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A photograph of the Royal Bank of Canada sign at its head office in downtown Toronto on Dec. 2, 2011.

Nathan Denette/The Canadian Press

Royal Bank of Canada is raising two of its mortgage rates by one-fifth of a point each, starting Tuesday.

RBC's posted rate for a three-year, fixed-rate mortgage will go up 0.2 percentage point to 4.05 per cent.

Meanwhile, an RBC special-offer rate for five-year closed mortgages rises to 3.69 per cent.

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According to data compiled by Bank of Canada, most major commercial banks have been offering three-year mortgages at 3.95 per cent since late January.

Canada's central bank also says five-year conventional mortgages have been at 5.24 per cent since May, when they were reduced from 5.34 per cent.

There are a number of mortgage rates beyond what banks list, often available through negotiation or from alternative lenders.

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