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Trump Wins: What to Expect for Canadian Housing and Rates in 2025The average 5-year fixed insurable mortgage rate in Toronto is currently %, while nesto's lowest 5-year fixed mortgage rate is %. In Toronto, the five-year fixed rate has dropped from a peak of % as of May to about % as of October , according to RATESDOTCA inhouse data. The average five-year fixed mortgage rate dropped to % in August, down from % in July, easing the financial pressure for many prospective home buyers.
