026 |
| First National Financial | 3-year | Fixed | Not split | posted | 5.49% | Excalibur (alternative/credit-tiered) program, credit score band 680+. Insured status and open/closed not stated (assumed closed). Section 'Posted Rates'. 'Rates effective as of… | page as of Oct 29, 2026 |
| ATB Financial | 3-year | Fixed | Insured | posted | 5.74% | 'Posted Rates' tab, closed fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinan… | page |
| First National Financial | 3-year | Fixed | Not split | posted | 5.74% | Excalibur (alternative/credit-tiered) program, credit score band 650-679. Insured status and open/closed not stated (assumed closed). Section 'Posted Rates'. 'Rates effective as… | page as of Oct 29, 2026 |
| Servus Credit Union | 3-year | Fixed | Not split | posted | 5.94% | 'Rate' column (posted). Mortgages tab 'Effective: Thursday, October 15, 2026'. Servus Prime 4.70% as of October 29, 2026. | page as of Oct 15, 2026 |
| First National Financial | 3-year | Fixed | Not split | posted | 5.99% | Excalibur (alternative/credit-tiered) program, credit score band 600-649. Insured status and open/closed not stated (assumed closed). Section 'Posted Rates'. 'Rates effective as… | page as of Oct 29, 2026 |
| ATB Financial | 3-year | Fixed | Uninsured | posted | 6.04% | 'Posted Rates' tab, closed fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinan… | page |
| Scotiabank | 3-year | Fixed | Not split | posted | 6.05% | page as of Nov 2, 2026 | |
| National Bank | 3-year | Fixed | Not split | posted | 6.09% APR 6.10% | page as of Nov 2, 2026 | |
| Simplii Financial | 3-year | Fixed | Not split | posted | 6.14% | page as of Nov 2, 2026 | |
| TD | 3-year | Fixed | Not split | posted | 6.15% | page | |
| Scotiabank | 3-year | Variable | Not split | posted | 6.20% | Scotia Ultimate Variable Rate Mortgage, 3-year closed term (posted). | page as of Nov 2, 2026 |
| First National Financial | 3-year | Fixed | Not split | posted | 6.24% | Excalibur (alternative/credit-tiered) program, credit score band 580-599. Insured status and open/closed not stated (assumed closed). Section 'Posted Rates'. 'Rates effective as… | page as of Oct 29, 2026 |
| RBC Royal Bank | 3-year | Fixed | Not split | posted | 6.25% APR 6.29% | page | |
| First National Financial | 3-year | Fixed | Not split | posted | 6.49% | Excalibur (alternative/credit-tiered) program, credit score band < 580. Insured status and open/closed not stated (assumed closed). Section 'Posted Rates'. 'Rates effective as o… | page as of Oct 29, 2026 |
| Meridian Credit Union | 3-year | Fixed | Not split | posted | 6.54% APR 6.57% | Posted rates. 'The current Meridian Prime Rate is 4.70% as of October 29, 2026.' APR basis: $300,000, 25-yr amortization, $300 property-valuation fee. High Ratio = <20% down, pr… | page as of Oct 29, 2026 |
| Lakeland Credit Union | 4-year | Fixed | Insured | special | 4.29% | 'Insured Mortgages Rates' MVP Rate column. 'MVP Rate*' = Member Value Pricing. '*Terms & conditions apply. Rates subject to change without notice. Prime rate: 4.70%'. No as-of d… | page |
| ATB Financial | 4-year | Fixed | Insured | special | 4.34% | Featured offers, 'Residential Mortgage' column. '**Available through select ATB channels only.' ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be… | page |
| Bow Valley Credit Union | 4-year | Fixed | Insured | special | 4.39% | High Ratio. 'Special Rate' with asterisk (no footnote text found for the asterisk). Page: 'BVCU's CDN Prime Rate is 4.45%. Rates are subject to change without notice at any time… | page |
| Meridian Credit Union | 4-year | Fixed | Not split | special | 4.49% APR 4.52% | Special offers. 'The current Meridian Prime Rate is 4.70% as of October 29, 2026.' APR basis: $300,000, 25-yr amortization, $300 property-valuation fee. High Ratio = <20% down, … | page as of Oct 29, 2026 |
| Lakeland Credit Union | 4-year | Fixed | Uninsured | special | 4.59% | 'Conventional Mortgages Rates' MVP Rate column. 'MVP Rate*' = Member Value Pricing. '*Terms & conditions apply. Rates subject to change without notice. Prime rate: 4.70%'. No as… | page |
| Bow Valley Credit Union | 4-year | Fixed | Not split | special | 4.62% | 'Special Rate' with asterisk (no footnote text found for the asterisk). Page: 'BVCU's CDN Prime Rate is 4.45%. Rates are subject to change without notice at any time.' No as-of … | page |
| ATB Financial | 4-year | Fixed | Uninsured | special | 4.64% | Featured offers, 'Residential Mortgage' column. '**Available through select ATB channels only.' ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be… | page |
