Lowest Residential Mortgage Rates in Canada*
| Term | OUR RATE | |
| 3 Year Fixed/ 25 yrs Insurable | 4.11%Promo | |
| 5 Year Fixed/ 25 yrs insurable | 4.50% Promo | |
| 5 Year Variable/ 25 yrs insurable | 3.65% Promo | |
| 5 Year Fixed/ 30 yrs un-insurable | from 4.19% Promo | |
| 5 Year Variable/30 yrs un-insurable | from 3.60% Promo | |
| 3 Year Fixed/30 yrs un-insurable | from 3.99% Promo | |
| **NEW RENTAL 5 Year Fixed /30yrs un-insurable | from 4.29% Promo |
Updated: Aug 28,2026
* Promotional rates are subject to change or withdrawal at any time without notice, at the sole discretion of the lender. An additional discount of up to 0.05% may be available through current promotional offers, subject to specific terms and conditions. Rates may vary by region and may not reflect those available in your area. For the most accurate and up-to-date information—including eligibility for promotional offers—please contact our MCI office directly.
LOWEST REGULAR RATES IN CANADA*
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Lowest Residential Mortgage Rates in Canada*
| Term | OUR RATE | |
| 3 Year Fixed/ 25 yrs Insurable | 4.11%Promo | |
| 5 Year Fixed/ 25 yrs insurable | 4.50% Promo | |
| 5 Year Variable/ 25 yrs insurable | 3.65% Promo | |
| 5 Year Fixed/ 30 yrs un-insurable | from 4.19% Promo | |
| 5 Year Variable/30 yrs un-insurable | from 3.60% Promo | |
| 3 Year Fixed/30 yrs un-insurable | from 3.99% Promo | |
| **NEW RENTAL 5 Year Fixed /30yrs un-insurable | from 4.29% Promo |
Updated: Aug 28,2026
* Promotional rates are subject to change or withdrawal at any time without notice, at the sole discretion of the lender. An additional discount of up to 0.05% may be available through current promotional offers, subject to specific terms and conditions. Rates may vary by region and may not reflect those available in your area. For the most accurate and up-to-date information—including eligibility for promotional offers—please contact our MCI office directly.
LOWEST REGULAR RATES IN CANADA*
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Property Types We Know Best – Residential & Commercial Mortgages
Find a Residential or Commercial Mortgage Today
MORTGAGE CAPITAL INVESTMENT (MCI) offers full mortgage broker services to help you find the most competitive financing for your next investment. We are experts in all property types, ranging from houses and cottages, medical offices, retail buildings to hotels and custom builds. We work with almost all major banks, credit unions, trust companies, as well as a large variety of private lenders. With an extensive lender network, we can find the most competitive rates, the best terms, and an amortization structure that works for you.
Explore our residential and commercial mortgage services and contact us today.
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SERVICES
Residential Home Mortgages
Our MCI mortgage brokers want to be your trusted source for professional mortgage advice, providing help and guidance...
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Partners & Lenders
Partners & Lenders Mortgages Mortgage Capital Investment (MCI) offers you one of the simplest and quickest ways to...
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Debt Consolidation
Businesses with unsecured debt carry unnecessary risk. Loans and credit card balances should be kept to a minimum....
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Commercial Investment Properties
If you’re seeking security for retirement, income for a college fund, or simply a form of primary or...
Read More >> Commercial Mortgage Rates
Commercial Mortgage Rates in Canada: A Complete Guide What Are Commercial Mortgage Rates? Commercial mortgage rates determine...
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Commercial Mortgage Business Plans
A detailed business plan is a key requirement for your commercial mortgage application. Your plan will outline what...
Read More >>Recent Residential Mortgage Projects
REFINANCE ON SECOND HOME PURCHASE, KITCHENER, ON
FIRST-TIME HOME BUYER PURCHASE, STOUFFVILLE, ON
REFINANCE ON SECOND HOME PURCHASE, MISSISSAUGA, ON
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LARGE FACTORY PLANT ,OAKVILLE ,ON
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STORAGE FACILITY ,BANCROFT, ON
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FACTORY PLANT,OAKVILLE,ON
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MEDIUM-SIZED PLAZA, MISSISSAUGA, ON
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SMALL BUSINESS REFINANCE, SUNDERLAND, ON
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FACTORY PLANT, MARKHAM, ON
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RETAIL PLAZA, MISSISSAUGA, ON
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RETAIL PLAZA, ETOBICOKE, ON
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COURTYARD MARRIOTT BURLINGTON ON
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Variety of Institutional Options
Many buyers look for private lenders for their mortgages. MCI offers these and a variety of institutional options.
Depth Knowledge of Market and Lenders
MCI has an in-depth knowledge of the Ontario market and available lenders, with experience in sourcing the best commercial mortgage rates available.
Competitive Bank Rates
MCI can source competitive bank rates and bond yield rates to provide you with the best rates on the market.
LATEST BLOGS
Commercial Mortgage Canada: Everything You Need to Know
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Mortgage Renewal in Canada Written by Radu Arvatescu July 29/2026If your mortgage term is coming to an end, you have a decision to make — and the choices you make in the months before your maturity date can save you thousands of dollars....
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What Is a HELOC? Everything You Need to Know in...
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