Which lenders changed mortgage rates in October 2026
28 lenders changed 195 published rates in October 2026, as found at our checks through October 16, 2026: 142 went up and 44 went down. Big banks: RBC Royal Bank raised 32, CIBC raised 11, TD Canada Trust raised 4, BMO raised 2, National Bank of Canada raised 1.
The date beside each change is the check that found it, not necessarily the day the lender changed it. A change is a new figure on the lender's own page, or occasionally a correction to an earlier record. Checks this month: October 1, 2026, October 12, 2026, October 13, 2026, October 15, 2026, October 16, 2026.
RBC Royal Bank
32 changes: 29 up, 0 down
| Product | Was | Now | Change | Found |
|---|---|---|---|---|
| 1 Year Fixed Closed — Posted, 25 years or less | 5.64% | 5.74% | +0.10 pts | October 15, 2026 |
| 1 Year Fixed Closed — Posted, greater than 25 years | 5.64% | 5.74% | +0.10 pts | October 15, 2026 |
| 1 Year Fixed Closed — Special, 25 years or less | 5.04% | 5.14% | +0.10 pts | October 15, 2026 |
| 1 Year Fixed Closed — Special, greater than 25 years | 5.14% | 5.24% | +0.10 pts | October 15, 2026 |
| 10 Year Fixed Closed — Posted, greater than 25 years | 6.80% | 6.90% | +0.10 pts | October 15, 2026 |
| 2 Year Fixed Closed — Posted, 25 years or less | 5.54% | 5.74% | +0.20 pts | October 15, 2026 |
| 2 Year Fixed Closed — Posted, greater than 25 years | 5.54% | 5.74% | +0.20 pts | October 15, 2026 |
| 2 Year Fixed Closed — Special, 25 years or less | 4.94% | 5.14% | +0.20 pts | October 15, 2026 |
| 2 Year Fixed Closed — Special, greater than 25 years | 5.04% | 5.24% | +0.20 pts | October 15, 2026 |
| 3 Year Fixed Closed — Posted, 25 years or less | 6.05% | 6.25% | +0.20 pts | October 15, 2026 |
| 3 Year Fixed Closed — Posted, greater than 25 years | 6.05% | 6.25% | +0.20 pts | October 15, 2026 |
| 3 Year Fixed Closed — Special, 25 years or less | 4.79% | 4.99% | +0.20 pts | October 15, 2026 |
| 3 Year Fixed Closed — Special, greater than 25 years | 4.89% | 5.09% | +0.20 pts | October 15, 2026 |
| 4 Year Fixed Closed — Posted, 25 years or less | 5.99% | 6.09% | +0.10 pts | October 15, 2026 |
| 4 Year Fixed Closed — Posted, greater than 25 years | 5.99% | 6.09% | +0.10 pts | October 15, 2026 |
| 4 Year Fixed Closed — Special, 25 years or less | 4.94% | 5.04% | +0.10 pts | October 15, 2026 |
| 4 Year Fixed Closed — Special, greater than 25 years | 5.04% | 5.14% | +0.10 pts | October 15, 2026 |
| 5 Year Fixed Closed — High Ratio | 4.74% | 4.84% | +0.10 pts | October 15, 2026 |
| 5 Year Fixed Closed — Posted, 25 years or less | 6.09% | 6.19% | +0.10 pts | October 15, 2026 |
| 5 Year Fixed Closed — Posted, greater than 25 years | 6.09% | 6.19% | +0.10 pts | October 15, 2026 |
| 5 Year Fixed Closed — Special, 25 years or less | 5.04% | 5.14% | +0.10 pts | October 15, 2026 |
| 5 Year Fixed Closed — Special, greater than 25 years | 5.14% | 5.24% | +0.10 pts | October 15, 2026 |
| 5 Year Variable Closed — High Ratio | RBC Prime − 0.80% = 3.65% | RBC Prime − 0.600% (3.850%) | October 15, 2026 | |
