RFA Mortgage Corporation · 3-Year FixedRFA Mortgage Corporation 3-year fixed mortgage, compared.
RFA Mortgage Corporation isn’t posting a broker-channel 3-year fixed on our rate board today — the best 3-year fixed across our network is 3.99%. RFA Mortgage Corporation prices through brokers only. We compare its sheet against 100+ lenders.
How does RFA Mortgage Corporation’s 3-year fixed compare?
RFA Mortgage Corporation isn't currently posting a broker-channel 3-year fixed on our rate board, so the rate above is the best 3-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.
The trade-off, and what drives the rate
The trade-off. You give up two years of locked certainty to keep the option of renewing into a lower rate sooner.
What drives the rate. The 3-year fixed follows the 3-year Government of Canada bond. When markets price in rate cuts, the 3-year often sits below the 5-year fixed, letting you lock a payment now and re-shop sooner, closer to the bottom of the cycle.
What would my payment be with RFA Mortgage Corporation?
About $2,943/month. On a $700,000 home with 20% down, the mortgage is $560,000. That’s at the network’s best 3-year fixed rate of 3.99% over a 25-year amortization. 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.
What a 3-year fixed with RFA Mortgage Corporation means in practice
RFA Mortgage Corporation is a broker-channel monoline that lends through brokers only. That matters on a 3-year fixed because the Big-6 price a fixed-rate break with posted-rate IRD, while lenders off the bank shelf more often use fair, contract-rate IRD — typically far cheaper for the same break. On a shorter fixed term the gap narrows, because the IRD window is smaller. RFA Mortgage Corporation's commitment and written payout statement are the binding word on its method.
More on RFA Mortgage Corporation's 3-year fixed: penalties, privileges and programs
Against the Big-6. For contrast, all six Big-6 banks price a fixed break with posted-rate IRD, against representative 5-year posted rates of 6.79%-6.84%. Their prepayment room: TD and National Bank (15% lump sum plus double-up), RBC and CIBC (10% lump sum plus double-up), Scotiabank (15/15), BMO (20/20).
How does RFA Mortgage Corporation price 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's rate sheets and strengths
RFA Mortgage Corporation has a single 3-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
Why get RFA Mortgage Corporation’s 3-year fixed through a broker?
Because RFA Mortgage Corporation lends through brokers only. We can help you save money.
Access the broker channel
RFA Mortgage Corporation funds exclusively through the broker channel — there is no branch or website that will sell you this 3-year fixed directly, so a licensed brokerage is the only route to it.
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.
Bring us a written offer from a big bank. We’ll try to beat it. If we can’t, we pay you $500. Conditions apply. See the conditions
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
Tap your home equity for renovations, debt consolidation or investing.
Renewing
Don't auto-renew with RFA Mortgage Corporation — compare the offer against the market.
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.
RFA Mortgage Corporation 3-year fixed rate — FAQ
What is RFA Mortgage Corporation's 3-year fixed mortgage rate today?
The best 3-year fixed across our 100+ lender network is approximately 3.99% as of Oct 24, 2026. RFA Mortgage Corporation publishes to the broker channel only, so as an FSRA-licensed brokerage we access their 3-year fixed sheet directly — there is no consumer rate you could get instead. Your exact rate depends on your file.
How do I get RFA Mortgage Corporation's broker-channel 3-year fixed rate?
RFA Mortgage Corporation has no retail channel at all: their rate sheet is wholesale, published to licensed brokers only. We submit your file directly to RFA Mortgage Corporation's broker desk and, on the same application, compare it against the rest of the network so you see RFA Mortgage Corporation's best 3-year fixed and the market's best side by side.
Is a 3-year fixed with RFA Mortgage Corporation a good idea?
You give up two years of locked certainty to keep the option of renewing into a lower rate sooner. The most popular shorter fixed term, and rising whenever cuts are expected.
How does breaking an RFA Mortgage Corporation 3-year fixed work?
Like all fixed terms it uses the greater of three months' interest or IRD, but because the term is shorter the IRD window shrinks faster, so the penalty tends to be smaller than a 5-year fixed's by the back half of the term. The method matters as much as the term: the Big-6 banks compare your contract rate against today's posted rate minus the discount you received at signing, while lenders off the bank shelf more often use fair contract-rate IRD, which is typically far cheaper for the same break. RFA Mortgage Corporation's written payout statement is the only binding number — estimate it first with our mortgage penalty calculator.
Can I get a lower 3-year fixed rate than RFA Mortgage Corporation's?
Sometimes. Another of our 100+ lenders may price your specific 3-year fixed better — we put RFA Mortgage Corporation and the rest of the network on one application, then you choose.
Get RFA Mortgage Corporation’s best 3-year fixed — and 100+ others.
One application, no credit pull to begin. We submit to RFA Mortgage Corporation and shop the whole network for your file.