{"retrievedAt":"2026-10-18T10:53:50.580Z","currency":"CAD","sourceUrl":"https://pragmatic.mortgage/rates","compareUrl":"https://pragmatic.mortgage/rates/explorer","methodologyUrl":"https://pragmatic.mortgage/rates/methodology","coverage":"All current advertised offers from the website's verified rate catalogue, before borrower eligibility matching. No lender or default term restriction. Follow pagination.nextUrl or pagination.nextInput until hasMore is false.","filters":{"lender":"RBC Royal Bank","page":1,"pageSize":100},"totalMatches":14,"pagination":{"page":1,"pageSize":100,"hasMore":false,"nextInput":null,"nextUrl":null},"rates":[{"rateId":"e2792dfc-c2e6-4c0b-8066-e3695024d00f","isPromo":false,"lender":"RBC Royal Bank","lenderSlug":"rbc","lenderLogoUrl":null,"product":"Uninsured – 25 yr","ratePercent":4.15,"aprPercent":4.18,"aprBasis":"lender_reported","rateType":"VARIABLE","termYears":5,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"RBC public special offer; 5 Year Closed; up to 25 year amortization. Subject to lender approval.","ratesUpdatedAt":"2026-10-17T13:05:56.668+00:00","effectiveFrom":"2026-10-17","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:05:56.574Z","expiresAt":"2026-10-19T01:05:56.574Z","rateKind":"client","publicUrl":"https://www.rbcroyalbank.com/mortgages/mortgage-rates.html"},"conditions":{"transactions":["PURCHASE","RENEWAL","REFINANCE"],"occupancies":["OWNER","OWNER_PLUS_RENTAL","SECOND_HOME"],"pricingCategory":"UNINSURED","ltvMin":0.01,"ltvMax":80,"mortgageAmountMin":0,"mortgageAmountMax":99999999.99,"propertyValueMin":null,"propertyValueMax":null,"amortizationMaxYears":25,"firstTimeBuyerOnly":false,"newBuildOnly":false,"switchOnly":false,"programMode":"standard","program":{"amortizationMaxYears":25,"transactions":["PURCHASE","RENEWAL"],"occupancies":["OWNER"],"regions":null,"programs":null}}},{"rateId":"b8ba3ea8-18d2-4973-a791-3b32750e31ce","isPromo":false,"lender":"RBC Royal Bank","lenderSlug":"rbc","lenderLogoUrl":null,"product":"Uninsured – 30 yr","ratePercent":4.25,"aprPercent":4.28,"aprBasis":"lender_reported","rateType":"VARIABLE","termYears":5,"pricingBucket":"UNINSURED","amortizationMaxYears":30,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"RBC public special offer; 5 Year Closed; greater than 25 year amortization. Subject to lender approval.","ratesUpdatedAt":"2026-10-17T13:05:56.668+00:00","effectiveFrom":"2026-10-17","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:05:56.574Z","expiresAt":"2026-10-19T01:05:56.574Z","rateKind":"client","publicUrl":"https://www.rbcroyalbank.com/mortgages/mortgage-rates.html"},"conditions":{"transactions":["PURCHASE","RENEWAL","REFINANCE"],"occupancies":["OWNER","OWNER_PLUS_RENTAL","SECOND_HOME"],"pricingCategory":"UNINSURED","ltvMin":0.01,"ltvMax":80,"mortgageAmountMin":0,"mortgageAmountMax":99999999.99,"propertyValueMin":null,"propertyValueMax":null,"amortizationMaxYears":30,"firstTimeBuyerOnly":false,"newBuildOnly":false,"switchOnly":false,"programMode":"standard","program":{"amortizationMaxYears":30,"amortizationMinYears":25.01,"transactions":["PURCHASE","RENEWAL"],"occupancies":["OWNER"],"regions":null,"programs":null}}},{"rateId":"f4d96a66-12bc-41b7-9a90-9900e28e26a1","isPromo":false,"lender":"RBC Royal Bank","lenderSlug":"rbc","lenderLogoUrl":null,"product":"Uninsured – 25 yr","ratePercent":4.99,"aprPercent":5.03,"aprBasis":"lender_reported","rateType":"FIXED","termYears":3,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"RBC public special offer; 3 Year Closed; up to 25 year amortization. Subject to lender