Bank

RBC Royal Bank mortgage rates

Checked against RBC Royal Bank's own rate page on October 19, 2026: 42 products, lowest fixed offer 4.84% (5 Year Fixed Closed — High Ratio).

RBC publishes high-ratio, special and posted fixed and variable mortgage pricing by term and amortization band, including APR assumptions and Prime-rate formulas.

Visit the official lender website

Distinct products: 42
Published pricing rows: 42
Published regions: Ontario
Last checked: October 19, 2026

Qualification and structure signals present in the public records

Categories: Variable, Fixed
Positions: First
Term range: 6–300 months
LTV and fee coverage: Up to 95% LTV · fees shown on 42 of 42 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 RBC Royal Bank

Lender profile reviewed August 31, 2026

Variable

5 Year Variable Closed — High Ratio

Published rate

RBC Prime − 0.600% (3.850%)

Term / position: 5 years · First
Checked: October 19, 2026

Variable

5 Year Variable Closed — Special, 25 years or less

Published rate

RBC Prime − 0.300% (4.150%)

Term / position: 5 years · First
Checked: October 19, 2026

Variable

5 Year Variable Closed — Special, greater than 25 years

Published rate

RBC Prime − 0.200% (4.250%)

Term / position: 5 years · First
Checked: October 19, 2026

Variable

5 Year Variable Closed — Posted, 25 years or less

Published rate

RBC Prime + 0.00% = 4.45%

Term / position: 5 years · First
Checked: October 19, 2026

Variable

5 Year Variable Closed — Posted, greater than 25 years

Published rate

RBC Prime + 0.00% = 4.45%

Term / position: 5 years · First
Checked: October 19, 2026

Fixed

5 Year Fixed Closed — High Ratio

Published rate

4.84%

Term / position: 5 years · First
Checked: October 19, 2026

Fixed

3 Year Fixed Closed — Special, 25 years or less

Published rate

4.99%

Term / position: 3 years · First
Checked: October 19, 2026

Fixed

4 Year Fixed Closed — Special, 25 years or less

Published rate

5.04%

Term / position: 4 years · First
Checked: October 19, 2026

Fixed

3 Year Fixed Closed — Special, greater than 25 years

Published rate

5.09%

Term / position: 3 years · First
Checked: October 19, 2026

Fixed

1 Year Fixed Closed — Special, 25 years or less

Published rate

5.14%

Term / position: 1 year · First
Checked: October 19, 2026

Fixed

2 Year Fixed Closed — Special, 25 years or less

Published rate

5.14%

Term / position: 2 years · First
Checked: October 19, 2026

Fixed

4 Year Fixed Closed — Special, greater than 25 years

Published rate

5.14%

Term / position: 4 years · First
Checked: October 19, 2026

Fixed

5 Year Fixed Closed — Special, 25 years or less

Published rate

5.14%

Term / position: 5 years · First
Checked: October 19, 2026

Fixed

1 Year Fixed Closed — Special, greater than 25 years

Published rate

5.24%

Term / position: 1 year · First
Checked: October 19, 2026

Fixed

2 Year Fixed Closed — Special, greater than 25 years

Published rate

5.24%

Term / position: 2 years · First
Checked: October 19, 2026

Fixed

5 Year Fixed Closed — Special, greater than 25 years

Published rate

5.24%

Term / position: 5 years · First
Checked: October 19, 2026

Fixed

7 Year Fixed Closed — Special, 25 years or less

Published rate

5.25%

Term / position: 7 years · First
Checked: October 19, 2026

Fixed

7 Year Fixed Closed — Special, greater than 25 years

Published rate

5.35%

Term / position: 7 years · First
Checked: October 19, 2026

Fixed

1 Year Fixed Closed — Posted, 25 years or less

Published rate

5.74%

Term / position: 1 year · First
Checked: October 19, 2026

Fixed

1 Year Fixed Closed — Posted, greater than 25 years

Published rate

5.74%

Term / position: 1 year · First
Checked: October 19, 2026

Fixed

2 Year Fixed Closed — Posted, 25 years or less

Published rate

5.74%

Term / position: 2 years · First
Checked: October 19, 2026

Fixed

2 Year Fixed Closed — Posted, greater than 25 years

Published rate

5.74%

Term / position: 2 years · First
Checked: October 19, 2026

Fixed

6 Month Fixed Convertible — Posted, 25 years or less

