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5-year fixed mortgage rate history

Posted historical 5-year fixed mortgage rates (1973 - present)

The 5-year fixed mortgage rate is the most popular rate in Canada. View historical values for posted rates as far back as 1973. These rates are sourced from the Bank of Canada, which sources its data from posted bank rates.

Historical posted 5-year mortgage rates

Discounted historical 5-year fixed mortgage rates (2006 - present)

While the Bank of Canada has the most comprehensive data set, with the high prevalance of mortgage rate discounting, it is not the most accurate. The Canadian Association of Accredited Mortgage Professionals estimates that the average discount applied to a 5-year mortgage rate in 2010 was 1.42%. To source the discounted rates, we have combined our proprietary data supplemented with discount brokerage data from 2006-2010.

Historical discounted 5-year mortgage rates

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Lender Mortgage Rates