u/BrilliantKitchen693

TD gave 4.79 (applied 4 weeks ago) for 5 year fixed (uninsured)

RBC broker is saying the rate is between 4.55-60 . How you guys are getting 3.8-4.0 for 5 year fixed( some mentioned RBC) .

Location Alberta, closing in 40 days.

Edit 1: 590k borrowing amount, credit Score: person 1-845 and person-2 815

Edit 2: Primary residence (No rental) , 20% downpayment