5 Year Fixed
High Ratio5-19% down
4.24%
Conventional20%+ down
4.34%
Rate Sheet
Current rates
A snapshot of current rates I can shop on your behalf. Use them to ballpark a payment with the payment calculator, then reach out for a real quote.
Last updated: May 21, 2026
Rates change without notice, sometimes daily. The specific rate you'd qualify for depends on your credit, down payment, the property, and the lender's approval at the time you apply. The numbers below are not a quote and not a guarantee. For a real rate hold and pre-approval, get in touch.
High Ratio rates apply when you put 5-19% down (the file is insured by CMHC, Sagen, or Canada Guaranty). Conventional rates apply when you put 20% or more down.
3 Year Fixed
High Ratio5-19% down
4.39%
Conventional20%+ down
4.49%
5 Year ARM
High Ratio5-19% down
3.60%
Conventional20%+ down
3.60%
3 Year ARM
High Ratio5-19% down
3.60%
Conventional20%+ down
Not offered
Tyron Kornelsen is a licensed Mortgage Agent Level 1 with Mortgage Architects (FSRA Brokerage #12728), regulated by FSRA. Rate information on this page is for general illustration only and is not an offer to lend, a commitment, or a binding rate hold. Mortgage approvals are subject to lender underwriting at the time of application, including credit, income, and property review.