Lender Comparison

Best Mortgage Lenders in Canada 2026

Compare Canada's top mortgage lenders side by side. See current rates, key features, and which lender is best for your situation.

TD Bank

Big 5 Bank

4.2/5

TD MyAdvantage Rate discounts for existing TD customers and bundle products.

Best for: First-time buyers, loyalty discounts

Current rate range

4.49% – 5.89%

Big 5 Bank

4.3/5

RBC HomeProtector and Mortgage Protection Insurance available. Strong mobile banking.

Best for: High-ratio insured mortgages, newcomers

Current rate range

4.39% – 5.79%

Big 5 Bank

4.1/5

STEP combines a mortgage with a HELOC in one integrated product with readvanceable features.

Best for: Scotia Total Equity Plan (STEP) product

Current rate range

4.44% – 5.84%

Big 5 Bank

4/5

BMO Smart Fixed Mortgage offers competitive rates with flexible prepayment privileges.

Best for: Cash-back mortgages, Smart Fixed product

Current rate range

4.49% – 5.94%

Big 5 Bank

4.1/5

CIBC Home Power Plan readvanceable mortgage is one of the most flexible HELOC products in Canada.

Best for: Variable rate mortgages, HELOC products

Current rate range

4.44% – 5.89%

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