Trending Mortgage Options
Lowest Rates
Housing Market
Current Vancouver
Average Home Price
Volume
Loans Processed this Month
Flexibility Index
Sales and listings are roughly in line, creating a neutral, balanced market.
Market Share
Vancouver
MARKET
INSIGHTS
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Rate Forecast
The 8-month outlook shows 5-year fixed rates around 3.85%, with potential dips before returning to stabilize near this level.
Rate Movement
Two Bank of Canada rate cuts totaling 0.50% are anticipated in the next 12 months, likely providing relief for borrowers and supporting lower fixed-rate mortgages.
Housing Market
Greater Vancouver's average sale price was about $1.24 million in July 2025, roughly 3% lower than July 2024.
Forecasted Rate Cuts
Q3 2025
1 CUT
Projected
Q4 2025
1 CUT
Projected
Q1 2026
0 CUT
Projected
Q2 2026
0 CUT
Projected
Next BOC rate cut expected in Q3 2025, with a current market probability of over 70%. Only rate cuts with a likelihood of 70% or higher are displayed.
Fixed Rates
Easing bond yields are nudging fixed mortgage rates down.
Variable Rates
Prime discounts continue to widen, signaling relief for variable-rate borrowers.
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VancouverMORTGAGE RATES

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Vancouver's Best 5-Year Fixed Mortgage Rates
Those who want predictable payments and peace of mind
A 5-year fixed mortgage gives you stability. Your payments stay the same for five years, no matter how interest rates move. That makes budgeting easier, especially in a high-cost city like Vancouver. This might be your best option if you want to lock in your payments and not worry about rate changes.
We've analyzed thousands of mortgage rates from over 97 lenders across Vancouver and BC. That includes big banks, credit unions, and digital lenders. Our goal? To bring you the most competitive 5-year fixed options available today.
Vancouver's Best 3-Year Fixed Mortgage Rates
Those who want stability now but flexibility later
A 3-year fixed mortgage is a middle ground. Your payments stay steady, but only for three years. That's helpful if you're unsure how long you'll stay or think rates might drop soon. A 3-year fixed term gives you both security and flexibility.
In our experience, many buyers like these mortgages because of their short-term predictability and long-term wiggle room.
Vancouver's Top Variable Rate Mortgages
Those with a more flexible budget
Variable-rate mortgages follow the prime rate, the interest rate banks charge their most creditworthy customers. This means your payment could go up or down depending on the market.
This option can save you money if you have room in your budget and are willing to accept unpredictability. It's often cheaper than fixed rates in the long run. We think it's a wise choice if you're focused on long-term savings and can handle a few bumps along the way.