# Compare Canadian Mortgage Rates 2026: Side-by-Side Rate Table

> Side-by-side 3-year fixed, 5-year fixed, and 5-year variable from the same national lender sheet.

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

## 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%.
- Same national sheet for every city. Closing cost is what differs by province and municipality.
- Uninsured straight switch at renewal: no prescribed MQR since 21 November 2024. Refinance is always tested.