# BC Mortgage Rates 2026: Live Vancouver & Victoria Rates

> Current British Columbia mortgage rates from Canada’s Big 5 banks and major challenger lenders. Vancouver property transfer tax, Speculation and Vacancy Tax, and BC market context. Updated daily.

Category: Mortgage Rates
Last verified: 2026-08-29
Source: https://ratellow.com/mortgages/rates/bc

## TL;DR
- Live card as of 2026-08-31: 5-year fixed 4.14% · 3-year fixed 3.94% · 5-year variable 3.49% · Prime 4.45%.
- BC Property Transfer Tax is 1% / 2% / 3% plus a 2% surtax above $3M. First-time buyer exemption under $500K.
- Lender contract rates do not vary by province. Closing cost and legal mechanics do.