Mortgage Rates – 19 December 2025

Current Mortgage Rates:

“A” Lending Rates:

Fixed        3.89% (insured) | 3.99% (conventional) 
Variable   3.60% (insured) | 3.85% (conventional)

Rental      4.74% (fixed) | 4.45% (variable)  

                       
Prime Rate  4.45%
Next Bank of Canada rate announcement: Jan 28, 2026

“B” Lending Rates:

1 year      4.84% to 5.14%

2 years    4.89% to 5.19%

3 years    4.89% to 5.19%