{"retrievedAt":"2026-10-18T10:50:22.913Z","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":{"termYears":3,"page":1,"pageSize":100},"totalMatches":69,"pagination":{"page":1,"pageSize":100,"hasMore":false,"nextInput":null,"nextUrl":null},"rates":[{"rateId":"672b29f5-2925-4bd1-9134-1cfb30777656","isPromo":false,"lender":"Beem Credit Union","lenderSlug":"https-beemcreditunion-ca","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/https---beemcreditunion-ca-/1764875583309.png","product":"Variable Closed","ratePercent":3.9,"aprPercent":3.9,"aprBasis":"advertised_rate_assumption","rateType":"VARIABLE","termYears":3,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"Beem public closed variable mortgage rate; 3 year.","ratesUpdatedAt":"2026-10-17T13:04:42.881+00:00","effectiveFrom":"2025-10-30","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:04:42.792Z","expiresAt":"2026-10-19T01:04:42.792Z","rateKind":"client","publicUrl":"https://beemcreditunion.ca/rates"},"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":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"9f522abf-90f1-4c50-976b-4f6c9461e15e","isPromo":false,"lender":"CIBC","lenderSlug":"cibc","lenderLogoUrl":null,"product":"Uninsured – 25 yr","ratePercent":4.15,"aprPercent":4.17,"aprBasis":"lender_reported","rateType":"VARIABLE","termYears":3,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"CIBC public special offer; 3 years; up to 25 year amortization. Subject to lender approval.","ratesUpdatedAt":"2026-10-17T13:04:48.009+00:00","effectiveFrom":"2026-10-17","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:04:47.928Z","expiresAt":"2026-10-19T01:04:47.928Z","rateKind":"client","publicUrl":"https://www.cibc.com/en/interest-rates/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"],"occupancies":["OWNER"],"regions":null,"programs":null}}},{"rateId":"678909ed-3e93-4e6c-857f-c8d1fb606380","isPromo":false,"lender":"ATB Financial","lenderSlug":"atb-financial","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/atb-financial/1765657925037.png","product":"Standard","ratePercent":4.29,"aprPercent":4.29,"aprBasis":"advertised_rate_assumption","rateType":"FIXED","termYears":3,"pricingBucket":"INSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["High-ratio insured"],"notes":"Client Rates · Our featured offers · 3 Year High Ratio.","ratesUpdatedAt":"2026-10-17T13:04:39.165+00:00","effectiveFrom":"2026-10-17","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:04:39.013Z","expiresAt":"2026-10-19T01:04:39.013Z","rateKind":"client","publicUrl":"https://www.atb.com/resources/rates/mortgage-rates/"},"conditions":{"transactions":["PURCHASE","RENEWAL"],"occupancies":["OWNER","OWNER_PLUS_RENTAL","SECOND_HOME"],"pricingCategory":"INSURED","ltvMin":80.01,"ltvMax":95,"mortgageAmountMin":0,"mortgageAmountMax":99999999.99,"propertyValueMin":null,"propertyValueMax":null,"amortizationMaxYears":25,"firstTimeBuyerOnly":false,"newBuildOnly":false,"switchOnly":false,"programMode":"standard","program":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"afbbbef2-a80a-4e06-8785-b301aabed597","isPromo":false,"lender":"B2B Bank","lenderSlug":"b2b-bank","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/b2b-bank/1765657408091.png","product":"Uninsured – 25 yr","ratePercent":4.45,"aprPercent":4.45,"aprBasis":"lender_reported","rateType":"VARIABLE","termYears":3,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"B2B Bank posted variable mortgage rate; 3 year; Prime + 0.00%.","ratesUpdatedAt":"2026-10-17T13:04:41.379+00:00","effectiveFrom":"2026-03-14","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:04:41.290Z","expiresAt":"2026-10-19T01:04:41.290Z","rateKind":"posted","publicUrl":"https://b2bbank.com/en/advisor-broker-rates/mortgage-rates"},"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":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"a1838cda-8409-4fdb-8cff-b759b0dbf488","isPromo":false,"lender":"DUCA","lenderSlug":"duca","lenderLogoUrl":"https://dn897oeow7yel.cloudfront.net/images/lLaXCV4fVTLNODJc1bZZNXav8vxZEW2jkyarKvlm.png","product":"Insured","ratePercent":4.49,"aprPercent":4.49,"aprBasis":"advertised_rate_assumption","rateType":"FIXED","termYears":3,"pricingBucket":"INSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["High-ratio insured"],"notes":"DUCA advertised high-ratio fixed mortgage rate; 3 Year.","ratesUpdatedAt":"2026-10-17T13:05:02.357+00:00","effectiveFrom":"2026-10-17","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:05:02.281Z","expiresAt":"2026-10-19T01:05:02.281Z","rateKind":"client","publicUrl":"https://www.duca.com/personal/mortgages"},"conditions":{"transactions":["PURCHASE","RENEWAL"],"occupancies":["OWNER"],"pricingCategory":"INSURED","ltvMin":80.01,"ltvMax":95,"mortgageAmountMin":0,"mortgageAmountMax":99999999.99,"propertyValueMin":1,"propertyValueMax":1500000,"amortizationMaxYears":25,"firstTimeBuyerOnly":false,"newBuildOnly":false,"switchOnly":false,"programMode":"standard","program":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"e3ea2d84-22bc-4f19-90b0-fdc5826ca684","isPromo":false,"lender":"Community Savings Credit