Which lender currently offers the most competitive mortgage rate?

Current Situation:

I presently hold a 5-year closed variable mortgage at 4.55% from both TD and RBC, based on a standard 20% down payment as a first-time home buyer for my primary residence.

Inquiry:

Is there any other lender that can propose a more attractive rate?

Update:

RBC has now adjusted its offer to prime minus 1, reducing the rate to 4.45%!

Hey there! Has anyone explored options with local credit unions or digital lenders? I’m curious how their rates compare and what kind of customer service you experienced. Has anyone found a hidden gem outside of the big banks?