| ATB Financial | 4-year | Fixed | Not split | special | 4.64% APR 4.67% | 'Client Rates' tab, closed fixed; insured status not stated for these rows. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120… | page |
| Christian Credit Union | 4-year | Fixed | Not split | special | 4.69% | 'Best Rate' column. Page 'Effective October 29, 2026.' 'Christian Credit Union Prime Rate: 4.70%'. 'Mortgage qualifying rate: 6.64%'. Profit sharing eligible (not guaranteed). | page as of Oct 29, 2026 |
| Servus Credit Union | 4-year | Fixed | Not split | special | 4.69% | 'Special Rate' column. Footnote 1: 'Special rates are for owner occupied properties with amortization of 25 years or less and are subject to Servus lending criteria. Other condi… | page as of Oct 15, 2026 |
| Vancity | 4-year | Fixed | Insured | special | 4.74% APR 4.76% | Rate as of 2026-10-29. kind null: not labelled posted/special. Footnote ¤: less than 20% down, purchase price under $1,500,000, amortization 30 years or less, owner occupied, de… | page as of Oct 29, 2026 |
| nesto | 4-year | Fixed | Insured | special | 4.79% | Page: 'The best mortgage rates in Canada right now, as of Thursday, October 29, 2026, are the lowest insured rates nesto offers on each term.' 'Our lowest advertised rates apply… | page as of Oct 29, 2026 |
| Vancity | 4-year | Fixed | Uninsured | special | 4.79% APR 4.82% | Footnote **: 20% or greater down payment, owner-occupied purchase, price under $1,000,000, amortization 25 years or less. | page as of Oct 29, 2026 |
| Vancity | 4-year | Fixed | Not split | special | 4.84% APR 4.87% | Footnote ◊: new and renewing mortgages, LTV less than 75%, amortization 25 years or less, owner occupied. kind null: table is not labelled posted or special. Footnote α: limited… | page as of Oct 29, 2026 |
| RBC Royal Bank | 4-year | Fixed | Not split | special | 5.04% APR 5.07% | Special rate for purchase and switch transactions, amortization 25 years or less. | page |
| Tangerine | 4-year | Fixed | Not split | special | 5.04% | Tangerine's published rates (the page doesn't call them posted or special). | page |
| National Bank | 4-year | Fixed | Not split | special | 5.09% APR 5.08% | Promotional rate. The page shows an APR below the rate; recorded as displayed. | page as of Nov 2, 2026 |
| First National Financial | 4-year | Fixed | Insured | posted | 5.17% | Row 'Insured'. Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgage… | page as of Oct 29, 2026 |
| First National Financial | 4-year | Fixed | Insurable | posted | 5.17% | Row 'Insurable up to 65% LTV'. insured value 'insurable' = page's Insurable LTV tier (lender-insured, borrower 20%+ down). Section 'Posted Rates'. 'Rates effective as of Thursda… | page as of Oct 29, 2026 |
| First National Financial | 4-year | Fixed | Insurable | posted | 5.17% | Row 'Insurable > 65% - 70% LTV'. insured value 'insurable' = page's Insurable LTV tier (lender-insured, borrower 20%+ down). Section 'Posted Rates'. 'Rates effective as of Thurs… | page as of Oct 29, 2026 |
| First National Financial | 4-year | Fixed | Insurable | posted | 5.17% | Row 'Insurable > 70% - 75% LTV'. insured value 'insurable' = page's Insurable LTV tier (lender-insured, borrower 20%+ down). Section 'Posted Rates'. 'Rates effective as of Thurs… | page as of Oct 29, 2026 |
| First National Financial | 4-year | Fixed | Insurable | posted | 5.17% | Row 'Insurable > 75% - 80% LTV'. insured value 'insurable' = page's Insurable LTV tier (lender-insured, borrower 20%+ down). Section 'Posted Rates'. 'Rates effective as of Thurs… | page as of Oct 29, 2026 |
| First National Financial | 4-year | Fixed | Uninsured | posted | 5.17% | Row 'Conventional'. Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mor… | page as of Oct 29, 2026 |
| Simplii Financial | 4-year | Fixed | Not split | special | 5.24% APR 5.26% | Special rate. | page as of Nov 2, 2026 |
| Vision Credit Union | 4-year | Fixed | Not split | posted | 5.49% | 'Posted Rates' column. Page also shows 'Potential Profit Share Rate' 4.12% for this term - an illustrative after-profit-share figure, NOT a contract rate, so not recorded as a s… | page as of Sep 29, 2026 |
| ATB Financial | 4-year | Fixed | Insured | posted | 5.79% | 'Posted Rates' tab, closed fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinan… | page |
