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Our Best Mortgage Rates

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Mortgage rates can be confusing. The lowest online rate isn’t necessarily the best rate, nor is it even applicable to your situation. Your rate is actually determined by the type of transaction you’re doing, which falls into the following categories: First Time Homebuyer, Second Time Home Buyer, Renewal or Refinance.

If you still don’t understand, check out our Rate Game. We ask you a series of questions and display the best rates that apply to you.

Fixed Rates

2.99% - 1 YEAR FIXED

  • Timing: 120 Days
  • Transaction: Purchases, Renewals & Refinances
  • Property: Home & Condos
  • Restricted: no
  • Occupancy: Owner Occupied
  • Down Payment: less
  • Pre-Payments: Lump 15% Increase 100%
  • Portable: yes
  • Blendable: yes
  • Penalties: standard fixed
  • Pre-Approvals: Yes
  • Rate Hold: Rate Hold Available
  • Major Lender: Yes
  • Comments: Owner occupied properties only, no rentals

3.09% - 2 YEAR FIXED

  • Timing: 120 Days
  • Transaction: Purchases, Renewals & Refinances
  • Property: Home & Condos
  • Restricted: no
  • Occupancy: Owner Occupied
  • Down Payment: both
  • Pre-Payments: Lump 15% Increase 15%
  • Portable: yes
  • Blendable: yes
  • Penalties: standard fixed
  • Pre-Approvals: Yes
  • Rate Hold: Rate Hold Available
  • Major Lender: Yes
  • Comments: Owner occupied properties only, no rentals

3.29% - 3 YEAR FIXED

  • Timing: 120 Days
  • Transaction: Purchases, Renewals & Refinances
  • Property: Home & Condos
  • Restricted: no
  • Occupancy: Owner Occupied
  • Down Payment: both
  • Pre-Payments: Lump 15% Increase 15%
  • Portable: yes
  • Blendable: yes
  • Penalties: standard fixed
  • Pre-Approvals: Yes
  • Rate Hold: Rate Hold Available
  • Major Lender: Yes
  • Comments: Owner occupied properties only, no rentals

3.39% - 4 YEAR FIXED

  • Timing: 120 Days
  • Transaction: Purchases, Renewals & Refinances
  • Property: Home & Condos
  • Restricted: no
  • Occupancy: Owner Occupied
  • Down Payment: both
  • Pre-Payments: Lump 15% Increase 100%
  • Portable: yes
  • Blendable: yes
  • Penalties: standard fixed
  • Pre-Approvals: Yes
  • Rate Hold: Rate Hold Available
  • Major Lender: Yes
  • Comments: Owner occupied properties only, no rentals

3.24% - 5 YEAR FIXED

  • Timing: 120 Days
  • Transaction: Purchases Only
  • Property: Home & Condos
  • Restricted: no
  • Occupancy: Owner Occupied
  • Down Payment: less
  • Pre-Payments: Lump 15% Increase 15%
  • Portable: yes
  • Blendable: yes
  • Penalties: standard fixed
  • Rate Hold: Live Deals Only
  • Major Lender: Yes
  • Comments: Registered as a standard charge. Hi Ratio Purchases only (less than 20% down payment)

3.79% - 10 YEAR FIXED

  • Timing: 120 Days
  • Transaction: Purchases Only
  • Property: Home & Condos
  • Restricted: no
  • Occupancy: Owner Occupied
  • Down Payment: both
  • Pre-Payments: Lump 20% Increase 20%
  • Portable: yes
  • Blendable: yes
  • Penalties: standard fixed
  • Rate Hold: Live Deals Only
  • Comments: Insurable purchases/renewals only, 25 yr amortization, owner occupied, Property value under 1M

Variable Rates

2.45% - 5 YEAR VARIABLE

  • Timing: 120 Days
  • Transaction: Purchases Only
  • Property: Home & Condos
  • Restricted: no
  • Occupancy: Owner Occupied
  • Down Payment: less
  • Pre-Payments: Lump 20% Increase 20%
  • Portable: yes
  • Blendable: no
  • Penalties: standard variable
  • Rate Hold: Live Deals Only
  • Major Lender: Yes
  • Comments: Full feature, Standard charge mortgage, No restrictions

