Is 4.43% a good three-year fixed?
On October 8, 2026 a person in the mega thread wrote that they had just got 4.43% on a three-year fixed, or 3.55% variable. "Good" only means something next to the other three-year fixed reports from those same days.
| Date | What they said | 3-year fixed |
|---|---|---|
| October 9 | TD renewal offer | 4.54% |
| October 8 | Just got | 4.43% |
| October 7 | Insured, credit union, $2,000 cash back, British Columbia | 3.99% |
| October 7 | Insured Toronto purchase, pre-approval | 4.24% |
| October 7 | Scotiabank renewal menu | 4.27% |
| October 6 | Rate hold | 4.44% |
| October 4 | Locked earlier with TD | 4.04% |
| October 4 | First uninsured TD letter, Toronto | 4.81% |
| October 3 | Uninsured GTA refinance, 30-year amortization | 3.99% |
4.43% sits in the middle of that pile. It is 11 points under the October 9 TD letter and 44 points over the insured credit-union rate that included cash back. On $500,000 over 25 years, 11 points is $30.55 a month. That is real money and it is not a different life. The gap to 3.99% is larger, and it may be a gap you cannot cross if your file is uninsured.
People also ask whether 3.75% or 4.23% is a good rate. Neither of those exact numbers is in this October set. A 4.24% insured three-year is the closest neighbour to 4.23%. Treat a rate from a different month as a different market. The October 28 hike did not rewrite these fixed posts, and a new letter this week can.
If your offer is 4.43% or higher and the file is clean, it is worth a second price. Request cheaper rates and take the written offer with you. The fixed or variable guide is the other half of the decision, because 3.55% variable was the alternative in the same sentence as 4.43%.