| Servus Credit Union | 4-year | Fixed | Not split | posted | 5.99% | 'Rate' column (posted). Mortgages tab 'Effective: Thursday, October 15, 2026'. Servus Prime 4.70% as of October 29, 2026. | page as of Oct 15, 2026 |
| TD | 4-year | Fixed | Not split | posted | 5.99% APR 6.02% | page | |
| ATB Financial | 4-year | Fixed | Uninsured | posted | 6.04% | 'Posted Rates' tab, closed fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinan… | page |
| National Bank | 4-year | Fixed | Not split | posted | 6.05% APR 6.09% | page as of Nov 2, 2026 | |
| RBC Royal Bank | 4-year | Fixed | Not split | posted | 6.09% APR 6.12% | page | |
| Scotiabank | 4-year | Fixed | Not split | posted | 6.09% | page as of Nov 2, 2026 | |
| Meridian Credit Union | 4-year | Fixed | Not split | posted | 6.19% APR 6.22% | Posted rates. 'The current Meridian Prime Rate is 4.70% as of October 29, 2026.' APR basis: $300,000, 25-yr amortization, $300 property-valuation fee. High Ratio = <20% down, pr… | page as of Oct 29, 2026 |
| Simplii Financial | 4-year | Fixed | Not split | posted | 6.19% | page as of Nov 2, 2026 | |
| nesto | 5-year | Variable | Insured | special | 3.66% prime − 1.04 | Page: 'The best mortgage rates in Canada right now, as of Thursday, October 29, 2026, are the lowest insured rates nesto offers on each term.' 'Our lowest advertised rates apply… | page as of Oct 29, 2026 |
| Meridian Credit Union | 5-year | Variable | Insured | special | 3.69% prime − 1.01 APR 3.71% | kind null: variable table is not labelled posted or special on the page (5-yr closed HR 3.69% is also shown under 'Our latest mortgage offers'). 'The current Meridian Prime Rate… | page as of Oct 29, 2026 |
| Lakeland Credit Union | 5-year | Variable | Insured | special | 3.80% prime − 0.90 | Closed variable, Insured column (also featured). 'MVP Rate*' = Member Value Pricing. '*Terms & conditions apply. Rates subject to change without notice. Prime rate: 4.70%'. No a… | page |
| Meridian Credit Union | 5-year | Variable | Not split | special | 3.89% prime − 0.81 APR 3.91% | kind null: variable table is not labelled posted or special on the page (5-yr closed HR 3.69% is also shown under 'Our latest mortgage offers'). 'The current Meridian Prime Rate… | page as of Oct 29, 2026 |
| ATB Financial | 5-year | Variable | Insured | special | 3.90% | Featured offers, 'Residential Mortgage' column. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of applica… | page |
| First National Financial | 5-year | Adjustable | Insured | posted | 3.95%* prime − 0.75 | Row 'Insured'. Only the spread is shown (no resulting %), so rate null; page states 'First National Prime Rate: 4.70'. Section 'Posted Rates'. 'Rates effective as of Thursday, O… | page as of Oct 29, 2026 |
| Lakeland Credit Union | 5-year | Variable | Uninsured | special | 3.95% prime − 0.75 | Closed variable, Conventional column. 'MVP Rate*' = Member Value Pricing. '*Terms & conditions apply. Rates subject to change without notice. Prime rate: 4.70%'. No as-of date o… | page |
| First National Financial | 5-year | Adjustable | Insurable | posted | 4.00%* prime − 0.70 | Row 'Insurable up to 65% LTV'. Only the spread is shown (no resulting %), so rate null; page states 'First National Prime Rate: 4.70'. Section 'Posted Rates'. 'Rates effective a… | page as of Oct 29, 2026 |
| ATB Financial | 5-year | Variable | Not split | special | 4.05% | Featured offers, 'Residential Mortgage' column. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of applica… | page |
| ATB Financial | 5-year | Variable | Not split | special | 4.05% APR 3.82% | 'Client Rates' tab, closed variable. ANOMALY: page shows APR 3.82% below the 4.05% rate; recorded as displayed. Linked to ATB Prime; no spread text shown. ATB Prime 4.70% (atb.c… | page |
| RBC Royal Bank | 5-year | Variable | Insured | special | 4.10% prime − 0.60 APR 4.13% | High Ratio: less than 20% down payment on a purchase. | page |
| First National Financial | 5-year | Adjustable | Insurable | posted | 4.20%* prime − 0.50 | Row 'Insurable > 65% - 70% LTV'. Only the spread is shown (no resulting %), so rate null; page states 'First National Prime Rate: 4.70'. Section 'Posted Rates'. 'Rates effective… | page as of Oct 29, 2026 |
| Tangerine | 5-year | Variable | Not split | special | 4.20% | Tangerine's published rates (the page doesn't call them posted or special). | page |
| Vancity | 5-year | Variable | Not split | special | 4.20% prime − 0.50 APR 4.22% | 'Homeprime rate††: 4.70 %' effective October 29, 2026. Footnote ◊: new and renewing mortgages, LTV less than 75%, amortization 25 years or less, owner occupied. kind null: table… | page as of Oct 29, 2026 |