| 5 Year Variable Closed — Special, 25 years or less | RBC Prime − 0.50% = 3.95% | RBC Prime − 0.300% (4.150%) | October 15, 2026 | |
| 5 Year Variable Closed — Special, greater than 25 years | RBC Prime − 0.40% = 4.05% | RBC Prime − 0.200% (4.250%) | October 15, 2026 | |
| 6 Month Fixed Convertible — Posted, 25 years or less | 5.64% | 5.74% | +0.10 pts | October 15, 2026 |
| 6 Month Fixed Convertible — Posted, greater than 25 years | 5.64% | 5.74% | +0.10 pts | October 15, 2026 |
| 7 Year Fixed Closed — Posted, 25 years or less | 6.40% | 6.50% | +0.10 pts | October 15, 2026 |
| 7 Year Fixed Closed — Posted, greater than 25 years | 6.40% | 6.50% | +0.10 pts | October 15, 2026 |
| 7 Year Fixed Closed — Special, 25 years or less | 5.15% | 5.25% | +0.10 pts | October 15, 2026 |
| 7 Year Fixed Closed — Special, greater than 25 years | 5.25% | 5.35% | +0.10 pts | October 15, 2026 |
| 10 Year Fixed Closed — Posted, 25 years or less | 6.80% | 6.90% | +0.10 pts | October 12, 2026 |
CIBC
11 changes: 11 up, 0 down
| Product | Was | Now | Change | Found |
|---|---|---|---|---|
| 1 Year Fixed Closed — Posted | 4.99% posted | 5.14% posted | +0.15 pts | October 16, 2026 |
| 1 Year Fixed Closed — Special | 4.94% special | 5.09% special | +0.15 pts | October 16, 2026 |
| 2 Year Fixed Closed — Special | 4.69% special | 4.84% special | +0.15 pts | October 16, 2026 |
| 3 Year Fixed Closed — Special | 4.94% special | 5.09% special | +0.15 pts | October 16, 2026 |
| 3 Year Variable Flex — Special | 4.05% special | 4.15% special | +0.10 pts | October 16, 2026 |
| 4 Year Fixed Closed — Special | 5.09% special | 5.24% special | +0.15 pts | October 16, 2026 |
| 5 Year Fixed Closed — High Ratio Special | 4.79% special | 4.99% special | +0.20 pts | October 16, 2026 |
| 5 Year Fixed Closed — Special | 5.14% special | 5.34% special | +0.20 pts | October 16, 2026 |
| 5 Year Variable Flex — High Ratio Special | 3.95% special | 4.05% special | +0.10 pts | October 16, 2026 |
| 5 Year Variable Flex — Special | 4.10% special | 4.20% special | +0.10 pts | October 16, 2026 |
| 7 Year Fixed Closed — Special | 5.31% special | 5.54% special | +0.23 pts | October 16, 2026 |
TD Canada Trust
4 changes: 3 up, 0 down
| Product | Was | Now | Change | Found |
|---|---|---|---|---|
| 3 Year Fixed Closed — Special | 5.14% special | 5.24% special | +0.10 pts | October 15, 2026 |
| 5 Year Fixed Closed — High Ratio Special | 5.34% special | 5.39% special | +0.05 pts | October 15, 2026 |
| 5 Year Fixed Closed — Special | 5.34% special | 5.39% special | +0.05 pts | October 15, 2026 |
| 5 Year Variable Closed — Special | TD Mortgage Prime − 0.36% = 4.24% | TD Mortgage Prime − 0.31% = 4.29% | October 15, 2026 |
BMO
2 changes: 2 up, 0 down
| Product | Was | Now | Change | Found |
|---|---|---|---|---|
| 3 Year Fixed Closed Special | 4.74% 3-year fixed closed special | 4.94% 3-year fixed closed special | +0.20 pts | October 16, 2026 |
