Mortgage Rates – 7 November 2025

Current Mortgage Rates:

“A” Lending Rates:

Fixed        3.84% (insured) | 3.94% (conventional) 
Variable   3.65% (insured) | 3.90% (conventional)

Rental      4.69% (fixed) | 4.45% (variable)  

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

“B” Lending Rates:

1 year      4.84% to 5.14%

2 years    4.64% to 4.94%

3 years    4.64% to 4.94%

20% down payment required