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Ontario Mortgage Rates

RateSpy can help you find the lowest mortgage rates in Ontario from some of the biggest and most trusted providers in the province. The best mortgage rates are often available through brokers, but the big banks and credit unions also offer discounted rates from that (at times) even a broker can’t beat.

Actual 360 Day Interest Calculation 2016-12-21  · Many banks use an "Actual/360" formula to calculate payments, while Excel’s pmt function and your financial calculator use the 30/360 formula (i.e., every month earns 30 days’ interest on a 360-day year). When banks use Actual/360, it means that interest for each day is based on the nominal rate (e.g., 6.00%) divided by 360 days.

The Rates.ca mortgage rates comparison service is currently available only in Ontario. Therefore if you live in Toronto, London, Ottawa, Windsor, Oakville, Mississauga, Brampton, Hamilton, Kitchener or any other city in the province of Ontario we are able to offer you quick and free ontario mortgage rates.

Personal lending products and residential mortgages are offered by Royal Bank of Canada and are subject to its standard lending criteria. Some conditions apply. special Offers are discounted rates and are not the posted rates of Royal Bank of Canada.

Popularity of 5-year fixed mortgage rates A 5-year mortgage term, at 66% of all mortgages, is by far the most common duration. It sits right in the middle of available mortgage term lengths, between one and 10 years, and, thus, its popularity reflects a risk-neutral average.

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Use annual percentage rate APR, which includes fees and costs, to compare rates across lenders.Rates and APR below may include up to .50 in discount points as an upfront cost to borrowers and assume no cash out. Select product to see detail. Use our compare home mortgage loans calculator for rates customized to your specific home financing need.

The Ontario mortgage broker team provides the best mortgage products and rates in every area of Ontario. Select your city below to find specific information on the availability of mortgage products, local mortgage rates and to contact a local mortgage broker in your city to apply for a mortgage.

Find a secure fixed rate mortgage to help buy your dream home. Choose from competitive interest rates on open term, flexible or closed term mortgages at Scotiabank. Need help choosing the right mortgage?

RateSpy can help you find the lowest mortgage rates in Ontario from some of the biggest and most trusted providers in the province. The best mortgage rates are often available through brokers, but the big banks and credit unions also offer discounted rates from that (at times) even a broker can’t beat.