Tangerine mortgage rates
Tangerine's lowest 5-year fixed rate on its own website was 5.19% (not split by down payment) when we read it on Nov 2, 2026. Its lowest variable was 4.20%. The lowest comparable rate we collected anywhere was 4.59% at ATB Financial. Tangerine's prime rate is 4.70%.
| Term | Lowest special / advertised | Posted | Gap | Payment at special | Payment at posted |
|---|---|---|---|---|---|
| 1-year | 5.99% | — | — | $3,196.06 | — |
| 2-year | 5.14% | — | — | $2,948.00 | — |
| 3-year | 4.94% | — | — | $2,890.97 | — |
| 4-year | 5.04% | — | — | $2,919.42 | — |
| 5-year | 5.19% | — | — | $2,962.34 | — |
| 7-year | 5.50% | — | — | $3,051.96 | — |
| 10-year | 5.90% | — | — | $3,169.37 | — |
| Tangerine 5-yr | 5.19%read Nov 2, 2026 |
|---|---|
| Lowest collected (ATB Financial) | 4.59% |
| Mortgage | $500,000, 25 years, 5-year term |
| Monthly payment, lower → higher rate | $2,792.44 → $2,962.34 |
| Interest difference over 5 years | $14,409 |
Open this example in the calculator →Computed Nov 2, 2026.
All Tangerine rates we collected
| Term | Type | Insured | Kind | Rate | Fine print | Source |
|---|---|---|---|---|---|---|
| 1-year | Fixed | Not split | special | 5.99% | Tangerine's published rates (the page doesn't call them posted or special). | page |
| 2-year | Fixed | Not split | special | 5.14% | Tangerine's published rates (the page doesn't call them posted or special). | page |
| 3-year | Fixed | Not split | special | 4.94% | Tangerine's published rates (the page doesn't call them posted or special). | page |
| 4-year | Fixed | Not split | special | 5.04% | Tangerine's published rates (the page doesn't call them posted or special). | page |
| 5-year | Variable | Not split | special | 4.20% | Tangerine's published rates (the page doesn't call them posted or special). | page |
| 5-year | Fixed | Not split | special | 5.19% | Tangerine's published rates (the page doesn't call them posted or special). | page |
| 7-year | Fixed | Not split | special | 5.50% | Tangerine's published rates (the page doesn't call them posted or special). | page |
| 10-year | Fixed | Not split | special | 5.90% | Tangerine's published rates (the page doesn't call them posted or special). | page |
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.
Prepayment and penalties
We didn't find Tangerine's penalty method on the pages we read. It's in your mortgage contract's information box.
Check a Tangerine posted-rate IRD · full penalty calculator on BankMortgages.ca
About this lender
Digital lender lending across Canada. Prime rate 4.70% as stated on its site (as of Oct 29, 2026).
Tangerine (a Scotiabank subsidiary) publishes one rate per term; existing clients may see preferred rates after logging in.
MortgageRateToday.ca isn't affiliated with Tangerine and isn't paid by any lender.
Frequently asked questions
What is Tangerine's 5-year fixed mortgage rate?
On Nov 2, 2026, Tangerine's own website showed 5.19% (special/advertised) for a 5-year fixed. Rates change often; check the lender's page.
What is Tangerine's variable mortgage rate?
The lowest closed variable rate on its page was 4.20% for a 5-year term, with Tangerine's prime at 4.70%.