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Canadian Rates

Compare our mortgage rates with other banks and lenders with CanEquity's Canadian Mortgage Rate Comparison chart. Below you will also find the lastest Bank of Canada rates, including rates for business prime, bonds and currancy exchange rates. All of our Canadian rates are updated daily.

Mortgage Rate Comparison

Note: These rates are provided as a convenience and many are provided by third parties, therefore we cannot guarantee their accuracy.
Financial Institution
Mortgage Term
Variable 6 Mth 1 Year 2 Year 3 Year 4 Year 5 Year
CanEquity Mortgage 1.95*/1.95 3.75 2.30 2.95 3.40 3.89 3.69
AGF Trust - 4.65 2.75 2.85 3.25 3.89 3.79
ATB Financial 2.25 4.65 3.40 3.75 4.15 5.04 4.09
Alterna Bank - 4.40 3.35 3.65 3.69 4.04 4.04
Alterna Savings - 4.40 3.35 3.65 3.69 4.04 4.04
Bank of Montreal (BMO) 2.25 4.65 4.00 3.75 4.15 5.04 5.39
Bank of Nova Scotia
 2.25 4.65 4.35 3.95 4.30 5.04 5.39
Bridgewater Bank 5.75 - 5.99 5.75 3.53 - 4.02
CIBC Mortgages 2.25 4.65 3.60 3.75 4.15 5.04 5.39
Caisses Desjardins - 3.50 3.50 3.75 4.15 5.04 5.39
Canadian Western Bank 2.25 4.65 3.60 3.75 4.15 5.04 5.39
Canadian Western Trust 2.25 4.65 3.60 3.75 4.15 5.04 5.39
Citibank - 4.65 3.60 3.75 4.15 5.04 5.39
Comtech Credit Union - 6.60 2.65 3.99 3.99 3.99 3.99
Concentra Financial - 4.65 3.60 3.75 4.15 5.04 5.39
DUCA Financial Services 2.15 4.40 2.99 3.50 3.60 3.90 3.99
Effort Trust - 3.35 3.35 3.70 4.10 5.00 5.35
Equitable Trust - - 3.40 3.75 4.15 5.04 5.39
First Calgary Savings - 4.65 3.60 3.75 2.99 3.59 3.99
First National Financial LP 2.05 4.60 2.65 2.95 3.50 3.99 3.99
FirstLine Mortgages 2.15 4.75 2.80 3.25 3.75 4.14 4.19
FirstOntario Credit Union 2.25 4.35 2.79 3.59 3.79 4.05 4.15
HSBC Bank Canada 2.25 4.65 4.35 3.95 4.50 5.14 5.49
Home Trust Company - - 2.65 - 3.50 - 3.99
ICICI Bank Canada 3.50 - 4.00 4.25 4.50 4.85 5.85
ING Direct 2.05 - 2.65 3.15 3.49 3.99 3.99
Investors Group Trust 3.25 4.65 3.60 3.75 4.15 5.04 5.39
Key Savings & CU - 4.65 3.40 3.65 2.99 4.74 3.99
Laurentian Bank Canada 2.25 3.85 3.60 3.75 4.15 5.04 5.38
League Savings & Mortgage - 4.65 3.60 3.75 4.15 5.04 5.39
Libro Financial Group - 4.45 3.60 3.75 4.25 4.90 5.10
London Life 3.25 4.65 3.60 3.75 4.15 5.04 5.39
Macquarie Financial Ltd. 2.15 - 2.79 - 3.59 - 4.09
Manulife Bank - 4.40 3.25 3.60 3.75 4.00 4.09
Meridian Credit Union 1.99 4.65 3.60 3.75 4.25 3.89 3.99
National Bank 2.25 3.60 3.60 3.75 4.25 5.14 5.49
Ontario Civil Service CU - 6.10 2.50 3.20 3.25 4.19 4.59
PACE Savings & CU - 4.65 3.60 3.75 4.25 5.14 5.49
Parama Credit Union 2.25 - 3.10 3.60 4.00 4.00 4.60
Peace Hills Trust - 6.00 5.00 4.50 4.65 5.25 5.85
President's Choice Financial
 2.05 6.84 2.90 4.00 3.50 3.89 3.94
Promutuel Capital - 3.75 3.80 4.05 4.60 4.85 4.99
ResMor Trust 2.15 - 2.99 - 3.69 - 4.09
Royal Bank of Canada (RBC) 2.25 4.65 3.40 3.75 4.15 5.04 5.39
Servus Credit Union - 4.65 3.60 3.75 4.15 5.04 5.39
So-Use Credit Union - 6.30 2.75 3.85 3.65 4.15 4.35
Steinbach Credit Union - - 3.10 3.40 3.60 3.80 4.10
TD CanadaTrust 2.25 4.60 3.65 3.95 4.30 5.04 5.39
Ukrainian Credit Union - 4.75 2.65 3.85 3.68 3.99 4.19
Virtual One Credit Union - - 3.50 4.00 4.50 5.00 4.11
Windsor Family CU - 4.75 3.90 4.50 4.65 4.85 5.45
Your Credit Union 3.75 - 3.60 3.95 4.50 5.19 4.10
Your Neighbourhood CU - - 2.85 3.40 4.10 4.60 4.70
Last Update: 2010-02-08

