Free tool

Mortgage Payment Calculator

Uses Canadian semi-annual compounding (the way lenders actually calculate fixed-rate payments). Today's best 5-year fixed rates are around 3.94% — see current rates.

Rates shown are ranges observed in the Canadian market for illustration only, on approved credit (OAC), subject to change without notice, as of 2026-07-03. Where a specific rate is advertised for a fixed-amount mortgage, the APR equals the rate unless non-interest charges apply. Not an offer of credit.