Published rate

5.74%

Term / position: 6 months · First
Checked: October 19, 2026

Fixed

6 Month Fixed Convertible — Posted, greater than 25 years

Published rate

5.74%

Term / position: 6 months · First
Checked: October 19, 2026

Fixed

4 Year Fixed Closed — Posted, 25 years or less

Published rate

6.09%

Term / position: 4 years · First
Checked: October 19, 2026

Fixed

4 Year Fixed Closed — Posted, greater than 25 years

Published rate

6.09%

Term / position: 4 years · First
Checked: October 19, 2026

Fixed

5 Year Fixed Closed — Posted, 25 years or less

Published rate

6.19%

Term / position: 5 years · First
Checked: October 19, 2026

Fixed

5 Year Fixed Closed — Posted, greater than 25 years

Published rate

6.19%

Term / position: 5 years · First
Checked: October 19, 2026

Fixed

3 Year Fixed Closed — Posted, 25 years or less

Published rate

6.25%

Term / position: 3 years · First
Checked: October 19, 2026

Fixed

3 Year Fixed Closed — Posted, greater than 25 years

Published rate

6.25%

Term / position: 3 years · First
Checked: October 19, 2026

Fixed

7 Year Fixed Closed — Posted, 25 years or less

Published rate

6.50%

Term / position: 7 years · First
Checked: October 19, 2026

Fixed

7 Year Fixed Closed — Posted, greater than 25 years

Published rate

6.50%

Term / position: 7 years · First
Checked: October 19, 2026

Fixed

10 Year Fixed Closed — Posted, 25 years or less

Published rate

6.90%

Term / position: 10 years · First
Checked: October 19, 2026

Fixed

10 Year Fixed Closed — Posted, greater than 25 years

Published rate

6.90%

Term / position: 10 years · First
Checked: October 19, 2026

Variable

5 Year Variable Open — Posted, 25 years or less

Published rate

RBC Prime + 3.30% = 7.75%

Term / position: 5 years · First
Checked: October 19, 2026

Variable

5 Year Variable Open — Posted, greater than 25 years

Published rate

RBC Prime + 3.30% = 7.75%

Term / position: 5 years · First
Checked: October 19, 2026

Fixed

1 Year Fixed Open — Posted, 25 years or less

Published rate

9.95%

Term / position: 1 year · First
Checked: October 19, 2026

Fixed

1 Year Fixed Open — Posted, greater than 25 years

Published rate

9.95%

Term / position: 1 year · First
Checked: October 19, 2026

Fixed

6 Month Fixed Open — Posted, 25 years or less

Published rate

9.95%

Term / position: 6 months · First
Checked: October 19, 2026

Fixed

6 Month Fixed Open — Posted, greater than 25 years

Published rate

9.95%

Term / position: 6 months · First
Checked: October 19, 2026

Fixed

25 Year Fixed Closed — Posted, 25 years or less

Published rate

12.00%

Term / position: 25 years · First
Checked: October 19, 2026

Fixed

25 Year Fixed Closed — Posted, greater than 25 years

Published rate

12.00%

Term / position: 25 years · First
Checked: October 19, 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 15, 20261 Year Fixed Closed — Posted, 25 years or less5.64% changed to 5.74%
October 15, 20261 Year Fixed Closed — Posted, greater than 25 years5.64% changed to 5.74%
October 15, 20261 Year Fixed Closed — Special, 25 years or less5.04% changed to 5.14%
October 15, 20261 Year Fixed Closed — Special, greater than 25 years5.14% changed to 5.24%
October 15, 202610 Year Fixed Closed — Posted, greater than 25 years6.80% changed to 6.90%
October 15, 20262 Year Fixed Closed — Posted, 25 years or less5.54% changed to 5.74%
October 15, 20262 Year Fixed Closed — Posted, greater than 25 years5.54% changed to 5.74%
October 15, 20262 Year Fixed Closed — Special, 25 years or less4.94% changed to 5.14%
October 15, 20262 Year Fixed Closed — Special, greater than 25 years5.04% changed to 5.24%
October 15, 20263 Year Fixed Closed — Posted, 25 years or less6.05% changed to 6.25%
October 15, 20263 Year Fixed Closed — Posted, greater than 25 years6.05% changed to 6.25%
October 15, 20263 Year Fixed Closed — Special, 25 years or less4.79% changed to 4.99%

The 12 most recent of 51 recorded changes.

Source and methodology

Official bank-hosted mortgage rate tables. 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.