Get a competitive interest rate up front. We’re all about keeping things simple, including Mortgages. So don’t stress over the numbers and calculations – we’ll walk you through it all. Whether you’re buying a new home or refinancing, we’re here to work with you and can get you to Mortgage freedom faster.


5 Year

Interest rate (Variable)


1.37% footnote *

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Key Features

Great rate
Get a great rate up front guaranteed for 120 days.
Dedicated support
Once you’ve applied, you get a dedicated Mortgage Account Manager to help you every step of the way.
Flexible prepayment options
Each year you can make lump sum prepayments up to 25% of your original Mortgage amount, and increase your regular Mortgage payments by up to 25% of your original Mortgage payment. You can do this on any payment date.
If you happen to move, you can take your Mortgage with you penalty-free at your current rate, term and loan amount.

Current interest rates

Annual interest calculated semi-annually not in advance.
Term Duration Term Type Term Interest Rate
5 Year Variable Mortgage
1 Year Fixed Mortgage
2 Year Fixed Mortgage
3 Year Fixed Mortgage
4 Year Fixed Mortgage
5 Year Fixed Mortgage
7 Year Fixed Mortgage
10 Year Fixed Mortgage

Secure your rate

A Mortgage Rate Hold is a great way to secure your rate for 120 days. If you are new to Tangerine, all you have to do to request a Mortgage Rate Hold is sign up as a Client and set up a PIN – there’s no need to complete a full application. If you’re an existing Client, proceed to Secure Your Rate.
If you choose one of our fixed rates, a Mortgage Rate Hold guarantees that you’ll get that rate, as long as you submit the Mortgage application and the Mortgage funds within 120 days from the date you requested the Mortgage Rate Hold.
If you choose the 5 year variable rate, you’re guaranteed the difference, or spread, between Tangerine Prime and the offered rate for the rate guarantee period. Keep in mind, Tangerine Prime can change at any time, but the spread would stay the same during the rate guarantee period.
Secure Your Rate Secure Your Rate
Get started with Tangerine Get started with Tangerine Get started with Tangerine

Get started with Tangerine

Here are the steps:
  • 1
    Apply online.
  • 2
    Once you’ve applied, you get a dedicated Mortgage Account Manager to help you every step of the way.
  • 3
    No need to stress over calculations – we’ll help make the numbers work for you.
Apply Now Apply Now

Don’t think this Account is for you? Take a look at our other options.

Home Equity Line of Credit
Learn More

Chequing Account
Learn More

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footnote asterisk As at June 17, 2021. The Annual Percentage Rate (A P R) is compounded semi-annually, not in advance. The A P R calculation is based on a Mortgage of $250,000 with a 25 year amortization and an appraisal fee of $250, which will be required to complete your lending application (actual appraisal fee may vary). A P R calculation on a variable rate is based on the posted rate but may change as Tangerine Prime changes. Rates are subject to change without notice.
All Mortgage and Home Equity Line of Credit applications are subject to meeting Tangerine Bank’s standard credit criteria, residential mortgage standards and maximum permitted loan amounts. Conditions may apply. Interest rates are provided for information purposes only and are subject to change at any time without notice. Variable interest rates will change as Tangerine Prime changes. The Home Equity Line of Credit interest rate is a variable rate per year equal to Tangerine Prime plus an adjustment factor and will change automatically when Tangerine Prime changes.