Current Rates
Today's Mortgage Rates
Indicative rates from our lending network. Contact me for your personalized rate — I often beat what banks advertise.
As low as
4.22%
3-Year Fixed
As low as
4.19%
5-Year Fixed
As low as
3.60%
5-Year Variable
Current
4.45%
Bank Prime Rate
Rates shown are indicative and subject to change. OAC. Contact Jagrut for your personalized rate.
Fixed vs. Variable
Fixed rates give you payment certainty for the length of your term. Variable rates fluctuate with the prime rate — they've historically saved borrowers money over time, but come with some uncertainty.
What affects your rate?
Your credit score, down payment, property type, amortization period, and income all affect the rate lenders offer. I'll present the full picture — not just the lowest advertised number.
Why rates vary by lender
Each lender has different risk appetites, funding costs, and promotions. That's why having access to 50+ lenders through a broker can get you a meaningfully better rate than going direct.
Get Your Personalized Rate
Advertised rates are just the starting point. Apply and let me find the best offer across 50+ lenders for your specific situation.
Apply for Your Rate