Explore the latest fixed, variable, and insured mortgage rates across Canada's top lenders.
Looking for the latest mortgage rates in British Columbia? You're in the right place. This page shows current 1-year, 3-year, and 5-year fixed and variable mortgage rates from top Canadian lenders like RBC, TD, CIBC, Scotiabank, Equitable Bank, and others.
Whether you're comparing the RBC 5-year fixed rate or the TD variable rate, Prosper Lending gives you the most accurate data to make informed decisions.
Fixed Rate - Interest rate and payments remain constant for the term.
Variable Rate - Rate fluctuates with the lender's prime rate.
Insured Mortgage - Required when down payment is under 20%; generally lower rates.
| Lender | 1-Year Fixed | 3-Year Fixed | 5-Year Fixed | 5-Year Variable |
|---|---|---|---|---|
| RBC | 5.49% | 4.29% | 4.29% | 4.55% |
| TD | 6.09% | 4.89% | 4.54% | 4.89% |
| Scotiabank | 7.19% | 4.68% | 4.73% | 4.29% |
| BMO | 5.77% | 4.44% | 4.49% | 4.55% |
| CIBC | 5.49% | 4.39% | 4.34% | 4.55% |
| National Bank | 5.49% | 4.44% | 4.39% | 4.45% |
| Equitable Bank | 5.39% | 5.14% | 4.99% | 5.45% |
| Community Trust | 5.59% | 5.55% | 5.59% | N/A |
| Home Trust | 6.09% | 6.05% | 6.09% | N/A% |
| Vancity | 5.09% | 4.19% | 4.34% | 4.45% |
| Lender | 1-Year Fixed | 3-Year Fixed | 5-Year Fixed | 5-Year Variable |
|---|---|---|---|---|
| Royal Bank of Canada (RBC) | N/A | N/A | 3.99% | Prime – 0.70 (4.25%) |
| TD Canada Trust | N/A | N/A | 4.54% | N/A |
| BMO (Bank of Montreal) | N/A | N/A | 4.24% | N/A |
| Vancity Credit Union | N/A | 3.79% | 3.84% | N/A |
| Coast Capital Savings | N/A | N/A | 3.94% | 4.14% |
| Envision Financial | N/A | N/A | 4.14% | 4.20% |
| Prospera Credit Union | N/A | N/A | 3.94% | 4.20% |