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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.

118 rate options from 61 lenders

Alphabetical by lender
Alterna Bank

3 Year Signature Fixed Closed

Fixed · 3-year term
First mortgage

Published rate4.94% interest · 5.00% APR

Checked Oct 26, 2026

Lender source
Conditions
Owner-occupied residential; lender qualification criteria apply
Fees and APR
5.00% APR shown by the lender; Signature pricing requires at least 20% down.
Alterna Bank

3 Year Smart Start High-Ratio Fixed Closed

Fixed · 3-year term
First mortgage

Published rate4.59% interest · 4.65% APR

Checked Oct 26, 2026

Lender source
Conditions
Owner-occupied residential; default-insured/high-ratio criteria apply
Fees and APR
4.65% APR based on the lender's stated $200,000 mortgage, 25-year amortization, monthly payments and $350 valuation fee.
Alterna Savings

3 Year Signature Fixed Closed

Fixed · 3-year term
First mortgage

Published rate4.94% interest · 5.00% APR

Checked Oct 26, 2026

Lender source
Conditions
Residential; lender qualification criteria apply
Fees and APR
5.00% APR shown by the lender; Signature pricing requires at least 20% down.
BAY Credit Union

3 Year Closed Mortgage

Fixed · 3-year term
First mortgage

Published rate4.29% 3-year closed

Checked Oct 26, 2026

Lender source
Conditions
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.
BAY Credit Union

3 Year Conventional Closed Special

Fixed · 3-year term
First mortgage

Published rate4.29% 3-year conventional closed special

Checked Oct 26, 2026

Lender source
Conditions
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.
BAY Credit Union

3 Year Insured Closed Special

Fixed · 3-year term
First mortgage

Published rate3.99% 3-year insured closed special

Checked Oct 26, 2026

Lender source
Conditions
Owner-occupied residential; default-insured criteria apply
Fees and APR
APR and fees are not stated for this row on the public rate page; special is for new purchases or switches and conditions apply.
BCU Financial

3 Year Closed Fixed

Fixed · 3-year term
First mortgage

Published rateFrom 5.29% interest · 5.44% APR

Checked Oct 26, 2026

Lender source
Conditions
Residential; lender qualification criteria apply
Fees and APR
5.44% APR shown by the lender.
BMO

3 Year Fixed Closed Special

Fixed · 3-year term
First mortgage

Published rate4.94% 3-year fixed closed special

Checked Oct 26, 2026

Lender source
Conditions
Residential; amortization of 25 years or less for displayed special
Fees and APR
4.97% APR shown by BMO for amortizations of 25 years or less; APR assumptions and other conditions are stated on the source page.
Caisse Alliance

3 Year Closed Fixed Posted

Fixed · 3-year term
First mortgage

Published rate6.19% interest · 6.325% APR

Checked Oct 19, 2026

Lender source
Conditions
Residential; lender qualification criteria apply
Fees and APR
APR assumes the lender's stated $250,000 mortgage and $300 processing fee, including property-valuation costs.
Caisse Alliance

3 Year Closed Fixed Special

Fixed · 3-year term
First mortgage

Published rate5.14% interest · 5.274% APR

Checked Oct 26, 2026

Lender source
Conditions
Residential; lender qualification criteria apply
Fees and APR
APR assumes the lender's stated $250,000 mortgage and $300 processing fee, including property-valuation costs.