Current rates, with the full context.

These are the strongest Ontario offers found in Sebastian’s latest lender communications—not anonymous internet teasers. Every rate shows the lender, term, APR context, and key eligibility conditions.

4.45% Prime5.25% BenchmarkContract + 2% Stress test

3-year insured purchaseBest found

3.99%

3.99% APR¹

3-year fixed

Offered by TMG lender network

Default-insured owner-occupied purchase
25-year amortization used for the published network comparison
Regional promotions and file-specific pricing may differ
Lender and mortgage-insurer approval are required

TMG Deal Centre National Rates, received August 18, 2026Ontario insured purchase with 25-year amortization; lender confirmation required

¹APR equals the stated interest rate where no non-interest borrowing charges apply. Required product or transaction charges, if any, may increase the APR and will be disclosed before commitment.

2-year insured purchaseBest found

4.14%

4.14% APR¹

2-year fixed

Offered by TMG lender network

Default-insured owner-occupied purchase
25-year amortization used for the published network comparison
Regional promotions and file-specific pricing may differ
Lender and mortgage-insurer approval are required

TMG Deal Centre National Rates, received August 18, 2026Ontario insured purchase with 25-year amortization; lender confirmation required

¹APR equals the stated interest rate where no non-interest borrowing charges apply. Required product or transaction charges, if any, may increase the APR and will be disclosed before commitment.

5-year insured purchaseBest found

4.24%

4.24% APR¹

5-year fixed

Offered by TMG lender network

Default-insured owner-occupied purchase
25-year amortization used for the published network comparison
Regional promotions and file-specific pricing may differ
Lender and mortgage-insurer approval are required

TMG Deal Centre National Rates, received August 18, 2026Ontario insured purchase with 25-year amortization; lender confirmation required

¹APR equals the stated interest rate where no non-interest borrowing charges apply. Required product or transaction charges, if any, may increase the APR and will be disclosed before commitment.

How the page is maintained

Fresh offers. Named lenders. No hidden assumptions.

Each week, Sebastian’s lender communications are reviewed for lower Ontario-eligible pricing. An offer is published only when its lender, effective timing, term, and material conditions can be verified.

“Best” means the strongest verifiable offer found for the stated category. Where lender fees materially change the cost, the representative APR—not the teaser rate alone—guides the comparison. It does not mean every borrower or property will qualify.

Also worth comparing

More current options.

Fixed and variable structures can behave very differently. Private first and second mortgages also carry different fees and risks.

Ontario insured variable

Prime − 0.86%

3.59% current rate

5-year variable · 3.59% APR²

Offered by TMG lender network

Illustrative current rate uses the 4.45% prime rate reported in the latest TMG sheet. Payment and interest cost may change with prime; lender and insurer conditions apply.

TMG Deal Centre National Rates, received August 18, 2026²APR equals the current variable rate where no non-interest borrowing charges apply. The rate and payment may change with prime.

Qualification benchmark

5.25%

or contract rate + 2%

Stress test · Qualification reference

Offered by TMG lender network

The qualifying rate is generally the greater of the benchmark and the contract rate plus 2%, subject to applicable lender, insurer, and regulatory requirements.

TMG Deal Centre National Rates, received August 18, 2026This is a qualification reference, not an offered mortgage rate or APR.

Important rate disclosure

A posted rate is a starting point—not an approval.

Rates are subject to change without notice and are available only on approved credit and qualifying properties. Loan-to-value, mortgage purpose, occupancy, location, credit, income, closing date, amortization, insurer rules, and lender policies may affect eligibility and pricing.

APR examples are representative and are provided to make borrowing costs clearer. Your actual APR and total cost of borrowing will be calculated from the specific mortgage amount, term, interest, lender fee, brokerage fee, legal costs, appraisal costs, and other applicable charges before you commit.

Sebastian Skibinski, Mortgage Agent Level 1 · Licence #M25003054. Sponsoring brokerage: TMG — The Mortgage Group, operating as Miracle Financial · FSRA Brokerage #13766.

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