5-Year Fixed Mortgage Rates
Compare lowest published 5-year fixed mortgage rates by lender and term. This page is built for dynamic SEO updates whenever the rate database changes.
| Lender | Term | Program | Fixed | Variable | Payment example | Inquiry |
|---|---|---|---|---|---|---|
| Butler Mortgage Lowest Ontario 5-year fixed/variable in public comparison set | 5-Year | Insured | 4.04% | 3.30% | $2,640/mo | |
| nesto Digital mortgage lender | 5-Year | Insured | 4.09% | 3.40% | $2,654/mo | |
| Frank Mortgage Public broker rate | 3-Year | Insured | 4.04% | 3.50% | $2,640/mo | |
| Coast Capital Lowest BC 5-year fixed in public comparison set | 5-Year | Insured | 3.99% | 3.79% | $2,627/mo | |
| Everyrate Digital broker | 5-Year | Insured | 4.09% | 3.45% | $2,654/mo | |
| CIBC Big-6 bank comparison | 5-Year | Insured | 4.64% | 3.95% | $2,806/mo | |
| BMO Big-6 bank comparison | 5-Year | Insured | 4.74% | 4.10% | $2,834/mo | |
| TD Big-6 bank comparison | 5-Year | Insured | 4.84% | 4.19% | $2,862/mo | |
| RBC Big-6 bank comparison | 5-Year | Insured | 4.89% | 3.95% | $2,876/mo |
Rates are for comparison and SEO data publishing. Availability depends on lender criteria, mortgage amount, property type, credit, income, LTV, transaction type, province, and insurer eligibility.
How to use this page
Review the lowest published rate, compare lender names, then submit a rate inquiry. The goal is lead capture from rate shoppers looking for a better deal.
Mortgage payment calculator
Estimate payment and then compare current low rates.
Questions about 5-year fixed mortgage rates
What are 5-year fixed mortgage rates?
5-Year Fixed Mortgage Rates are published rate options for comparison. Final availability depends on lender and insurer criteria.
Can I submit an inquiry even if I may not qualify?
Yes. RateShop is designed to capture rate inquiries, but displayed rates are not a guarantee of approval.
What is the lowest mortgage rate in Canada today?
RateShop currently publishes comparison rates as low as 3.30% for selected insured 5-year variable examples and 3.99% for selected insured 5-year fixed examples, based on the latest public comparison dataset updated June 4, 2026.
Do I automatically qualify for the lowest rate?
No. Lowest published rates can depend on mortgage amount, province, property type, credit score, income, LTV, transaction type, insurer eligibility, and lender criteria.
How does RateShop make money?
RateShop captures rate inquiries and may share inquiries with mortgage lead buyers or partners, subject to consent and applicable rules.