4-Year Fixed Mortgage Rates

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Mortgage Term:

Number of Years

Fixed or Variable

Mortgage Reason:
Home Price:
Down Payment:
%
Mortgage Amount:
Click to Open Additional Options
LenderRateMonthly Payment
nuborrow
nuborrow
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1.69%
$1,942
Peoples Bank
Peoples Bank
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1.74%
$1,954
MCAP
MCAP
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1.84%
$1,977
motusbank
motusbank
1.89%
$1,988
Alterna Savings
Alterna Savings
1.94%
$1,999
Canada Life
Canada Life
1.95%
$2,002
First National
First National
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1.99%
$2,011
Tangerine
Tangerine
2.04%
$2,023
CMLS
CMLS
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2.04%
$2,023
Simplii Financial
Simplii Financial
2.09%
$2,034
Canadian Western
Canadian Western
2.14%
$2,046
Equitable
Equitable
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2.24%
$2,069
ATB
ATB
2.24%
$2,069
First Ontario
First Ontario
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2.24%
$2,069
TD
TD
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2.29%
$2,081
Scotiabank
Scotiabank
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2.39%
$2,105
National
National
2.39%
$2,105
DUCA
DUCA
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2.39%
$2,105
Manulife
Manulife
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2.49%
$2,129
RBC
RBC
2.59%
$2,153
HSBC
HSBC
3.94%
$2,492
BMO
BMO
4.09%
$2,531
Desjardins
Desjardins
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4.09%
$2,531
Laurentian
Laurentian
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4.09%
$2,531
CIBC
CIBC
4.24%
$2,571
Investors Group
Investors Group
4.24%
$2,571
ICICI
ICICI
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4.29%
$2,584

Notes

  • Rates above apply to high-ratio insured mortgages only. You can select other mortgage rates by changing your mortgage reason or down payment.
  • Terms and conditions may apply. Promotional rates may apply only to customers with an established credit and employment history. For alternative mortgages, see Private Mortgages in Canada.

Mortgages Rates Between Different Provinces

Mortgage rates in Canada can differ from province to province depending on the availability of lenders, local housing market and mortgage conditions, and provincial regulations. While the Big 5 Banks offer mortgages in every province, many smaller lenders including credit unions, B lenders, and private mortgage lenders often operate in a single province only. A lender offering the best rate in Ontario may not be available in Saskatchewan, for example. Similarly, a smaller number of lenders in a province could mean less competition, leading to higher rates in general.

ProvinceBest 4-Year Fixed Rate
Alberta
Alberta
British Columbia
British Columbia
Ontario
Ontario
Quebec
Quebec
Manitoba
Manitoba
Saskatchewan
Saskatchewan
Nova Scotia
Nova Scotia
New Brunswick
New Brunswick
Prince Edward Island
Prince Edward Island
The calculators and content on this page are provided for general information purposes only. WOWA does not guarantee the accuracy of information shown and is not responsible for any consequences of the use of the calculator.