Union","lenderSlug":"community-savings-credit-union","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/community-savings-credit-union/1765657993314.jpg","product":"Insured","ratePercent":4.49,"aprPercent":4.49,"aprBasis":"lender_reported","rateType":"FIXED","termYears":3,"pricingBucket":"INSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["High-ratio insured"],"notes":"Community Savings posted insured mortgage rate; 3-Year, fixed.","ratesUpdatedAt":"2026-10-17T13:04:57.535+00:00","effectiveFrom":"2026-10-17","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:04:57.370Z","expiresAt":"2026-10-19T01:04:57.370Z","rateKind":"posted","publicUrl":"https://www.comsavings.com/more/get-rates"},"conditions":{"transactions":["PURCHASE","RENEWAL"],"occupancies":["OWNER"],"pricingCategory":"INSURED","ltvMin":80.01,"ltvMax":95,"mortgageAmountMin":0,"mortgageAmountMax":99999999.99,"propertyValueMin":1,"propertyValueMax":1500000,"amortizationMaxYears":25,"firstTimeBuyerOnly":false,"newBuildOnly":false,"switchOnly":false,"programMode":"standard","program":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"8794da54-79fd-4ca3-990d-c1485b0ae7f3","isPromo":false,"lender":"Beem Credit Union","lenderSlug":"https-beemcreditunion-ca","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/https---beemcreditunion-ca-/1764875583309.png","product":"Uninsured – 25 yr","ratePercent":4.54,"aprPercent":4.54,"aprBasis":"advertised_rate_assumption","rateType":"FIXED","termYears":3,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"Beem public fixed closed mortgage rate; 3 year; Uninsured – 25 yr.","ratesUpdatedAt":"2026-10-17T13:04:42.881+00:00","effectiveFrom":"2025-10-30","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:04:42.792Z","expiresAt":"2026-10-19T01:04:42.792Z","rateKind":"client","publicUrl":"https://beemcreditunion.ca/rates"},"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":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"a43363f4-eb7e-4cdc-b3ff-c959f3700910","isPromo":false,"lender":"Prospera","lenderSlug":"prospera","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/prospera/1765658171923.png","product":"Uninsured – 25 yr","ratePercent":4.54,"aprPercent":4.54,"aprBasis":"advertised_rate_assumption","rateType":"FIXED","termYears":3,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"Prospera advertised public mortgage rate; 3-Year Closed.","ratesUpdatedAt":"2026-10-17T13:05:54.628+00:00","effectiveFrom":"2026-10-17","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:05:54.555Z","expiresAt":"2026-10-19T01:05:54.555Z","rateKind":"client","publicUrl":"https://www.prospera.ca/Personal/Mortgages/Mortgage%2BRates"},"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":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"238d2f76-4af6-44db-9156-585e3ca21608","isPromo":false,"lender":"ATB Financial","lenderSlug":"atb-financial","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/atb-financial/1765657925037.png","product":"Standard","ratePercent":4.59,"aprPercent":4.59,"aprBasis":"advertised_rate_assumption","rateType":"FIXED","termYears":3,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"Client Rates · Our featured offers · 3 Year Conventional.","ratesUpdatedAt":"2026-10-17T13:04:39.165+00:00","effectiveFrom":"2026-10-17","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:04:39.013Z","expiresAt":"2026-10-19T01:04:39.013Z","rateKind":"client","publicUrl":"https://www.atb.com/resources/rates/mortgage-rates/"},"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":1,"propertyValueMax":5000000,"amortizationMaxYears":25,"firstTimeBuyerOnly":false,"newBuildOnly":false,"switchOnly":false,"programMode":"standard","program":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"023ceeec-cb1f-40d6-b1f9-b8a9662a1783","isPromo":false,"lender":"Community Savings Credit Union","lenderSlug":"community-savings-credit-union","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/community-savings-credit-union/1765657993314.jpg","product":"Uninsured – 25 yr","ratePercent":4.64,"aprPercent":4.64,"aprBasis":"lender_reported","rateType":"FIXED","termYears":3,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"Community Savings posted closed mortgage rate; 3-Year.","ratesUpdatedAt":"2026-10-17T13:04:57.535+00:00","effectiveFrom":"2026-10-17","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:04:57.370Z","expiresAt":"2026-10-19T01:04:57.370Z","rateKind":"posted","publicUrl":"https://www.comsavings.com/more/get-rates"},"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":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"56fb8464-ea01-4218-a683-23892bf6c210","isPromo":false,"lender":"Pine Mortgage","lenderSlug":"pine-mortgage","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/pine-mortgage/1787726450150-official.svg","product":"Insured – Additional","ratePercent":4.64,"aprPercent":4.64,"aprBasis":"advertised_rate_assumption","rateType":"FIXED","termYears":3,"pricingBucket":"INSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["High-ratio insured"],"notes":"Pine additional 3-year Fixed; public insured reference rate, subject to Pine underwriting and change without notice. Pine homepage headline requires separate