Mortgage Rates Comparison: February 22, 2026

Bank 3-Year Fixed 5-Year Fixed 5-Year Variable
RBC 4.39% 4.59% 3.95%
BMO 4.39% 4.64% 4.15%
TD 4.49% 4.64% 4.29%
CIBC 4.39% 4.19% 3.95%

Important Notes

  • RBC: Special High-Ratio 5yr at 4.29%; Prime at 4.45%
  • BMO: Up to $4,100 cash back (switch offer valid to Feb 27)
  • TD: Special 3yr rate discount; TD Mortgage Prime is 4.60%
  • CIBC: Competitive 5yr fixed (insured); Prime at 4.45%

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