Latest Lending Rates

Mortgage It Right!

Contact Us today to receive current rates and a complimentary in-depth quote and overview of current market conditions affecting your local mortgage market.

Rates are subject to change without notice at any time and clients must adhere to lender policies to qualify for the lowest rates.

For short closings (e.g., less than 30 days) lenders may offer even lower rates.

Please note that choosing a mortgage solely on rate is not always your best choice. Kelleway Mortgage Architects will discuss with you a range of available mortgage terms (including rate). We estimate that there are at least 65 considerations besides rate when choosing the right mortgage. It's really about your mortgage STRATEGY to pay your mortgage down faster while building equity that is most important. We want you to make an informed decision when choosing the financing solution that best fits with your personal mortgage plan.

NOTE: The Bank of Canada PRIME rate is currently 2.45%. See our Facebook page at for latest news.


(NOTE: It's best to call us first about rates as some rates the lenders will not allow us to publish.)

5 Year Variable Close a P-1.10% (eg., 2.45%-1.10%=1.35%)
Line of Credit (LOC) at P+.0.50% (e.g., 2.45%+0.50% =2.95%), dependent upon lender product offering

Prime Rate


Variable Rate




Bank Rates

2.79 % 6 month closed 3.04 %
1.84 % 1 year closed 2.79 %
1.54 % 2 year closed 2.94 %
1.54 % 3 year closed 3.49 %
1.79 % 4 year closed 3.74 %
1.74 % 5 year closed 4.59 %
2.84 % 7 year closed 5.35 %
2.79 % 10 year closed 5.60 %
2.45 % Prime 2.45 %
5.25 % BOC Qualifying Rate 5.25 %
0.25 % BOC Overnight Rate 0.25 %

*Subject to approved credit, income verification and meeting lending credit granting criterea. Applies to residential mortgages only and some conditions may apply. O.A.C., E.O.E All content is subject to change without notice.

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