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Interest rate cut - but budget means inflation will rise, Bank of England saysOur home loan rates � 1 year fixed rate for principal and interest repayments when borrowing % - 98% (including Lenders Mortgage Insurance) of the property. Are BMO rates lower than other banks? Yes, they are. For example, while BMO's 5-year fixed rate was %, RBC was %, TD was %, Scotiabank was % and. Banking fees and agreementsAccess more details about your bank plan Explore our competitive mortgage rates, available for a limited time. Explore rates.