| 5 Year Smart Fixed Default-Insured | 4.84% · 5-year Smart Fixed default-insured (APR 4.86%) | 4.99% · 5-year Smart Fixed default-insured (APR 5.01%) | +0.15 pts | October 16, 2026 |
National Bank of Canada
1 change: 1 up, 0 down
| Product | Was | Now | Change | Found |
|---|---|---|---|---|
| 7 Year Fixed Promotion | 5.26% interest · 5.29% APR | 5.34% interest · 5.37% APR | +0.08 pts | October 13, 2026 |
CMLS Financial
33 changes: 15 up, 14 down
| Product | Was | Now | Change | Found |
|---|---|---|---|---|
| AVEO Traditional 3 Year ARM | CMLS Prime + 0.29% (4.74%) | CMLS Prime + 0.39% (4.84%) | October 13, 2026 | |
| AVEO Traditional 3 Year ARM | CMLS Prime + 0.79% (5.24%) | CMLS Prime + 0.89% (5.34%) | October 13, 2026 | |
| AVEO Traditional 3 Year ARM | CMLS Prime + 1.04% (5.49%) | CMLS Prime + 1.14% (5.59%) | October 13, 2026 | |
| Smart Cash 5 Year Fixed — 1% Cashback | 5.34% | 5.29% | −0.05 pts | October 12, 2026 |
| Smart Cash 5 Year Fixed — 1% Cashback | 5.39% | 5.34% | −0.05 pts | October 12, 2026 |
| Smart Cash 5 Year Fixed — 2% Cashback | 5.59% | 5.54% | −0.05 pts | October 12, 2026 |
| Smart Cash 5 Year Fixed — 2% Cashback | 5.64% | 5.59% | −0.05 pts | October 12, 2026 |
| Smart Cash 5 Year Fixed — 3% Cashback | 5.79% | 5.74% | −0.05 pts | October 12, 2026 |
| Smart Cash 5 Year Fixed — 3% Cashback | 5.84% | 5.79% | −0.05 pts | October 12, 2026 |
| Smart Cash 5 Year Fixed — 5% Cashback | 6.34% | 6.29% | −0.05 pts | October 12, 2026 |
| Smart Cash 5 Year Fixed — 5% Cashback | 6.39% | 6.34% | −0.05 pts | October 12, 2026 |
| Standard 3 Year Fixed — Insured and Insurable | 4.84% | 4.79% | −0.05 pts | October 12, 2026 |
| Standard 3 Year Fixed — Insured and Insurable | 5.14% | 5.04% | −0.10 pts | October 12, 2026 |
| Standard 3 Year Fixed — Insured and Insurable | 4.84% | 4.79% | −0.05 pts | October 12, 2026 |
| Standard 5 Year Fixed — Insured and Insurable | 5.09% | 5.04% | −0.05 pts | October 12, 2026 |
| Standard 5 Year Fixed — Insured and Insurable | 5.14% | 5.09% | −0.05 pts | October 12, 2026 |
| Uninsured 3 Year Fixed — Owner Occupied | 5.49% | 5.29% | −0.20 pts | October 12, 2026 |
| AVEO Traditional 3 Year ARM | CMLS Prime + 0.44% (4.89%) | CMLS Prime + 0.54% (4.99%) | October 1, 2026 | |
| AVEO Traditional Fixed | 5.14% fixed | 5.29% fixed | +0.15 pts | October 1, 2026 |
| AVEO Traditional Fixed | 5.39% fixed | 5.54% fixed | +0.15 pts | October 1, 2026 |
| AVEO Traditional Fixed | 5.44% fixed | 5.59% fixed | +0.15 pts | October 1, 2026 |
| AVEO Traditional Fixed | 5.69% fixed | 5.84% fixed | +0.15 pts | October 1, 2026 |
| AVEO Traditional Fixed | 5.94% fixed | 6.09% fixed | +0.15 pts | October 1, 2026 |
| AVEO Traditional Fixed | 6.19% fixed | 6.34% fixed | +0.15 pts | October 1, 2026 |
| AVEO Traditional Fixed | 6.44% fixed | 6.59% fixed | +0.15 pts | October 1, 2026 |
| AVEO Traditional Fixed | 5.64% fixed | 5.79% fixed | +0.15 pts | October 1, 2026 |
| AVEO Traditional Fixed | 5.89% fixed | 6.04% fixed | +0.15 pts | October 1, 2026 |
