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Secure Your Mortgage With Our Competitive Rates!
Choose Your Mortgage Type
Understanding the difference between fixed and variable rates
Fixed Rate Mortgage
Lock in your rate for the term of your mortgage. Your payments stay the same regardless of market changes — ideal for budget-conscious homeowners who value stability.
- Predictable monthly payments
- Protection from rate increases
- 1 to 10 year terms available
Variable Rate Mortgage
Your rate fluctuates with the prime rate. Variable-rate mortgages often start lower than fixed rates and can save you money if rates decrease — great for flexible borrowers.
- Typically lower starting rate
- Benefit from rate decreases
- Flexible prepayment options
Recent Mortgage rate
| Mortgage Term | Fix Rate Term | Var Rate |
|---|---|---|
| 1 Year Fixed | 4.84% | — |
| 2 Year | 4.24% | — |
| 3 Year | 4.44% | — |
| 4 Year | 4.29% | — |
| 5 Year Fixed | 4.24% | — |
| 5 Year Variable | — | 3.65% |
Rates shown are best available for insured mortgages. OAC. Subject to change. Posted: May 2026.
Why Lock Your Rate Today?
Protect yourself from market volatility
120-Day Rate Hold
Lock in today's rate for up to 120 days while you shop for a home — no risk of increases.
Best Rate Guarantee
We shop 50+ lenders to find you the absolute best rate — at no cost to you.
Fast Pre-Approval
Get pre-approved in 24–48 hours so you can shop with confidence and make strong offers.
Peace of Mind
Know exactly what your payments will be — budget confidently with a locked-in rate.
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