Direct bank
Simplii mortgage rates
Simplii's posted rate is a sticker price. The special is what they'll actually offer, and even that usually sits above what an engaged shopper signs. Here's the gap.
| Product | Special (advertised) | Posted |
|---|---|---|
| 5-year fixed | 4.94% | — |
| 3-year fixed | 4.74% | — |
| 2-year fixed | 4.49% | — |
| 5-year variable | 4.10% | — |
| 3-year variable | — | — |
What Simplii borrowers actually signed
Borrowers who shared a Simplii 5-year fixed signed a median 2.24% below the posted rate, and the sharpest tenth got 2.30% below. Across the 18 lenders we track, the typical cut runs about 2.06%. These are self-reported rates people chose to share, not Simplii's official pricing, so treat them as what engaged shoppers negotiated rather than a guarantee.
Checked directly from Simplii. Last updated Aug 27, 5:02 a.m. Posted and special rates are the lender's own; what people actually sign is typically lower still.
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