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Find the Best Fixed Mortgage Rates in Canada

Compare the best fixed mortgage rates from major banks, credit unions and mortgage brokers.

Today's top rates in:

5-Year Variable
5.89%
5-Year Fixed
4.79%
Select one of the following to get started!

Compare best fixed mortgage rates from lenders across Canada

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Desjardins
TD
National Bank of Canada logo
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Best Fixed Mortgage Rates in Canada

Evaluate Canada’s best fixed mortgage rates in one place. RATESDOTCA’s Rate Matrix lets you compare pricing for all key mortgage types and terms.

Rates are based on an average mortgage of $300,000

Insured 80% LTV 65% LTV Uninsured Bank Rate
1-year fixed rate 4.99% 5.99% 5.99% 6.69%
6.79%
2-year fixed rate 5.67% 5.39% 5.39% 6.04%
6.39%
3-year fixed rate 4.84% 5.04% 5.04% 4.94%
5.55%
4-year fixed rate 5.09% 5.14% 5.14% 5.09%
5.29%
5-year fixed rate 4.84% 4.89% 4.89% 4.94%
4.84%
7-year fixed rate 5.60% 5.70% 5.70% 5.65%
5.90%
10-year fixed rate 6.00% 6.09% 6.09% 6.05%
7.25%
3-year variable rate 6.10% 6.80% 6.80% N/A
8.60%
5-year variable rate 5.99% 6.25% 6.25% 6.25%
6.59%
HELOC rate 7.70% 7.40% 7.40% 7.40% N/A
Stress test 6.74% 6.79% 6.79% 5.25% N/A
Best TD Bank Fixed Mortgage RatesUpdated 13:15 ET on Apr 23, 2024

*Rates are based on a $300,000 mortgage.

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6.59%
Term
0.5 Yr Fixed
Loan to value
Up to 95%
Insurance
Insured
Rate held until
Aug 21
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7.84%
Term
1 Yr Fixed
Loan to value
Up to 95%
Insurance
Insured
Rate held until
Aug 21
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7.34%
Term
2 Yr Fixed
Loan to value
Up to 95%
Insurance
Insured
Rate held until
Aug 21

*Rates are based on a $300,000 mortgage.

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6.04%
Term
3 Yr Fixed
Loan to value
Up to 95%
Insurance
Insured
Rate held until
Aug 21
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6.99%
Term
4 Yr Fixed
Loan to value
Up to 95%
Insurance
Insured
Rate held until
Aug 21
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5.34%
Term
5 Yr Fixed
Loan to value
80.01% to 95%
Insurance
Insured
Rate held until
May 23
Best CIBC Fixed Mortgage RatesUpdated 13:15 ET on Apr 23, 2024

*Rates are based on a $300,000 mortgage.

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8.25%
Term
0.5 Yr Fixed
Loan to value
Up to 95%
Insurance
Insured
Rate held until
Jul 22
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7.44%
Term
1 Yr Fixed
Loan to value
Up to 95%
Insurance
Insured
Rate held until
Jul 22
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7.19%
Term
2 Yr Fixed
Loan to value
Up to 95%
Insurance
Insured
Rate held until
Jul 22

*Rates are based on a $300,000 mortgage.

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6.99%
Term
3 Yr Fixed
Loan to value
Up to 95%
Insurance
Insured
Rate held until
Jul 22
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6.74%
Term
4 Yr Fixed
Loan to value
Up to 95%
Insurance
Insured
Rate held until
Jul 22
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5.04%
Term
5 Yr Fixed
Loan to value
80.01% to 95%
Insurance
Insured
Rate held until
Jul 22
Best Scotiabank Fixed Mortgage RatesUpdated 13:15 ET on Apr 23, 2024

*Rates are based on a $300,000 mortgage.

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7.95%
Term
0.5 Yr Fixed
Loan to value
Up to 95%
Insurance
Insured
Rate held until
Aug 21
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8.04%
Term
1 Yr Fixed
Loan to value
Up to 95%
Insurance
Insured
Rate held until
Aug 21
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7.64%
Term
2 Yr Fixed
Loan to value
Up to 95%
Insurance
Insured
Rate held until
Aug 21

*Rates are based on a $300,000 mortgage.

