Mortgage Rates

Rates effective as of May 16, 2026 12:01 AM ET

Strive Prime Rate: 4.45% As of Wed, May 20, 2026

5 Year

LTVStandard FixedStandard ARM
Insured
Purchase, Transfer
Up to 95%4.49P-0.75
Insurable
Purchase, Transfer
Up to 65%4.49P-0.75
65.01-70%4.64P-0.55
70.01-75%4.64P-0.45
75.01-80%4.69P-0.45
Uninsurable
Purchase, Refinance, Transfer
Up to 80%4.84P-0.35

Other Terms

LTV1 Year2 Year3 Year4 Year
Insured
Purchase, Transfer
Up to 95%4.944.644.494.49
Insurable
Purchase, Transfer
Up to 65%5.344.644.544.49
65.01-70%5.344.994.744.74
70.01-75%5.344.994.844.79
75.01-80%5.344.994.844.79
Uninsurable
Purchase, Refinance, Transfer
Up to 80%4.84

Please note that all rates are subject to change without notice.
Premiums may apply in certain circumstances. Rates exclude conversions.

LTV Standard Fixed Standard ARM
Insured Purchase / Transfer Up to 95% 2.09 PP-110
Insurable Purchase / Transfer Up to 65% 2.09 P-110
65.01 – 70% 2.14 P-105
70.01 – 75% 2.29 P-95
75.01 – 80% 2.34 P-80
Commission 115 115

Notes:

  • Ontario only
  • Unlimited Buy downs, ratio is 5bps of rate for 20bps of commission
  • Float downs available upon request
  • Add 10bps for Pre-approvals
LTV 1 Year 2 Year 3 Year 4 Year
Insured Purchase / Transfer Up to 95% 1.84 1.89 1.89 1.99
Insurable Purchase / Transfer Up to 65% 2.39 2.39 2.39 2.39
65.01– 70% 2.39 2.39 2.39 2.39
70.01 – 75% 2.39 2.39 2.39 2.39
75.01 – 80% 2.39 2.39 2.39 2.39
Commission 70 70 85 85
Adjustable Rate Mortgages
5 Year
Insured Prime – 1.00% for the entire term
Insurable up to 65% LTV Prime – 1.00% for the entire term
Insurable > 65% – 70% LTV Prime – 1.00% for the entire term
Insurable > 70% – 75% LTV Prime – 1.00% for the entire term
Insurable > 75% – 80% LTV Prime – 1.00% for the entire term
Conventional Prime – 1.00% for the entire term
Open Term Mortgage
6 Month Fixed Term 7.30%