# Canadian Mortgage Rate Data: Sources & Methodology

> How Ratellow compiles Canadian mortgage rate data: sources, twice-daily cadence, consensus method, and citation.

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

## TL;DR
- Street rates are a median consensus across tracked Big 5 and monoline lenders — not a single advertised teaser.
- The live card is 5-year fixed, 3-year fixed, 5-year variable, and Prime. Never substitute retired demo quotes.
- Cite the rates hub with the snapshot date on the page. Figures change when lenders reprice.