verification; this offer quotes the insured mortgage table only.","ratesUpdatedAt":"2026-10-17T13:05:52.287+00:00","effectiveFrom":"2026-09-22","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:05:52.207Z","expiresAt":"2026-10-19T01:05:52.207Z","rateKind":"client","publicUrl":"https://www.pine.ca/mortgage"},"conditions":{"transactions":["PURCHASE","RENEWAL"],"occupancies":["OWNER","OWNER_PLUS_RENTAL","SECOND_HOME"],"pricingCategory":"INSURED","ltvMin":80.01,"ltvMax":95,"mortgageAmountMin":0,"mortgageAmountMax":99999999.99,"propertyValueMin":null,"propertyValueMax":null,"amortizationMaxYears":25,"firstTimeBuyerOnly":false,"newBuildOnly":false,"switchOnly":false,"programMode":"standard","program":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"b6b21f32-9630-4b14-b34f-af595a0d9c12","isPromo":true,"lender":"Beem Credit Union","lenderSlug":"https-beemcreditunion-ca","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/https---beemcreditunion-ca-/1764875583309.png","product":"Uninsured – 30 yr","ratePercent":4.64,"aprPercent":4.64,"aprBasis":"advertised_rate_assumption","rateType":"FIXED","termYears":3,"pricingBucket":"UNINSURED","amortizationMaxYears":30,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured","Promotional"],"notes":"Beem public fixed closed mortgage rate; 3 year; Uninsured – 30 yr.","ratesUpdatedAt":"2026-10-17T13:04:42.881+00:00","effectiveFrom":"2025-10-30","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:04:42.792Z","expiresAt":"2026-10-19T01:04:42.792Z","rateKind":"client","publicUrl":"https://beemcreditunion.ca/rates"},"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":1,"propertyValueMax":5000000,"amortizationMaxYears":30,"firstTimeBuyerOnly":false,"newBuildOnly":false,"switchOnly":false,"programMode":"standard","program":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"8bd7fc9f-e94a-4179-9727-2e4f06b63d62","isPromo":false,"lender":"Island Savings","lenderSlug":"island-savings","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/island-savings/1765658043653.png","product":"Uninsured – 25 yr","ratePercent":4.64,"aprPercent":4.67,"aprBasis":"lender_reported","rateType":"FIXED","termYears":3,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"Tru Cooperative public 3 year fixed rate (closed); standard mortgage rate.","ratesUpdatedAt":"2026-10-17T13:05:20.412+00:00","effectiveFrom":"2026-09-23","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:05:20.320Z","expiresAt":"2026-10-19T01:05:20.320Z","rateKind":"client","publicUrl":"https://www.trucooperativebank.ca/island-savings/personal/rates/mortgage-rates"},"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":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"bb94d9ea-92e6-4495-a58f-a3cf5ccbb898","isPromo":false,"lender":"Valley First","lenderSlug":"valley-first","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/valley-first/1765658220931.png","product":"Uninsured – 25 yr","ratePercent":4.64,"aprPercent":4.67,"aprBasis":"lender_reported","rateType":"FIXED","termYears":3,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"Tru Cooperative public 3 year fixed rate (closed); standard mortgage rate.","ratesUpdatedAt":"2026-10-17T13:07:04.914+00:00","effectiveFrom":"2026-09-23","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:07:04.835Z","expiresAt":"2026-10-19T01:07:04.835Z","rateKind":"client","publicUrl":"https://www.trucooperativebank.ca/valley-first/personal/rates/mortgage-rates"},"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":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"d49161d9-c2fe-4e2f-85cc-3da785de338c","isPromo":false,"lender":"Envision Financial","lenderSlug":"envision-financial","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/envision-financial/1765658014239.png","product":"Uninsured – 25 yr","ratePercent":4.64,"aprPercent":4.67,"aprBasis":"lender_reported","rateType":"FIXED","termYears":3,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"Tru Cooperative public 3 year fixed rate (closed); standard mortgage rate.","ratesUpdatedAt":"2026-10-17T13:05:06.305+00:00","effectiveFrom":"2026-09-23","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:05:06.220Z","expiresAt":"2026-10-19T01:05:06.220Z","rateKind":"client","publicUrl":"https://www.trucooperativebank.ca/envision-financial/personal/rates/mortgage-rates"},"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":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"bd2fd843-6e8e-4c4d-8c38-f0551192a219","isPromo":false,"lender":"Marathon Mortgage","lenderSlug":"marathon-mortgage","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/marathon-mortgage/1765658060736.png","product":"Insured","ratePercent":4.69,"aprPercent":4.69,"aprBasis":"advertised_rate_assumption","rateType":"FIXED","termYears":3,"pricingBucket":"INSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["High-ratio insured"],"notes":"Marathon advertised starting rate; 3 year fixed; insured/insurable purchases and