WhichLender.caYour comparison 0

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
Published rate4.75% 3-year conventional special

Checked Oct 26, 2026

Lender source
Conditions
Owner-occupied residential; lender qualification criteria apply
Fees and APR
The lender states APR equals the annual interest rate when no additional borrowing fees apply.
Kindred Credit Union

3 Year Closed Fixed

Fixed · 3-year term
First mortgage

Published rate5.05% 3-year closed

Checked Oct 26, 2026

Lender source
Conditions
Owner-occupied residential; lender qualification criteria apply
Fees and APR
The lender states APR equals the annual interest rate when no additional borrowing fees apply.
Published rate4.44% 3-year high-ratio special

Checked Oct 26, 2026

Lender source
Conditions
Owner-occupied residential; default-insured/high-ratio criteria apply
Fees and APR
The lender states APR equals the annual interest rate when no additional borrowing fees apply.
Published rate4.75% 3-year discount closed OAC

Checked Oct 26, 2026

Lender source
Conditions
Residential; approval is based on credit, amortization and geography; 60-day rate guarantee applies
Fees and APR
APR and fees are not stated for this row on the public rate page; lender conditions and approval criteria apply.
Published rate5.45% 3-year closed

Checked Oct 26, 2026

Lender source
Conditions
Residential property; lender membership, credit and qualification criteria apply
Fees and APR
APR and fees are not stated for this row on the public rate page; lender conditions and approval criteria apply.
Libro Credit Union

3 Year Closed Fixed

Fixed · 3-year term
First mortgage

Published rate5.09% 3-year closed

Checked Oct 26, 2026

Lender source
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.
Libro Credit Union

3 Year Closed High-Ratio

Fixed · 3-year term
First mortgage

Published rate4.39% 3-year closed high-ratio

Checked Oct 26, 2026

Lender source
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.
Luminus Financial

3 Year Closed Co-op Mortgage

Fixed · 3-year term
First mortgage

Published rateFrom 4.84% · 3-year closed co-op

Checked Oct 26, 2026

Lender source
Conditions
Residential co-op or co-ownership; lender criteria apply
Fees and APR
APR and fees are not stated for this row on the public rate page; lender qualification criteria apply.
Luminus Financial

3 Year Closed Fixed Mortgage

Fixed · 3-year term
First mortgage

Published rateFrom 5.30% · 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 qualification criteria apply.
Luminus Financial

3 Year Closed Mortgage Special

Fixed · 3-year term
First mortgage

Published rate4.59% · 3-year closed special

Checked Oct 26, 2026

Lender source
Conditions
Residential; lender qualification criteria apply
Fees and APR
Limited-time special; may be withdrawn at any time and cannot be combined with other offers. Rates effective 2026-09-29. APR and fees are not stated; approved credit and other conditions apply.
Mainstreet Credit Union

3 Year Closed Fixed

Fixed · 3-year term
First mortgage

Published rate4.79% 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 qualification criteria apply.
Mainstreet Credit Union

3 Year Closed High-Ratio

Fixed · 3-year term
First mortgage

Published rate4.34% 3-year closed high-ratio

Checked Oct 15, 2026

Lender source
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 qualification criteria apply.