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St. Paul Mortgage Rates

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GET THE BEST MORTGAGE RATES IN ST. PAUL.

We understand that shopping for the best mortgage rate can be a daunting task, as mortgage interest rates vary depending on a number of factors, including the type of mortgage, the lender, your credit score, and down payment amount.

It's our job to help you secure the best possible mortgage rate in St. Paul. That's why we've invested in innovative mortgage technology that empowers us to find the best St. Paul mortgage rates from over 40 of Canada's top lenders. 

Best Mortgage Rate in St. Paul

We Negotiate With These Lenders To Get Your Best Mortgage Rates in St. Paul

  • ATB Financial
  • Alta West Capital
  • AP Capital
  • B2B Bank
  • Bridgewater
  • CMLS Financial
  • Equitable Trust
  • Gentai Capital Corporation
  • First National
  • Fisgard
  • HavenTree
  • Home Equity Bank
  • Home Trust
  • ICICI bank
  • Lendwise
  • Manulife Bank
  • Marathon Mortgage
  • MCAP
  • Merix
  • Optimum
  • RMG Mortgages
  • Scotiabank
  • Street Capital
  • TD Canada Trust
  • XCEED
  • strive
  • radius

With our 120-day rate hold guarantee, you can lock in your best St. Paul mortgage rate and protect yourself from market fluctuations while you complete your home purchase.


Get Your 120-Day Rate Guarantee

Current St. Paul Mortgage Rates

Prime Rate

7.20%

Variable Rate

5.95%

Bank Rates

Term

OUR RATES

8.04 % 1 Year 6.60 %
7.64 % 2 Year 6.29 %
7.24 % 3 Year 5.74 %
7.04 % 4 Year 5.54 %
7.09 % 5 Year 5.39 %
7.10 % 7 Year 6.34 %
7.89 % 10 Year 6.29 %

Current Mortgage Rates - HelloMortgage.ca | Current insured mortgage rates subject to change. Current conventional and refinance rates may be higher. OAC. E&OE.

What's Next?

Get in Touch

Purchasing, renewing or refinancing? Call for a free quote!

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Apply Now

Get pre-approved to shop with confidence.

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Mortgage Calculators

Crunch the numbers and explore your mortgage options!

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Did You Know?

As expert St. Paul mortgage brokers, we know it's about more than getting the best mortgage rate in St. Paul.
In addition to having a lower monthly payment and paying less interest, getting your best St. Paul mortgage rate helps with the mortgage stress test.

The Canadian mortgage stress test helps ensure borrowers can afford their mortgage payments even if interest rates rise in the future. It requires lenders to assess a borrower's ability to make their mortgage payments at a higher interest rate than what they are currently being offered.

The current stress test rate (mortgage qualifying rate) is 5.25% or 2% plus your mortgage rate, whichever is greater.

Getting the best St. Paul mortgage rate can make a significant difference in your ability to stress test your finances and increase your maximum purchase price. Because we negotiate with over 40 of Canada's top lenders, we can typically get a lower rate than your bank. Additionally, with a lower rate, you can qualify for a higher maximum purchase price, giving you more flexibility and options when it comes to finding your dream home.

Don't let your bank hold you back from getting the home you deserve. Contact us today to discover what's possible with a broker by your side.