Our Lowest Mortgage Rates June 25, 2017

Just because these are our lowest rates

they may not be our very best ...


Well, how do I find the best rate for me?

The LOWEST rate and the BEST rate are rarely the same

That's why we’ve developed an interactive tool that filters rates based on what you’re doing and what features are important to you. It will educate you on what advertised rates actually mean.

As you play, rates that don’t apply to you disappear. It’s simple, you’ll be left with YOUR best rates.

Play Rate Game Ask a Question

B2B Bank
Canadiana Financial Corp
CMLS Financial
First National Financial LP
Industrial Alliance
Lendwise
Mcap
Merix
RMG Mortgages
Scotiabank
Street Capital
TD Canada Trust

2.24% 5 YR FIXED RATE

  • Timing: 90 days
  • Restrictions: yes
  • Property Type: Houses & Condos
  • Deal Type: Purchases, refinances & renewals
  • Occupancy: Owner Occupied Only
  • Portable: yes
  • Blendable: yes
  • Down Payment / Equity: Insured deals only (less than 20% downpayment/equity)
  • Pre-Payments: Lump Sum (20%) Payment Increase (20%)
  • Rate Hold: Live deals only (no pre-approvals/no rate holds)
  • Discharge Penalty: Standard Fixed Penalty (greater of 3 months interest or IRD (interest rate differential)
  • Details: Registered as a standard charge | bonafide sales clause in effect

2.44% 5 YR FIXED RATE

  • Timing: 90 days
  • Restrictions: yes
  • Property Type: Houses & Condos
  • Deal Type: Purchases Only
  • Occupancy: Owner Occupied Only
  • Portable: yes
  • Blendable: yes
  • Down Payment / Equity: Insured deals only (less than 20% downpayment/equity)
  • Pre-Payments: Lump Sum (20%) Payment Increase (20%)
  • Rate Hold: Live deals only (no pre-approvals/no rate holds)
  • Discharge Penalty: Standard Fixed Penalty (greater of 3 months interest or IRD (interest rate differential)
  • Details: Registered as a standard charge | bonafide sales clause in effect

2.54% 5 YR FIXED RATE

  • Timing: 90 days
  • Restrictions: no
  • Property Type: Houses & Condos
  • Deal Type: Purchases Only
  • Occupancy: Owner Occupied Only
  • Portable: yes
  • Blendable: yes
  • Down Payment / Equity: Insured deals only (less than 20% downpayment/equity)
  • Pre-Payments: Lump Sum (15%) Payment Increase (100%)
  • Rate Hold: Live deals only (no pre-approvals/no rate holds)
  • Discharge Penalty: Standard Fixed Penalty (greater of 3 months interest or IRD (interest rate differential)
  • Details: Registered as a standard charge

2.59% 5 YR FIXED RATE

  • Timing: 120 days
  • Restrictions: no
  • Property Type: Houses & Condos
  • Deal Type: Purchases, refinances & renewals
  • Occupancy: Owner Occupied Only
  • Portable: yes
  • Blendable: yes
  • Major Bank: Yes
  • Down Payment / Equity: Insured & Conventional deals
  • Pre-Payments: Lump Sum (15%) Payment Increase (100%)
  • Rate Hold: Yes
  • Discharge Penalty: Standard Fixed Penalty (greater of 3 months interest or IRD (interest rate differential)
  • Details: Registered as a collateral charge | max amortization 25 years, add 10 bps for 30 yr amortization | add 25 bps for rental

2.59% 5 YR FIXED RATE

  • Timing: 120 days
  • Restrictions: no
  • Property Type: Houses & Condos
  • Deal Type: Purchases, refinances & renewals
  • Occupancy: Owner Occupied Only
  • Portable: yes
  • Blendable: yes
  • Major Bank: Yes
  • Down Payment / Equity: Insured & Conventional deals
  • Pre-Payments: Lump Sum (15%) Payment Increase (15%)
  • Rate Hold: Yes
  • Discharge Penalty: Standard Fixed Penalty (greater of 3 months interest or IRD (interest rate differential)
  • Details: Registered as a standard charge or collateral charge (if you would like a re-advanceable credit line)

