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Lowest mortgage rates in Ontario
Last updated November 20th, 2024
Prime
Non-Prime
Refinance
4.64%
Qualify with reported taxable income, a credit score of 680 or higher, and GDS / TDS ratios up to 39% / 44%
5.24%
Qualify with self-employed income, a credit score of 500 or higher, and GDS / TDS ratios up to 50% / 50%
HELOC
6.45%
Refinancing with this HELOC being the 1st mortgage up to 65% of the property's value, a credit score of 680 or higher, and GDS / TDS ratios up to 39% / 44%
7.99%
Refinancing with this HELOC in 2nd position (i.e. in addition to an existing mortgage) up to 80% of the property's value with the HELOC portion not exceeding 65%.
Insured
Uninsured
Purchase
4.24%
For purchases with CMHC insurance under $1.5M, a credit score of 680 or higher, and GDS / TDS ratios up to 39% / 44%
4.64%
For purchases with a down payment of at least 20%, a credit score of 680 or higher, and GDS / TDS ratios under 39% / 44%, with no limit on purchase price
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