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

Rental property mortgage rates in Canada (November 2026) run above owner-occupied pricing by a quote-dependent premium. Best advertised residential pricing starts from about 4.44% on a 5-year fixed (Ratehub, Oct 31, 2026); A-lender investment and B-lender rental pricing are quote-dependent premiums over that. CMHC MLI Select is LendCity™'s estimate of 4.53%–5.28% as of Nov 9, 2026 (5-yr CMB 3.48% + 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.