TORONTO — RBC Royal Bank 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%.Meanwhile, an RBC special-offer rate for five-year closed mortgages rises to 3.69%.[np-related]According to data compiled by Bank of Canada, most major commercial banks have been offering three-year mortgages at 3.95% since late January.Canada’s central bank also says five-year conventional mortgages have been at 5.24% since May, when they were reduced from 5.34%.There are a number of mortgage rates beyond what banks list, often available through negotiation or from alternative lenders.The Canadian Press