switches.","ratesUpdatedAt":"2026-10-17T13:05:23.233+00:00","effectiveFrom":"2026-10-17","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:05:23.154Z","expiresAt":"2026-10-19T01:05:23.154Z","rateKind":"client","publicUrl":"https://marathonmortgage.ca/rates"},"conditions":{"transactions":["PURCHASE","RENEWAL"],"occupancies":["OWNER"],"pricingCategory":"INSURED","ltvMin":80.01,"ltvMax":95,"mortgageAmountMin":0,"mortgageAmountMax":99999999.99,"propertyValueMin":1,"propertyValueMax":1500000,"amortizationMaxYears":25,"firstTimeBuyerOnly":false,"newBuildOnly":false,"switchOnly":false,"programMode":"standard","program":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"0a14dd37-309b-4965-814e-6fa7d1bb6262","isPromo":false,"lender":"CMLS Financial","lenderSlug":"cmls-financial","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/cmls-financial/1765657980138.png","product":"Standard","ratePercent":4.75,"aprPercent":4.75,"aprBasis":"advertised_rate_assumption","rateType":"VARIABLE","termYears":3,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"CMLS public adjustable mortgage rate; ADJUSTABLE 3 YEAR MORTGAGES; CMLS Prime 4.45%.","ratesUpdatedAt":"2026-10-17T13:04:49.629+00:00","effectiveFrom":"2026-09-26","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:04:49.552Z","expiresAt":"2026-10-19T01:04:49.552Z","rateKind":"client","publicUrl":"https://www.cmls.ca/what-we-do/cmls-residential/mortgage-rates"},"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":1,"propertyValueMax":5000000,"amortizationMaxYears":25,"firstTimeBuyerOnly":false,"newBuildOnly":false,"switchOnly":false,"programMode":"standard","program":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"308eb23b-ef8f-4edb-a531-fb6334e05638","isPromo":false,"lender":"Strive Capital","lenderSlug":"strive-capital","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/strive-capital/1764885553994.png","product":"Insurable ≤65% LTV","ratePercent":4.79,"aprPercent":4.79,"aprBasis":"advertised_rate_assumption","rateType":"FIXED","termYears":3,"pricingBucket":"INSURABLE","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Low-ratio insurable"],"notes":"Verified lender email offer; 36 month fixed; LTV 0–65%; amortization up to 25 years; AB, BC, MB, NB, NL, NS, ON, PE, SK. Minimum credit score 681.  Property value up to $999,999.99. Firm standard transfers only; pre-approvals and collateral transfers excluded. Remaining amortization cannot increase; no covenant changes. Owner-occupied 1–4 units. Credit threshold must be met by at least one applicant. Existing insurance/insurability and lender underwriting requirements apply. No broker bonus or buy-down is included. Subject to lender approval.","ratesUpdatedAt":"2026-10-13T12:33:02+00:00","effectiveFrom":"2026-10-08","effectiveTo":"2026-10-20","rateEvidence":{"sourceType":"email","verifiedAt":"2026-10-13T12:33:02+00:00","expiresAt":"2026-10-20T12:33:02.000Z","rateKind":"broker","publicUrl":null},"conditions":{"transactions":["PURCHASE","RENEWAL"],"occupancies":["OWNER","OWNER_PLUS_RENTAL","SECOND_HOME"],"pricingCategory":"INSURABLE","ltvMin":0,"ltvMax":65,"mortgageAmountMin":100001,"mortgageAmountMax":99999999.99,"propertyValueMin":1,"propertyValueMax":999999,"amortizationMaxYears":25,"firstTimeBuyerOnly":false,"newBuildOnly":false,"switchOnly":false,"programMode":"standard","program":{"propertyValueMax":999999.99,"amortizationMaxYears":25,"beaconMin":681,"transactions":["RENEWAL"],"occupancies":["OWNER"],"regions":["AB","BC","MB","NB","NL","NS","ON","PE","SK"],"programs":null}}},{"rateId":"418355e5-de60-41eb-9b85-7f8539de069c","isPromo":false,"lender":"Strive Capital","lenderSlug":"strive-capital","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/strive-capital/1764885553994.png","product":"Insured","ratePercent":4.79,"aprPercent":4.79,"aprBasis":"advertised_rate_assumption","rateType":"FIXED","termYears":3,"pricingBucket":"INSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["High-ratio insured"],"notes":"Strive posted fixed mortgage rate; Insured Purchase, Transfer; Up to 95%; 3 Year.","ratesUpdatedAt":"2026-10-17T13:07:02.322+00:00","effectiveFrom":"2026-10-08","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:07:01.745Z","expiresAt":"2026-10-19T01:07:01.745Z","rateKind":"client","publicUrl":"https://www.strivecapital.ca/mortgage-rates/"},"conditions":{"transactions":["PURCHASE","RENEWAL"],"occupancies":["OWNER"],"pricingCategory":"INSURED","ltvMin":80.01,"ltvMax":95,"mortgageAmountMin":0,"mortgageAmountMax":99999999.99,"propertyValueMin":1,"propertyValueMax":1500000,"amortizationMaxYears":25,"firstTimeBuyerOnly":false,"newBuildOnly":false,"switchOnly":false,"programMode":"standard","program":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"5aab381c-dc73-40be-baff-982d7010a80a","isPromo":false,"lender":"Strive Capital","lenderSlug":"strive-capital","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/strive-capital/1764885553994.png","product":"Insured","ratePercent":4.79,"aprPercent":4.79,"aprBasis":"advertised_rate_assumption","rateType":"FIXED","termYears":3,"pricingBucket":"INSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["High-ratio insured"],"notes":"Verified lender email offer; 36 month fixed; LTV 80.01–95%; amortization up to 25 years; AB, BC, MB, NB, NL, NS, ON, PE, SK.  