CURRENT RATE INFORMATION • 2026

Mortgage rate options in Toronto and Ontario.

We help clients explore competitive rate options from multiple lenders. Your actual rate depends on your full application and lender criteria.

TERM & TYPE RATE LENDER MATCH AI CONFIDENCE
5 Year Fixed — High Ratio Insured 3.99% Multiple A-lenders + monoline 98%
5 Year Variable — High Ratio 3.39% Prime - 1.21% High
3 Year Fixed — Insured 3.99% Short-term flexibility High
5 Year Fixed — Conventional (20%+) 4.14% Best banks + credit unions High
2 Year Fixed — Insured 4.29% Rate watchers High
Rates subject to change. Final rate depends on credit, LTV, income type, and lender conditions. Our AI finds the absolute best available for your specific file.
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LIMITED TIME • 2026 SPRING RATE RELIEF PROGRAM

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