Bank or trust lender

BMO mortgage rates

Checked against BMO's own rate page on October 16, 2026: 3 products, lowest fixed offer 4.94% (3 Year Fixed Closed Special).

BMO publishes a lender-hosted mortgage pricing page with the rate, term and qualification context used for this public listing.

Visit the official lender website

Distinct products: 3
Published pricing rows: 3
Published regions: Canada
Last checked: October 16, 2026

Qualification and structure signals present in the public records

Categories: Variable, Fixed
Positions: First mortgage
Term range: 3–5 years
LTV and fee coverage: LTV not stated · fees shown on 3 of 3 rows

These are published fields, not an underwriting model. Credit, income, property, location and transaction details can still change eligibility or pricing.

Published pricing

Mortgage products from BMO

Lender profile reviewed September 1, 2026

Variable

5 Year Variable Closed Special

Published rate

4.10% · BMO Prime − 0.35% (APR 4.12%)

Term / position: 5 years · First mortgage
Checked: October 16, 2026

Fixed

3 Year Fixed Closed Special

Published rate

4.94% 3-year fixed closed special

Term / position: 3 years · First mortgage
Checked: October 16, 2026

Fixed

5 Year Smart Fixed Default-Insured

Published rate

4.99% · 5-year Smart Fixed default-insured (APR 5.01%)

Term / position: 5 years · First mortgage
Checked: October 16, 2026

Record history

Each line is a check at which the figure recorded here changed: the lender moved its rate, or an earlier record was corrected. History starts with the first full source check on September 29, 2026.

October 16, 20263 Year Fixed Closed Special4.74% 3-year fixed closed special changed to 4.94% 3-year fixed closed special
October 16, 20265 Year Smart Fixed Default-Insured4.84% · 5-year Smart Fixed default-insured (APR 4.86%) changed to 4.99% · 5-year Smart Fixed default-insured (APR 5.01%)
September 30, 20263 Year Fixed Closed Special4.64% 3-year fixed closed special changed to 4.74% 3-year fixed closed special
September 30, 20265 Year Smart Fixed Default-Insured4.76% APR · 5-year Smart Fixed default-insured changed to 4.84% · 5-year Smart Fixed default-insured (APR 4.86%)
September 30, 20265 Year Variable Closed Special4.12% APR · BMO Prime − 0.35% changed to 4.10% · BMO Prime − 0.35% (APR 4.12%)

Source and methodology

Official lender-hosted public mortgage pricing page. Product cards group public rows by lender and product name. The smallest displayed rate is a navigation label only; open the product record to match the relevant credit, property, LTV, term and fee row.