Canadian Mortgages: Rates, Calculators & Institutional Research

Ratellow is the institutional-grade mortgage intelligence platform for Canadian borrowers, brokers, and advisors. Live Big 5 bank and challenger lender rates, a full suite of mortgage calculators, 70+ long-form guides, and 270+ research-grade FAQs — all cross-referenced against OSFI rules, CMHC requirements, and the 2024–2026 Canadian mortgage reforms.

Best 5-Year Fixed
4.04%
Best 3-Year Fixed
4.09%
Best Variable
3.35%
Prime Rate
4.45%

Mortgage Rates

All Mortgage Rates
Live Big 5 bank and challenger lender rates across every term. Updated daily.
5-Year Fixed Rates
Canada’s most common term. IRD mechanics, bond yield linkage.
3-Year Fixed Rates
The dominant 2026 term. Why borrowers are shortening the lock.
5-Year Variable Rates
Prime-minus pricing. Trigger rate mechanics explained.
Prime Rate
Live prime. Big 5 tracking. BoC correlation.
Bank of Canada Rate
Policy rate, 2026 announcement schedule, transmission.
Compare All Rates
One table, every term, every lender. Best-to-worst sorted.

Mortgage Calculators

Calculator

Mortgage Payment Calculator

$2,147/mo
PrincipalInterest
Open Calculator
Calculator

Payment Comparison

Option A4.29%
Option B3.89%
Open Calculator
Calculator

Renewal Calculator

Current2.10%
Renewal4.19%
+$412/mo
1yr
2yr
3yr
5yr
Open Calculator
Calculator

Renewal Comparison

LenderRate
Bank A
4.29%
Bank B
4.19%
Bank C
4.54%
Open Calculator
Calculator

Affordability Calculator

$485Kmax
Income
$95K
Debts
$420
Down pmt
20%
Open Calculator
Calculator

Land Transfer Tax

Provincial$6,475
Municipal$6,475
Rebate-$4,000
Total$8,950
Open Calculator

Provincial Context

Canadian mortgage rates are set nationally — the same Big 5 banks and challenger lenders serve every province. These pages cover the live rates plus province-specific closing costs, land transfer tax rules, rebates, and market context.

Ontario
Toronto GTA, Ottawa, Hamilton
British Columbia
Vancouver, Victoria, Kelowna
Alberta
Calgary, Edmonton — no PLTT
Quebec
Montreal, Welcome Tax, notary closing

Research & Education

Mortgage Guides (70+)
Long-form research on OSFI reforms, renewal strategy, first-time buying, refinancing, HELOCs, and more. Institutional depth, no sales gimmicks.
Mortgage FAQs (270+)
Research-grade answers across 13 categories: strategy, purchasing, renewal, qualification, regulatory, product mechanics, and more.

How Ratellow Is Different

Most Canadian mortgage sites are rate aggregators paid for lead generation. Ratellow is built as an institutional-grade research platform: every rate is timestamped against Bank of Canada benchmarks, every FAQ is sourced to OSFI, CMHC, or primary-source lender policy, and every guide is updated as the 2024–2026 regulatory reforms roll through.

The platform is designed for borrowers who want the math to work, brokers who need defensible research for their clients, and advisors who need to understand how mortgage decisions compound across a client’s balance sheet. No lender referrals, no lead sales, no hidden commercial interests — just the underlying research.