Mortgage Rates Canada: RateBot.ca

RateBot.ca is a Canadian Mortgage Rate Comparison Engine. RateBot.ca was created to help our visitors secure the best mortgage rate using our mortgage rate comparison search engine. RateBot.ca provides you with the capability of comparing 100s of mortgage products in Canada.

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Last mortgage rate update: Jan 12, 2026 8:52 pm

Prime Rate: 3.2%
Overnight rate: 1%
Qualification Rate: 5.25%

Lowest mortgage rates in Canada

5.00% 5 year variable mortgage

4.49% 5 year fixed mortgage

Mortgage Products
Company	Rate	Payments	Type	Term	Rating
	4.49%	$470.08	Fixed Closed	5 Years	Currently /5
	4.80%	$489.03	Fixed Closed	1 Year	Currently /5
	5.00%	$501.42	Variable Closed	5 Years	Currently /5
	5.24%	$516.46	Fixed Closed	4 Years	Currently /5
	5.29%	$519.62	Fixed Closed	5 Years	Currently /5
	5.32%	$521.52	Fixed Closed	3 Years	Currently /5
	5.60%	$539.36	Variable Closed	5 Years	Currently /5
	5.69%	$545.15	Fixed Closed	2 Years	Currently /5
	5.74%	$548.37	Fixed Closed	5 Years	Currently /5
	5.79%	$551.60	Fixed Closed	4 Years	Currently /5
	6.00%	$565.25	Fixed Closed	34 Years	Currently /5
	6.00%	$565.25	Fixed Closed	5 Years	Currently /5
	6.04%	$567.87	Fixed Closed	4 Years	Currently /5
	6.04%	$567.87	Fixed Closed	4 Years	Currently /5
	6.05%	$568.52	Fixed Closed	3 Years	Currently /5
	6.09%	$571.14	Fixed Closed	4 Years	Currently /5
	6.14%	$574.42	Fixed Closed	3 Years	Currently /5
	6.14%	$574.42	Fixed Closed	3 Years	Currently /5
	6.19%	$577.71	Fixed Closed	2 Years	Currently /5
	6.19%	$577.71	Fixed Closed	2 Years	Currently /5
1 - 20 out of 46 mortgage products displayed Page(s): 1 2 3

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