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Big Bank Mortgage Rates, Compared
Each lender page puts three numbers side by side: the bank's posted rate, the special it advertises, and what borrowers on the board say that bank actually offered them. The gap between those numbers is where a negotiation, or a broker, earns its keep.
This site is independent of every bank listed. Bank names are used only to identify whose rates are shown.
Lender Pages
RBC Mortgage Rates Published On October 29, 2026
RBC's posted and special mortgage rates on October 29, 2026, with board rows from actual borrowers and how to check an RBC renewal offer.
TD Mortgage Rates After The October 28 Hike
TD's advertised 5-year fixed sat near 5.39% on October 28, the highest of the big five banks, while a reported TD renewal offer came in at 4.89%.
CIBC Mortgage Rates After The October Hike
CIBC's advertised 5-year fixed sat near 4.84% around October 28, 2026, and prime moved to 4.70% on October 29.
Scotiabank Mortgage Rates
Scotiabank posted fixed rates effective October 29, 2026 beside the advertised 5-year special near 4.90% and what borrowers actually report.
BMO Mortgage Rates After The October Hike
BMO mortgage rates after the October 28, 2026 hike: advertised 5-year fixed near 4.84%, prime at 4.70%, plus board rows and a renewal letter read line by line.