| AVEO Traditional Fixed | 6.14% fixed | 6.29% fixed | +0.15 pts | October 1, 2026 |
| AVEO Traditional Fixed | 5.34% fixed | 5.49% fixed | +0.15 pts | October 1, 2026 |
| AVEO Traditional Fixed | 5.59% fixed | 5.74% fixed | +0.15 pts | October 1, 2026 |
| AVEO Traditional Fixed | 5.84% fixed | 5.99% fixed | +0.15 pts | October 1, 2026 |
| AVEO Traditional Fixed | 6.09% fixed | 6.24% fixed | +0.15 pts | October 1, 2026 |
| AVEO Traditional Fixed | 6.34% fixed | 6.49% fixed | +0.15 pts | October 1, 2026 |
EQRAZ
14 changes: 0 up, 14 down
| Product | Was | Now | Change | Found |
|---|---|---|---|---|
| 2 Year Fixed — Posted | 7.25% | 7.20% | −0.05 pts | October 15, 2026 |
| 3 Year Fixed — Posted | 7.35% | 7.25% | −0.10 pts | October 15, 2026 |
| 4 Year Fixed — Posted | 7.50% | 7.45% | −0.05 pts | October 15, 2026 |
| 5 Year Fixed — Posted | 7.60% | 7.55% | −0.05 pts | October 15, 2026 |
| 1 Year Fixed — Posted | 7.00% | 6.90% | −0.10 pts | October 12, 2026 |
| 2 Year Fixed — Posted | 7.35% | 7.25% | −0.10 pts | October 12, 2026 |
| 3 Year Fixed — Posted | 7.45% | 7.35% | −0.10 pts | October 12, 2026 |
| 4 Year Fixed — Posted | 7.60% | 7.50% | −0.10 pts | October 12, 2026 |
| 5 Year Fixed — Posted | 7.70% | 7.60% | −0.10 pts | October 12, 2026 |
| 1 Year Fixed — Posted | 9.03% | 7.00% | −2.03 pts | October 1, 2026 |
| 2 Year Fixed — Posted | 9.39% | 7.35% | −2.04 pts | October 1, 2026 |
| 3 Year Fixed — Posted | 9.47% | 7.45% | −2.02 pts | October 1, 2026 |
| 4 Year Fixed — Posted | 9.60% | 7.60% | −2.00 pts | October 1, 2026 |
| 5 Year Fixed — Posted | 9.70% | 7.70% | −2.00 pts | October 1, 2026 |
First National Financial LP
10 changes: 10 up, 0 down
| Product | Was | Now | Change | Found |
|---|---|---|---|---|
| Excalibur Mortgage | 5.24% | 5.39% | +0.15 pts | October 12, 2026 |
| Excalibur Mortgage | 5.49% | 5.64% | +0.15 pts | October 12, 2026 |
| Excalibur Mortgage | 5.74% | 5.89% | +0.15 pts | October 12, 2026 |
| Excalibur Mortgage | 5.99% | 6.14% | +0.15 pts | October 12, 2026 |
| Excalibur Mortgage | 6.14% | 6.29% | +0.15 pts | October 12, 2026 |
| Excalibur Mortgage | 5.34% | 5.49% | +0.15 pts | October 12, 2026 |
| Excalibur Mortgage | 5.59% | 5.74% | +0.15 pts | October 12, 2026 |
| Excalibur Mortgage | 5.84% | 5.99% | +0.15 pts | October 12, 2026 |
| Excalibur Mortgage | 6.09% | 6.24% | +0.15 pts | October 12, 2026 |
| Excalibur Mortgage | 6.34% | 6.49% | +0.15 pts | October 12, 2026 |
FirstOntario Credit Union
8 changes: 7 up, 1 down
| Product | Was | Now | Change | Found |
|---|---|---|---|---|
| 2 Year Closed Fixed | 4.94% APR · 2-year closed | 4.84% APR · 2-year closed | −0.10 pts | October 15, 2026 |
| 1 Year Closed Fixed | 5.39% APR · 1-year closed | 5.49% APR · 1-year closed | +0.10 pts | October 13, 2026 |
| 10 Year Closed Fixed | 6.04% APR · 10-year closed | 6.14% APR · 10-year closed | +0.10 pts | October 13, 2026 |
| 2 Year Closed Fixed | 4.84% APR · 2-year closed | 4.94% APR · 2-year closed | +0.10 pts | October 13, 2026 |
