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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.

138 rate options from 48 lenders

Alphabetical by lender
Alterna Bank

3 Year Signature Variable Closed

Variable · 3-year term
First mortgage

Published rate4.25% interest · 4.31% APR

Checked Oct 26, 2026

Lender source
Conditions
Owner-occupied residential; lender qualification criteria apply
Fees and APR
4.31% APR shown by the lender; Signature pricing requires at least 20% down.
Alterna Bank

5 Year Signature Variable Closed

Variable · 5-year term
First mortgage

Published rate4.15% interest · 4.19% APR

Checked Oct 26, 2026

Lender source
Conditions
Owner-occupied residential; lender qualification criteria apply
Fees and APR
4.19% APR shown by the lender; Signature pricing requires at least 20% down.
Published rate3.70% interest · 3.74% APR

Checked Oct 26, 2026

Lender source
Conditions
Owner-occupied residential; default-insured/high-ratio criteria apply
Fees and APR
3.74% APR based on the lender's stated $200,000 mortgage, 25-year amortization, monthly payments and $350 valuation fee.
Alterna Savings

5 Year Signature Variable Closed

Variable · 5-year term
First mortgage

Published rate4.15% interest · 4.19% APR

Checked Oct 26, 2026

Lender source
Conditions
Residential; lender qualification criteria apply
Fees and APR
4.19% APR shown by the lender; Signature pricing requires at least 20% down.
Published rate3.70% interest · 3.74% APR

Checked Oct 26, 2026

Lender source
Conditions
Owner-occupied residential; default-insured/high-ratio criteria apply
Fees and APR
3.74% APR based on the lender's stated $200,000 mortgage, 25-year amortization, monthly payments and $350 valuation fee.
BCU Financial

3 Year Open Variable

Variable · 3-year term
First mortgage

Published rateFrom 5.40% 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

5 Year Variable Closed Special

Variable · 5-year term
First mortgage

Published rate4.10% · BMO Prime − 0.35% (APR 4.12%)

Checked Oct 26, 2026

Lender source
Conditions
Residential; lender qualification criteria apply
Fees and APR
The official terms page publishes this figure as APR; additional product conditions apply.
CIBC

3 Year Variable Flex — Posted

Variable · 3-year term
First

Published rate4.45% posted

Checked Oct 26, 2026

Lender source
Conditions
Variable Flex mortgage · amortization 25 years or less · exact maximum LTV not stated
Fees and APR
Lender fee not stated on public rate page
CIBC

3 Year Variable Flex — Special

Variable · 3-year term
First

Published rate4.15% special

Checked Oct 26, 2026

Lender source
Conditions
New mortgage special · variable Flex mortgage · amortization 25 years or less · exact maximum LTV not stated
Fees and APR
4.17% APR · APR assumes a $275,000 mortgage, 25-year amortization and $300 property valuation fee · lender fee not stated
Published rate4.05% 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
4.07% APR · APR assumes a $275,000 mortgage, 25-year amortization and $300 property valuation fee · lender fee not stated