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Find the Best 4-Year Fixed Mortgage Rates in Canada

Compare the most current 4-year fixed rates from major banks, credit unions and mortgage brokers.

Today's top rates in:

5-Year Variable
4.85%
5-Year Fixed
4.24%
Select one of the following to get started!

Compare 4-year fixed mortgage rates from lenders across Canada

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The Best Mortgage Rates in Canada

Evaluate Canada’s best 4 year fixed mortgage rates in one place. You can compare the most current 4 year fixed mortgage rates and monthly payments from 175+ banks and lenders across Canada.

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Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria.

Lender tooltip icon Insured tooltip icon Insurable tooltip icon Uninsured tooltip icon
Lendwire Inc.
Lendwire Inc.
4.04% grey tooltip icon
$2,640.95 / month
4.24% grey tooltip icon
$2,695.56 / month
4.24% grey tooltip icon
$2,695.56 / month
Lendwire Inc
Lendwire Inc
4.04% grey tooltip icon
$2,640.95 / month
4.24% grey tooltip icon
$2,695.56 / month
4.24% grey tooltip icon
$2,695.56 / month
MMG Mortgages
MMG Mortgages
4.14% grey tooltip icon
$2,668.19 / month
4.44% grey tooltip icon
$2,750.71 / month
4.44% grey tooltip icon
$2,750.71 / month
Rocket Mortgage
Rocket Mortgage
4.55% grey tooltip icon
$2,781.28 / month
4.75% grey tooltip icon
$2,837.28 / month
4.55% grey tooltip icon
$2,781.28 / month
Innovation Federal Credit Union
Innovation Federal Credit Union
4.57% grey tooltip icon
$2,786.86 / month
4.57% grey tooltip icon
$2,786.86 / month
4.57% grey tooltip icon
$2,786.86 / month
BMO
BMO
4.60% grey tooltip icon
$2,795.23 / month
4.82% grey tooltip icon
$2,857.00 / month
4.82% grey tooltip icon
$2,857.00 / month
Nuborrow
Nuborrow
5.49% grey tooltip icon
$3,049.05 / month
5.49% grey tooltip icon
$3,049.05 / month
5.49% grey tooltip icon
$3,049.05 / month
True North Mortgage
True North Mortgage
2.99% grey tooltip icon
$2,363.66 / month
2.99% grey tooltip icon
$2,363.66 / month
2.99% grey tooltip icon
$2,363.66 / month
Interior Savings
Interior Savings
3.99% grey tooltip icon
$2,627.39 / month
3.99% grey tooltip icon
$2,627.39 / month
3.99% grey tooltip icon
$2,627.39 / month
Sudbury Credit Union
Sudbury Credit Union
3.99% grey tooltip icon
$2,627.39 / month
3.99% grey tooltip icon
$2,627.39 / month
3.99% grey tooltip icon
$2,627.39 / month
City Wide Financial Corp
City Wide Financial Corp
3.99% grey tooltip icon
$2,627.39 / month
3.99% grey tooltip icon
$2,627.39 / month
3.99% grey tooltip icon
$2,627.39 / month
Prospera Credit Union
Prospera Credit Union
4.09% grey tooltip icon
$2,654.55 / month
4.09% grey tooltip icon
$2,654.55 / month
4.09% grey tooltip icon
$2,654.55 / month
Centum Clinton Wilkins
Centum Clinton Wilkins
4.14% grey tooltip icon
$2,668.19 / month
4.14% grey tooltip icon
$2,668.19 / month
4.14% grey tooltip icon
$2,668.19 / month
Monster Mortgage
Monster Mortgage
4.14% grey tooltip icon
$2,668.19 / month
4.14% grey tooltip icon
$2,668.19 / month
4.14% grey tooltip icon
$2,668.19 / month
Centum Home Lenders Ltd.
Centum Home Lenders Ltd.
4.14% grey tooltip icon
$2,668.19 / month
4.14% grey tooltip icon
$2,668.19 / month
4.14% grey tooltip icon
$2,668.19 / month
Nesto
Nesto
4.14% grey tooltip icon
$2,668.19 / month
4.14% grey tooltip icon
$2,668.19 / month
4.14% grey tooltip icon
$2,668.19 / month
First Credit Union
First Credit Union
4.19% grey tooltip icon
$2,681.85 / month
4.19% grey tooltip icon
$2,681.85 / month
4.19% grey tooltip icon
$2,681.85 / month
Multi-Prets
Multi-Prets
4.19% grey tooltip icon
$2,681.85 / month
4.19% grey tooltip icon
$2,681.85 / month
4.19% grey tooltip icon
$2,681.85 / month

Today's Best Mortgage Rates in Canada

Evaluate Canada’s best 4 year fixed mortgage rates in one place. RATESDOTCA’s Rate Matrix lets you compare 4 year fixed rates against all other key mortgage types and terms.

Rates are based on an average mortgage of $500,000

Insured 80% LTV 65% LTV Uninsured Bank Rate
1-year fixed rate 5.04% 4.19% 4.19% 6.63%
6.29%
2-year fixed rate 4.59% 4.09% 4.09% 4.59%
5.59%
3-year fixed rate 4.09% 4.14% 4.14% 4.34%
4.89%
4-year fixed rate 4.09% 4.14% 4.14% 4.54%
4.74%
5-year fixed rate 3.99% 3.99% 3.99% 4.19%
4.59%
7-year fixed rate 4.39% 4.39% 4.39% 5.90%
5.50%
10-year fixed rate 5.09% 4.74% 4.74% 5.90%
7.14%
3-year variable rate 4.60% 4.95% 4.95% 4.95%
6.85%
5-year variable rate 4.40% 4.55% 4.45% 4.45%
4.65%
HELOC rate N/A N/A N/A N/A N/A
Stress test 5.25% 5.25% 5.25% 5.25% N/A
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Written By Shivani Kaul

Content Manager

Updated

Today’s 4 years Fixed Mortgage RatesUpdated 09:41 ET on Jan 22, 2025

*Rates are based on an average mortgage of $500,000

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6.74%
Term
4 Yr Fixed
Loan to value
Up to 95%
Insurance
Insured
Rate held until
May 22
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6.54%
Term
4 Yr Fixed
Loan to value
Up to 95%
Insurance
Insured
Rate held until
Apr 22
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6.34%
Term
4 Yr Fixed
Loan to value
Up to 95%
Insurance
Insured
Rate held until
Apr 22

*Rates are based on an average mortgage of $500,000

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6.59%
Term
4 Yr Fixed
Loan to value
Up to 95%
Insurance
Insured
Rate held until
Apr 22
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6.34%
Term
4 Yr Fixed
Loan to value
Up to 95%
Insurance
Insured
Rate held until
Jun 01
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4.79%
Term
4 Yr Fixed
Loan to value
Up to 95%
Insurance
Insured
Rate held until
May 22

*Rates are based on an average mortgage of $500,000

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4.64%
Term
4 Yr Fixed
Loan to value
Up to 95%
Insurance
Insured
Rate held until
May 22