| 3 Year Closed Fixed | 4.84% APR · 3-year closed | 4.94% APR · 3-year closed | +0.10 pts | October 13, 2026 |
| 4 Year Closed Fixed | 4.89% APR · 4-year closed | 4.99% APR · 4-year closed | +0.10 pts | October 13, 2026 |
| 7 Year Closed Fixed | 5.84% APR · 7-year closed | 5.94% APR · 7-year closed | +0.10 pts | October 13, 2026 |
| 5 Year Fixed Closed Mortgage | 4.94% 5-year fixed closed | 5.04% 5-year fixed closed | +0.10 pts | October 12, 2026 |
Shinhan Bank Canada
7 changes: 6 up, 0 down
| Product | Was | Now | Change | Found |
|---|---|---|---|---|
| 1 Year Closed Fixed — Special | 4.89% | 5.14% | +0.25 pts | October 12, 2026 |
| 2 Year Closed Fixed — Posted | 4.89% | 5.14% | +0.25 pts | October 12, 2026 |
| 2 Year Closed Fixed — Special | 4.39% | 4.49% | +0.10 pts | October 12, 2026 |
| 3 Year Closed Fixed — Special | 4.24% | 4.54% | +0.30 pts | October 12, 2026 |
| 4 Year Closed Fixed — Special | 4.44% | 4.64% | +0.20 pts | October 12, 2026 |
| 5 Year Closed Fixed — Special | 4.39% | 4.69% | +0.30 pts | October 12, 2026 |
| 5 Year Closed Variable — Special | Prime − 0.60% | Prime − 0.55% | October 12, 2026 |
The Police Credit Union
7 changes: 7 up, 0 down
| Product | Was | Now | Change | Found |
|---|---|---|---|---|
| 1 Year Closed Conventional Fixed | 5.24% interest · 5.342% APR | 5.34% interest · 5.442% APR | +0.10 pts | October 13, 2026 |
| 2 Year Closed Conventional Fixed | 4.84% interest · 4.940% APR | 4.94% interest · 5.040% APR | +0.10 pts | October 13, 2026 |
| 3 Year Closed Conventional Fixed | 4.39% interest · 4.488% APR | 4.49% interest · 4.588% APR | +0.10 pts | October 13, 2026 |
| 3 Year Closed Fixed High-Ratio Special | 4.19% interest · 4.271% APR | 4.29% interest · 4.371% APR | +0.10 pts | October 13, 2026 |
| 4 Year Closed Conventional Fixed | 4.54% interest · 4.639% APR | 4.64% interest · 4.739% APR | +0.10 pts | October 13, 2026 |
| 5 Year Closed Conventional Fixed | 4.39% interest · 4.472% APR | 4.49% interest · 4.572% APR | +0.10 pts | October 13, 2026 |
| 5 Year High-Ratio Fixed Mortgage | 4.19% 5-year high-ratio fixed | 4.29% 5-year high-ratio fixed | +0.10 pts | October 12, 2026 |
Equitable Bank
6 changes: 6 up, 0 down
| Product | Was | Now | Change | Found |
|---|---|---|---|---|
| 1 Year Standard Mortgage Closed | 5.14% interest · 6.642% APR | 5.29% interest · 6.789% APR | +0.15 pts | October 12, 2026 |
| 2 Year Standard Mortgage Closed | 5.24% interest · 6.130% APR | 5.39% interest · 6.276% APR | +0.15 pts | October 12, 2026 |
| 3 Year Standard Mortgage Closed | 5.34% interest · 6.026% APR | 5.49% interest · 6.172% APR | +0.15 pts | October 12, 2026 |
| 4 Year Standard Mortgage Closed | 6.29% interest · 6.537% APR | 6.44% interest · 6.683% APR | +0.15 pts | October 12, 2026 |
| 5 Year Standard Adjustable Mortgage | 4.59% interest · 5.182% APR · Equitable Prime + 0.14% | 4.79% interest · 5.381% APR · Equitable Prime + 0.34% | +0.20 pts | October 12, 2026 |
| 5 Year Standard Mortgage Closed | 5.24% interest · 5.771% APR | 5.59% interest · 6.112% APR | +0.35 pts | October 12, 2026 |
