🏦 BANK OF CANADA
Overnight Rate2.25%●
Prime Rate4.45%●
Bank Rate2.50%●
CAD/USD~0.72●
Inflation (as of Apr 2026)2.8%▲
Last DecisionJun 10, 2026●
Next AnnouncementJul 15, 2026●
GDP Growth (2026 fcst)1.2%▼
Overnight Rate2.25%●
Prime Rate4.45%●
Bank Rate2.50%●
CAD/USD~0.72●
Inflation (as of Apr 2026)2.8%▲
Last DecisionJun 10, 2026●
Next AnnouncementJul 15, 2026●
GDP Growth (2026 fcst)1.2%▼
🏦 Bank of Canada Rate
Current overnight rate: 2.25%. Next scheduled announcement: Jul 15, 2026.
Overnight Rate
2.25%
Prime Rate
4.45%
Next
Jul 15, 2026
Inflation
2.8%
🍁
Canada
Mortgage Rates
🍁 CANADA'S MOST COMPLETE MORTGAGE PLATFORM

Compare Mortgage Rates Across All of Canada

📍 Detecting your location...

20+
Lenders
10
Provinces
AI
Powered
Free
Always
Live
Rates
🍁

Canada's Most Complete Mortgage Platform

Free, AI-powered, and built for every province. Compare rates, calculate payments, discover programs, and connect with experts — all in one place.

🏦 20+ Lenders🌍 All 10 Provinces🤖 AI-Powered💰 Always Free
📢
Bank of Canada — Last Decision Jun 10, 2026
Overnight: 2.25% · Prime: 4.45% · Next announcement: Jul 15, 2026
🏦
20+
Lenders Compared
🍁
10
Provinces Covered
🧮
9
Calculators
📄
138
Pages Indexed
💰
Free
Always & Forever

🆕 What's New — July 2026

💳
Refinancing Calculator
Should I Refi? Penalty estimator, blend & extend, cash-out, HELOC comparison, and full 11-step guide.
🏡
Home Value Estimator
Request a free professional home evaluation. Connect with local appraisers and realtors.
💬
Renewal Negotiation Script
Word-for-word script to negotiate your renewal rate. Top lenders, timeline, and FAQ.
🛡️
Insurance Guide
Province cost comparison, how to save on premiums, mortgage vs home insurance explainer, riders guide.
📈
Rate History & Lender Guide
Full BoC rate timeline 2020–2026, economist forecasts, and 6 lender types compared.
📋
Pre-Approval Guide
Documents needed, 6-step timeline, what lenders look at, mistakes to avoid — printable PDF.
⭐ What Canadians Are Saying
Real experiences from homebuyers and renewers across Canada
Reviews are from real users and posted automatically.
🍁
Canada Mortgage Rates
CANADA'S MOST COMPLETE MORTGAGE PLATFORM
© 2026 Canada Mortgage Rates · Not a licensed mortgage broker · Rates for informational purposes only
Realtor.caCMHCBank of CanadaContact UsAboutFAQ