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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.

162 rate options from 65 lenders

Alphabetical by lender
Alterna Bank

5 Year Signature Fixed Closed

Fixed · 5-year term
First mortgage

Published rate5.04% 5-year Signature fixed closed

Checked Oct 26, 2026

Lender source
Conditions
Residential; down payment of 20% or more for Signature pricing
Fees and APR
5.08% APR shown by the lender; official APR assumptions and conditions apply.
Published rate4.69% interest · 4.73% APR

Checked Oct 26, 2026

Lender source
Conditions
Owner-occupied residential; default-insured/high-ratio criteria apply
Fees and APR
4.73% APR based on the lender's stated $200,000 mortgage, 25-year amortization, monthly payments and $350 valuation fee.
Alterna Savings

5 Year Signature Fixed Closed

Fixed · 5-year term
First mortgage

Published rate5.04% interest · 5.08% APR

Checked Oct 26, 2026

Lender source
Conditions
Residential; lender qualification criteria apply
Fees and APR
5.08% APR shown by the lender; Signature pricing requires at least 20% down.
Published rate4.69% interest · 4.73% APR

Checked Oct 26, 2026

Lender source
Conditions
Owner-occupied residential; default-insured/high-ratio criteria apply
Fees and APR
4.73% APR based on the lender's stated $200,000 mortgage, 25-year amortization, monthly payments and $350 valuation fee.
BAY Credit Union

5 Year Closed Mortgage

Fixed · 5-year term
First mortgage

Published rate5.89% 5-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.
BCU Financial

5 Year Fixed Mortgage

Fixed · 5-year term
First mortgage

Published rateFrom 4.99% for 5-year fixed

Checked Oct 26, 2026

Lender source
Conditions
Residential; lender qualification criteria apply
Fees and APR
5.14% APR shown by the lender; rate is displayed as a starting rate and conditions apply.
BMO

5 Year Smart Fixed Default-Insured

Fixed · 5-year term
First mortgage

Published rate4.99% · 5-year Smart Fixed default-insured (APR 5.01%)

Checked Oct 26, 2026

Lender source
Conditions
Owner-occupied residential; default-insured/high-ratio criteria apply
Fees and APR
The official terms page publishes this figure as APR; additional product conditions apply.
Caisse Alliance

5 Year Closed Fixed Posted

Fixed · 5-year term
First mortgage

Published rate6.49% interest · 6.574% 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

5 Year Closed Fixed Special

Fixed · 5-year term
First mortgage

Published rate5.14% interest · 5.223% 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.
Caisse Alliance

5 Year Insured Closed Fixed Special

Fixed · 5-year term
First mortgage

Published rate4.94% interest and APR

Checked Oct 26, 2026

Lender source
Conditions
Owner-occupied residential; default-insured/high-ratio criteria apply
Fees and APR
APR assumes the lender's stated $250,000 mortgage and $300 processing fee, including property-valuation costs.
Published rate4.99% special

Checked Oct 26, 2026

Lender source
Conditions
High-ratio mortgage · greater than 80% LTV · default insurance required · exact maximum LTV not stated
Fees and APR
5.01% APR · APR assumes a $275,000 mortgage, 25-year amortization and $300 property valuation fee · lender fee not stated
CIBC

5 Year Fixed Closed — Posted

Fixed · 5-year term
First

Published rate6.49% posted

Checked Oct 26, 2026

Lender source
Conditions
Amortization 25 years or less · exact maximum LTV not stated on rate page
Fees and APR
Lender fee not stated on public rate page