Motor City Community Credit Union
6 changes: 5 up, 1 down
| Product | Was | Now | Change | Found |
|---|---|---|---|---|
| 1 Year Fixed Mortgage | 5.39% 1-year fixed | 4.99% 1-year fixed | −0.40 pts | October 12, 2026 |
| 2 Year Fixed Mortgage | 5.09% 2-year fixed | 5.19% 2-year fixed | +0.10 pts | October 12, 2026 |
| 3 Year Fixed Mortgage | 4.64% 3-year fixed | 4.79% 3-year fixed | +0.15 pts | October 12, 2026 |
| 4 Year Fixed Mortgage | 5.19% 4-year fixed | 5.99% 4-year fixed | +0.80 pts | October 12, 2026 |
| 5 Year Fixed Mortgage | 4.69% 5-year fixed | 4.89% 5-year fixed | +0.20 pts | October 12, 2026 |
| 5 Year High-Ratio Mortgage | 4.24% 5-year high-ratio | 4.49% 5-year high-ratio | +0.25 pts | October 12, 2026 |
Alterna Bank
5 changes: 5 up, 0 down
| Product | Was | Now | Change | Found |
|---|---|---|---|---|
| 3 Year Signature Fixed Closed | 4.69% interest · 4.75% APR | 4.94% interest · 5.00% APR | +0.25 pts | October 13, 2026 |
| 3 Year Smart Start High-Ratio Fixed Closed | 4.29% interest · 4.35% APR | 4.59% interest · 4.65% APR | +0.30 pts | October 13, 2026 |
| 4 Year Signature Fixed Closed | 4.99% interest · 5.04% APR | 5.04% interest · 5.09% APR | +0.05 pts | October 13, 2026 |
| 5 Year Smart Start High-Ratio Fixed Closed | 4.44% interest · 4.48% APR | 4.69% interest · 4.73% APR | +0.25 pts | October 13, 2026 |
| 5 Year Signature Fixed Closed | 4.74% 5-year Signature fixed closed | 5.04% 5-year Signature fixed closed | +0.30 pts | October 12, 2026 |
Alterna Savings
5 changes: 5 up, 0 down
| Product | Was | Now | Change | Found |
|---|---|---|---|---|
| 3 Year Signature Fixed Closed | 4.69% interest · 4.75% APR | 4.94% interest · 5.00% APR | +0.25 pts | October 13, 2026 |
| 4 Year Signature Fixed Closed | 4.99% interest · 5.04% APR | 5.04% interest · 5.09% APR | +0.05 pts | October 13, 2026 |
| 5 Year Signature Fixed Closed | 4.74% interest · 4.78% APR | 5.04% interest · 5.08% APR | +0.30 pts | October 13, 2026 |
| 5 Year Smart Start High-Ratio Fixed Closed | 4.44% interest · 4.48% APR | 4.69% interest · 4.73% APR | +0.25 pts | October 13, 2026 |
| 3 Year Fixed Closed High-Ratio | 4.29% 3-year fixed closed high-ratio | 4.59% 3-year fixed closed high-ratio | +0.30 pts | October 12, 2026 |
IC Savings
5 changes: 5 up, 0 down
| Product | Was | Now | Change | Found |
|---|---|---|---|---|
| 1 Year Fixed Closed Mortgage | 4.74% interest · 5.44% APR | 4.94% interest · 5.64% APR | +0.20 pts | October 13, 2026 |
| 2 Year Fixed Closed Mortgage | 4.49% interest · 4.81% APR | 4.69% interest · 5.00% APR | +0.20 pts | October 13, 2026 |
| 3 Year Fixed Closed Mortgage | 4.74% interest · 4.92% APR | 4.94% interest · 5.12% APR | +0.20 pts | October 13, 2026 |
| 4 Year Fixed Closed Mortgage | 4.89% interest · 5.00% APR | 5.09% interest · 5.20% APR | +0.20 pts | October 13, 2026 |
| 5 Year Fixed Closed Mortgage | 4.94% interest · 5.01% APR | 5.14% interest · 5.21% APR | +0.20 pts | October 13, 2026 |
Kingston Community Credit Union