approval.","ratesUpdatedAt":"2026-10-17T13:05:56.668+00:00","effectiveFrom":"2026-10-17","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:05:56.574Z","expiresAt":"2026-10-19T01:05:56.574Z","rateKind":"client","publicUrl":"https://www.rbcroyalbank.com/mortgages/mortgage-rates.html"},"conditions":{"transactions":["PURCHASE","RENEWAL","REFINANCE"],"occupancies":["OWNER","OWNER_PLUS_RENTAL","SECOND_HOME"],"pricingCategory":"UNINSURED","ltvMin":0.01,"ltvMax":80,"mortgageAmountMin":0,"mortgageAmountMax":99999999.99,"propertyValueMin":null,"propertyValueMax":null,"amortizationMaxYears":25,"firstTimeBuyerOnly":false,"newBuildOnly":false,"switchOnly":false,"programMode":"standard","program":{"amortizationMaxYears":25,"transactions":["PURCHASE","RENEWAL"],"occupancies":["OWNER"],"regions":null,"programs":null}}},{"rateId":"76a06481-5764-40ac-af2c-50676985d9a0","isPromo":false,"lender":"RBC Royal Bank","lenderSlug":"rbc","lenderLogoUrl":null,"product":"Uninsured – 25 yr","ratePercent":5.04,"aprPercent":5.07,"aprBasis":"lender_reported","rateType":"FIXED","termYears":4,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"RBC public special offer; 4 Year Closed; up to 25 year amortization. Subject to lender approval.","ratesUpdatedAt":"2026-10-17T13:05:56.668+00:00","effectiveFrom":"2026-10-17","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:05:56.574Z","expiresAt":"2026-10-19T01:05:56.574Z","rateKind":"client","publicUrl":"https://www.rbcroyalbank.com/mortgages/mortgage-rates.html"},"conditions":{"transactions":["PURCHASE","RENEWAL","REFINANCE"],"occupancies":["OWNER","OWNER_PLUS_RENTAL","SECOND_HOME"],"pricingCategory":"UNINSURED","ltvMin":0.01,"ltvMax":80,"mortgageAmountMin":0,"mortgageAmountMax":99999999.99,"propertyValueMin":null,"propertyValueMax":null,"amortizationMaxYears":25,"firstTimeBuyerOnly":false,"newBuildOnly":false,"switchOnly":false,"programMode":"standard","program":{"amortizationMaxYears":25,"transactions":["PURCHASE","RENEWAL"],"occupancies":["OWNER"],"regions":null,"programs":null}}},{"rateId":"8c7f1396-e069-4026-aacd-08529d95fe2a","isPromo":false,"lender":"RBC Royal Bank","lenderSlug":"rbc","lenderLogoUrl":null,"product":"Uninsured – 30 yr","ratePercent":5.09,"aprPercent":5.13,"aprBasis":"lender_reported","rateType":"FIXED","termYears":3,"pricingBucket":"UNINSURED","amortizationMaxYears":30,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"RBC public special offer; 3 Year Closed; greater than 25 year amortization. Subject to lender approval.","ratesUpdatedAt":"2026-10-17T13:05:56.668+00:00","effectiveFrom":"2026-10-17","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:05:56.574Z","expiresAt":"2026-10-19T01:05:56.574Z","rateKind":"client","publicUrl":"https://www.rbcroyalbank.com/mortgages/mortgage-rates.html"},"conditions":{"transactions":["PURCHASE","RENEWAL","REFINANCE"],"occupancies":["OWNER","OWNER_PLUS_RENTAL","SECOND_HOME"],"pricingCategory":"UNINSURED","ltvMin":0.01,"ltvMax":80,"mortgageAmountMin":0,"mortgageAmountMax":99999999.99,"propertyValueMin":null,"propertyValueMax":null,"amortizationMaxYears":30,"firstTimeBuyerOnly":false,"newBuildOnly":false,"switchOnly":false,"programMode":"standard","program":{"amortizationMaxYears":30,"amortizationMinYears":25.01,"transactions":["PURCHASE","RENEWAL"],"occupancies":["OWNER"],"regions":null,"programs":null}}},{"rateId":"639114d9-3d34-46da-83a9-cf2b83bdad23","isPromo":false,"lender":"RBC Royal Bank","lenderSlug":"rbc","lenderLogoUrl":null,"product":"Uninsured – 30 yr","ratePercent":5.14,"aprPercent":5.17,"aprBasis":"lender_reported","rateType":"FIXED","termYears":4,"pricingBucket":"UNINSURED","amortizationMaxYears":30,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"RBC public special offer; 4 Year Closed; greater than 25 year amortization. Subject to lender