Bank of Canada Rates and Statistics

Exchange rates    04/02/1005/02/10+/-
$Can/US closing rate1.07271.0700- 0.0027
$Can/US noon rate1.07341.0725- 0.0009
$US/Can noon rate0.93160.9324+ 0.0008
CERI *112.00112.27+ 0.27
CERI excluding USD113.50114.35+ 0.85
Money market    04/02/1005/02/10+/-
Overnight rate0.2380% 0.2411% + 0.0031
Target for the overnight rate0.25%0.25% 0.00
Overnight repo rate (CORRA)0.2489%0.2449% - 0.0040
Corporate paper, 1 month0.36%0.36% 0.00
Treasury bill, 1 month0.12%0.13%+ 0.01
Bankers' Acceptances, 1 month0.30%0.30% 0.00
Inflation    11/0912/09+/-
Inflation-control target range1—31—3 --
Total consumer price index **1.0%1.3%+ 0.3
Core consumer price index **1.5%1.5% 0.0
Interest rates    27/01/1003/02/10+/-
Prime business rate2.25%2.25% 0.00
Conventional mortgage, 5 year5.49%5.39%- 0.10
Bond yields    04/02/1005/02/10+/-
GoC marketable bonds, +10 yr3.94%3.94% 0.00
GoC benchmark bonds, 3 yr1.58%1.56%- 0.02
Real return bond, long term1.53%1.56%+ 0.03

* Canadian-dollar effective exchange rate index
** 12-month per cent change

Last Update: 2010-02-08

 
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If you are worried about submitting personal information over the Internet, then try our printer friendly mortgage application. Get Adobe Reader You will need the free Adobe Acrobat Reader in order to view and print the application. Once filled out, you can then fax it to our toll free fax number listed on the form.
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Debt Consolidation
The valuable equity that you may already have in your home can be used to consolidate high interest credit card debts. Consolidating your credit card debt into a new, low interest-rate mortgage will save you 10-12% on interest changes.
Refinance / Debt Consolidation Inquiry
CanEquity
 
Product Popularity
Below is a tally of our most popular mortgage product inquiries made using our secure online application for Internet users in Spruce Grove.

Mortgage Type Inquiries
Qualification31.46%
Renewal14.61%
Purchase13.48%
First-time Buyer12.36%
Refinance12.36%
No Money Down6.74%
Pre-approval4.49%
Second Mortgage1.12%
Equity Mortgage1.12%
Investment1.12%
Home Renovation1.12%
Last Tally: Feb 7 at 01:05:34
CanEquity
 
Client Services
CanEquity offers a wide variety of mortgage loans to meet your needs.

Mortgage Services and Products
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Contact a Broker
For up-to-the-minute rates, quick closing specials, and local discounts from regional lenders, contact CanEquity Mortgage and we will connect you with a CanEquity Mortgage Consultant in your area.
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