Market benchmark · manual snapshot
Compare DLC's rates with its bank benchmarks.
Dominion Lending Centres' published rates beside the “Bank Rates” shown on its website. These are third-party benchmarks, not Empower Approved offers, and not a personalized renewal or refinance quote.
Checked by hand:
DLC does not state a rate publication date; this date records our source check. Not updated automatically.
DLC variable rate3.70%
DLC prime rate4.45%
DLC does not specify a term for the displayed variable rate. Prime is a reference rate, not a mortgage offer.
| Fixed term | Bank ratesas listed by DLC | DLC benchmark | Gap |
|---|---|---|---|
| 6-monthFixed | 7.89% | 4.59% | 3.30 pts lower |
| 1-yearFixed | 6.15% | 4.59% | 1.56 pts lower |
| 2-yearFixed | 5.44% | 4.39% | 1.05 pts lower |
| 3-yearFixed | 4.62% | 4.34% | 0.28 pts lower |
| 4-yearFixed | 6.01% | 4.39% | 1.62 pts lower |
| 5-yearFixed | 4.56% | 4.39% | 0.17 pts lower |
| 7-yearFixed | 6.41% | 4.59% | 1.82 pts lower |
| 10-yearFixed | 6.81% | 4.59% | 2.22 pts lower |
Gap = DLC's listed bank rate minus its published mortgage rate, in percentage points. DLC does not identify the banks or calculation method behind its “Bank Rates” column; this is not an independently verified big-bank average. Rates may be high-ratio and/or quick-close, vary by province and change without notice. Approval, eligibility, prepayment, portability and penalties vary. Advertised rates are not guaranteed. No dollar savings are implied.
Rate benchmarks
Rates, with their sources and dates in plain view.
These are published benchmarks we track, not offers. Our job is to find the lowest suitable rate among the lenders you qualify with, which may be higher or lower than these figures.
30-day history
Recorded benchmark values, by day.
| Date checked | 5-year fixed (insured) | 5-year variable | BoC overnight |
|---|---|---|---|
| 4.34% | 3.40% | Not recorded | |
| 4.34% | 3.40% | Not recorded | |
| 4.34% | 3.40% | Not recorded |
Reading these figures
Ratehub.ca figures reflect its default high-ratio purchase comparison, not a personalized renewal or refinance quote. Some rates are exclusive to Ratehub.ca and may not be available through us. Follow the source link for current rates and eligibility. Dates below show when we checked the source.
Insured rates usually apply when the mortgage has default insurance, generally with less than 20% down. Most renewals and switches are priced as uninsured unless the original insurance carries over.
B and private lenders price differently and aren't represented here. Your rate depends on credit, income, property and equity.
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