approval.","ratesUpdatedAt":"2026-10-17T13:05:56.668+00:00","effectiveFrom":"2026-10-17","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:05:56.574Z","expiresAt":"2026-10-19T01:05:56.574Z","rateKind":"client","publicUrl":"https://www.rbcroyalbank.com/mortgages/mortgage-rates.html"},"conditions":{"transactions":["PURCHASE","RENEWAL","REFINANCE"],"occupancies":["OWNER","OWNER_PLUS_RENTAL","SECOND_HOME"],"pricingCategory":"UNINSURED","ltvMin":0.01,"ltvMax":80,"mortgageAmountMin":0,"mortgageAmountMax":99999999.99,"propertyValueMin":null,"propertyValueMax":null,"amortizationMaxYears":30,"firstTimeBuyerOnly":false,"newBuildOnly":false,"switchOnly":false,"programMode":"standard","program":{"amortizationMaxYears":30,"amortizationMinYears":25.01,"transactions":["PURCHASE","RENEWAL"],"occupancies":["OWNER"],"regions":null,"programs":null}}},{"rateId":"841645cf-5118-4883-b3c8-b0c766e98c6e","isPromo":false,"lender":"RBC Royal Bank","lenderSlug":"rbc","lenderLogoUrl":null,"product":"Uninsured – 25 yr","ratePercent":5.14,"aprPercent":5.17,"aprBasis":"lender_reported","rateType":"FIXED","termYears":5,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"RBC public special offer; 5 Year Closed; up to 25 year amortization. Subject to lender approval.","ratesUpdatedAt":"2026-10-17T13:05:56.668+00:00","effectiveFrom":"2026-10-17","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:05:56.574Z","expiresAt":"2026-10-19T01:05:56.574Z","rateKind":"client","publicUrl":"https://www.rbcroyalbank.com/mortgages/mortgage-rates.html"},"conditions":{"transactions":["PURCHASE","RENEWAL","REFINANCE"],"occupancies":["OWNER","OWNER_PLUS_RENTAL","SECOND_HOME"],"pricingCategory":"UNINSURED","ltvMin":0.01,"ltvMax":80,"mortgageAmountMin":0,"mortgageAmountMax":99999999.99,"propertyValueMin":null,"propertyValueMax":null,"amortizationMaxYears":25,"firstTimeBuyerOnly":false,"newBuildOnly":false,"switchOnly":false,"programMode":"standard","program":{"amortizationMaxYears":25,"transactions":["PURCHASE","RENEWAL"],"occupancies":["OWNER"],"regions":null,"programs":null}}},{"rateId":"4c3f425e-dbe8-46cd-b898-34a285b9ffea","isPromo":false,"lender":"RBC Royal Bank","lenderSlug":"rbc","lenderLogoUrl":null,"product":"Uninsured – 25 yr","ratePercent":5.14,"aprPercent":5.2,"aprBasis":"lender_reported","rateType":"FIXED","termYears":2,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"RBC public special offer; 2 Year Closed; up to 25 year amortization. Subject to lender approval.","ratesUpdatedAt":"2026-10-17T13:05:56.668+00:00","effectiveFrom":"2026-10-17","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:05:56.574Z","expiresAt":"2026-10-19T01:05:56.574Z","rateKind":"client","publicUrl":"https://www.rbcroyalbank.com/mortgages/mortgage-rates.html"},"conditions":{"transactions":["PURCHASE","RENEWAL","REFINANCE"],"occupancies":["OWNER","OWNER_PLUS_RENTAL","SECOND_HOME"],"pricingCategory":"UNINSURED","ltvMin":0.01,"ltvMax":80,"mortgageAmountMin":0,"mortgageAmountMax":99999999.99,"propertyValueMin":null,"propertyValueMax":null,"amortizationMaxYears":25,"firstTimeBuyerOnly":false,"newBuildOnly":false,"switchOnly":false,"programMode":"standard","program":{"amortizationMaxYears":25,"transactions":["PURCHASE","RENEWAL"],"occupancies":["OWNER"],"regions":null,"programs":null}}},{"rateId":"62106b1d-a558-4264-a2f4-70ea441cdf53","isPromo":false,"lender":"RBC Royal Bank","lenderSlug":"rbc","lenderLogoUrl":null,"product":"Uninsured – 25 yr","ratePercent":5.14,"aprPercent":5.27,"aprBasis":"lender_reported","rateType":"FIXED","termYears":1,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"RBC public special offer; 1 Year Closed; up to 25 year amortization. Subject to lender