Property value up to $500,000. Firm standard transfers only; pre-approvals and collateral transfers excluded. Remaining amortization cannot increase; no covenant changes. Owner-occupied 1–2 units. Existing insurance/insurability and lender underwriting requirements apply. No broker bonus or buy-down is included. Subject to lender approval.","ratesUpdatedAt":"2026-10-13T12:33:02+00:00","effectiveFrom":"2026-10-08","effectiveTo":"2026-10-20","rateEvidence":{"sourceType":"email","verifiedAt":"2026-10-13T12:33:02+00:00","expiresAt":"2026-10-20T12:33:02.000Z","rateKind":"broker","publicUrl":null},"conditions":{"transactions":["PURCHASE","RENEWAL"],"occupancies":["OWNER"],"pricingCategory":"INSURED","ltvMin":80.01,"ltvMax":95,"mortgageAmountMin":100001,"mortgageAmountMax":99999999.99,"propertyValueMin":1,"propertyValueMax":1500000,"amortizationMaxYears":25,"firstTimeBuyerOnly":false,"newBuildOnly":false,"switchOnly":false,"programMode":"standard","program":{"propertyValueMax":500000,"amortizationMaxYears":25,"transactions":["RENEWAL"],"occupancies":["OWNER"],"regions":["AB","BC","MB","NB","NL","NS","ON","PE","SK"],"programs":null}}},{"rateId":"8b78bda9-ce50-4f62-b7cd-eef2b62fac12","isPromo":false,"lender":"Strive Capital","lenderSlug":"strive-capital","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/strive-capital/1764885553994.png","product":"Insurable ≤65% LTV","ratePercent":4.79,"aprPercent":4.79,"aprBasis":"advertised_rate_assumption","rateType":"FIXED","termYears":3,"pricingBucket":"INSURABLE","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Low-ratio insurable"],"notes":"Strive posted fixed mortgage rate; Insurable Purchase, Transfer; Up to 65%; 3 Year.","ratesUpdatedAt":"2026-10-17T13:07:02.322+00:00","effectiveFrom":"2026-10-08","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:07:01.745Z","expiresAt":"2026-10-19T01:07:01.745Z","rateKind":"client","publicUrl":"https://www.strivecapital.ca/mortgage-rates/"},"conditions":{"transactions":["PURCHASE","RENEWAL"],"occupancies":["OWNER","OWNER_PLUS_RENTAL","SECOND_HOME"],"pricingCategory":"INSURABLE","ltvMin":0,"ltvMax":65,"mortgageAmountMin":0,"mortgageAmountMax":99999999.99,"propertyValueMin":1,"propertyValueMax":999999,"amortizationMaxYears":25,"firstTimeBuyerOnly":false,"newBuildOnly":false,"switchOnly":false,"programMode":"standard","program":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"bce82e7c-6f4b-45cc-8bef-edc23de06c80","isPromo":false,"lender":"Neo Financial","lenderSlug":"neo-financial","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/neo-financial/1765658151925.png","product":"Uninsured – 25 yr","ratePercent":4.79,"aprPercent":4.79,"aprBasis":"advertised_rate_assumption","rateType":"FIXED","termYears":3,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"Neo posted fixed mortgage rate; 3-year.","ratesUpdatedAt":"2026-10-17T13:05:47.969+00:00","effectiveFrom":"2026-10-17","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:05:47.883Z","expiresAt":"2026-10-19T01:05:47.883Z","rateKind":"client","publicUrl":"https://www.neofinancial.com/mortgages"},"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":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"58085e17-1556-40ae-88f8-4370d2ae71df","isPromo":false,"lender":"Peoples Bank (For Exclusive Partners Only)","lenderSlug":"peoples-bank-for-exclusive-partners-only","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/peoples-bank-for-exclusive-partners-only/1787726450447-official.svg","product":"Insured","ratePercent":4.79,"aprPercent":4.83,"aprBasis":"lender_reported","rateType":"FIXED","termYears":3,"pricingBucket":"INSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["High-ratio insured"],"notes":"Peoples Group posted insured mortgage rate; 3-year fixed rate.","ratesUpdatedAt":"2026-10-17T13:05:50.255+00:00","effectiveFrom":"2026-10-07","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:05:50.181Z","expiresAt":"2026-10-19T01:05:50.181Z","rateKind":"posted","publicUrl":"https://www.peoplesgroup.com/personal/resources/mortgage-rates"},"conditions":{"transactions":["PURCHASE","RENEWAL"],"occupancies":["OWNER"],"pricingCategory":"INSURED","ltvMin":80.01,"ltvMax":95,"mortgageAmountMin":0,"mortgageAmountMax":99999999.99,"propertyValueMin":1,"propertyValueMax":1500000,"amortizationMaxYears":25,"firstTimeBuyerOnly":false,"newBuildOnly":false,"switchOnly":false,"programMode":"standard","program":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"b969a698-5867-4fac-a645-b29d73e3eb5a","isPromo":false,"lender":"CMLS Financial","lenderSlug":"cmls-financial","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/cmls-financial/1765657980138.png","product":"Standard","ratePercent":4.84,"aprPercent":4.84,"aprBasis":"advertised_rate_assumption","rateType":"FIXED","termYears":3,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"CMLS public standard fixed mortgage rate; FIXED 3 YEAR MORTGAGES.","ratesUpdatedAt":"2026-10-17T13:04:49.629+00:00","effectiveFrom":"2026-09-26","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:04:49.552Z","expiresAt":"2026-10-19T01:04:49.552Z","rateKind":"client","publicUrl":"https://www.cmls.ca/what-we-do/cmls-residential/mortgage-rates"},"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":1,"propertyValueMax":5000000,"amortizationMaxYears":25,"firstTimeBuyerOnly":false,"newBuildOnly":false,"switchOnly":false,"programMode":"standard","program":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"60e4961f-dbff-4729-91b7-c1399e8c9b40","isPromo":false,"lender":"BMO