Compare mortgage rates

Search published products from lenders serving Ontario. Compare rates, fees, and conditions side by side.

Browse published conditions; results do not determine eligibility. Ontario coverage is not a guarantee of availability at every address.

3 rate options from 1 lender

Alphabetical by lender

Fixed · 1-year term
First mortgage

Published rate3.49% 1-year fixed special

Checked Oct 26, 2026

Conditions: Owner-occupied residential; lender qualification criteria apply
Fees and APR: A 1.00% fee based on the original mortgage amount applies if the mortgage is paid out, transferred or not renewed with PenFinancial at term end.

Fixed · 5-year term
First mortgage

Published rate4.89% 5-year conventional fixed

Checked Oct 26, 2026

Conditions: Owner-occupied residential; lender qualification criteria apply
Fees and APR: APR and fees are not stated for this row on the public rate page; lender conditions apply.

Fixed · 5-year term
First mortgage

Published rate4.54% 5-year high-ratio fixed

Checked Oct 26, 2026

Conditions: Owner-occupied residential; default-insured/high-ratio criteria apply
Fees and APR: APR and fees are not stated for this row on the public rate page; lender conditions apply.