Mortgage Rates

Compare rates and explore lender options with help from a trusted mortgage specialist.

Get More Than Just a Rate—Get the Right Fit

At Sunlite Mortgage, we do more than show you rates—we help you understand how your income, credit, and goals align with the best available mortgage products. Whether you’re purchasing, renewing, or refinancing, our mortgage agents provide expert advice and access to dozens of lender options.

We work with Canada’s top banks, credit unions, monoline lenders, and private institutions. That means you benefit from flexible guidelines, custom terms, and competitive pricing tailored to your needs—not the bank’s.

Mortgage Rates

Current Rates

Current Variable
Mortgage Rate Is
3.60%
Current Prime Rate
Is
4.45%
Terms Bank
Rates
Payment Per
$100K
Our
Rates
Payment Per
$100K
Savings
1 Year 6.29% $657.14 4.89% $575.36 $81.78
2 Year 6.24% $654.14 4.39% $547.37 $106.77
3 Year 6.29% $657.14 3.99% $525.48 $131.66
4 Year 6.34% $660.15 4.14% $533.64 $126.51
5 Year 6.39% $663.17 4.64% $561.28 $101.89
7 Year 6.69% $681.38 4.49% $552.92 $128.46
10 Year 7.14% $709.08 5.19% $592.47 $116.61
5 Year Variable 4.84% $572.53 3.60% $504.56 $67.97
Prime Rate 4.45% 4.45%
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.

Lenders We Work With

We compare products across more than 60 lenders across Canada, including:

Big Banks:

TD, Scotiabank, BMO

Monoline Lenders:

First National, MCAP, RFA, Radius

Credit Unions:

DUCA, Meridian, Coast Capital

Alternative Lenders:

Equitable Bank, Community Trust, Haventree Bank

Private Lenders & MICs:

Custom solutions for credit, income, or complex properties

How Our Mortgage Specialists Help You Save

Smart Mortgage Planning—Not Just Rate Shopping

Some low-rate mortgages come with hidden fees or penalties. We show you the full picture.

As a brokerage, we secure discounted rates and exclusive terms that may not be offered directly to consumers.

Income type, down payment, and credit history can impact your eligibility. We know how to match your file to the right lender.

Our mortgage specialists proactively review your renewal options to help you avoid unnecessary rate hikes.

Final Mortgage Approval

Speak with a Mortgage Agent Today

Our mortgage agents will help you compare rates, lenders, and strategies—so you can make decisions with clarity and confidence.

External Resource

To better understand how mortgage rates are influenced by national policy and bond yields, visit the Bank of Canada interest rate page.