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7.49%
Term
3 Yr Fixed
Loan to value
Up to 95%
Insurance
Insured
Rate held until
Jul 22
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7.04%
Term
4 Yr Fixed
Loan to value
Up to 95%
Insurance
Insured
Rate held until
Jul 22
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7.04%
Term
5 Yr Fixed
Loan to value
Up to 95%
Insurance
Insured
Rate held until
Jul 22
Best National Bank Fixed Mortgage RatesUpdated 13:15 ET on Apr 23, 2024

*Rates are based on a $300,000 mortgage.

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7.94%
Term
0.25 Yr Fixed
Loan to value
Up to 95%
Insurance
Insured
Rate held until
Jul 22
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7.94%
Term
0.5 Yr Fixed
Loan to value
Up to 95%
Insurance
Insured
Rate held until
Jul 22
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7.84%
Term
1 Yr Fixed
Loan to value
Up to 95%
Insurance
Insured
Rate held until
Jul 22

*Rates are based on a $300,000 mortgage.

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8.09%
Term
2 Yr Fixed
Loan to value
Up to 95%
Insurance
Insured
Rate held until
Jul 22
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7.24%
Term
3 Yr Fixed
Loan to value
Up to 95%
Insurance
Insured
Rate held until
Jul 22
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5.64%
Term
4 Yr Fixed
Loan to value
Up to 95%
Insurance
Insured
Rate held until
Jul 22

*Rates are based on a $300,000 mortgage.

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5.64%
Term
5 Yr Fixed
Loan to value
Up to 95%
Insurance
Insured
Rate held until
Jul 22
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7.34%
Term
6 Yr Fixed
Loan to value
Up to 95%
Insurance
Insured
Rate held until
Jul 22
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7.34%
Term
7 Yr Fixed
Loan to value
Up to 95%
Insurance
Insured
Rate held until
Jul 22
Best Bank of Montreal Fixed Mortgage RatesUpdated 13:15 ET on Apr 23, 2024

*Rates are based on a $300,000 mortgage.

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8.09%
Term
0.5 Yr Fixed
Loan to value
Up to 95%
Insurance
Insured
Rate held until
Aug 31
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8.09%
Term
1 Yr Fixed
Loan to value
Up to 95%
Insurance
Insured
Rate held until
Aug 31
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7.69%
Term
2 Yr Fixed
Loan to value
Up to 95%
Insurance
Insured
Rate held until
Aug 31

*Rates are based on a $300,000 mortgage.

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7.20%
Term
3 Yr Fixed
Loan to value
Up to 95%
Insurance
Insured
Rate held until
Aug 31
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6.99%
Term
4 Yr Fixed
Loan to value
Up to 95%
Insurance
Insured
Rate held until
Aug 31
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5.14%
Term
5 Yr Fixed
Loan to value
80.01% to 95%
Insurance
Insured
Rate held until
Aug 31

*Rates are based on a $300,000 mortgage.

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7.24%
Term
6 Yr Fixed
Loan to value
Up to 95%
Insurance
Insured
Rate held until
Aug 31
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7.35%
Term
7 Yr Fixed
Loan to value
Up to 95%
Insurance
Insured
Rate held until
Aug 31
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7.64%
Term
10 Yr Fixed
Loan to value
Up to 95%
Insurance
Insured
Rate held until
Aug 31
Best RBC Fixed Mortgage RatesUpdated 13:15 ET on Apr 23, 2024

*Rates are based on a $300,000 mortgage.

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7.79%
Term
0.5 Yr Fixed
Loan to value
Up to 95%
Insurance
Insured
Rate held until
Aug 21
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6.89%
Term
1 Yr Fixed
Loan to value
Up to 95%
Insurance
Insured
Rate held until
Aug 21
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6.39%
Term
2 Yr Fixed
Loan to value
Up to 95%
Insurance
Insured
Rate held until
Aug 21

*Rates are based on a $300,000 mortgage.

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5.55%
Term
3 Yr Fixed
Loan to value
Up to 95%
Insurance
Insured
Rate held until
Aug 21
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5.29%
Term
4 Yr Fixed
Loan to value
Up to 95%
Insurance
Insured
Rate held until
Aug 21