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

RBC hiked its three-year fixed rate mortgage to 4.05 per cent. And the bank's special-offer rate for five-year closed mortgages rises to 3.69 per cent.

The rates were raised from 3.85 and 3.49 per cent, respectively.

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.

With files from The Canadian Press