MCAP

MCAP Mortgage Rates

Compare current MCAP mortgage rates in Canada

Canada's largest independent mortgage finance company.

Best MCAP Rates

Lowest rates by product type

5-Year Fixed

Insured

4.79%

Insured

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5-Year Fixed

Uninsured

4.94%

Uninsured

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5-Year Variable

Insured

4.05%

Insured

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5-Year Variable

Uninsured

4.25%

Uninsured

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Rate Overview

Best rate for each term and product type

Best Not offered

Term	Fixed Insured	Fixed Uninsured	Variable Insured	Variable Uninsured
1 year	—	5.79%Apply	—	—
2 years	—	5.34%Apply	—	—
3 years	—	4.94%Apply	—	—
4 years	—	5.04%Apply	—	—
5 years	4.79%Apply	4.94%Apply	4.05%Apply	4.25%Apply

Fixed Rate Mortgages

Lock in your rate for the term of your mortgage

1 year

1 option

Best Rate

Uninsured

5.79%

Get This Rate

2 years

1 option

Best Rate

Uninsured

5.34%

Get This Rate

3 years

1 option

Best Rate

Uninsured

4.94%

Get This Rate

4 years

1 option

Best Rate

Uninsured

5.04%

Get This Rate

5 years

2 options

Best Rate

Insured

4.79%

Get This Rate

Uninsured

4.94%

Get This Rate

Variable Rate Mortgages

Rates change with the prime rate

5 years

2 options

Best Rate

Insured

4.05%

Get This Rate

Uninsured

4.25%

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About MCAP

MCAP is Canada's largest independent Mortgage Finance Company, offering residential mortgage solutions through a vast network of mortgage brokers. MCAP provides competitive fixed and variable mortgage rates, flexible payment schedules, and a variety of terms to suit every borrower's goals. Their online mortgage calculator and property tax service simplify homeownership management. MCAP also offers specialized programs for self-employed borrowers, newcomers, and those with unique financing needs. With a reputation for competitive rates and responsive broker support, MCAP is a go-to lender for Canadians seeking alternatives to the big banks.