approval.","ratesUpdatedAt":"2026-10-17T13:05:56.668+00:00","effectiveFrom":"2026-10-17","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:05:56.574Z","expiresAt":"2026-10-19T01:05:56.574Z","rateKind":"client","publicUrl":"https://www.rbcroyalbank.com/mortgages/mortgage-rates.html"},"conditions":{"transactions":["PURCHASE","RENEWAL","REFINANCE"],"occupancies":["OWNER","OWNER_PLUS_RENTAL","SECOND_HOME"],"pricingCategory":"UNINSURED","ltvMin":0.01,"ltvMax":80,"mortgageAmountMin":0,"mortgageAmountMax":99999999.99,"propertyValueMin":null,"propertyValueMax":null,"amortizationMaxYears":25,"firstTimeBuyerOnly":false,"newBuildOnly":false,"switchOnly":false,"programMode":"standard","program":{"amortizationMaxYears":25,"transactions":["PURCHASE","RENEWAL"],"occupancies":["OWNER"],"regions":null,"programs":null}}},{"rateId":"ae7ecfd7-0560-4561-9fc0-38e4421bcc94","isPromo":false,"lender":"RBC Royal Bank","lenderSlug":"rbc","lenderLogoUrl":null,"product":"Uninsured – 30 yr","ratePercent":5.24,"aprPercent":5.27,"aprBasis":"lender_reported","rateType":"FIXED","termYears":5,"pricingBucket":"UNINSURED","amortizationMaxYears":30,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"RBC public special offer; 5 Year Closed; greater than 25 year amortization. Subject to lender approval.","ratesUpdatedAt":"2026-10-17T13:05:56.668+00:00","effectiveFrom":"2026-10-17","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:05:56.574Z","expiresAt":"2026-10-19T01:05:56.574Z","rateKind":"client","publicUrl":"https://www.rbcroyalbank.com/mortgages/mortgage-rates.html"},"conditions":{"transactions":["PURCHASE","RENEWAL","REFINANCE"],"occupancies":["OWNER","OWNER_PLUS_RENTAL","SECOND_HOME"],"pricingCategory":"UNINSURED","ltvMin":0.01,"ltvMax":80,"mortgageAmountMin":0,"mortgageAmountMax":99999999.99,"propertyValueMin":null,"propertyValueMax":null,"amortizationMaxYears":30,"firstTimeBuyerOnly":false,"newBuildOnly":false,"switchOnly":false,"programMode":"standard","program":{"amortizationMaxYears":30,"amortizationMinYears":25.01,"transactions":["PURCHASE","RENEWAL"],"occupancies":["OWNER"],"regions":null,"programs":null}}},{"rateId":"bfee00ea-36d4-48ae-965b-1190ab343267","isPromo":false,"lender":"RBC Royal Bank","lenderSlug":"rbc","lenderLogoUrl":null,"product":"Uninsured – 25 yr","ratePercent":5.25,"aprPercent":5.27,"aprBasis":"lender_reported","rateType":"FIXED","termYears":7,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"RBC public special offer; 7 Year Closed; up to 25 year amortization. Subject to lender approval.","ratesUpdatedAt":"2026-10-17T13:05:56.668+00:00","effectiveFrom":"2026-10-17","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:05:56.574Z","expiresAt":"2026-10-19T01:05:56.574Z","rateKind":"client","publicUrl":"https://www.rbcroyalbank.com/mortgages/mortgage-rates.html"},"conditions":{"transactions":["PURCHASE","RENEWAL","REFINANCE"],"occupancies":["OWNER","OWNER_PLUS_RENTAL","SECOND_HOME"],"pricingCategory":"UNINSURED","ltvMin":0.01,"ltvMax":80,"mortgageAmountMin":0,"mortgageAmountMax":99999999.99,"propertyValueMin":null,"propertyValueMax":null,"amortizationMaxYears":25,"firstTimeBuyerOnly":false,"newBuildOnly":false,"switchOnly":false,"programMode":"standard","program":{"amortizationMaxYears":25,"transactions":["PURCHASE","RENEWAL"],"occupancies":["OWNER"],"regions":null,"programs":null}}},{"rateId":"bf23c48f-288a-4c83-a837-a4fcf230d9a0","isPromo":false,"lender":"RBC Royal Bank","lenderSlug":"rbc","lenderLogoUrl":null,"product":"Uninsured – 30 yr","ratePercent":5.24,"aprPercent":5.3,"aprBasis":"lender_reported","rateType":"FIXED","termYears":2,"pricingBucket":"UNINSURED","amortizationMaxYears":30,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"RBC public special offer; 2 Year Closed; greater than 25 year amortization. Subject to lender