| First National Financial | 5-year | Adjustable | Insurable | posted | 4.25%* prime − 0.45 | Row 'Insurable > 70% - 75% LTV'. Only the spread is shown (no resulting %), so rate null; page states 'First National Prime Rate: 4.70'. Section 'Posted Rates'. 'Rates effective… | page as of Oct 29, 2026 |
| First National Financial | 5-year | Adjustable | Insurable | posted | 4.29%* prime − 0.41 | Row 'Insurable > 75% - 80% LTV'. Only the spread is shown (no resulting %), so rate null; page states 'First National Prime Rate: 4.70'. Section 'Posted Rates'. 'Rates effective… | page as of Oct 29, 2026 |
| First National Financial | 5-year | Adjustable | Uninsured | posted | 4.29%* prime − 0.41 | Row 'Conventional'. Only the spread is shown (no resulting %), so rate null; page states 'First National Prime Rate: 4.70'. Section 'Posted Rates'. 'Rates effective as of Thursd… | page as of Oct 29, 2026 |
| ATB Financial | 5-year | Fixed | Insured | special | 4.34% | Featured offers, 'Rate First Residential Mortgage' column. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date… | page |
| ATB Financial | 5-year | Fixed | Insured | special | 4.34% APR 4.36% | 'Client Rates' tab, Rate First closed fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of applicatio… | page |
| BMO | 5-year | Variable | Not split | special | 4.35% APR 4.37% | Amortization under 25 years. | page |
| National Bank | 5-year | Variable | Not split | special | 4.35% prime − 0.35 APR 4.39% | Promotional rate. | page as of Nov 2, 2026 |
| Lakeland Credit Union | 5-year | Fixed | Insured | special | 4.39% | 'Insured Mortgages Rates' MVP Rate column. 'MVP Rate*' = Member Value Pricing. '*Terms & conditions apply. Rates subject to change without notice. Prime rate: 4.70%'. No as-of d… | page |
| RBC Royal Bank | 5-year | Variable | Not split | special | 4.40% prime − 0.30 APR 4.43% | Special rate for purchase and switch transactions, amortization 25 years or less. | page |
| ATB Financial | 5-year | Fixed | Insured | special | 4.44% | Featured offers, 'Residential Mortgage' column. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of applica… | page |
| Simplii Financial | 5-year | Variable | Not split | special | 4.45% APR 4.47% | Special rate. | page as of Nov 2, 2026 |
| Bow Valley Credit Union | 5-year | Fixed | Insured | special | 4.49% | High Ratio. 'Special Rate' with asterisk (no footnote text found for the asterisk). Page: 'BVCU's CDN Prime Rate is 4.45%. Rates are subject to change without notice at any time… | page |
| Christian Credit Union | 5-year | Fixed | Insured | special | 4.54% | High ratio (LTV > 80%). Page 'Effective October 29, 2026.' 'Christian Credit Union Prime Rate: 4.70%'. 'Mortgage qualifying rate: 6.64%'. Profit sharing eligible (not guaranteed). | page as of Oct 29, 2026 |
| TD | 5-year | Variable | Not split | special | 4.54% prime − 0.31 APR 4.56% | Based on the TD Mortgage Prime Rate (4.85%). | page |
| ATB Financial | 5-year | Fixed | Uninsured | special | 4.59% | Featured offers, 'Rate First Residential Mortgage' column. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date… | page |
| ATB Financial | 5-year | Fixed | Uninsured | special | 4.59% APR 4.61% | 'Client Rates' tab, Rate First closed fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of applicatio… | page |
| Bow Valley Credit Union | 5-year | Fixed | Not split | special | 4.59% | 'Special Rate' with asterisk (no footnote text found for the asterisk). Page: 'BVCU's CDN Prime Rate is 4.45%. Rates are subject to change without notice at any time.' No as-of … | page |
| Meridian Credit Union | 5-year | Fixed | Insured | special | 4.59% APR 4.61% | Special offers. 'The current Meridian Prime Rate is 4.70% as of October 29, 2026.' APR basis: $300,000, 25-yr amortization, $300 property-valuation fee. High Ratio = <20% down, … | page as of Oct 29, 2026 |
| nesto | 5-year | Fixed | Insured | special | 4.59% | Page: 'The best mortgage rates in Canada right now, as of Thursday, October 29, 2026, are the lowest insured rates nesto offers on each term.' 'Our lowest advertised rates apply… | page as of Oct 29, 2026 |
| Servus Credit Union | 5-year | Fixed | Insured | special | 4.59% | Servus No Frills Mortgage. 'Special Rate' column. Footnote 1: 'Special rates are for owner occupied properties with amortization of 25 years or less and are subject to Servus le… | page as of Oct 15, 2026 |
