Best Canada Mortgage Rates

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Purchase Price

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Mortgage Value The amount you want to borrow or the dollar ($$) value of your mortgage. If you're buying a home this will be your property value less your down payment.

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Mortgage Type With a fixed mortgage rate your rate is locked in and guaranteed to stay the same over the term of your mortgage, while with a variable mortgage rate your rate changes with prime.

Down Payment The difference between the property’s purchase price and the amount financed through a mortgage.

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Mortgage Term The mortgage term is the length of time you’d like to secure this specific rate. The most popular mortgage term is 5 years.

Amortization The amount of time it will take you to pay off your mortgage in full.

Payment Type How frequently you want to make your mortgage payments. Tip: Switching to bi-weekly accelerated payments can save you thousands in the long run.

Rate Type Chances are a closed mortgage rate will likely suit your needs – unless you’re planning on paying off your entire mortgage before the end of your term.

An open mortgage rate offers you the option to break your mortgage early – but at the cost of a higher rate. If you think you’ll need to break your mortgage early, or anticipating a high influx of cash to pay off your mortgage (lottery winnings included), an open mortgage rate will save you from paying hefty fees.

Rate Hold The length of time that a lender will guarantee a rate once you get a pre-approval. If you’re shopping for a home, with a rate hold you don’t need to rush your new home purchase just because you’re afraid rates are going up.

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