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Canadian Mortgage Basics - Mortgage 101Annual Averages: Posted Fixed Mortgage Rates at Canada's Major Banks ; , %, % ; , %, % ; , %, % ; , %. In August, the average five-year fixed mortgage rate fell to %, down from % in July, leading to a lower average mortgage stress test rate of %. BMO Prime Mortgage Rate is %. Special Rates. Bring out the calculator. Find some help estimating your mortgage payments, how much you can afford and more.
