What are the best mortgage rates in Canada today?

The best mortgage rates depend on the lender, mortgage type, and borrower qualifications. Posted rates are a starting point, but many borrowers qualify for lower broker-negotiated rates.

Are posted mortgage rates the rates I will receive?

Not always. Posted rates are often higher than the final rate offered after underwriting, negotiation, or lender promotions.

How often do mortgage rates change in Canada?

Mortgage rates can change daily or even multiple times per week, especially when bond yields or Bank of Canada expectations shift.

Rates from 3.65%

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