Compare Ontario mortgage rates
Ask in plain words. See what lenders have published.
Lowest published rate, by search. Each mark is one product; the tall mark is the lowest.
Checked October 19, 2026- 5-year fixed132 productsOshawa Community Credit Union5 Year New-Money Closed Fixed Conventional Special · 5 years · First mortgage · LTV not stated4.09%5-year new-money conventional fixed specialChecked October 19, 2026
- 5-year variable68 productsnesto5 Year Insured Variable Mortgage · 5 years · First mortgage · LTV not stated3.41%5-year insured variableChecked October 15, 2026
- 3-year fixed105 productsBAY Credit Union3 Year Insured Closed Special · 3 years · First mortgage · LTV not stated3.99%3-year insured closed specialChecked October 19, 2026
- 1-year fixed110 productsPenFinancial Credit Union1 Year Fixed Special With Non-Renewal Fee · 1 year · First mortgage · LTV not stated3.49%1-year fixed specialChecked October 19, 2026
- Second mortgage83 productsDUCA Credit UnionFirst Rate Second Mortgage — 3 Year Fixed Closed · 3 years · Second · LTV not stated4.79%Checked October 19, 2026
- HELOC10 productsB2B BankHome Equity Line of Credit · Term not stated · First · LTV not stated4.95%Prime + 0.50%Checked September 29, 2026
- Alternative lending23 productsCMLS FinancialAVEO Traditional 3 Year ARM · 3 years · First · LTV not statedCMLS Prime + 0.39% (4.84%)Checked October 15, 2026
- Private mortgage86 productsThree Point CapitalHorizon — First Mortgage · 1 year · First · Up to 60% LTV5.35%Checked October 19, 2026
- Reverse mortgage8 productsBloom FinanceHome Equity Release Mortgage — 5 Year Fixed · 5 years · First · Up to 55% LTV6.33%Checked October 19, 2026
- Construction5 productsMainstreet Credit Union1 Year Construction Open · 1 year · First mortgage · LTV not stated6.95%1-year construction openChecked October 15, 2026
94 lenders and 1,149 published rates. Every rate is the lender's own published wording, linked to its source and dated. “Lowest” means the smallest displayed number for that search, not the best or most suitable mortgage. The marks plot rates that lenders publish as a number; a rate published only as a formula or an APR is counted but not plotted.
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