5 Year Fixed
4.14%
Uninsured 4.24%
Live rates · Updated July 9, 2026
The terms Ontario borrowers ask for most, side by side with the full schedule. Get a personalized quote in minutes.
Featured rates
Our most-booked products today. Toggle to match how you're qualifying.
Cash-back rates return a lump-sum rebate at closing (handy against moving or legal costs), usually for a slightly higher rate. Ask a broker how it nets out for your file.
The full board
Insured and uninsured side by side. Your active view is highlighted; the 5-year is today's most-booked.
| Term | Type | Insured< 20% down | Uninsured20%+ / refi |
|---|---|---|---|
| 1 Year | Fixed | 4.94% | 5.09% |
| 2 Year | Fixed | 4.24% | 4.24% |
| 3 Year | Fixed | 3.99% | 4.09% |
| 4 Year | Fixed | 4.09% | 4.19% |
| 5 YearMost popular | Fixed | 4.14% | 4.24% |
| 5 Year | Variable | 3.5% | 3.7% |
Benchmarks that steer variable mortgages and HELOCs (reference only, not bookable products).
Rates subject to change. O.A.C.
A licensed Magellan broker shops 30+ lenders to beat the posted rate.
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