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Lowest fixed and variable mortgage rates in Canada for December 21 2023

Fixed mortgage rates have significantly decreased, with the top nationally advertised uninsured five-year rate dropping to 5.59%. Lower rates are available from regional providers and for loans over $800,000. The gap between fixed and variable rates has increased, making fixed rates more attractive. The bond market suggests rates may drop further in the coming years. Insured mortgage rates are also available, such as a 3.99% six-month fixed rate from True North Mortgage.

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