First-time buyer rates
Sample rates for Canadian first-time buyers — 5-year fixed, 3-year fixed, 5-year variable, insured and conventional. Book a call for a live quote.
No stored lender-sheet row is dated on or after 2026-09-07, so none are shown as current. Prime 4.45%. Updated 2026-09-07.
No current sheet coupon on file.
Sourced from LendCity’s Lender-Research sheets (rates inbox). A row is listed only when its sheet date is on or after 2026-09-07. Qualify at thestress-test rate(contract +2% or 5.25%). Book a call for a written quote.
| Product | Rate | Lender | Sheet |
|---|---|---|---|
| No lender-sheet coupon on file is dated on or after 2026-09-07. Older sheets are not listed as current rates. Book a call for a written quote. | |||
*APR illustrates sample annual percentage rate for comparison; actual APR depends on fees, premium, and amortization. Qualifying rate for stress test = max(contract +2%, 5.25%). Example: 4.19% contract → 6.19% qualifying. GDS capped at 39%, TDS at 44%. Confirm with your lender/broker before committing. See Complete Guide 2026 for worked examples.