2.79% 5 YR FIXED RATE

  • Timing: 120 days
  • Restrictions: no
  • Property Type: Houses & Condos
  • Deal Type: Purchases, refinances & renewals
  • Occupancy: Rentals Only
  • Portable: yes
  • Blendable: yes
  • Major Bank: Yes
  • Down Payment / Equity: Conventional deals only (more than 20% downpayment/equity)
  • Pre-Payments: Lump Sum (15%) Payment Increase (100%)
  • Rate Hold: Yes
  • Discharge Penalty: Standard Fixed Penalty (greater of 3 months interest or IRD (interest rate differential)
  • Details: registered as a collateral charge

1.75% 5 YR VARIABLE RATE

  • Timing: 90 days
  • Restrictions: yes
  • Property Type: Houses & Condos
  • Deal Type: Purchases Only
  • Occupancy: Owner Occupied Only
  • Portable: no
  • Blendable: no
  • Down Payment / Equity: Insured deals only (less than 20% downpayment/equity)
  • Pre-Payments: Lump Sum (20%) Payment Increase (20%)
  • Rate Hold: Live deals only (no pre-approvals/no rate holds)
  • Discharge Penalty: Standard Variable Penalty (3 months interest)
  • Details: Can't refinance to another lender during the term | Bonafide sale clause in effect |

1.95% 5 YR VARIABLE RATE

  • Timing: 90 days
  • Restrictions: yes
  • Property Type: Houses & Condos
  • Deal Type: Purchases Only
  • Occupancy: Owner Occupied Only
  • Portable: no
  • Blendable: no
  • Down Payment / Equity: Insured deals only (less than 20% downpayment/equity)
  • Pre-Payments: Lump Sum (20%) Payment Increase (20%)
  • Rate Hold: Live deals only (no pre-approvals/no rate holds)
  • Discharge Penalty: Standard Variable Penalty (3 months interest)
  • Details: Can't refinance to another lender during the term | Bonafide sale clause in effect |

2.00% 5 YR VARIABLE RATE

  • Timing: 120 days
  • Restrictions: no
  • Property Type: Houses & Condos
  • Deal Type: Purchases Only
  • Occupancy: Owner Occupied Only
  • Portable: yes
  • Blendable: no
  • Down Payment / Equity: Insured deals only (less than 20% downpayment/equity)
  • Pre-Payments: Lump Sum (15%) Payment Increase (100%)
  • Rate Hold: Live deals only (no pre-approvals/no rate holds)
  • Discharge Penalty: Standard Variable Penalty (3 months interest)
  • Details: Registered as a standard charge | Must mature by 09/2021

2.15% 5 YR VARIABLE RATE

  • Timing: 120 days
  • Restrictions: no
  • Property Type: Houses & Condos
  • Deal Type: Purchases Only
  • Occupancy: Owner Occupied Only
  • Portable: yes
  • Blendable: yes
  • Major Bank: Yes
  • Down Payment / Equity: Insured deals only (less than 20% downpayment/equity)
  • Pre-Payments: Lump Sum (15%) Payment Increase (15%)
  • Rate Hold: Live deals only (no pre-approvals/no rate holds)
  • Discharge Penalty: Standard Variable Penalty (3 months interest)
  • Details: Standard charge

2.15% 5 YR VARIABLE RATE

  • Timing: 120 days
  • Restrictions: no
  • Property Type: Houses & Condos
  • Deal Type: Purchases Only
  • Occupancy: Owner Occupied Only
  • Portable: yes
  • Blendable: yes
  • Major Bank: Yes
  • Down Payment / Equity: Insured & Conventional deals
  • Pre-Payments: Lump Sum (15%) Payment Increase (15%)
  • Rate Hold: Yes
  • Discharge Penalty: Standard Variable Penalty (3 months interest)
  • Details: Registered as a standard charge. Re-advanceable credit line (HELOC) available registered as collateral charge.

