u/Ok-Manner7836

Looking to compare current mortgage rates in Ontario / GTA for uninsured mortgages.

Currently being offered with RBC and Scotia:
• 5 year variable at Prime -0.95% (~3.50%)
• 3 year fixed around 3.8% (RBC only)

Incentives:

Scotia : None
Rbc : $3500 cash and 55,000 avion points ( need to bank with rbc for this)

Curious what others are getting recently from banks or brokers for uninsured deals specifically (20%+ down, conventional financing, refinances, etc.).

Would be helpful if you could share:
• Lender
• Fixed vs variable
• Term length
• Insured or uninsured
• Any cashback or incentives

Trying to see how competitive Prime -0.95 is in the current market. Thanks!