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Current Mortgage Rates
| Financial Institution | Interest Rate | Get Started |
|---|---|---|
 First National | 5.49% | |
 Scotiabank | 5.50% | |
 BMO | 5.90% | |
 MCAP | 6.64% |
First National
5 Year Fixed
4.39%
3 Year Fixed
4.81%
Scotiabank
5 Year Fixed
4.49%
3 Year Fixed
4.24%
BMO
5 Year Fixed
4.69%
3 Year Fixed
4.54%
MCAP
5 Year Fixed
4.39%
3 Year Fixed
4.39%
Last updated: May 7, 2026
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Why Choose Mortio
- Best rates from top Canadian lenders
- Tailored to your needs no matter your situation
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- Fast and easy online application process
Understanding Your Options
Fixed Rates: Your interest rate remains constant throughout the term, providing stability and predictable payments.
Variable Rates: Your rate may fluctuate with the prime rate, potentially offering lower initial rates but with some uncertainty.
Term Length: Choose from various terms to balance flexibility with rate security based on your financial goals.
Ready to Find Your Perfect Mortgage?
Our mortgage experts are ready to help you navigate your options and find the right solution for your needs.