5 changes: 5 up, 0 down
| Product | Was | Now | Change | Found |
|---|---|---|---|---|
| 1 Year Discount Closed First Mortgage | 4.95% 1-year discount closed OAC | 5.00% 1-year discount closed OAC | +0.05 pts | October 12, 2026 |
| 2 Year Discount Closed First Mortgage | 4.50% 2-year discount closed OAC | 4.59% 2-year discount closed OAC | +0.09 pts | October 12, 2026 |
| 3 Year Discount Closed First Mortgage | 4.55% 3-year discount closed OAC | 4.64% 3-year discount closed OAC | +0.09 pts | October 12, 2026 |
| 4 Year Discount Closed First Mortgage | 4.65% 4-year discount closed OAC | 4.70% 4-year discount closed OAC | +0.05 pts | October 12, 2026 |
| 5 Year Discount Closed First Mortgage | 4.75% 5-year discount closed OAC | 4.80% 5-year discount closed OAC | +0.05 pts | October 12, 2026 |
Tandia Financial
5 changes: 5 up, 0 down
| Product | Was | Now | Change | Found |
|---|---|---|---|---|
| 3 Year Closed Fixed High-Ratio Mortgage | 4.29% 3-year closed fixed high-ratio special | 4.59% 3-year closed fixed high-ratio special | +0.30 pts | October 12, 2026 |
| 3 Year Standard Closed | 4.69% 3-year standard closed | 4.94% 3-year standard closed | +0.25 pts | October 12, 2026 |
| 4 Year Standard Closed | 4.99% 4-year standard closed | 5.04% 4-year standard closed | +0.05 pts | October 12, 2026 |
| 5 Year Standard Closed | 4.74% 5-year standard closed | 5.04% 5-year standard closed | +0.30 pts | October 12, 2026 |
| 5-Year High Ratio Mortgage Special | 4.14% interest · 4.18% APR | 4.69% interest · 4.73% APR | +0.55 pts | October 1, 2026 |
Thorold Community Credit Union
5 changes: 2 up, 3 down
| Product | Was | Now | Change | Found |
|---|---|---|---|---|
| 1 Year Closed Posted Mortgage | 5.80% 1-year closed posted rate | 5.49% 1-year closed posted rate | −0.31 pts | October 12, 2026 |
| 2 Year Closed Posted Mortgage | 5.30% 2-year closed posted rate | 5.29% 2-year closed posted rate | −0.01 pts | October 12, 2026 |
| 3 Year Closed Posted Mortgage | 4.95% 3-year closed posted rate | 4.54% 3-year closed posted rate | −0.41 pts | October 12, 2026 |
| 4 Year Closed Posted Mortgage | 5.00% 4-year closed posted rate | 5.09% 4-year closed posted rate | +0.09 pts | October 12, 2026 |
| 5 Year Closed Posted Mortgage | 4.50% 5-year closed posted rate | 4.89% 5-year closed posted rate | +0.39 pts | October 12, 2026 |
Your Credit Union
5 changes: 5 up, 0 down
| Product | Was | Now | Change | Found |
|---|---|---|---|---|
| 4 Year First Mortgage | 4.84% 4-year first mortgage | 5.04% 4-year first mortgage | +0.20 pts | October 12, 2026 |
| 5 Year 30-Year-Amortization Conventional First Mortgage | 4.94% 5-year conventional · 30-year amortization | 5.14% 5-year conventional · 30-year amortization | +0.20 pts | October 12, 2026 |
| 5 Year 30-Year-Amortization High-Ratio First Mortgage | 4.54% 5-year high-ratio · 30-year amortization | 4.74% 5-year high-ratio · 30-year amortization | +0.20 pts | October 12, 2026 |
| 5 Year First Mortgage | 4.84% 5-year first mortgage | 5.04% 5-year first mortgage | +0.20 pts | October 12, 2026 |
