Mortgage Rates Are Only Part of the Story

It’s easy to focus on the lowest advertised rate, but the truth is that the lowest rate isn’t always the best mortgage.

Mortgages come with different terms, prepayment privileges, penalties, portability options, and restrictions that can significantly impact your flexibility and the true cost of borrowing. A slightly higher rate with the right features can often save you thousands of dollars if your situation changes.

At Dominion Lending Centres Mainstream Mortgages, we look beyond the rate to help you find the mortgage that truly fits your needs. With access to over 30 lenders, we can compare options from banks, credit unions, and mortgage lenders to make sure you’re getting the right solution—not just the lowest number.

It’s also important to know that many of the best mortgage rates are not publicly advertised. Lenders frequently offer unpublished rate specials that are only available through mortgage brokers.

If you’re shopping for a mortgage, renewal, refinance, or pre-approval, reach out to the Mainstream Mortgage Team. We’d be happy to review your situation, explain your options, and help you secure the right mortgage with the right terms.

We’d love to be your mortgage brokers.

Current Rates

Current variable mortgage rate is

3.90%

Current prime rate is

4.45%

    • Terms
    • Bank Rates
    • Payment Per $100k
    • Our Rates
    • Payment Per $100k
    • Savings
    • 6 Months
    • 7.89%
    • $756.21
    • 5.99%
    • $639.21
    • $116.99
    • 1 Year
    • 6.15%
    • $648.75
    • 4.99%
    • $581.04
    • $67.71
    • 2 Years
    • 5.44%
    • $606.90
    • 4.44%
    • $550.14
    • $56.76
    • 3 Years
    • 4.62%
    • $560.16
    • 3.94%
    • $522.77
    • $37.39
    • 4 Years
    • 6.01%
    • $640.40
    • 4.19%
    • $536.37
    • $104.03
    • 5 Years
    • 4.56%
    • $556.81
    • 4.19%
    • $536.37
    • $20.44
    • 7 Years
    • 6.41%
    • $664.38
    • 5.10%
    • $587.31
    • $77.07
    • 10 Years
    • 6.81%
    • $688.72
    • 5.34%
    • $601.11
    • $87.61
Some conditions may apply. Rates may vary from Province to Province. Rates subject to change without notice. Posted rates may be high ratio and/or quick close which can differ from conventional rates. *O.A.C. E.& O.E.

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