Fixed Rates

2.99% - 1 YEAR FIXED

  • Timing: 120 Days
  • Transaction: Purchases, Renewals & Refinances
  • Property: Home & Condos
  • Restricted: no
  • Occupancy: Owner Occupied
  • Down Payment: less
  • Pre-Payments: Lump 15% Increase 100%
  • Portable: yes
  • Blendable: yes
  • Penalties: standard fixed
  • Pre-Approvals: Yes
  • Rate Hold: Rate Hold Available
  • Major Lender: Yes
  • Comments: Owner occupied properties only, no rentals

3.09% - 2 YEAR FIXED

  • Timing: 120 Days
  • Transaction: Purchases, Renewals & Refinances
  • Property: Home & Condos
  • Restricted: no
  • Occupancy: Owner Occupied
  • Down Payment: both
  • Pre-Payments: Lump 15% Increase 15%
  • Portable: yes
  • Blendable: yes
  • Penalties: standard fixed
  • Pre-Approvals: Yes
  • Rate Hold: Rate Hold Available
  • Major Lender: Yes
  • Comments: Owner occupied properties only, no rentals

3.29% - 3 YEAR FIXED

  • Timing: 120 Days
  • Transaction: Purchases, Renewals & Refinances
  • Property: Home & Condos
  • Restricted: no
  • Occupancy: Owner Occupied
  • Down Payment: both
  • Pre-Payments: Lump 15% Increase 15%
  • Portable: yes
  • Blendable: yes
  • Penalties: standard fixed
  • Pre-Approvals: Yes
  • Rate Hold: Rate Hold Available
  • Major Lender: Yes
  • Comments: Owner occupied properties only, no rentals

3.39% - 4 YEAR FIXED

  • Timing: 120 Days
  • Transaction: Purchases, Renewals & Refinances
  • Property: Home & Condos
  • Restricted: no
  • Occupancy: Owner Occupied
  • Down Payment: both
  • Pre-Payments: Lump 15% Increase 100%
  • Portable: yes
  • Blendable: yes
  • Penalties: standard fixed
  • Pre-Approvals: Yes
  • Rate Hold: Rate Hold Available
  • Major Lender: Yes
  • Comments: Owner occupied properties only, no rentals

3.24% - 5 YEAR FIXED

  • Timing: 120 Days
  • Transaction: Purchases Only
  • Property: Home & Condos
  • Restricted: no
  • Occupancy: Owner Occupied
  • Down Payment: less
  • Pre-Payments: Lump 15% Increase 15%
  • Portable: yes
  • Blendable: yes
  • Penalties: standard fixed
  • Rate Hold: Live Deals Only
  • Major Lender: Yes
  • Comments: Registered as a standard charge. Hi Ratio Purchases only (less than 20% down payment)

3.79% - 10 YEAR FIXED

  • Timing: 120 Days
  • Transaction: Purchases Only
  • Property: Home & Condos
  • Restricted: no
  • Occupancy: Owner Occupied
  • Down Payment: both
  • Pre-Payments: Lump 20% Increase 20%
  • Portable: yes
  • Blendable: yes
  • Penalties: standard fixed
  • Rate Hold: Live Deals Only
  • Comments: Insurable purchases/renewals only, 25 yr amortization, owner occupied, Property value under 1M

Variable Rates

2.21% - 5 YEAR VARIABLE

  • Timing: 90 Days
  • Transaction: Purchases Only
  • Property: Home & Condos
  • Restricted: yes
  • Occupancy: Owner Occupied
  • Down Payment: less
  • Pre-Payments: Lump 20% Increase 20%
  • Portable: yes
  • Blendable: no
  • Penalties: standard variable
  • Rate Hold: Live Deals Only
  • Major Lender: Yes
  • Comments: Can't refinance to another lender during the term & bonafide sale clause in effect.

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