3-year variable mortgage rates in Canada
Every 3-year variable rate below was collected from the lender's own public rate page. These are advertised rates, not personalised quotes, and eligibility depends on the lender.
The lowest advertised 3-year variable rate here is 4.7% from Scotiabank.
| Lender | Rate | Conditions | Last material update | Source |
|---|---|---|---|---|
| Scotiabank | 4.7% | Posted rate for the Scotia Ultimate Variable Rate Mortgage. | View official page ↗ for Scotiabank 3 years Variable |
- ScotiabankVariable3 yearsClosed
4.7%
Posted rate for the Scotia Ultimate Variable Rate Mortgage.
Updated
View official page ↗
Rates on this page were last published 11 Nov 2026, 19:11 UTC.