Canadian mortgage rate comparison
Compare active fixed and variable mortgage rates from RBC, TD, BMO, CIBC and Scotiabank. Filter by lender, term, amortization and mortgage category, then use Morteller to see the wider monthly home cost.
Rate references are for comparison and planning. They are not personalized offers, approvals or guarantees of availability. Morteller is not affiliated with any lender. When a lowest rate is identified, it is selected only from the active matching products stored in Morteller. Always confirm product details and eligibility with the lender.
Active rate directory
57 matching of 57 active rates
RBC
1 Year Fixed Closed · Special
Interest rate
5.14%
1-year term25-year amortization
RBC
1 Year Fixed Closed · Special
Interest rate
5.24%
1-year term30-year amortization
RBC
2 Year Fixed Closed · Special
Interest rate
5.14%
2-year term25-year amortization
RBC
2 Year Fixed Closed · Special
Interest rate
5.24%
2-year term30-year amortization
RBC
3 Year Fixed Closed · Special
Interest rate
4.99%
3-year term25-year amortization
RBC
3 Year Fixed Closed · Special
Interest rate
5.09%
3-year term30-year amortization
RBC
4 Year Fixed Closed · Special
Interest rate
5.04%
4-year term25-year amortization
RBC
4 Year Fixed Closed · Special
Interest rate
5.14%
4-year term30-year amortization
RBC
5 Year Fixed High Ratio Closed
Interest rate
4.74%
5-year term30-year amortization
RBC
5 Year Fixed High Ratio Closed
Interest rate
4.84%
5-year term25-year amortization
Add the property, down payment and city to compare mortgage payments with tax, utilities, insurance and applicable costs.
How to compare mortgage rates
Rate type, term, amortization and eligibility all shape the payment and the mortgage you can actually obtain. Compare the complete product details before using a rate in a home budget.
Fixed rates stay unchanged for the term. Variable rates can move with the lender's prime rate.
The term controls the current agreement period. Amortization is the longer mortgage repayment schedule.
Down payment, insurance category, property and lender rules determine which listed products may apply.
Mortgage rate questions
A fixed mortgage rate stays unchanged for the selected term. A variable rate can move during the term as the lender's prime rate changes, subject to the product's terms.
No. The term is the period covered by the mortgage agreement and rate. The amortization is the longer schedule used to repay the mortgage, commonly 25 or 30 years.
Mortgage insurance, down payment, purchase price and lender eligibility rules can affect which rate applies. A listed rate is not automatically available for every mortgage.
No. Morteller shows planning references from active rate data. Final rates, qualification and approval depend on the lender, borrower and property.
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