2.25% 5 YR VARIABLE RATE

  • Timing: 120 days
  • Restrictions: no
  • Property Type: Houses & Condos
  • Deal Type: Purchases, refinances & renewals
  • Occupancy: Owner Occupied Only
  • Portable: no
  • Blendable: no
  • Major Bank: Yes
  • Down Payment / Equity: Insured & Conventional deals
  • Pre-Payments: Lump Sum (15%) Payment Increase (100%)
  • Rate Hold: Yes
  • Discharge Penalty: Standard Variable Penalty (3 months interest)
  • Details: Registered as a collateral charge | max amortization 25 yrs otherwise add 10 bps | add 25 bps for rental

2.35% 5 YR VARIABLE RATE

  • Timing: 120 days
  • Restrictions: no
  • Property Type: Houses & Condos
  • Deal Type: Purchases, refinances & renewals
  • Occupancy: Rentals Only
  • Portable: yes
  • Blendable: no
  • Major Bank: Yes
  • Down Payment / Equity: Conventional deals only (more than 20% downpayment/equity)
  • Pre-Payments: Lump Sum (15%) Payment Increase (100%)
  • Rate Hold: Live deals only (no pre-approvals/no rate holds)
  • Discharge Penalty: Standard Variable Penalty (3 months interest)
  • Details: registered as collateral charge

2.50% 5 YR VARIABLE RATE

  • Timing: 120 days
  • Restrictions: no
  • Property Type: Houses & Condos
  • Deal Type: Purchases, refinances & renewals
  • Occupancy: Rentals Only
  • Portable: yes
  • Blendable: yes
  • Major Bank: Yes
  • Down Payment / Equity: Conventional deals only (more than 20% downpayment/equity)
  • Pre-Payments: Lump Sum (15%) Payment Increase (15%)
  • Rate Hold: Yes
  • Discharge Penalty: Standard Variable Penalty (3 months interest)

3.24% 10 YR FIXED RATE

  • Timing: 120 days
  • Restrictions: no
  • Property Type: Houses & Condos
  • Deal Type: Purchases, refinances & renewals
  • Occupancy: Owner Occupied Only
  • Portable: yes
  • Blendable: yes
  • Major Bank: Yes
  • Down Payment / Equity: Insured & Conventional deals
  • Pre-Payments: Lump Sum (15%) Payment Increase (15%)
  • Rate Hold: Yes
  • Discharge Penalty: Standard Fixed Penalty (greater of 3 months interest or IRD (interest rate differential)
  • Details: Major Bank | 25 year amortization | add 10 bps for 30 year amortization

2.14% 1 YR FIXED RATE

  • Timing: 120 days
  • Restrictions: no
  • Property Type: Houses & Condos
  • Deal Type: Purchases Only
  • Occupancy: Owner Occupied Only
  • Portable: yes
  • Blendable: yes
  • Down Payment / Equity: Insured & Conventional deals
  • Pre-Payments: Lump Sum (15%) Payment Increase (100%)
  • Rate Hold: Live deals only (no pre-approvals/no rate holds)
  • Discharge Penalty: Standard Fixed Penalty (greater of 3 months interest or IRD (interest rate differential)
  • Details: Registered as a standard charge | No rentals | Is an effective rate that incorporates a cash back based off a higher contract rate | Min mortgage amount 350K | Appraisal fee not covered

