Current Mortgage Rates in Ontario

Competitive Mortgage Rates. Personalized Mortgage Solutions.

Whether you're purchasing your first home, renewing an existing mortgage or exploring refinancing options, understanding today's mortgage rates is an important part of making an informed financial decision.

As an independent Mortgage Broker with over 25 years of experience, I have access to a network of banks, credit unions and other mortgage lenders, allowing me to compare available rates, terms and mortgage features.

The lowest advertised rate isn't always the right mortgage. I'll help you understand your options and find financing that suits your needs and long-term goals.

Today's Mortgage Rates

Rates Updated: October 8, 2026

The rates displayed below are for eligible insured home purchases and are subject to change without notice.

Looking for a Personalized Mortgage Rate?

Mortgage rates and qualification requirements vary depending on your financial circumstances, property and type of mortgage.

Factors that may influence your available rate include:

• Down payment and loan-to-value ratio

• Credit score and credit history

• Income, employment and debt servicing ratios

• Property type and intended use

• Mortgage term, amortization and product features

• Whether you're purchasing, renewing, transferring or refinancing

Rates for conventional mortgages, refinances, renewals, mortgage transfers and alternative lending may differ from the insured purchase rates shown above.

Let's Find the Right Mortgage for You

With access to multiple lenders and convenient online mortgage services, I can help you compare available financing options and understand the features that matter most.

Contact me today for a free, no-obligation personalized mortgage rate quote.

More than just a rate. Mortgage advice built around you.

Important Rate Information

Rates updated October 8, 2026. Rates displayed are indicative and apply to eligible insured home purchases only, unless otherwise specified. All rates are subject to change without notice, lender availability, mortgage product conditions and approval on credit (OAC).

Rates and qualification requirements vary by lender and may depend on credit history, income, debt servicing ratios, loan-to-value ratio, property eligibility, mortgage purpose and other lending criteria. Additional fees, restrictions or conditions may apply.

Rates for conventional mortgages, renewals, transfers, refinances and alternative financing may differ from those advertised. Rates are not guaranteed until confirmed by the lender and, where applicable, secured through an eligible rate hold or commitment.

Errors and omissions excepted (E&OE).