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Agent Rate Sheet

Today's Best Rates

Broker-exclusive pricing across 90+ lenders. Effective August 28, 2026 · OAC.

Bank of Canada Policy Rate
Target for the overnight rate
2.25%
as of July 15, 2026
Last change-0.25%
  • 1 YearFixed
    Insured6.14%
    Insurable6.24%
    Uninsured6.29%
  • 2 YearFixed
    Insured5.29%
    Insurable5.39%
    Uninsured5.49%
  • 3 YearFixed
    Insured4.34%
    Insurable4.44%
    Uninsured4.59%
    Popular
  • 4 YearFixed
    Insured4.29%
    Insurable4.44%
    Uninsured4.54%
  • 5 YearFixed
    Insured3.99%
    Insurable4.14%
    Uninsured4.29%
    Best Value
  • 7 YearFixed
    Insured4.94%
    Insurable5.04%
    Uninsured5.14%
  • 10 YearFixed
    Insured5.19%
    Insurable5.29%
    Uninsured5.39%
  • 3 YearVariable
    Insured4.55%
    Insurable4.70%
    Uninsured4.85%
  • 5 YearVariable
    Insured4.45%
    Insurable4.60%
    Uninsured4.79%
  • 5 YearARM
    Insured4.65%
    Insurable4.80%
    Uninsured4.95%
  • HELOCVariable
    Insured—
    Insurable—
    Uninsured6.20%
Insured: < 20% down, CMHC/Sagen/CG premium paid.
Insurable: ≥ 20% down, ≤ $1M, ≤ 25 yr amortization.
Uninsured: Refinances, rentals, > $1M, or 30 yr amortization.

Rates are for illustration and subject to change without notice. Final pricing depends on qualification, product features, and lender guidelines. OAC.

Bank of Canada
Canadian maple leaf

Policy Interest Rate

Source: bankofcanada.ca

Current Rate — as of July 15, 2026
2.25%
Target for the overnight rate
Last change:-0.25%on October 29, 2025
Rate History
Date
Target (%)
Change (%)
  • July 15, 20262.25—
  • June 10, 20262.25—
  • April 29, 20262.25—
  • March 18, 20262.25—
  • January 28, 20262.25—
  • December 10, 20252.25—
  • October 29, 20252.25-0.25
  • September 17, 20252.50-0.25
  • July 30, 20252.75—
  • June 4, 20252.75—
  • April 16, 20252.75—
  • March 12, 20252.75-0.25
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%
2.00%4.29%25.00%
yrs
5 years25 years30 years
InsuredInsurableUninsuredLTV 80.0%

20%+ down, under $1M and 25-year amortization — lender-paid insurance pricing.

No default insurance premium is added to this scenario.

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Estimated monthly payment
$3,264
per month
Down payment
$150,000
Total mortgage
$600,000
Total interest
$379,165
Total paid over term
$979,165
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Estimates only. Actual payments depend on lender, insurance, taxes, and qualification.

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