| 5 Year High-Ratio First Mortgage | 4.54% 5-year high-ratio first mortgage | 4.74% 5-year high-ratio first mortgage | +0.20 pts | October 12, 2026 |
Golden Horseshoe Credit Union
4 changes: 0 up, 4 down
| Product | Was | Now | Change | Found |
|---|---|---|---|---|
| 2 Year Closed First Mortgage | 5.49% 2-year closed first mortgage | 4.99% 2-year closed first mortgage | −0.50 pts | October 15, 2026 |
| 2 Year Closed Second Mortgage | 6.49% 2-year closed second mortgage | 5.99% 2-year closed second mortgage | −0.50 pts | October 15, 2026 |
| 3 Year Closed First Mortgage | 4.35% 3-year closed first mortgage | 4.25% 3-year closed first mortgage | −0.10 pts | October 15, 2026 |
| 5 Year Closed Second Mortgage | 5.59% 5-year closed second mortgage | 5.49% 5-year closed second mortgage | −0.10 pts | October 15, 2026 |
IG Wealth Management
4 changes: 3 up, 1 down
| Product | Was | Now | Change | Found |
|---|---|---|---|---|
| 24 Month Closed — Posted | 5.14% | 5.54% | +0.40 pts | October 12, 2026 |
| Promotional 3 Year Fixed Range | 4.69%–5.09% | 4.79% - 5.24% | +0.10 pts | October 12, 2026 |
| Promotional 5 Year Fixed Range | 4.79%–5.14% | 4.89% - 5.29% | +0.10 pts | October 12, 2026 |
| Promotional 5 Year Variable Range | 3.75%–4.14% | 3.70% - 4.14% | −0.05 pts | October 12, 2026 |
Strive Capital
4 changes: 1 up, 3 down
| Product | Was | Now | Change | Found |
|---|---|---|---|---|
| 3 Year Fixed | 4.84% | 4.79% | −0.05 pts | October 12, 2026 |
| 3 Year Fixed | 5.14% | 5.04% | −0.10 pts | October 12, 2026 |
| 3 Year Fixed | 5.14% | 5.04% | −0.10 pts | October 12, 2026 |
| 5 Year Fixed | 5.20% | 5.39% | +0.19 pts | October 12, 2026 |
Antrim Investments
2 changes: 0 up, 2 down
| Product | Was | Now | Change | Found |
|---|---|---|---|---|
| Residential First Mortgage — Open | 7.49% | 6.95% | −0.54 pts | October 12, 2026 |
| Residential First Mortgage — Open | 7.95% | 6.95% | −1.00 pts | October 12, 2026 |
Community Trust
2 changes: 2 up, 0 down
| Product | Was | Now | Change | Found |
|---|---|---|---|---|
| Posted Closed Mortgage Rates | 4.99% | 5.14% | +0.15 pts | October 12, 2026 |
| Posted Closed Mortgage Rates | 4.89% | 5.04% | +0.15 pts | October 12, 2026 |
Innovation Federal Credit Union
1 change: 1 up, 0 down
| Product | Was | Now | Change | Found |
|---|---|---|---|---|
| 3 Year Closed Fixed Special | 4.590% interest · 4.634% APR | 4.690% interest · 4.730% APR | +0.10 pts | October 13, 2026 |
Meridian Credit Union
1 change: 1 up, 0 down
| Product | Was | Now | Change | Found |
|---|---|---|---|---|
| 5 Year Closed High Ratio — Special Offer | 4.49% | 4.59% | +0.10 pts | October 12, 2026 |
nesto
1 change: 0 up, 1 down
| Product | Was | Now | Change | Found |
|---|---|---|---|---|
| 5 Year Insured Variable Mortgage | 3.45% 5-year insured variable | 3.41% 5-year insured variable | −0.04 pts | October 12, 2026 |
See the monthly rate reports for the full picture, or compare today's published rates.