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Mortgages

Get smart answers to all your mortgage questions. Find out how much house you can afford, see today's mortgage rates, learn how to choose the right lender and more.
Mortgages
Current Mortgage Rates
Best Variable Mortgage Rates
Best 5-Year Fixed Mortgage Rates
Best 3-Year Fixed Mortgage Rates
Best Mortgage Renewal Rates
Best Mortgage Refinance Rates

Helpful mortgage calculators

Estimate your home-buying budget
Mortgage Affordability Calculator
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Quickly assess your monthly payments
Mortgage Payment Calculator
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Prepare for extra costs and fees
Closing Cost Calculator
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Compare mortgage rates in your province

Best Mortgage Rates in Ontario
Best Mortgage Rates in Ontario
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Best Mortgage Rates in B.C.
Best Mortgage Rates in B.C.
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Best Mortgage Rates in Alberta
Best Mortgage Rates in Alberta
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Best Mortgage Rates in Saskatchewan
Best Mortgage Rates in Saskatchewan
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Read our mortgage reviews

We’ve reviewed Big Banks, brokers, B Lenders and online-only lenders to help you finance your home purchase, refinance or renewal with confidence.

Your mortgage questions, answered

How much house can I afford?See how your interest rate, down payment and debt ratios affect your housing budget.

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What’s the best mortgage rate for me?Shop customized mortgage rates from Canada’s best lenders and brokers for free – all in one place.

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Am I ready to close on a property?Estimate your closing costs — the one-time, upfront expenses you’ll pay before receiving the keys.

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Read more about the Bank of Canada's latest rate announcement.

The BoC makes policy interest rate announcements eight times a year. Find out how its latest decision might impact Canada's housing market.

Big 6 mortgage rates

BMO Mortgage Rates
CIBC Mortgage Rates
National Bank Mortgage Rates
RBC Mortgage Rates
Scotiabank Mortgage Rates
TD Bank Mortgage Rates

Find help on your home-buying journey

People, Person, Adult
First-Time Home Buyer Grants and Assistance Programs
Clay JarvisClay Jarvis
Various grants and assistance programs in Canada can make it easier and more affordable to buy your first home.
Canada’s $10,000 Tax Credit for First-Time Home Buyers
Canada’s $10,000 Tax Credit for First-Time Home Buyers
Clay JarvisClay Jarvis
The First-Time Home Buyers’ Tax Credit, worth up to $1,500, can help offset a portion of your home ownership costs.
Floor, Flooring, Wood
How to Use a First Home Savings Account (FHSA)
Clay JarvisClay Jarvis
The FHSA is a registered account that can help first-time home buyers save a down payment more quickly.

Mortgage basics