Mortgage Rates – 5 December 2025

Current Mortgage Rates:

“A” Lending Rates:

Fixed        3.79% (insured) | 3.89% (conventional) 
Variable   3.60% (insured) | 3.85% (conventional)

Rental      4.64% (fixed) | 4.30% (variable)  

                       
Prime Rate  4.45%
Next Bank of Canada rate announcement: Dec 10, 2025

“B” Lending Rates:

1 year      4.69% to 4.99%

2 years    4.74% to 5.04%

3 years    4.79% to 5.09%