Featured rates
In a hurry? Here you will quickly find our current rate specials and most popular Manulife One and Manulife Bank Select rates. For a complete list of rates and compensation, view our current rates [login required].
Interest rates as at September 18, 2026
Interest rate versus interest cost
We advocate that the lowest rate does not always mean the lowest interest cost paid. By using Manulife One to build a flexible mortgage that's tailored to your clients' changing needs, they could save thousands in interest and be debt-free sooner. To assist you in these conversations, visit our marketing section. Check out this sample video we've developed to explain interest costs further.
Most popular terms and rates*
| Manulife One | Base rate | 5 year | 3 year |
|---|---|---|---|
| Preferred1 | 4.95% | 4.79% | 4.64% |
| Standard Uninsurable (Tailored Debt) | 4.95% | 4.84% | 4.69% |
| Manulife Bank Select | 3 year fixed | 5 year fixed | 5 year variable |
|---|---|---|---|
| Select Insured Purchases >80% | 4.54% | 4.59% | P-0.60% |
| Select Insured Lending Switch | 4.54% | 4.59% | P-0.60% |
| Select Conventional Insurable <65% | 4.69% | 4.79% | P-0.40% |
| Manulife Bank Prime Rate | 4.45% |