Canadian Mortgage Lender Features - Fall 2026

The fine print, side by side.

Rates get the headlines, but the features in a mortgage decide what it costs when your plans change: paying it off faster, moving, or breaking it early. This report compares those features at 11 Canadian lenders in one place, so you know what to ask before you sign.

Lenders covered: RBC Royal Bank, TD Canada Trust, Scotiabank, BMO, CIBC, National Bank, Desjardins, Tangerine, Manulife Bank, First National and MCAP.

What’s inside (21 pages):

• All 11 lenders side by side on two facing pages, across 13 comparable features.

• One page per lender with its strengths, what to watch out for and what to ask.

• What breaking a fixed rate could cost: the same mortgage under both penalty methods, and which lenders use which.

• Who stands out for paying it off faster, leaving early, moving and more.

• Plain-language explanations of every feature, a glossary, and a question checklist to take to your meeting.

How it’s made: all information is referenced from lender websites and other online sources, and every lender page lists its sources. Values from other sources are marked so you know to confirm them, and nothing is guessed. No lender pays for, reviews or approves the report.

Fall 2026 edition, terms checked November 2, 2026. PDF, delivered by email right after purchase.