Bank of Montreal","lenderSlug":"bmo","lenderLogoUrl":null,"product":"Special under 25 yr","ratePercent":4.94,"aprPercent":4.97,"aprBasis":"lender_reported","rateType":"FIXED","termYears":3,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"BMO public special mortgage rate; 3 year fixed closed; amortization under 25 years.","ratesUpdatedAt":"2026-10-17T13:04:44.992+00:00","effectiveFrom":"2026-10-17","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:04:44.882Z","expiresAt":"2026-10-19T01:04:44.882Z","rateKind":null,"publicUrl":"https://www.bmo.com/en-ca/main/personal/mortgages/mortgage-rates/"},"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":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"aba21939-9163-4b5f-9e20-889e76522fad","isPromo":false,"lender":"National Bank of Canada","lenderSlug":"national-bank","lenderLogoUrl":null,"product":"Uninsured – 25 yr","ratePercent":5.04,"aprPercent":4.99,"aprBasis":"lender_reported","rateType":"FIXED","termYears":3,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"NATIONAL-BANK public special offer; 3 Year fixed closed; up to 25 year amortization. Subject to lender approval.","ratesUpdatedAt":"2026-10-17T13:05:46.749+00:00","effectiveFrom":"2026-10-17","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:05:46.601Z","expiresAt":"2026-10-19T01:05:46.601Z","rateKind":"client","publicUrl":"https://www.nbc.ca/personal/mortgages/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"],"occupancies":["OWNER"],"regions":null,"programs":null}}},{"rateId":"add42d5b-3c3a-4c97-bf9a-231523d3aabd","isPromo":false,"lender":"MCAN Home - Precision Prime for Insured","lenderSlug":"mcan-home-precision-prime-for-insured","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/mcan-home-precision-prime-for-insured/1765658080574.png","product":"Insured","ratePercent":4.99,"aprPercent":4.99,"aprBasis":"advertised_rate_assumption","rateType":"FIXED","termYears":3,"pricingBucket":"INSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["High-ratio insured"],"notes":"MCAN Precision Prime fixed broker rate; 3 Year; LTV >80%; Purchase.","ratesUpdatedAt":"2026-10-17T13:05:41.106+00:00","effectiveFrom":"2026-10-07","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:05:40.972Z","expiresAt":"2026-10-19T01:05:40.972Z","rateKind":"broker","publicUrl":"https://mcanfinancial.com/our-businesses/mcan-home/broker-resources/"},"conditions":{"transactions":["PURCHASE","RENEWAL"],"occupancies":["OWNER"],"pricingCategory":"INSURED","ltvMin":80.01,"ltvMax":95,"mortgageAmountMin":0,"mortgageAmountMax":99999999.99,"propertyValueMin":1,"propertyValueMax":1500000,"amortizationMaxYears":25,"firstTimeBuyerOnly":false,"newBuildOnly":false,"switchOnly":false,"programMode":"standard","program":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"e43283f1-68ad-4340-acb3-d020265ccb92","isPromo":false,"lender":"MCAN Home - Precision Prime for Insured","lenderSlug":"mcan-home-precision-prime-for-insured","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/mcan-home-precision-prime-for-insured/1765658080574.png","product":"Insurable ≤65% LTV","ratePercent":4.99,"aprPercent":4.99,"aprBasis":"advertised_rate_assumption","rateType":"FIXED","termYears":3,"pricingBucket":"INSURABLE","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Low-ratio insurable"],"notes":"MCAN Precision Prime fixed broker rate; 3 Year; LTV <=65%; Purchase.","ratesUpdatedAt":"2026-10-17T13:05:41.106+00:00","effectiveFrom":"2026-10-07","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:05:40.972Z","expiresAt":"2026-10-19T01:05:40.972Z","rateKind":"broker","publicUrl":"https://mcanfinancial.com/our-businesses/mcan-home/broker-resources/"},"conditions":{"transactions":["PURCHASE","RENEWAL"],"occupancies":["OWNER","OWNER_PLUS_RENTAL","SECOND_HOME"],"pricingCategory":"INSURABLE","ltvMin":0,"ltvMax":65,"mortgageAmountMin":0,"mortgageAmountMax":99999999.99,"propertyValueMin":1,"propertyValueMax":999999,"amortizationMaxYears":25,"firstTimeBuyerOnly":false,"newBuildOnly":false,"switchOnly":false,"programMode":"standard","program":{"transactions":null,"occupancies":null,"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":"03ceda92-0228-4a8d-aa39-dde256cd5642","isPromo":false,"lender":"Strive Capital","lenderSlug":"strive-capital","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/strive-capital/1764885553994.png","product":"Insurable 65.01–70% LTV","ratePercent":5.04,"aprPercent":5.04,"aprBasis":"advertised_rate_assumption","rateType":"FIXED","termYears":3,"pricingBucket":"INSURABLE","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Low-ratio insurable"],"notes":"Verified lender email offer; 36 month fixed; LTV 65.01–70%; amortization up to 25 years; AB, BC, MB, NB, NL, NS, ON, PE, SK. Minimum credit score 681.  