Latest Lending Rates

Mortgages and Financing Designed Around You

Contact us today to receive current rates and a complimentary in-depth quote and overview of current market conditions affecting your local mortgage market.

NOTE: Rates quoted are based on high ratio insured purchases or transfers. Rates are subject to change without notice.

Prime Rate


Variable Rate


Bank Rates



6.45 % 5 Year Variable 5.85 %
6.50 % 3 Year Variable 5.99 %
7.55 % 6 Month Closed 4.34 %
6.64 % 1 year closed 6.19 %
6.09 % 2 year closed 5.44 %
5.14 % 3 year closed 4.84 %
5.14 % 4 year closed 4.79 %
5.04 % 5 year closed 4.64 %
6.14 % 10 year closed 5.99 %
6.95 % Prime Rate - Rates as of July 6.95 %

*Subject to approved credit, income verification and meeting lending credit granting criteria. Applies to high-ratio insured residential purchase or transfer mortgages only and some conditions may apply. O.A.C., E.O.E All content is subject to change.

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Our Trusted Lenders

  • Alterna
  • ATB Financial
  • B2B Bank
  • Bridgewater
  • Canadiana
  • CMLS Financial
  • Equitable Trust
  • First Ontario
  • Home Trust
  • ICICI bank
  • Industrial Alliance
  • ING
  • Manulife Bank
  • MCAP
  • Merix
  • Meridian
  • Optimum
  • Prospera
  • RMG Mortgages
  • Scotiabank
  • Street Capital
  • TD Canada Trust
  • Valley First
  • Vancity
  • Wealthline
  • Westminster Savings
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Top Mortgage Broker in Guelph and surrounding areas since 1986. Paul Gazzola and the Guelph Mortgage Architects Team specialize in purchases, renewals, refinances, investment properties, first time home buyers, new to Canada, debt consolidation, those going through a separation or divorce, bruised credit repairs, second homes, vacation homes, construction mortgages and all other mortgage financing needs. This team has access to over 50 mortgage lenders and institutions, including the big banks, credit unions, trust companies and monoline lenders. At Paul Gazzola - Guelph Mortgage Architects, the best and lowest mortgage rate with a tailored product to your unique situation is always prioritized and explained so that clients can make a well-informed decision about their financing needs. #MortgageBrokerGuelph