Special mortgage rates 

2-year fixed 5.89% 5.89%
3-year fixed 5.74% 5.74%
4-year fixed 5.59% 5.59%
5-year fixed 5.49% 5.49%
5-year variable 6.55% 6.55%

Rates subject to change without notice.

Annual Percentage Rate (APR) means the cost of borrowing for a loan expressed as an interest rate. It includes all interest and non-interest charges associated with the mortgage. If there are no non-interest charges, the annual interest rate and APR will be the same.

Learn about prepayment charges

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High-ratio mortgages

If your down payment is less than 20% of the property value, your mortgage is high-ratio and you need to buy mortgage default insurance.

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Fixed-rate mortgages

Pay the same interest rate throughout the entire term.

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Variable-rate mortgages

Your payments change as prime rates go up and down. 

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Convertible mortgages

A short term that lets you convert to a long-term fixed rate at any time.

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Discontinued mortgage products

These mortgages are no longer offered by Simplii.

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