Canadian Mortgage C a n a d i a n M o r t g a g e

Rental property mortgage rates in Canada (October 2026) run above owner-occupied pricing by a quote-dependent premium. Best advertised residential pricing starts from about 4.34% on a 5-year fixed (Ratehub, Sep 30, 2026); A-lender investment and B-lender rental pricing are quote-dependent premiums over that. CMHC MLI Select is LendCity™'s estimate of 4.87%–5.62% as of Sep 29, 2026 (5-yr CMB 3.82% + 1.05%–1.80%); MLI Standard is 5-yr CMB + lender spread, quote-dependent. Non-owner-occupied rentals need 20% down and must pass the stress test.