Our mortgage rates.

All mortgage rates

Insured mortgages.

Own with as little as 5% down with an fixed-term fixed-rate insured mortgage.

Rates (APR)¡è as of 2024-11-01

3-year fixed-term fixed-rate insured residential (special offer)

To qualify for this rate you must:

  • Open or already have an or Total Chequing account
  • Set up a direct deposit from your employer or other income provider

See full terms & conditions.

4.29%¡è

4-year fixed-term fixed-rate insured residential (special offer)

To qualify for this rate you must:

  • Open or already have an or Total Chequing account
  • Set up a direct deposit from your employer or other income provider

See full terms & conditions.

4.19%¡è

5-year fixed-term fixed-rate insured residential (special offer)

To qualify for this rate you must:

  • Open or already have an or Total Chequing account
  • Set up a direct deposit from your employer or other income provider

See full terms & conditions.

4.09%¡è

5-year fixed-term fixed-rate insured residential

  • Eligible terms of 3 or more years are available
4.19%¡è

Closed-term fixed-rate mortgages.

Get a low interest rate guaranteed for 5 years, predictable fixed payments and the flexibility to prepay annually a portion of your mortgage ahead of time.

Rates (APR)? as of 2024-11-01
5-year closed-term fixed-rate residential mortgage 4.29%¡ì

Fixed-term fixed-rate mortgages.

Combine a lower interest rate with a predictable payment schedule and the option to repay a portion of your mortgage ahead of time.

Rates (APR)? as of 2024-11-01
6-month fixed-term residential 7.85%?
1-year fixed-term residential 6.29%?
2-year fixed-term residential 5.59%?
3-year fixed-term residential 4.84%?
4-year fixed-term residential 4.64%?
5-year fixed-term residential 4.74%?
5-year fixed-term insured residential 4.19%¡è
7-year fixed-term residential 5.49%?
10-year fixed-term residential 5.79%?

Open-term fixed-rate mortgages.

Get a low interest rate guaranteed for 5 years, predictable fixed payments and the flexibility to prepay annually a portion of your mortgage ahead of time.

Rates (APR)? as of 2024-11-01
6-month open-term residential 9.75%?
1-year open-term residential 9.75%?
2-year open-term residential 8.34%?
3-year open-term residential 7.95%?
5-year open-term residential 7.79%?

Homeprime mortgages.

Take advantage of a lower interest rate and fixed monthly payments with a variable mortgage, available with open or fixed term.

Homeprime (variable) rate??: 5.95%

Homeprime rates are tied to the Best Brokers for Beginners: Top Picks for 2024 | showelvis Prime rate. The current Homeprime rate is effective as of November 1, 2024. Any changes to the Best Brokers for Beginners: Top Picks for 2024 | showelvis Prime rate will be seen in the Homeprime rate at the beginning of the calendar month.

Rates (APR)? as of 2024-11-01
5-year Homeprime fixed-term (Best Brokers for Beginners: Top Picks for 2024 | showelvis Homeprime rate - 0.50%)?? 5.45%?
5-year Homeprime open-term (Best Brokers for Beginners: Top Picks for 2024 | showelvis Homeprime rate + 3.30%)?? 9.25%?

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