2.09% 2 YR FIXED RATE

  • Timing: 120 days
  • Restrictions: no
  • Property Type: Houses & Condos
  • Deal Type: Purchases, refinances & renewals
  • Occupancy: Owner Occupied Only
  • Portable: yes
  • Blendable: yes
  • Major Bank: Yes
  • Down Payment / Equity: Insured & Conventional deals
  • Pre-Payments: Lump Sum (15%) Payment Increase (15%)
  • Rate Hold: Live deals only (no pre-approvals/no rate holds)
  • Discharge Penalty: Standard Fixed Penalty (greater of 3 months interest or IRD (interest rate differential)
  • Details: Registered as standard charge

2.19% 2 YR FIXED RATE

  • Timing: 120 days
  • Restrictions: no
  • Property Type: Houses & Condos
  • Deal Type: Purchases, refinances & renewals
  • Occupancy: Owner Occupied & Rentals
  • Portable: no
  • Blendable: no
  • Major Bank: Yes
  • Down Payment / Equity: Insured & Conventional deals
  • Pre-Payments: Lump Sum (15%) Payment Increase (100%)
  • Rate Hold: Yes
  • Discharge Penalty: Standard Fixed Penalty (greater of 3 months interest or IRD (interest rate differential)
  • Details: Registered as a collateral charge | max amortization 25 yrs otherwise add 10 bps to rate | Add 25 bps for rental

2.36% 3 YR FIXED RATE

  • Timing: 120 days
  • Restrictions: no
  • Property Type: Houses & Condos
  • Deal Type: Purchases, refinances & renewals
  • Occupancy: Owner Occupied & Rentals
  • Portable: yes
  • Blendable: yes
  • Major Bank: Yes
  • Down Payment / Equity: Insured & Conventional deals
  • Pre-Payments: Lump Sum (15%) Payment Increase (100%)
  • Rate Hold: Yes
  • Discharge Penalty: Standard Fixed Penalty (greater of 3 months interest or IRD (interest rate differential)
  • Details: Registered as a collateral charge | max amortization 25 yrs otherwise add 10 bps to rate | Add 25 bps for rental

2.34% 4 YR FIXED RATE

  • Timing: 120 days
  • Restrictions: no
  • Property Type: Houses & Condos
  • Deal Type: Purchases, refinances & renewals
  • Occupancy: Owner Occupied Only
  • Portable: yes
  • Blendable: yes
  • Down Payment / Equity: Insured deals only (less than 20% downpayment/equity)
  • Pre-Payments: Lump Sum (20%) Payment Increase (20%)
  • Rate Hold: Live deals only (no pre-approvals/no rate holds)
  • Discharge Penalty: Standard Fixed Penalty (greater of 3 months interest or IRD (interest rate differential)
  • Details: Registered as standard charge

2.49% 4 YR FIXED RATE

  • Timing: 120 days
  • Restrictions: no
  • Property Type: Houses & Condos
  • Deal Type: Purchases Only
  • Occupancy: Owner Occupied Only
  • Portable: yes
  • Blendable: yes
  • Down Payment / Equity: Insured deals only (less than 20% downpayment/equity)
  • Pre-Payments: Lump Sum (20%) Payment Increase (20%)
  • Rate Hold: Live deals only (no pre-approvals/no rate holds)
  • Discharge Penalty: Standard Fixed Penalty (greater of 3 months interest or IRD (interest rate differential)
  • Details: Standard Charge

2.49% 4 YR FIXED RATE

  • Timing: 120 days
  • Restrictions: no
  • Property Type: Houses & Condos
  • Deal Type: Purchases, refinances & renewals
  • Occupancy: Owner Occupied & Rentals
  • Portable: yes
  • Blendable: yes
  • Major Bank: Yes
  • Down Payment / Equity: Insured & Conventional deals
  • Pre-Payments: Lump Sum (15%) Payment Increase (100%)
  • Rate Hold: Yes
  • Discharge Penalty: Standard Fixed Penalty (greater of 3 months interest or IRD (interest rate differential)
  • Details: Registered as a collateral charge |max amortization 25 yrs otherwise add 10 bps to rate | Add 25 bps for rental

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