| Christian Credit Union | 5-year | Fixed | Not split | special | 4.64% | 'Best Rate' column. Page 'Effective October 29, 2026.' 'Christian Credit Union Prime Rate: 4.70%'. 'Mortgage qualifying rate: 6.64%'. Profit sharing eligible (not guaranteed). | page as of Oct 29, 2026 |
| Lakeland Credit Union | 5-year | Fixed | Uninsured | special | 4.64% | 'Conventional Mortgages Rates' MVP Rate column. 'MVP Rate*' = Member Value Pricing. '*Terms & conditions apply. Rates subject to change without notice. Prime rate: 4.70%'. No as… | page |
| Servus Credit Union | 5-year | Fixed | Uninsured | special | 4.64% | Servus No Frills Mortgage. 'Special Rate' column. Footnote 1: 'Special rates are for owner occupied properties with amortization of 25 years or less and are subject to Servus le… | page as of Oct 15, 2026 |
| ATB Financial | 5-year | Fixed | Uninsured | special | 4.69% | Featured offers, 'Residential Mortgage' column. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of applica… | page |
| ATB Financial | 5-year | Fixed | Not split | special | 4.69% APR 4.71% | 'Client Rates' tab, closed fixed; insured status not stated for these rows. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120… | page |
| National Bank | 5-year | Fixed | Insured | special | 4.69% APR 4.73% | Promotion: 5 year fixed high ratio. | page as of Nov 2, 2026 |
| Servus Credit Union | 5-year | Fixed | Insured | special | 4.69% | 'Special Rate' column. Footnote 1: 'Special rates are for owner occupied properties with amortization of 25 years or less and are subject to Servus lending criteria. Other condi… | page as of Oct 15, 2026 |
| National Bank | 5-year | Variable | Not split | posted | 4.70% prime + 0.00 APR 4.74% | Variable-rate mortgage, 60-month term: prime + 0.00%. | page as of Nov 2, 2026 |
| RBC Royal Bank | 5-year | Variable | Not split | posted | 4.70%* prime + 0.00 APR 4.73% | Posted variable: RBC Prime + 0.000%. | page |
| Simplii Financial | 5-year | Variable | Not split | posted | 4.70% | Variable-rate mortgage, posted. | page as of Nov 2, 2026 |
| Meridian Credit Union | 5-year | Fixed | Not split | special | 4.74% APR 4.76% | Special offers. 'The current Meridian Prime Rate is 4.70% as of October 29, 2026.' APR basis: $300,000, 25-yr amortization, $300 property-valuation fee. High Ratio = <20% down, … | page as of Oct 29, 2026 |
| Servus Credit Union | 5-year | Fixed | Uninsured | special | 4.79% | 'Special Rate' column. Footnote 1: 'Special rates are for owner occupied properties with amortization of 25 years or less and are subject to Servus lending criteria. Other condi… | page as of Oct 15, 2026 |
| Vancity | 5-year | Fixed | Insured | special | 4.79% APR 4.81% | Rate as of 2026-10-29. kind null: not labelled posted/special. Footnote ¤: less than 20% down, purchase price under $1,500,000, amortization 30 years or less, owner occupied, de… | page as of Oct 29, 2026 |
| RBC Royal Bank | 5-year | Fixed | Insured | special | 4.84% APR 4.87% | High Ratio: customers with less than 20% down payment on a purchase transaction who meet other conditions. | page |
| Vancity | 5-year | Fixed | Uninsured | special | 4.84% APR 4.86% | Footnote **: 20% or greater down payment, owner-occupied purchase, price under $1,000,000, amortization 25 years or less. | page as of Oct 29, 2026 |
| Vancity | 5-year | Fixed | Not split | special | 4.89% APR 4.91% | Footnote ◊: new and renewing mortgages, LTV less than 75%, amortization 25 years or less, owner occupied. kind null: table is not labelled posted or special. The lender's page d… | page as of Oct 29, 2026 |
| BMO | 5-year | Fixed | Insured | special | 4.99% APR 5.01% | 5 year Smart Fixed, default insured. | page |
| CIBC | 5-year | Fixed | Insured | special | 4.99% APR 5.01% | High-ratio; new mortgages only. | page as of Nov 1, 2026 |
| First National Financial | 5-year | Fixed | Insured | posted | 4.99% | Row 'Insured'. Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgage… | page as of Oct 29, 2026 |
| First National Financial | 5-year | Fixed | Insurable | posted | 5.04% | Row 'Insurable up to 65% LTV'. insured value 'insurable' = page's Insurable LTV tier (lender-insured, borrower 20%+ down). Section 'Posted Rates'. 'Rates effective as of Thursda… | page as of Oct 29, 2026 |
| First National Financial | 5-year | Fixed | Insurable | posted | 5.09% | Row 'Insurable > 65% - 70% LTV'. insured value 'insurable' = page's Insurable LTV tier (lender-insured, borrower 20%+ down). Section 'Posted Rates'. 'Rates effective as of Thurs… | page as of Oct 29, 2026 |
