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MCAP Mortgage Rates

Below you'll find the best mortgage rates from MCAP. Be sure to compare rates between lenders to get the best product for you.

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Compare MCAP Mortgage Rates

Rates updated:

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Provider5 Year fixed5 Year variable3 Year fixed



Prime -1.25%




Prime -0.61%




Prime -0.75%




Prime -0.55%




Prime -0.60%




Prime -0.60%


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MCAP: Frequently asked questions

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MCAP mortgage rates overview

MCAP is one of the largest independent Mortgage Finance Companies. With over $100 billion in assets under management, MCAP is much smaller than the Big 5 Banks, but has a range of mortgage products that might suit your needs.

How do MCAP mortgage rates compare with the big banks?

As you can see in the rates tables above, MCAP mortgage rates are definitely competitive with the Big 5 Banks. In order to get the best mortgage for your needs, you should compare rates from multiple lenders, including both the big banks and smaller lenders like MCAP.

MCAP mortgage products

MCAP operates in three main areas: residential mortgages, commercial mortgages and development finance. Their residential mortgage product line is wide, covering all of the most common mortgage types. This includes a closed-rate mortgage of 1 - 10-year terms, a 6-month convertible fixed-rate mortgage, a small rental program for non-owner occupied properties, as well as the MCAP Fusion Mortgage, which is a mortgage plus a home equity line of credit, or HELOC.

Accessing MCAP mortgage rates

To access one of the MCAP mortgage rates in the table above, you can approach MCAP directly, or speak to a mortgage broker near you to arrange a free consultation. The benefit of speaking with a mortgage broker is you'll also be given information about similar products and exclusive rates from other lenders, which helps you get the best deal possible. Mortgage brokers are also independent experts, and can give you advice specific to your situation at no cost to you.

More about MCAP

MCAP is a relatively young financial institution, founded in 1981 with the acquisition of Interior Trust, a small trust company. Despite its youth, MCAP has become one of Canada's largest independent Mortgage Finance Companies. In late 2022, the company had over $150 billion of Assets under Management, with over 1,500 employees working across Canada.


Whether you need a mortgage, credit card, savings account, or insurance coverage, we help you find and compare the best financial products for your specific needs.

When it comes to mortgages, is more than just a place to research and compare the best rates. Our goal is to give Canadians the best mortgage experience from online search to close. This means offering Canadians the mortgage tools, information and articles to educate themselves, allowing them to get personalized rate quotes from multiple lenders to compare rates instantly, and providing them with the best online application and offline customer service to close their mortgage all in one place. has been named Canada's Mortgage Brokerage of the Year for four years straight (2018-2021). With over 12 years of mortgage experience, and over $11 billion in mortgages funded, we deliver you the best mortgage experience in Canada. 

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Financial institutions pay us for connecting them with customers. This could be through advertisements, or when someone applies or is approved for a product. However, not all products we list are tied to compensation for us. Our industry-leading education centres and calculators are available 24/7, free of charge, and with no obligation to purchase. To learn more, visit our About us page.

How are CanWise Financial and connected?

We own and operate a mortgage brokerage, (formerly known as CanWise Financial), and are compensated for mortgages funded through our brokerage. Ratehub Inc. o/a & CanWise is a licensed mortgage brokerage and CMHC-approved lender. When comparing mortgage rates on, you’ll see rates from a number of lenders, including CanWise. All products are sorted according to the rates available to you and the selection criteria you’ve shared with us. Both and CanWise are owned and operated by Ratehub Inc.

We’re proud of our mortgage brokerage, which offers our users great rates, trusted advice and an award-winning team of mortgage experts. Read any of our 6,700 five-star Google and Facebook reviews and you’ll see what we mean.

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