Mortgage rate comparison

Advertised rates are subject to eligibility and confirmation by the lender. Filter term, insurance and transaction before comparing. Each APR retains its source’s assumptions; it is not your personalised borrowing cost.

Compare

BMO

BMO — 3-year fixed special

Fixed · 3 yearsClosedAnalyze this mortgage

Annual interest rate: 4.94%
Published APR: 4.97%

Offer: 3-year fixed special
Rate kind: Special offer rate
Default insurance: Confirm with lender
Open or closed: Closed
Maximum amortization: 25 years
Transactions: Purchase
Conditions: BMO special offer, subject to credit approval; funds advanced within 130 days. Amortization of 25 years or less. Existing BMO renewals excluded; confirm other transactions.
Rate checked: Nov 3, 2026

Compare

BMO

BMO — 5-year Smart Fixed insured

Fixed · 5 yearsInsuredClosedAnalyze this mortgage

Annual interest rate: 4.99%
Published APR: 5.01%

Offer: 5-year Smart Fixed insured
Rate kind: Special offer rate
Default insurance: Insured
Open or closed: Closed
Maximum amortization: 25 years
Transactions: Purchase
Conditions: BMO special offer, subject to credit approval; funds advanced within 130 days. Smart Fixed default insured: owner-occupied purchase under $1M, less than 20% down and insurance required. Existing BMO renewals/refinances, rental properties and Homeowner ReadiLine excluded.
Rate checked: Nov 3, 2026

Compare

RBC Royal Bank

RBC — 3-year fixed special

Fixed · 3 yearsClosedAnalyze this mortgage

Annual interest rate: 5.09%
Published APR: 5.13%

Offer: 3-year fixed special
Rate kind: Special offer rate
Default insurance: Confirm with lender
Open or closed: Closed
Maximum amortization: 25 years
Transactions: Purchase · Switch at renewal
Conditions: RBC special offer, subject to credit approval and lender conditions. Purchase or switch, amortization of 25 years or less; longer amortization uses a different rate. Funds advanced within 120 days of application.
Rate checked: Nov 8, 2026

Compare

RBC Royal Bank

RBC — 5-year fixed insured

Fixed · 5 yearsInsuredClosedAnalyze this mortgage

Annual interest rate: 4.84%
Published APR: 4.87%

Offer: 5-year fixed insured
Rate kind: Special offer rate
Default insurance: Insured
Open or closed: Closed
Maximum amortization: Confirm with lender
Transactions: Purchase
Conditions: RBC special offer, subject to credit approval and lender conditions. Residential purchase under $1M per lender footnote 4, less than 20% down and mortgage default insurance required. Funds advanced within 120 days of application.
Rate checked: Nov 8, 2026

Compare

RBC Royal Bank

RBC — 5-year fixed special

Fixed · 5 yearsClosedAnalyze this mortgage

Annual interest rate: 5.14%
Published APR: 5.17%

Offer: 5-year fixed special
Rate kind: Special offer rate
Default insurance: Confirm with lender
Open or closed: Closed
Maximum amortization: 25 years
Transactions: Purchase · Switch at renewal
Conditions: RBC special offer, subject to credit approval and lender conditions. Purchase or switch, amortization of 25 years or less; longer amortization uses a different rate. Funds advanced within 120 days of application.
Rate checked: Nov 8, 2026

Compare

RBC Royal Bank

RBC — 5-year variable special

Variable · 5 yearsClosedAnalyze this mortgage

Annual interest rate: 4.40%
Published APR: 4.43%

Offer: 5-year variable special
Rate kind: Special offer rate
Default insurance: Confirm with lender
Open or closed: Closed
Maximum amortization: 25 years
Transactions: Purchase · Switch at renewal
Conditions: RBC special offer, subject to credit approval and lender conditions. Purchase or switch, amortization of 25 years or less; longer amortization uses a different rate. Funds advanced within 120 days of application.
Rate checked: Nov 8, 2026

Compare mortgage rates

Filters

Mortgage rates

BMO — 3-year fixed special

BMO — 5-year Smart Fixed insured

RBC — 3-year fixed special

RBC — 5-year fixed insured

RBC — 5-year fixed special

RBC — 5-year variable special