| BMO | 5-year | Fixed | Not split | special | 5.14% APR 5.16% | 5 year Smart Fixed, amortization under 25 years. | page |
| First National Financial | 5-year | Fixed | Insurable | posted | 5.14% | Row 'Insurable > 70% - 75% LTV'. insured value 'insurable' = page's Insurable LTV tier (lender-insured, borrower 20%+ down). Section 'Posted Rates'. 'Rates effective as of Thurs… | page as of Oct 29, 2026 |
| National Bank | 5-year | Fixed | Not split | special | 5.14% APR 5.18% | Promotional rate. | page as of Nov 2, 2026 |
| RBC Royal Bank | 5-year | Fixed | Not split | special | 5.14% APR 5.17% | Special rate for purchase and switch transactions, amortization 25 years or less. | page |
| Scotiabank | 5-year | Variable | Not split | posted | 5.15% | Scotia Flex Value Mortgage, closed 5-year term (posted). | page as of Nov 2, 2026 |
| First National Financial | 5-year | Fixed | Insurable | posted | 5.19% | Row 'Insurable > 75% - 80% LTV'. insured value 'insurable' = page's Insurable LTV tier (lender-insured, borrower 20%+ down). Section 'Posted Rates'. 'Rates effective as of Thurs… | page as of Oct 29, 2026 |
| Tangerine | 5-year | Fixed | Not split | special | 5.19% | Tangerine's published rates (the page doesn't call them posted or special). | page |
| First National Financial | 5-year | Fixed | Uninsured | posted | 5.20% | Row 'Conventional'. Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mor… | page as of Oct 29, 2026 |
| CIBC | 5-year | Fixed | Not split | special | 5.34% APR 5.36% | Special offer: amortizations 25 years or less; new mortgages only. | page as of Nov 1, 2026 |
| Simplii Financial | 5-year | Fixed | Not split | special | 5.34% APR 5.36% | Special rate. | page as of Nov 2, 2026 |
| TD | 5-year | Fixed | Not split | special | 5.39% APR 5.41% | Special rate discounted off the posted rate; new first-priority mortgages (TD footnote 2). | page |
| TD | 5-year | Fixed | Insured | special | 5.39% APR 5.41% | High-Ratio: less than 20% down, purchasing a residential property valued under $1,500,000 (TD footnote 4). | page |
| ATB Financial | 5-year | Variable | Not split | posted | 5.55% | 'Posted Rates' tab, closed variable. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refi… | page |
| Vision Credit Union | 5-year | Fixed | Not split | posted | 5.74% | 'Posted Rates' column. Page also shows 'Potential Profit Share Rate' 4.31% for this term - an illustrative after-profit-share figure, NOT a contract rate, so not recorded as a s… | page as of Sep 29, 2026 |
| ATB Financial | 5-year | Fixed | Insured | posted | 5.79% | 'Posted Rates' tab, Rate First closed fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of applicatio… | page |
| ATB Financial | 5-year | Fixed | Insured | posted | 5.89% | 'Posted Rates' tab, closed fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinan… | page |
| ATB Financial | 5-year | Fixed | Uninsured | posted | 6.09% | 'Posted Rates' tab, closed fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinan… | page |
| Servus Credit Union | 5-year | Fixed | Uninsured | posted | 6.09% | 'Rate' column (posted). Mortgages tab 'Effective: Thursday, October 15, 2026'. Servus Prime 4.70% as of October 29, 2026. | page as of Oct 15, 2026 |
| Servus Credit Union | 5-year | Fixed | Insured | posted | 6.09% | 'Rate' column (posted). Mortgages tab 'Effective: Thursday, October 15, 2026'. Servus Prime 4.70% as of October 29, 2026. | page as of Oct 15, 2026 |
| Servus Credit Union | 5-year | Fixed | Uninsured | posted | 6.09% | Servus No Frills Mortgage. 'Rate' column. Mortgages tab 'Effective: Thursday, October 15, 2026'. Servus Prime 4.70% as of October 29, 2026. | page as of Oct 15, 2026 |
| Servus Credit Union | 5-year | Fixed | Insured | posted | 6.09% | Servus No Frills Mortgage. 'Rate' column. Mortgages tab 'Effective: Thursday, October 15, 2026'. Servus Prime 4.70% as of October 29, 2026. | page as of Oct 15, 2026 |
| ATB Financial | 5-year | Fixed | Uninsured | posted | 6.14% | 'Posted Rates' tab, Rate First closed fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of applicatio… | page |
| National Bank | 5-year | Fixed | Not split | posted | 6.14% APR 6.18% | page as of Nov 2, 2026 | |
| TD | 5-year | Fixed | Not split | posted | 6.14% | page | |
| RBC Royal Bank | 5-year | Fixed | Not split | posted | 6.19% APR 6.22% | page | |
| Scotiabank | 5-year | Fixed | Not split | posted | 6.19% | page as of Nov 2, 2026 | |
