Wellington County, Ontario Updated August 23, 2026 Best Mortgage Rates inGuelph University city with strong community values 🏠 Avg. Home Price $820,000 -3.8% YoY 🏢 Avg. Condo Price $495,000 📅 Days on Market 30 ⭐ Best 5-Yr Fixed 4.04% Get Pre-Approved Today Calculate Payments 📊 Rate Comparison Compare Mortgage Rates in Guelph Get personalized rates for your city See local market data and mortgage tips Enable Location Updated August 23, 2026 Today's Best Mortgage Rates Compare discounted rates from Canada's top lenders. These are actual rates you can get - not posted bank rates. Prime Rate 4.45% Apply Now → Best 5-Yr Fixed 4.04% Apply Now → Best Variable 3.50% Apply Now → Featured Mortgage Rates Best discounted rates available today – sorted by lowest rate Term Lender Best Rate 5-Year Variable National Bank 3.50% Get This Rate 3-Year Fixed National Bank 3.89% Get This Rate 4-Year Fixed National Bank 3.99% Get This Rate 5-Year Fixed National Bank 4.04% Get This Rate 2-Year Fixed National Bank 4.24% Get This Rate 7-Year Fixed National Bank 4.54% Get This Rate 1-Year Fixed MCAP 4.69% Get This Rate 10-Year Fixed MCAP 4.69% Get This Rate Ready to Lock In Your Rate? Get pre-approved in minutes. No obligation, no credit impact. Get Approved Today * Rates shown are discounted rates for insured mortgages. Rates may vary based on credit profile, down payment, and property type. Subject to change without notice. OAC. 🏙️ Market Overview Guelph Mortgage Market Overview 2026 Guelph consistently ranks among Canada's most livable cities, with low crime, strong schools, and vibrant culture. The average home price of $820,000 reflects these premiums. The University of Guelph anchors the economy alongside diverse manufacturing and tech sectors. The market has corrected 3.8%, improving buyer conditions while maintaining the city's reputation for stability. 💡 Local Insights Mortgage Tips for Guelph Buyers Expert advice tailored to the local Guelph real estate market. First-Time Buyers South end Guelph offers newer townhomes with good value. Min. down payment: $41,000 (5% of avg. price) Refinancing Guelph's stable appreciation supports consistent equity building. Investment Property University of Guelph student rentals provide reliable income. Ready to buy in Guelph? Get pre-approved in minutes. No obligation, no credit impact. See what you qualify for today. Get Pre-Approved Free → 📍 Neighborhoods Popular Areas in Guelph Downtown Old University South End West End Grange Hill Clairfields 🏦 Local Lenders Top Mortgage Lenders in Guelph We compare rates from these and 50+ other lenders to find you the best deal. TD Canada Trust RBC Meridian FirstOntario DUCA ❓ FAQ Frequently Asked Questions About Mortgages in Guelph Is Guelph good for families? Excellent. Guelph ranks among Ontario's safest cities with strong schools, extensive parks, and family-oriented community events. It's a popular choice for families leaving Toronto. Get the Best Mortgage Rate in Guelph Work with a local mortgage expert who understands the Guelph market. We compare rates from 50+ lenders to save you thousands. ✓ Free, no-obligation quote ✓ No credit impact ✓ 50+ lenders compared Get Your Free Quote Calculate Payments Best Rates, Mortgage Brokerage Lic#12685. Regulated by the Financial Services Regulatory Authority of Ontario (FSRA). Related Mortgage Guides Mortgages for Doctors, Dentists, and Medical Professionals in Canada (2026) What Income Do You Need for a Mortgage in Canada? Can You Be Denied a Mortgage Renewal in Canada? How Much Equity Can You Take Out of Your Home in Canada? Mortgage Pre-Approval vs Pre-Qualification in Canada
