5-year variable mortgage rates in Canada
Every 5-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 5-year variable rate here is 4.35% from National Bank of Canada.
| Lender | Rate | Conditions | Last material update | Source |
|---|---|---|---|---|
| National Bank of Canada | 4.35%APR 4.39% | Promotional variable closed rate.≤ 25-year amortization | View official page ↗ for National Bank of Canada 5 years Variable | |
| TD | 4.49%posted | Special offer rate.≤ 25-year amortizationUninsured | View official page ↗ for TD 5 years Variable | |
| TD | 5.25%posted | Special offer rate.≤ 25-year amortizationInsured | View official page ↗ for TD 5 years Variable | |
| TD | 8%posted | Special offer rate.≤ 25-year amortizationInsured | View official page ↗ for TD 5 years Variable | |
| TD | 8%posted | Special offer rate.≤ 25-year amortizationUninsured | View official page ↗ for TD 5 years Variable |
- National Bank of CanadaVariable5 yearsClosed≤ 25-year amortization
4.35%
APR 4.39%
Promotional variable closed rate.
Updated
View official page ↗ - TDVariable5 yearsClosedUninsured≤ 25-year amortization
4.49%
posted
4.85%APR 4.511%
Special offer rate.
Updated
View official page ↗ - TDVariable5 yearsClosedInsured≤ 25-year amortization
5.25%
posted
4.85%APR 5.271%
Special offer rate.
Updated
View official page ↗ - TDVariable5 yearsOpenInsured≤ 25-year amortization
8%
posted
4.85%APR 8.021%
Special offer rate.
Updated
View official page ↗ - TDVariable5 yearsOpenUninsured≤ 25-year amortization
8%
posted
4.85%APR 8.021%
Special offer rate.
Updated
View official page ↗
Rates on this page were last published 11 Nov 2026, 19:11 UTC.