We match you with a licensed broker who shops Canada’s top lenders for the lowest rates — no pressure, no hidden fees.
Updated daily. Trusted by thousands of Canadians.
No credit check required to view rates.
| Type | Best Rate | Lender | Updated |
| 5-Year Fixed | 4.79% | Big Bank A | Dec 12, 2025 |
| 5-Year Variable | 5.55% | Broker Only | Dec 12, 2025 |
| 3-Year Fixed | 5.05% | Credit Union | Dec 12, 2025 |
| 10-Year Fixed | 5.95% | Online Lender | Dec 12, 2025 |
Displayed rates are for qualified buyers. Your actual rate may vary.
Getting Covered Is Simple
Our brokers explain everything in plain English — no surprises.
Mortgage rates in Canada have fluctuated significantly due to inflation, central bank hikes, and market uncertainty. Fixed rates have recently stabilized, while variable rates remain higher.
→ Your best move? Compare all your options.
ReducedRates.ca brokers help you read the market and lock in a great deal — even in a changing rate environment.
No. You’ll see available rates without any credit check. A soft or hard pull only happens if you apply.
Never. We’re paid by the lenders — not you.
Yes. We have partners who specialize in complex situations.
Absolutely. Many lenders offer 90- to 120-day rate holds.
Let Us Help You Get the Best Mortgage — Without the Stress
