Nordaux · Canada · Rates as of loading
Know before you borrow.
Mortgage research, market insights, and tools for better borrowing decisions.
Every 5-year fixed rate, today
Conventional · by lender typeLoading rates…
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Market snapshot
Source: Bank of Canada
Benchmarks · Source: Bank of Canada
On lender websites
On lender websites
The lowest variable rate is 0.00 pts below the lowest 5-year fixed rate today.
*Lowest observed rates from lenders' public websites as of the date shown above. Not an offer of credit. Rates available to you depend on your qualifications and may differ.
Try it
What would your payment be?
Move the sliders. It uses the same maths as the payment calculator, including Canadian semi-annual compounding and CMHC insurance.
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- Mortgage amount
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- Interest over the amortization
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- CMHC insurance premium
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Estimate only. For your own numbers, with bi-weekly payments and a full amortization schedule, use the payment calculator.
Rates by term
How far apart are lenders?
Each bar runs from the lowest to the highest conventional rate published for that term. The wider the bar, the more it pays to compare.
Range of published rates Lowest Median
Conventional (uninsured) rates only, as published on lender websites. Six-month terms are not shown. Not an offer of credit.
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Calculators
Start with the question you have
Built for Canadian rules — semi-annual compounding, CMHC premiums, and the B-20 stress test.
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Should I change my mortgage?
What cash do I need?
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Method
How the numbers are made
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Rates
We compile posted rates from lender public websites and present them in one place. Data is sourced and dated. Rates are not offers — they are editorial reference data. Last updated: date unavailable
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Calculators
Built for Canadian rules — semi-annual compounding, CMHC premiums, and the B-20 stress test. They run in your browser and are clearly labelled as estimates.
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Analysis and guides
We publish commentary on Bank of Canada decisions, rate trends, and what they mean for Canadian borrowers. Each article shows its publication date.
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Licensed Mortgage Broker. Manbir Natt · Sub-Mortgage Broker · BCFSA Licence #MB612411 · Legacy Mortgage Group · Surrey, BC