A live snapshot of what our lender network is offering this morning. Your personalised rate depends on your profile — let's confirm it in writing.
| Term | Type | Our best rate | Bank posted | Insured | |
|---|---|---|---|---|---|
| 5 Year | Fixed Best | 4.24% | 5.49% | 4.34% | Lock it |
| 5 Year | Variable ▼ 0.10 | 4.95% | 6.10% | 5.05% | Enquire |
| 4 Year | Fixed | 4.39% | 5.59% | 4.49% | Enquire |
| 3 Year | Fixed | 4.49% | 5.69% | 4.59% | Enquire |
| 2 Year | Fixed | 5.19% | 6.24% | 5.29% | Enquire |
| 1 Year | Fixed | 5.79% | 6.84% | 5.89% | Enquire |
Rates are illustrative for this prototype, shown for qualified borrowers and subject to change without notice (OAC). "Insured" rates apply to high-ratio mortgages with default insurance. Last updated this morning.
There's no universal answer — it depends on your risk tolerance, timeline and cash flow. Here's the quick version, then let's talk specifics.
Get a personalised recommendationPredictable payments for the whole term. Best when you value certainty or expect rates to rise.
Moves with the prime rate. Historically cheaper over time, but your payment can change. Best with a buffer.
We hold your rate for up to 120 days at no cost — so you're protected while you decide or shop.