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across Canada — today

Mortgage rates, GICs, savings accounts, and trusted lenders — all in one place, updated daily.

4.79%

Best 5-yr Fixed Today

5.45%

Best HELOC Rate

4.85%

Top 1-yr GIC

200+

Lenders Listed

BoC Policy Rate

3.00%

↓ 0.25%

Prime Rate

5.20%

— Unchanged

5-yr Fixed (avg)

5.09%

↓ 0.08%

5-yr Variable (avg)

5.45%

↑ 0.05%

OSFI Stress Test

7.09%

— Unchanged

Next BoC Decision

Apr 16

🏠 Mortgage Rates

Today's Best Mortgage Rates

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5-yr Fixed

3-yr Fixed

Variable

HELOC

Lender	Rate	Type	Monthly*
TD TD Bank	4.79%BEST	5-yr Fixed	$1,842
RBC RBC Royal Bank	4.84%	5-yr Fixed	$1,851
BMO BMO	4.89%	5-yr Fixed	$1,860
Scotiabank Scotiabank	4.94%	5-yr Fixed	$1,869
CIBC CIBC	4.99%	5-yr Fixed	$1,877

*Based on $400,000 mortgage, 25-yr amortization. Rates are indicative and subject to change.

Home Price

Down Payment

Interest Rate

Amortization

Monthly Payment

$2,746

Total Interest

$303K

💰 GIC & Savings

Top GIC & HISA Rates

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EQ Bank

^%4.85

1-Year GIC · Non-redeemable

🏆 Best Rate

Oaken Financial

^%4.80

1-Year GIC · Non-redeemable

Home Trust

Peoples Bank

^%4.75

1-Year GIC · Non-redeemable

RRSP Eligible

WealthOne Bank

^%4.70

1-Year GIC · Non-redeemable

TFSA Eligible

EQ Bank HISA

^%4.00

High-Interest Savings · No lock-in

💧 Redeemable

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🧮 Tools

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🏠

Mortgage Calculator

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Affordability Calculator

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Land Transfer Tax

Estimate land transfer taxes for Ontario, BC, Alberta and all provinces.

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🏦

GIC Return Calculator

See how much you'll earn with a GIC given any term, rate, and compound frequency.

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🔄

Mortgage Renewal Calc

Compare renewal rates and see how your payments change at renewal time.

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📅

CMHC Premium Calc

Calculate the CMHC mortgage insurance premium on your insured mortgage.

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📋 Directory

Canadian Lender Directory

Browse all 200+ lenders →

TD Canada Trust

Big 6 Bank · National

Mortgage HELOC GIC RRSP

Best 5-yr Fixed

4.79%

★★★★★

4.8 · 2,400 reviews

RBC

RBC Royal Bank

Big 6 Bank · National

Mortgage HELOC GIC

Best 5-yr Fixed

4.84%

★★★★☆

4.5 · 3,100 reviews

MCU

Meridian Credit Union

Credit Union · Ontario

Mortgage GIC TFSA

Best 5-yr Fixed

4.76%

★★★★★

4.9 · 890 reviews

BTB

Butler Mortgage

Monoline Broker · National

Mortgage Refinance Renewal

Best 5-yr Fixed

4.69%

★★★★★

4.9 · 620 reviews

EQ Bank

Online Bank · National

HISA GIC TFSA RRSP

Best HISA Rate

4.00%

★★★★★

4.8 · 1,450 reviews

HTG

Home Trust

Alternative Lender · National

B Lending Self-Employed New to Canada

Best 5-yr Fixed

5.49%

★★★★☆

4.3 · 310 reviews

📰 Blog & Guides

Latest from RateNorth

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🏦

Rate Outlook

Bank of Canada Cuts Rates 25bps — What It Means for Your Mortgage in 2026

The Bank of Canada cut its overnight rate to 3.00% in March, the eighth consecutive cut since June 2024. Here's what variable-rate holders and those renewing in 2026 need to know.

Mar 3, 2026 · 6 min read · Rate Outlook

📈

GIC Rates

Best GIC Rates in Canada for March 2026

Our monthly roundup of the top GIC rates available right now.

Mar 1, 2026 · 4 min read

🏘️

First-Time Buyers

FHSA vs RRSP: Which is Better for Your Down Payment?

A detailed comparison to help first-time buyers decide.

Feb 27, 2026 · 7 min read

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