Back to Home

Best Mortgage Rates in Canada 2026

Compare mortgage rates from Canada's top lenders. Find the lowest fixed and variable rates for your home purchase or renewal. Rates updated daily based on current market conditions.

n

nesto 5-Year Fixed

Interest Rate
4.64%
5-Year Fixed
Fees
No lender fees
Pros
  • Lowest 5-year fixed rate
  • Digital mortgage
Compare Now
All Pros
  • Lowest 5-year fixed rate
  • Digital mortgage
  • Fast approval
  • No lender fees
Cons
  • Online only
  • Limited branch access
  • Newer lender
R

RateHub.ca 5-Year Fixed

Interest Rate
4.69%
5-Year Fixed
Fees
Varies by lender
Pros
  • Competitive rate
  • Multiple lender options
Compare Now
All Pros
  • Competitive rate
  • Multiple lender options
  • Rate comparison
  • Broker service
Cons
  • Not a direct lender
  • Rate depends on approval
  • Broker fees may apply
T

TD Bank 5-Year Fixed

Interest Rate
5.49%
5-Year Fixed
Fees
Standard fees apply
Pros
  • Big bank security
  • Branch access
Compare Now
All Pros
  • Big bank security
  • Branch access
  • Full service banking
  • Established reputation
Cons
  • Higher rates
  • More fees
  • Slower approval
  • Less flexible
n

nesto Variable Rate

Interest Rate
5.20%
Variable (Prime - 0.25%)
Fees
No lender fees
Pros
  • Lowest variable rate
  • Rate drops with prime
Compare Now
All Pros
  • Lowest variable rate
  • Rate drops with prime
  • Flexible
  • Digital process
Cons
  • Rate can increase
  • Less predictable
  • Online only
R

RateHub.ca Variable

Interest Rate
5.30%
Variable (Prime - 0.15%)
Fees
Varies by lender
Pros
  • Competitive variable rate
  • Multiple lenders
Compare Now
All Pros
  • Competitive variable rate
  • Multiple lenders
  • Rate comparison
  • Broker service
Cons
  • Rate fluctuates
  • Not a direct lender
  • Approval dependent
S

Scotiabank 3-Year Fixed

Interest Rate
5.14%
3-Year Fixed
Fees
Standard fees apply
Pros
  • Shorter commitment
  • Big bank security
Compare Now
All Pros
  • Shorter commitment
  • Big bank security
  • Branch network
  • Full service
Cons
  • Higher than 5-year
  • More fees
  • Renewal risk in 3 years