Property value up to $999,999.99. Firm standard transfers only; pre-approvals and collateral transfers excluded. Remaining amortization cannot increase; no covenant changes. Owner-occupied 1–4 units. Credit threshold must be met by at least one applicant. Existing insurance/insurability and lender underwriting requirements apply. No broker bonus or buy-down is included. Subject to lender approval.","ratesUpdatedAt":"2026-10-13T12:33:02+00:00","effectiveFrom":"2026-10-08","effectiveTo":"2026-10-20","rateEvidence":{"sourceType":"email","verifiedAt":"2026-10-13T12:33:02+00:00","expiresAt":"2026-10-20T12:33:02.000Z","rateKind":"broker","publicUrl":null},"conditions":{"transactions":["PURCHASE","RENEWAL"],"occupancies":["OWNER","OWNER_PLUS_RENTAL","SECOND_HOME"],"pricingCategory":"INSURABLE","ltvMin":65.01,"ltvMax":70,"mortgageAmountMin":100001,"mortgageAmountMax":99999999.99,"propertyValueMin":1,"propertyValueMax":999999,"amortizationMaxYears":25,"firstTimeBuyerOnly":false,"newBuildOnly":false,"switchOnly":false,"programMode":"standard","program":{"propertyValueMax":999999.99,"amortizationMaxYears":25,"beaconMin":681,"transactions":["RENEWAL"],"occupancies":["OWNER"],"regions":["AB","BC","MB","NB","NL","NS","ON","PE","SK"],"programs":null}}},{"rateId":"13fa2b6c-d446-4f91-bc62-c45adee6d8c1","isPromo":false,"lender":"CoastCapital Savings","lenderSlug":"coastcapital-savings","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/coastcapital-savings/1765743863731.png","product":"Uninsured – 25 yr","ratePercent":5.04,"aprPercent":5.04,"aprBasis":"advertised_rate_assumption","rateType":"FIXED","termYears":3,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"3-Year Fixed Rate - Closed (up to 25-year amortization).","ratesUpdatedAt":"2026-10-17T13:04:51.159+00:00","effectiveFrom":"2026-10-13","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:04:51.052Z","expiresAt":"2026-10-19T01:04:51.052Z","rateKind":"client","publicUrl":"https://www.coastcapitalsavings.com/brokers/rates"},"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":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"2e4509ab-5907-4b5d-84c7-3210380743e4","isPromo":false,"lender":"Strive Capital","lenderSlug":"strive-capital","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/strive-capital/1764885553994.png","product":"Insurable 75.01–80% LTV","ratePercent":5.04,"aprPercent":5.04,"aprBasis":"advertised_rate_assumption","rateType":"FIXED","termYears":3,"pricingBucket":"INSURABLE","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Low-ratio insurable"],"notes":"Verified lender email offer; 36 month fixed; LTV 75.01–80%; amortization up to 25 years; AB, BC, MB, NB, NL, NS, ON, PE, SK. Minimum credit score 721.  Property value up to $999,999.99. Firm standard transfers only; pre-approvals and collateral transfers excluded. Remaining amortization cannot increase; no covenant changes. Owner-occupied 1–4 units. Credit threshold must be met by at least one applicant. Existing insurance/insurability and lender underwriting requirements apply. No broker bonus or buy-down is included. Subject to lender approval.","ratesUpdatedAt":"2026-10-13T12:33:02+00:00","effectiveFrom":"2026-10-08","effectiveTo":"2026-10-20","rateEvidence":{"sourceType":"email","verifiedAt":"2026-10-13T12:33:02+00:00","expiresAt":"2026-10-20T12:33:02.000Z","rateKind":"broker","publicUrl":null},"conditions":{"transactions":["PURCHASE","RENEWAL"],"occupancies":["OWNER","OWNER_PLUS_RENTAL","SECOND_HOME"],"pricingCategory":"INSURABLE","ltvMin":75.01,"ltvMax":80,"mortgageAmountMin":100001,"mortgageAmountMax":99999999.99,"propertyValueMin":1,"propertyValueMax":999999,"amortizationMaxYears":25,"firstTimeBuyerOnly":false,"newBuildOnly":false,"switchOnly":false,"programMode":"standard","program":{"propertyValueMax":999999.99,"amortizationMaxYears":25,"beaconMin":721,"transactions":["RENEWAL"],"occupancies":["OWNER"],"regions":["AB","BC","MB","NB","NL","NS","ON","PE","SK"],"programs":null}}},{"rateId":"64295b8c-864a-44fb-9fda-96f06a5f35d4","isPromo":false,"lender":"Strive Capital","lenderSlug":"strive-capital","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/strive-capital/1764885553994.png","product":"Insurable 70.01–75% LTV","ratePercent":5.04,"aprPercent":5.04,"aprBasis":"advertised_rate_assumption","rateType":"FIXED","termYears":3,"pricingBucket":"INSURABLE","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Low-ratio insurable"],"notes":"Strive posted fixed mortgage rate; 70.01-75%; 70.01-75%; 3 Year.","ratesUpdatedAt":"2026-10-17T13:07:02.322+00:00","effectiveFrom":"2026-10-08","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:07:01.745Z","expiresAt":"2026-10-19T01:07:01.745Z","rateKind":"client","publicUrl":"https://www.strivecapital.ca/mortgage-rates/"},"conditions":{"transactions":["PURCHASE","RENEWAL"],"occupancies":["OWNER","OWNER_PLUS_RENTAL","SECOND_HOME"],"pricingCategory":"INSURABLE","ltvMin":70.01,"ltvMax":75,"mortgageAmountMin":0,"mortgageAmountMax":99999999.99,"propertyValueMin":1,"propertyValueMax":999999,"amortizationMaxYears":25,"firstTimeBuyerOnly":false,"newBuildOnly":false,"switchOnly":false,"programMode":"standard","program":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"65193c21-310a-434c-8bc0-dadb4d948e2d","isPromo":false,"lender":"Strive