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Motive Financial

Motive Financial Mortgage Rates

Compare current Motive Financial mortgage rates in Canada

Digital banking with high rates and straightforward mortgages.

Best Motive Financial Rates

Lowest rates by product type

5-Year Fixed

Insured
4.99%

Insured

View Rate

5-Year Fixed

Uninsured
5.14%

Uninsured

View Rate

5-Year Variable

Insured
4.55%

Insured

View Rate

5-Year Variable

Uninsured
4.75%

Uninsured

View Rate

Rate Overview

Best rate for each term and product type

TermFixed InsuredFixed UninsuredVariable InsuredVariable Uninsured
1 year
6.09%Apply
2 years
5.79%Apply
3 years
5.04%Apply
4 years
5.14%Apply
5 years
4.99%Apply
5.14%Apply
4.55%Apply
4.75%Apply

Fixed Rate Mortgages

Lock in your rate for the term of your mortgage

1 year

1 option
Best Rate
Uninsured
6.09%

2 years

1 option
Best Rate
Uninsured
5.79%

3 years

1 option
Best Rate
Uninsured
5.04%

4 years

1 option
Best Rate
Uninsured
5.14%

5 years

2 options
Best Rate
Insured
4.99%
Uninsured
5.14%

Variable Rate Mortgages

Rates change with the prime rate

5 years

2 options
Best Rate
Insured
4.55%
Uninsured
4.75%
M

About Motive Financial

Motive Financial, a division of Canadian Western Bank, is a digital-only bank offering competitive mortgage rates and high-interest savings products. Motive's mortgage lineup includes fixed-rate and variable-rate options with transparent terms and no hidden fees. Their online platform makes it easy to apply, track your application, and manage payments. Motive is particularly appealing to self-directed borrowers who value simplicity and competitive pricing over branch-based service. With the financial backing of Canadian Western Bank, Motive delivers a secure, modern alternative to traditional mortgage lending.

Mortgage Specialties

Fixed-rate mortgagesVariable-rate mortgagesDigital mortgage applicationHigh-interest savingsSelf-directed banking

Unique Features

  • No hidden fees
  • Digital-only convenience
  • Backed by Canadian Western Bank
  • Transparent mortgage terms
  • Competitive digital rates

Popular Cities

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