Every rate on our panel, in one table

These are broker rates, not posted rates. They assume a qualifying application — your advisor confirms what you actually get.

Lowest right now

3.84%

5-Year fixed · Northline Trust

Check if I qualify

10 offers match. Sorted lowest rate first.

Lender	Term	Type	Rate	APR	Prepayment
Northline Trust Monoline	5-Year	fixed	3.84% Lowest	3.89%	20% / 20% annually	Get this rate
Cascade Credit Union Credit Union	3-Year	fixed	3.94%	4.01%	20% / 20% annually	Get this rate
Cascade Credit Union Credit Union	5-Year	variable	3.95%	3.99%	20% / 20% annually	Get this rate
Prairie Mutual Credit Union	5-Year	variable	4.05%	4.10%	20% / 20% annually	Get this rate
Dominion Financial Bank	4-Year	fixed	4.09%	4.14%	20% / 20% annually	Get this rate
Harbourstone Capital Monoline	3-Year	variable	4.20%	4.25%	20% / 20% annually	Get this rate
Northline Trust Monoline	2-Year	fixed	4.64%	4.72%	20% / 20% annually	Get this rate
Bluewater Bank Bank	7-Year	fixed	4.79%	4.84%	20% / 20% annually	Get this rate
Maplewood Bank Bank	10-Year	fixed	5.14%	5.19%	20% / 20% annually	Get this rate
Maplewood Bank Bank	1-Year	fixed	5.29%	5.41%	20% / 20% annually	Get this rate

Rates change daily and are not a commitment to lend. APR includes mandatory lender fees and assumes a $500,000 mortgage over a 25-year amortization. Insured pricing requires a qualifying down payment and an eligible property.

Before you compare

Fixed or variable — which should I take?

Fixed buys certainty; variable historically costs less over a full term but moves with the Bank of Canada. The right answer depends on your risk tolerance, how long you will hold the property, and your penalty exposure if you break early. Your advisor will model both.

Why is the rate I see different from the rate I get?

Posted rates assume an ideal file: strong credit, provable income, an insured or conventional loan-to-value, and an owner-occupied property. Rental, refinance, extended amortization and bruised-credit files price higher. Your quote reflects your actual file.

What is the difference between a rate and an APR?

The rate determines your interest charge. The APR folds in mandatory lender fees, so it shows the true annual cost of borrowing. Compare APRs when two offers look close.

Every rate on our panel, in one table

Before you compare

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