| Meridian Credit Union | 5-year | Fixed | Not split | posted | 6.49% APR 4.76% | ANOMALY: page shows APR 4.76% against a 6.49% posted rate (4.76% is the 5-yr special's APR); recorded as displayed. Posted rates. 'The current Meridian Prime Rate is 4.70% as of… | page as of Oct 29, 2026 |
| Simplii Financial | 5-year | Fixed | Not split | posted | 6.49% | page as of Nov 2, 2026 | |
| TD | 6-year | Fixed | Not split | posted | 6.29% APR 6.31% | page | |
| National Bank | 6-year | Fixed | Not split | posted | 6.40% APR 6.44% | page as of Nov 2, 2026 | |
| Vancity | 7-year | Fixed | Not split | special | 4.97% APR 4.98% | Footnote ◊: new and renewing mortgages, LTV less than 75%, amortization 25 years or less, owner occupied. kind null: table is not labelled posted or special. The lender's page d… | page as of Oct 29, 2026 |
| RBC Royal Bank | 7-year | Fixed | Not split | special | 5.25% APR 5.27% | Special rate for purchase and switch transactions, amortization 25 years or less. | page |
| National Bank | 7-year | Fixed | Not split | special | 5.34% APR 5.37% | Promotional rate. | page as of Nov 2, 2026 |
| First National Financial | 7-year | Fixed | Insured | posted | 5.37% | Row 'Insured'. Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgage… | page as of Oct 29, 2026 |
| First National Financial | 7-year | Fixed | Uninsured | posted | 5.37% | Row 'Conventional'. Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mor… | page as of Oct 29, 2026 |
| Tangerine | 7-year | Fixed | Not split | special | 5.50% | Tangerine's published rates (the page doesn't call them posted or special). | page |
| Simplii Financial | 7-year | Fixed | Not split | posted | 6.30% | page as of Nov 2, 2026 | |
| National Bank | 7-year | Fixed | Not split | posted | 6.40% APR 6.43% | page as of Nov 2, 2026 | |
| Scotiabank | 7-year | Fixed | Not split | posted | 6.40% | page as of Nov 2, 2026 | |
| TD | 7-year | Fixed | Not split | posted | 6.40% APR 6.42% | page | |
| RBC Royal Bank | 7-year | Fixed | Not split | posted | 6.50% APR 6.52% | page | |
| nesto | 7-year | Fixed | Insured | special | 6.69% | ANOMALY flag: insured 7/10-yr figures are well above the page's Big 6 average for those terms; recorded exactly as displayed. Page: 'The best mortgage rates in Canada right now,… | page as of Oct 29, 2026 |
| Meridian Credit Union | 7-year | Fixed | Not split | posted | 6.89% APR 6.90% | Posted rates. 'The current Meridian Prime Rate is 4.70% as of October 29, 2026.' APR basis: $300,000, 25-yr amortization, $300 property-valuation fee. High Ratio = <20% down, pr… | page as of Oct 29, 2026 |
| Vancity | 10-year | Fixed | Not split | special | 5.29% APR 5.30% | Footnote ◊: new and renewing mortgages, LTV less than 75%, amortization 25 years or less, owner occupied. kind null: table is not labelled posted or special. The lender's page d… | page as of Oct 29, 2026 |
| First National Financial | 10-year | Fixed | Insured | posted | 5.69% | Row 'Insured'. Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgage… | page as of Oct 29, 2026 |
| First National Financial | 10-year | Fixed | Uninsured | posted | 5.69% | Row 'Conventional'. Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mor… | page as of Oct 29, 2026 |
| Tangerine | 10-year | Fixed | Not split | special | 5.90% | Tangerine's published rates (the page doesn't call them posted or special). | page |
| Simplii Financial | 10-year | Fixed | Not split | posted | 6.79% | page as of Nov 2, 2026 | |
| National Bank | 10-year | Fixed | Not split | posted | 6.80% APR 6.83% | page as of Nov 2, 2026 | |
| Scotiabank | 10-year | Fixed | Not split | posted | 6.80% | page as of Nov 2, 2026 | |
| TD | 10-year | Fixed | Not split | posted | 6.80% APR 6.81% | page | |
| RBC Royal Bank | 10-year | Fixed | Not split | posted | 6.90% APR 6.91% | page | |
| Meridian Credit Union | 10-year | Fixed | Not split | posted | 6.99% APR 7.00% | Posted rates. 'The current Meridian Prime Rate is 4.70% as of October 29, 2026.' APR basis: $300,000, 25-yr amortization, $300 property-valuation fee. High Ratio = <20% down, pr… | page as of Oct 29, 2026 |
| nesto | 10-year | Fixed | Insured | special | 8.24% | ANOMALY flag: insured 7/10-yr figures are well above the page's Big 6 average for those terms; recorded exactly as displayed. Page: 'The best mortgage rates in Canada right now,… | page as of Oct 29, 2026 |
Highlighted rows are the lowest special or advertised rate for that term and type among the rows shown. * = the lender's own prime rate plus its stated spread. Collected Nov 2, 2026; check the lender's page before relying on any rate.
