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Current Mortgage Rates: Variable, 6 Month - 5 Year Fixed

Note: These rates are provided as a convenience. Although every attempt is made, Ontario Equity does not guarantee the accuracy of these rates.

Note: Some rates may not be available in certain areas.

Financial Institution
Mortgage Term
Variable 6 Mth 1 Year 2 Year 3 Year 4 Year 5 Year
CanEquity Mortgage 1.85*/3.9 5.99 4.99 4.44 3.94 4.19 4.19
Alterna Bank 4.050 6.790 5.290 4.980 3.940 4.490 3.990
Alterna Savings 4.050 6.790 5.290 4.980 3.940 4.490 3.990
Bank of Montreal (BMO) 4.450 6.090 6.090 5.390 6.050 5.990 6.090
Bank of Nova Scotia
 4.900 6.090 6.090 5.390 6.050 5.990 6.090
CIBC Mortgages 4.450 7.550 5.240 5.490 6.640 6.190 6.490
Desjardins - Caisses 4.450 7.990 6.090 5.790 5.990 6.040 6.090
Effort Trust - 5.250 5.250 5.090 5.090 5.090 5.000
First National Financial LP 4.700 - 4.990 4.440 4.540 4.740 4.740
FirstOntario Credit Union 4.400 6.090 5.040 4.440 4.240 4.490 4.390
Home Trust 3.550 - 7.350 5.920 4.740 5.670 4.290
IC Savings - 4.990 4.990 4.540 4.390 4.490 4.540
Kindred Credit Union 4.450 - 5.150 4.900 4.700 4.700 4.700
Laurentian Bank Canada 6.450 7.840 6.090 5.690 5.990 5.990 6.090
Libro Credit Union - 7.750 5.090 4.890 4.690 4.790 4.790
Luminus Financial - - 5.990 5.840 4.590 5.690 4.750
Manulife Bank 4.450 7.990 7.140 6.590 5.240 5.540 5.190
Meridian Credit Union 3.890 7.840 6.090 5.740 4.240 6.190 4.440
National Bank 4.450 6.090 6.090 5.390 6.050 5.990 6.090
Parama Credit Union 4.450 - 4.990 4.890 4.790 4.690 4.590
Peace Hills Trust - 7.740 5.490 5.390 4.890 4.890 4.590
Royal Bank of Canada (RBC) 4.450 6.090 5.840 5.140 6.050 5.990 6.090
Steinbach Credit Union - - 4.990 4.490 4.190 4.090 4.090
TD CanadaTrust 4.600 6.090 6.090 5.390 6.050 5.990 6.090
Tangerine 4.000 - 5.990 5.140 4.440 4.490 4.490
Your Neighbourhood CU - - 5.990 5.990 4.490 4.490 4.490
Last Updated
Friday, October 31, 2025
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