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Today's lowest rates
As of October 15, 2026 · Toronto ET
Lowest available rates from our partner mortgage broker's lender panel, refreshed daily (as of October 15, 2026). Illustrative only and subject to change, credit approval and qualification. Mortgages are arranged through independent FSRA-licensed mortgage professionals, not by HOMEH.
What moves
these rates.
Credit score
Best rates need 680+
Down payment size
Insured (under 20% down) typically beats uninsured
Mortgage size
Larger loans sometimes get better pricing
Property type
Owner-occupied beats rental, condo can differ from detached
Bank of Canada rate
Especially for variable terms
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