approval.","ratesUpdatedAt":"2026-10-17T13:05:56.668+00:00","effectiveFrom":"2026-10-17","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:05:56.574Z","expiresAt":"2026-10-19T01:05:56.574Z","rateKind":"client","publicUrl":"https://www.rbcroyalbank.com/mortgages/mortgage-rates.html"},"conditions":{"transactions":["PURCHASE","RENEWAL","REFINANCE"],"occupancies":["OWNER","OWNER_PLUS_RENTAL","SECOND_HOME"],"pricingCategory":"UNINSURED","ltvMin":0.01,"ltvMax":80,"mortgageAmountMin":0,"mortgageAmountMax":99999999.99,"propertyValueMin":null,"propertyValueMax":null,"amortizationMaxYears":30,"firstTimeBuyerOnly":false,"newBuildOnly":false,"switchOnly":false,"programMode":"standard","program":{"amortizationMaxYears":30,"amortizationMinYears":25.01,"transactions":["PURCHASE","RENEWAL"],"occupancies":["OWNER"],"regions":null,"programs":null}}},{"rateId":"2ab7bba2-80b1-4378-be60-d5de0ea7cc8e","isPromo":false,"lender":"RBC Royal Bank","lenderSlug":"rbc","lenderLogoUrl":null,"product":"Uninsured – 30 yr","ratePercent":5.24,"aprPercent":5.37,"aprBasis":"lender_reported","rateType":"FIXED","termYears":1,"pricingBucket":"UNINSURED","amortizationMaxYears":30,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"RBC public special offer; 1 Year Closed; greater than 25 year amortization. Subject to lender approval.","ratesUpdatedAt":"2026-10-17T13:05:56.668+00:00","effectiveFrom":"2026-10-17","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:05:56.574Z","expiresAt":"2026-10-19T01:05:56.574Z","rateKind":"client","publicUrl":"https://www.rbcroyalbank.com/mortgages/mortgage-rates.html"},"conditions":{"transactions":["PURCHASE","RENEWAL","REFINANCE"],"occupancies":["OWNER","OWNER_PLUS_RENTAL","SECOND_HOME"],"pricingCategory":"UNINSURED","ltvMin":0.01,"ltvMax":80,"mortgageAmountMin":0,"mortgageAmountMax":99999999.99,"propertyValueMin":null,"propertyValueMax":null,"amortizationMaxYears":30,"firstTimeBuyerOnly":false,"newBuildOnly":false,"switchOnly":false,"programMode":"standard","program":{"amortizationMaxYears":30,"amortizationMinYears":25.01,"transactions":["PURCHASE","RENEWAL"],"occupancies":["OWNER"],"regions":null,"programs":null}}},{"rateId":"60357360-291b-451e-b291-25d73e9e446e","isPromo":false,"lender":"RBC Royal Bank","lenderSlug":"rbc","lenderLogoUrl":null,"product":"Uninsured – 30 yr","ratePercent":5.35,"aprPercent":5.37,"aprBasis":"lender_reported","rateType":"FIXED","termYears":7,"pricingBucket":"UNINSURED","amortizationMaxYears":30,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"RBC public special offer; 7 Year Closed; greater than 25 year amortization. Subject to lender approval.","ratesUpdatedAt":"2026-10-17T13:05:56.668+00:00","effectiveFrom":"2026-10-17","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:05:56.574Z","expiresAt":"2026-10-19T01:05:56.574Z","rateKind":"client","publicUrl":"https://www.rbcroyalbank.com/mortgages/mortgage-rates.html"},"conditions":{"transactions":["PURCHASE","RENEWAL","REFINANCE"],"occupancies":["OWNER","OWNER_PLUS_RENTAL","SECOND_HOME"],"pricingCategory":"UNINSURED","ltvMin":0.01,"ltvMax":80,"mortgageAmountMin":0,"mortgageAmountMax":99999999.99,"propertyValueMin":null,"propertyValueMax":null,"amortizationMaxYears":30,"firstTimeBuyerOnly":false,"newBuildOnly":false,"switchOnly":false,"programMode":"standard","program":{"amortizationMaxYears":30,"amortizationMinYears":25.01,"transactions":["PURCHASE","RENEWAL"],"occupancies":["OWNER"],"regions":null,"programs":null}}}],"ranking":"Available APR, then stable offer ID. Not a whole-market best-rate or suitability recommendation.","freshness":"Retrieval time is not lender verification time. Read each rateEvidence.verifiedAt and expiresAt. Expired or unverified offers are excluded; no historical quote is substituted.","notice":"Published conditions are not personal eligibility or an approval. Use search_rates or compare_rates with anonymous scenario numbers to match offers. Brokerage services are British Columbia only."}