RFA Mortgage Corporation 10-year fixed mortgage rate.
Today’s best 10-year fixed in our network is 5.29%. We access RFA Mortgage Corporation’s broker-channel pricing — typically 15-30 bps below posted — and compare it across 100+ lenders.
The network’s best 10-year fixed rate today is approximately 5.29% through the broker channel — about $3,350/month on a $700,000 home with 20% down over 25 years. A 10-year fixed is the longest lock in Canada — a decade of payment certainty for the truly rate-averse. RFA Mortgage Corporation prices through brokers only, so this sheet is the one that exists — we compare it against the rest of the network.
The 10-year fixed with RFA Mortgage Corporation
RFA Mortgage Corporation on this term. RFA Mortgage Corporation isn't currently posting a broker-channel 10-year fixed on our rate board, so the rate above is the best 10-year fixed across our 100+ lenders — not RFA Mortgage Corporation's own. For this term we shop your file across the full shelf, RFA Mortgage Corporation included, and bring back the sharpest fit.
Who it suits. Borrowers who want to eliminate renewal and rate risk for ten years and are willing to pay for it — typically people in a forever home, on a fixed income, or who simply value certainty over saving a few basis points.
What drives the rate. Priced off the 10-year bond, it carries the highest premium of any term because the lender holds the rate longest. It only makes mathematical sense when long rates are unusually low relative to shorter terms.
Breaking it early. A key Canadian protection applies: after five years, federal law limits the prepayment penalty to three months' interest — so a 10-year fixed becomes far cheaper to break once you pass year five.
How RFA Mortgage Corporation prices the broker channel
Strong broker-channel monoline with competitive insured + insurable rates. RFA Capital (the parent) also runs alt-A and private-debt arms, giving them a multi-tier product set under one corporate umbrella.
RFA Mortgage Corporation has a single 10-year fixed rate sheet and it is wholesale — published to licensed brokers, with no retail counterpart, because origination is the broker’s job rather than a branch network’s. That is why their pricing is often sharp: the cost the Big-6 carry in branches is not in it. On a $700,000 mortgage, 20 bps is roughly $1,400 a year, which is the size of the gap worth shopping for.
- Prime A-lender pricing
- Specialty BFS + alt-A access
- RFA Capital private debt
- Investor-friendly underwriting
A worked example
On a $700,000 home with 20% down, the mortgage is $560,000. At the network’s best 10-year fixed rate of 5.29% over a 25-year amortization, the payment is about $3,350/month. RFA Mortgage Corporation does not lend direct to the public, so this rate only exists through a licensed brokerage — and on the same application we price it against the rest of the network rather than taking it on its own. Model your numbers in the payment calculator.
Whatever your situation with RFA Mortgage Corporation
We submit to RFA Mortgage Corporation's broker desk and 100+ other lenders on one application — whichever prices your file lowest wins.
First-time buyers
5% down with FHSA + RRSP HBP optimization — RFA Mortgage Corporation or whichever lender prices you lowest.
Refinancing
Unlock equity for renovations, debt consolidation or investing.
Renewing
Don't auto-renew with RFA Mortgage Corporation — most clients beat the first offer by 30-60 bps.
Self-employed
Business-for-self files priced right across A-lender, alt-A and private.
Bruised credit
B-lender and private paths now, with a mapped exit back to A-pricing.
Breaking an RFA mortgage
Estimate the IRD or three-months-interest penalty before you switch out of RFA Mortgage Corporation.
6 reasons to get RFA Mortgage Corporation's 10-year fixed through a broker
RFA Mortgage Corporation lends through brokers only — here is what that changes about getting their best 10-year fixed.
Access the broker channel
RFA Mortgage Corporation funds exclusively through the broker channel — there is no branch or website that will sell you this 10-year fixed directly, so a licensed brokerage is the only route to it.
RFA Mortgage Corporation and 100+ others compete
We submit your file to RFA Mortgage Corporation's broker desk and the rest of the network on one application, so you get RFA Mortgage Corporation's best and the market's best side by side.
No bureau pull to start
We can shop your RFA 10-year fixed rate without a hard credit check, so comparing costs you nothing.
We handle the paperwork
From application to RFA Mortgage Corporation's underwriting to funding, we manage the file end-to-end.
Switch or renew without overpaying
At maturity we benchmark RFA Mortgage Corporation's renewal/switch offer against the whole market so you never auto-renew high.
Best-rate guarantee
We'll beat any comparable Big-6 10-year fixed offer or pay you $500 — keep it, or we'll donate it to your favourite charity — and our advice is free, paid by the funding lender.
Why shop RFA Mortgage Corporation through us
- Direct access to RFA Mortgage Corporation's broker desk — plus 100+ other lenders on one application.
- Broker-channel pricing 15-30 bps below RFA Mortgage Corporation's posted rate.
- One application, every lender — RFA Mortgage Corporation's best and the market's best, then you choose.
- FSRA-licensed advice, no bureau pull to start, best-rate guarantee or $500 (you or your charity).