Canadian Mortgage Rates and Payment Calculator

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Company Mortgage Rates Rate Hold Overpayment Penalties Mortgage Payment
2.45% 0 days Lump sum: 20.00%
Monthly: 20.00%
$1,114

monthly

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2.55% days Lump sum: 20.00%
Monthly: 20.00%
$1,126

monthly

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2.55% 90 days Lump sum: 0.00%
Monthly: 0.00%
$1,126

monthly

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2.65% 120 days Lump sum: 20.00%
Monthly: 20.00%
$1,139

monthly

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3.00% days Lump sum: 0.00%
Monthly: 0.00%
$1,183

monthly

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3.00% 90 days Lump sum: 10.00%
Monthly: 100.00%
$1,183

monthly

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3.00% 90 days Lump sum: 20.00%
Monthly: 20.00%
$1,183

monthly

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3.00% 90 days Lump sum: 10.00%
Monthly: 100.00%
$1,183

monthly

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3.00% 120 days Lump sum: 10.00%
Monthly: 100.00%
$1,183

monthly

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3.00% 120 days Lump sum: 15.00%
Monthly: 100.00%
$1,183

monthly

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3.00% days Lump sum: 0.00%
Monthly: 0.00%
$1,183

monthly

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3.00% 90 days Lump sum: 15.00%
Monthly: 15.00%
$1,183

monthly

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3.10% 120 days Lump sum: 15.00%
Monthly: 15.00%
$1,196

monthly

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Compare Canadian Mortgage Rates

With mortgage rates at historic lows, it may be a great time to secure a mortgage to buy a home or refinance your existing mortgage at a better rate.

Purchasing a home is an important decision, and knowing what you can afford is crucial aspect of the buying process. Our mortgage calculator will help you understand the maximum price you can afford, and the mortgage payment associated with different rates, term structures and amortization periods.

Whether you're looking for a fixed or variable rate mortgage, you'll find the best rate and payment for your unique situation because we compare the most competitive offers from different mortgage brokers, banks and lenders in Canada.

Even if you're not looking to purchase a home, you can get a rate quote and find out if you could lower your monthly payment by refinancing your mortgage. Other options include unlocking the equity in your home with a second mortgage and using the proceeds to pay down high interest credit cards, top up your RRSP, or combine other lines of credit into one low monthly payment.

To find the mortgage that's right for you, simply browse the offers from the above list of preferred lenders and secure the best rate today!