Durham Region, Ontario Updated August 23, 2026 Best Mortgage Rates inOshawa Affordable eastern GTA alternative with revitalization 🏠 Avg. Home Price $720,000 -4.8% YoY 🏢 Avg. Condo Price $445,000 📅 Days on Market 35 ⭐ Best 5-Yr Fixed 4.04% Get Pre-Approved Today Calculate Payments 📊 Rate Comparison Compare Mortgage Rates in Oshawa 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 Oshawa Mortgage Market Overview 2026 Oshawa offers the GTA's most affordable detached home prices with excellent GO Transit connectivity to Toronto. The average home price of $720,000 is $400,000 less than Toronto. The market has corrected 4.8% year-over-year, creating significant buyer opportunities. Downtown revitalization and Ontario Tech University growth are transforming the city's reputation and long-term investment potential. 💡 Local Insights Mortgage Tips for Oshawa Buyers Expert advice tailored to the local Oshawa real estate market. First-Time Buyers North Oshawa offers newer subdivisions with modern amenities. Min. down payment: $36,000 (5% of avg. price) Refinancing Oshawa's lower prices allow faster equity building for second property purchases. Investment Property Ontario Tech University and Durham College drive student rental demand. Ready to buy in Oshawa? Get pre-approved in minutes. No obligation, no credit impact. See what you qualify for today. Get Pre-Approved Free → 📍 Neighborhoods Popular Areas in Oshawa Downtown Windfields Taunton Northwood Kedron Columbus 🏦 Local Lenders Top Mortgage Lenders in Oshawa We compare rates from these and 50+ other lenders to find you the best deal. TD Canada Trust RBC DUCA Meridian FirstOntario ❓ FAQ Frequently Asked Questions About Mortgages in Oshawa How is the commute from Oshawa to Toronto? GO Transit offers frequent service from Oshawa to Union Station (55-65 minutes). The Highway 401/407 provides driving options. Many residents work in Durham Region, avoiding the commute entirely. Get the Best Mortgage Rate in Oshawa Work with a local mortgage expert who understands the Oshawa 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