Lenders
ATB FinancialBank · AB · 33 rates · 5-yr fixed from 4.34%Rates, prime and penalty →Servus Credit UnionCredit union · AB · 17 rates · 5-yr fixed from 4.59%Rates, prime and penalty →Lakeland Credit UnionCredit union · AB · 12 rates · 5-yr fixed from 4.39%Rates, prime and penalty →Vision Credit UnionCredit union · AB · 5 rates · 5-yr fixed from 5.74%Rates, prime and penalty →Christian Credit UnionCredit union · AB · 7 rates · 5-yr fixed from 4.54%Rates, prime and penalty →Bow Valley Credit UnionCredit union · AB · 8 rates · 5-yr fixed from 4.49%Rates, prime and penalty →Meridian Credit UnionCredit union · · 15 rates · 5-yr fixed from 4.59%Rates, prime and penalty →VancityCredit union · · 17 rates · 5-yr fixed from 4.79%Rates, prime and penalty →First National FinancialMortgage lender · Canada-wide · 55 rates · 5-yr fixed from 4.99%Rates, prime and penalty →nestoDigital lender · AB, BC, ON, QC · 8 rates · 5-yr fixed from 4.59%Rates, prime and penalty →RBC Royal BankBank · Canada-wide · 18 rates · 5-yr fixed from 4.84%Rates, prime and penalty →TDBank · Canada-wide · 13 rates · 5-yr fixed from 5.39%Rates, prime and penalty →ScotiabankBank · Canada-wide · 10 rates · 5-yr fixed from 6.19%Rates, prime and penalty →BMOBank · Canada-wide · 4 rates · 5-yr fixed from 4.99%Rates, prime and penalty →CIBCBank · Canada-wide · 4 rates · 5-yr fixed from 4.99%Rates, prime and penalty →National BankBank · Canada-wide · 18 rates · 5-yr fixed from 4.69%Rates, prime and penalty →TangerineDigital lender · Canada-wide · 8 rates · 5-yr fixed from 5.19%Rates, prime and penalty →Simplii FinancialDigital lender · Canada-wide · 12 rates · 5-yr fixed from 5.34%Rates, prime and penalty →
Not collected this time
- Coast Capital Savings: The site timed out for direct downloads and could only be read through a summarizing tool, so its rates are held back until a direct read confirms them. (page)
- Connect First Credit Union: Merged into Servus Credit Union (connectfirstcu.com redirects to servus.ca); see Servus.
- MCAP: Publishes only its prime rate (4.70%, effective October 29, 2026); mortgage rates are available through brokers. (page)
- Vermilion Credit Union: Publishes no residential mortgage rates.
- Rocky Credit Union and Lake View Credit Union: Their sites didn't respond on the collection date.
- Desjardins: Its mortgage-rates page had moved (error page) when we tried on November 2, 2026; Desjardins lends mainly in Quebec and Ontario. (page)
- EQ Bank, Manulife Bank and Laurentian Bank: Their pages didn't show readable residential mortgage rates when we tried (rates loaded by script, blocked, or sold through brokers).
Frequently asked questions
Where do these mortgage rates come from?
Each rate was read off the lender's own website on Nov 2, 2026 and links to that page, with the page's own "as of" date where it shows one. We don't take rates from rate-comparison sites, and no lender pays to be listed.
Why do some lenders show only a posted rate?
Some lenders publish only their posted (list) rates and negotiate discounts privately. We record what the page shows and label it. Posted rates are useful mainly for working out the penalty if you break a fixed mortgage.
Which lenders are missing?
Lenders whose pages we couldn't read directly, or that publish no rates (for example lenders that sell only through brokers), are listed at the bottom of this page with the reason. 7 were not collected this time.
Primary sources
- ATB Financial — Mortgage rates page. Checked .
- Servus Credit Union — Mortgage rates page. Checked .
- Lakeland Credit Union — Mortgage rates page. Checked .
- Vision Credit Union — Mortgage rates page. Checked .
- Christian Credit Union — Mortgage rates page. Checked .
- Bow Valley Credit Union — Mortgage rates page. Checked .
- Meridian Credit Union — Mortgage rates page. Checked .
- Vancity — Mortgage rates page. Checked .
- First National Financial — Mortgage rates page. Checked .
- nesto — Mortgage rates page. Checked .
- RBC Royal Bank — Mortgage rates page. Checked .
- TD — Mortgage rates page. Checked .
- Scotiabank — Mortgage rates page. Checked .
- BMO — Mortgage rates page. Checked .
- CIBC — Mortgage rates page. Checked .
- National Bank — Mortgage rates page. Checked .
- Tangerine — Mortgage rates page. Checked .
- Simplii Financial — Mortgage rates page. Checked .
Keep going
Rate boardThe lowest collected rate for every term.Open →Posted-rate penalty checkUses each lender's posted rates.Open →Is this a good rate?Paste an offer or renewal rate and see how it scores against benchmarks.isthisagoodrate.ca →Big-bank mortgages comparedHow the big banks' mortgage products, features and fine print differ.bankmortgages.ca →