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The Best 4 Year Fixed Closed Mortgage Rates

Lock your mortgage in at the best rate for a 4 year term - compare all 4 year fixed closed mortgage rates in your region today.

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Compare Rates from 30+ Canadian Mortgage Brokers & Lenders

CIBC
Simplii Financial
RBC Royal Bank
Scotiabank
Tangerine
TD Canada Trust
BMO Bank of Montreal
True North

Ready to find your best mortgage rate in Canada?

To get started, tell us a bit about your location and borrowing needs - and we'll do the rest! Your personalized results will include the best rates from lenders and mortgage brokers, right in your region. Simply pick a product you like, and we'll put you in touch for more info by email, website or phone - no obligation or purchase required.

The Security and Stability of a Fixed Closed Rate

When you have a fixed closed mortgage, your mortgage rate and the conditions of your mortgage will not change. Most Canadians prefer a fixed closed mortgage because it is dependable and predictable. Those looking to capitalize on the market or explore other payment options should explore variable or open options.

A Unique Rate for Mortgage Breakers

Canadians tend to refinance their mortgages every 3.5 years, making a four-year rate a unique proposition for those who expect to break their mortgage, but don't want to pay a large penalty. To determine the cost of breaking your mortgage, use our penalty calculator.

More Lenders = More Rates


While most Canadians prefer the standard five year fixed closed mortgage rates, these four year rates are an example of the wide variety of mortgage options. That's why RateSupermarket.ca compares the entire market, drawing rates from banks, mortgage brokers, credit unions and specialty lenders to find you the best rate.

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Your Top Mortgage Questions Answered

Whether you’re a First Time Home Buyer or buying your second, third or fourth home, it pays to compare mortgage rates with Ratesupermarket.ca.

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