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Mortgage intelligence

Canada 5-Year Bond Yield

The 5-year Government of Canada benchmark bond yield is 3.46% (Nov 10, 2026). Lenders' funding costs for 5-year fixed mortgages track it closely.

Built on official Canadian sourcesUpdated 2026-11-12

5-year bond yield

3.46%

+0.11 pts since Nov 9, 2026

Nov 10, 2026 · Bank of Canada

5-year posted

6.19%

Nov 4, 2026 · Bank of Canada

Average new insured, 5 years+ fixed

4.12%

+0.07 pts since Jul 2026

Aug 2026 · Bank of Canada

Average new uninsured, 5 years+ fixed

4.58%

+0.09 pts since Jul 2026

Aug 2026 · Bank of Canada

Yields and fixed rates

The average new insured 5-year+ fixed rate is 0.66 percentage points above the yield.

5-year bond yield and 5-year fixed rates (month-end, %, since 2013). Source: Bank of Canada.

Sources

Informational only, not financial advice. Data as of the release snapshot generated 2026-11-12.