Closed Mortgage Rates

Financial Institution	Variable	6 Months	1 Year	2 Years	3 Years	4 Years	5 Years
AGF Trust	N/A	4.650	2.750	2.950	3.450	3.990	4.140
ATB Financial	2.250	4.650	3.750	3.950	4.450	5.290	4.540
Alterna Bank	N/A	4.700	3.550	3.850	3.990	4.440	4.190
Alterna Savings	N/A	4.400	3.550	3.850	3.990	4.440	4.190
Bank Montreal Mtg. Corp.	2.250	4.650	3.500	3.750	4.250	5.190	5.590
Bank of Nova Scotia	2.250	4.650	4.350	3.950	4.500	5.190	5.590
Bridgewater Bank	5.750	N/A	5.990	5.750	3.640	N/A	4.270
CIBC Mortgages	2.250	4.650	3.600	3.750	4.250	5.190	5.590
Caisses Desjardins	N/A	3.500	3.500	3.750	4.250	5.190	5.590
Canadian Western Bank	3.250	4.650	3.800	3.950	4.450	5.290	5.780
Canadian Western Trust	3.250	4.650	3.800	3.950	4.450	5.290	5.780
Citibank	N/A	4.650	3.800	3.950	4.450	5.290	5.840
Comtech Credit Union	N/A	6.600	2.990	3.990	3.990	3.990	4.150
Concentra Financial	N/A	4.650	4.550	4.500	4.450	5.290	5.840
DUCA Financial Services	2.150	4.400	2.990	3.500	3.600	3.900	3.990
Effort Trust	N/A	3.750	3.750	3.900	4.400	5.200	5.700
Equitable Trust	N/A	N/A	3.800	3.950	4.450	5.290	5.590
First Calgary Savings	N/A	4.650	3.290	3.750	3.390	4.290	5.590
First National Financial	2.250	4.600	2.650	2.950	3.500	4.040	4.190
FirstLine Mortgages	2.250	7.900	2.950	3.600	3.890	4.390	4.490
FirstOntario Credit Un.	2.250	4.350	3.000	3.700	3.900	4.090	4.290
HSBC Bank Canada	2.250	5.200	4.500	5.000	5.150	5.440	5.840
Home Trust Company	N/A	N/A	2.750	N/A	3.590	N/A	4.090
ICICI Bank Canada	3.500	N/A	4.000	4.250	4.500	4.850	5.850
ING Direct	2.250	N/A	2.950	3.490	3.590	4.090	4.190
Investors Group Trust	3.250	4.650	3.600	3.750	4.250	5.190	5.590
Key Savings + Credit U.	N/A	4.650	3.590	3.950	4.150	4.990	5.250
Laurentian Bank Canada	2.250	3.850	3.500	3.750	4.250	5.200	5.600
League Svgs & Mortgage	N/A	4.650	3.600	3.750	4.250	5.190	5.840
Libro Financial Group	N/A	4.450	3.600	3.750	4.250	4.900	5.100
London Life	3.250	4.650	3.600	3.750	4.250	5.190	5.590
Macquarie Financial Ltd.	2.250	N/A	2.740	N/A	3.590	N/A	4.190
Manulife Bank	N/A	4.500	3.500	3.750	3.850	4.100	4.190
Meridian Credit Union	2.250	4.650	3.600	3.750	4.250	3.990	4.150
National Bank	2.250	3.750	3.750	3.950	4.450	5.290	5.840
Ontario Civil Service CU	N/A	6.100	2.990	4.400	3.550	4.690	4.840
PACE Savings & Credit Un	N/A	4.650	4.550	4.500	4.450	5.290	5.840
Parama Credit Union	2.250	N/A	3.250	3.600	4.150	4.500	4.950
Peace Hills Trust	N/A	6.000	5.000	4.500	4.650	5.250	5.850
President's Choice Fin'l	2.250	6.840	2.900	3.400	3.640	4.140	4.240
Promutuel Capital	N/A	3.750	3.900	4.250	4.700	5.100	5.090
ResMor Trust	2.300	N/A	2.990	N/A	3.790	N/A	4.240
Royal Bank of Canada	2.250	4.650	3.600	3.750	4.250	5.190	5.590
Servus Credit Union	N/A	4.650	3.600	3.750	4.250	5.190	5.590
So-Use Credit Union	N/A	6.300	3.000	4.000	4.250	4.250	4.550
Steinbach Credit Union	N/A	N/A	3.100	3.400	3.700	4.050	4.350
T-D Mortgage	4.600	2.250	N/A	N/A	N/A	N/A	N/A
Ukrainian Credit Union	N/A	4.750	2.650	3.850	3.680	3.990	4.190
Virtual One Credit Union	N/A	N/A	3.500	4.000	4.500	5.000	4.110
Windsor Family C.U.	N/A	4.750	3.900	4.500	4.650	4.850	5.450
Your Credit Union	$DATA	3.750	N/A	N/A	N/A	N/A	N/A
Your Neighbourhood C.U.	N/A	N/A	3.500	3.900	4.250	4.850	5.000

Last Update: 11-20-2009 11:30:03

A mortgage is a contract stipulating a specific property, typically a residence or building, as collateral for a loan. The mortgage incurs a rate of interest that varies according to term and other features. Closed mortgages involve a strict repayment schedule of a specific amount with optional limited lump sum payments and payment increases.

These rates are for indication purposes only and should be confirmed with each institution directly. The actual rate available to a borrower will vary depending upon a number of factors which may include general credit worthiness, security/collateral provided, borrowing/repayment history and the extent to which the borrower has other products/services with that particular vendor.

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