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Canada Published Loan Rates
Qualification uses a stress (benchmark) rate. High-ratio mortgages require insurance.
CAD Active Currency
Launch Calculator →
Lowest Published APR
4.10%
Best rate benchmark currently on record
Market Average APR
5.17%
Mean across tracked lending products
Available Products
70 Benchmarks
Fixed, variable & personal credit
Statutory System
5-year fixed/variable term with renewal
Verified statutory framework
Canada Rate Directory
Click Calculate on any rate to open our loan calculator pre-filled with these exact parameters.
| Lender / Benchmark | Category | Term | Rate (APR) | Type | Effective Date | Calculate |
|---|---|---|---|---|---|---|
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-10-22T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-10-21T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-10-20T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-10-19T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-10-18T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-10-18T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-10-17T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-10-16T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-10-15T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-10-14T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-10-13T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-10-12T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-10-11T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-10-10T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-10-09T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-10-08T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-10-08T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-10-08T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-10-08T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-10-08T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-10-08T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-10-08T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-10-07T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-10-06T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-10-05T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-10-04T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-10-03T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-10-03T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-10-02T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-10-01T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-09-30T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-09-30T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-09-30T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-09-30T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-09-30T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-09-30T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-09-30T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-09-29T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-09-29T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-09-29T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-09-29T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-09-29T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-09-29T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-09-28T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-09-27T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-09-27T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-09-26T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-09-25T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-09-24T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-09-23T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-09-22T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-09-21T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-09-20T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-09-19T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-09-18T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-09-18T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-09-17T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-09-16T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-09-15T00:00:00Z | Calculate → |
|
CA 5-Year Fixed (Bank of Canada Valet)
⚡ Live
Stub for BoC Valet API: V122521
|
🏠 Mortgage | 25 Years (300 mo) | 4.99% | fixed | 2026-09-15T00:00:00Z | Calculate → |
|
Scotiabank
⚡ Live
Scotiabank
|
🏠 Mortgage | 30 Years (360 mo) | 5.95% | variable | 2026-09-14T00:00:00Z | Calculate → |
|
Market average
⚡ Live
Example market snapshot. Verify current offers before making a decision.
|
🚗 Auto Loan | 5 Years (60 mo) | 7.25% | fixed | 2026-09-06T00:00:00Z | Calculate → |
|
Market average
⚡ Live
Example market snapshot. Verify current offers before making a decision.
|
🏠 Mortgage | 15 Years (180 mo) | 4.10% | fixed | 2026-09-06T00:00:00Z | Calculate → |
|
Market average
⚡ Live
Example market snapshot. Verify current offers before making a decision.
|
🏠 Mortgage | 25 Years (300 mo) | 4.29% | fixed | 2026-09-06T00:00:00Z | Calculate → |
|
Market average
⚡ Live
Example market snapshot. Verify current offers before making a decision.
|
👤 Personal Loan | 5 Years (60 mo) | 9.95% | fixed | 2026-09-06T00:00:00Z | Calculate → |
|
Canada 5-Year Fixed Benchmark
|
🏠 Mortgage | 25 Years (300 mo) | 4.29% | fixed | Active Benchmark | Calculate → |
|
Canada 5-Year Variable Benchmark
|
🏠 Mortgage | 25 Years (300 mo) | 5.45% | variable | Active Benchmark | Calculate → |
|
Canada 3-Year Fixed Benchmark
|
🏠 Mortgage | 15 Years (180 mo) | 4.10% | fixed | Active Benchmark | Calculate → |
|
Canada Unsecured Personal Loan Average
|
👤 Personal Loan | 5 Years (60 mo) | 9.95% | fixed | Active Benchmark | Calculate → |
|
Canada Vehicle Financing Benchmark
|
🚗 Auto Loan | 5 Years (60 mo) | 7.25% | fixed | Active Benchmark | Calculate → |
🏛️
Canada Underwriting Guidelines
Statutory Borrowing Rule
39% GDS / 44% TDS caps plus OSFI B-20 qualifying rate stress test
Mortgage System
5-year fixed/variable term with renewal
Default Insurance / Guarantee
CMHC / Sagen default insurance
Regulatory Reference