Capital","lenderSlug":"strive-capital","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/strive-capital/1764885553994.png","product":"Insurable 65.01–90% LTV","ratePercent":5.04,"aprPercent":5.04,"aprBasis":"advertised_rate_assumption","rateType":"FIXED","termYears":3,"pricingBucket":"INSURABLE","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Low-ratio insurable"],"notes":"Strive posted fixed mortgage rate; 65.01-70%; 65.01-70%; 3 Year.","ratesUpdatedAt":"2026-10-17T13:07:02.322+00:00","effectiveFrom":"2026-10-08","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:07:01.745Z","expiresAt":"2026-10-19T01:07:01.745Z","rateKind":"client","publicUrl":"https://www.strivecapital.ca/mortgage-rates/"},"conditions":{"transactions":["PURCHASE","RENEWAL"],"occupancies":["OWNER","OWNER_PLUS_RENTAL","SECOND_HOME"],"pricingCategory":"INSURABLE","ltvMin":65.01,"ltvMax":90,"mortgageAmountMin":0,"mortgageAmountMax":99999999.99,"propertyValueMin":null,"propertyValueMax":null,"amortizationMaxYears":25,"firstTimeBuyerOnly":false,"newBuildOnly":false,"switchOnly":false,"programMode":"standard","program":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"7d4357ab-d0af-48d1-803e-9cf534cb64e3","isPromo":false,"lender":"Strive Capital","lenderSlug":"strive-capital","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/strive-capital/1764885553994.png","product":"Insurable 75.01–80% LTV","ratePercent":5.04,"aprPercent":5.04,"aprBasis":"advertised_rate_assumption","rateType":"FIXED","termYears":3,"pricingBucket":"INSURABLE","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Low-ratio insurable"],"notes":"Strive posted fixed mortgage rate; 75.01-80%; 75.01-80%; 3 Year.","ratesUpdatedAt":"2026-10-17T13:07:02.322+00:00","effectiveFrom":"2026-10-08","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:07:01.745Z","expiresAt":"2026-10-19T01:07:01.745Z","rateKind":"client","publicUrl":"https://www.strivecapital.ca/mortgage-rates/"},"conditions":{"transactions":["PURCHASE","RENEWAL"],"occupancies":["OWNER","OWNER_PLUS_RENTAL","SECOND_HOME"],"pricingCategory":"INSURABLE","ltvMin":75.01,"ltvMax":80,"mortgageAmountMin":0,"mortgageAmountMax":99999999.99,"propertyValueMin":1,"propertyValueMax":999999,"amortizationMaxYears":25,"firstTimeBuyerOnly":false,"newBuildOnly":false,"switchOnly":false,"programMode":"standard","program":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"8a553d49-6a2e-4103-9bb5-caedfe6d5267","isPromo":false,"lender":"Strive Capital","lenderSlug":"strive-capital","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/strive-capital/1764885553994.png","product":"Insurable 70.01–75% LTV","ratePercent":5.04,"aprPercent":5.04,"aprBasis":"advertised_rate_assumption","rateType":"FIXED","termYears":3,"pricingBucket":"INSURABLE","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Low-ratio insurable"],"notes":"Verified lender email offer; 36 month fixed; LTV 70.01–75%; amortization up to 25 years; AB, BC, MB, NB, NL, NS, ON, PE, SK. Minimum credit score 721.  Property value up to $999,999.99. Firm standard transfers only; pre-approvals and collateral transfers excluded. Remaining amortization cannot increase; no covenant changes. Owner-occupied 1–4 units. Credit threshold must be met by at least one applicant. Existing insurance/insurability and lender underwriting requirements apply. No broker bonus or buy-down is included. Subject to lender approval.","ratesUpdatedAt":"2026-10-13T12:33:02+00:00","effectiveFrom":"2026-10-08","effectiveTo":"2026-10-20","rateEvidence":{"sourceType":"email","verifiedAt":"2026-10-13T12:33:02+00:00","expiresAt":"2026-10-20T12:33:02.000Z","rateKind":"broker","publicUrl":null},"conditions":{"transactions":["PURCHASE","RENEWAL"],"occupancies":["OWNER","OWNER_PLUS_RENTAL","SECOND_HOME"],"pricingCategory":"INSURABLE","ltvMin":70.01,"ltvMax":75,"mortgageAmountMin":100001,"mortgageAmountMax":99999999.99,"propertyValueMin":1,"propertyValueMax":999999,"amortizationMaxYears":25,"firstTimeBuyerOnly":false,"newBuildOnly":false,"switchOnly":false,"programMode":"standard","program":{"propertyValueMax":999999.99,"amortizationMaxYears":25,"beaconMin":721,"transactions":["RENEWAL"],"occupancies":["OWNER"],"regions":["AB","BC","MB","NB","NL","NS","ON","PE","SK"],"programs":null}}},{"rateId":"ba8cba02-c4c7-4b53-a9c1-255cfa7fe5e7","isPromo":false,"lender":"BMO Bank of Montreal","lenderSlug":"bmo","lenderLogoUrl":null,"product":"Special over 25 yr","ratePercent":5.04,"aprPercent":5.07,"aprBasis":"lender_reported","rateType":"FIXED","termYears":3,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"BMO public special mortgage rate; 3 year fixed closed; amortization over 25 years.","ratesUpdatedAt":"2026-10-17T13:04:44.992+00:00","effectiveFrom":"2026-10-17","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:04:44.882Z","expiresAt":"2026-10-19T01:04:44.882Z","rateKind":null,"publicUrl":"https://www.bmo.com/en-ca/main/personal/mortgages/mortgage-rates/"},"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":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"f6151dbd-8691-46fb-9c6e-adb4fd5751b8","isPromo":false,"lender":"CIBC","lenderSlug":"cibc","lenderLogoUrl":null,"product":"Uninsured – 25 yr","ratePercent":5.09,"aprPercent":5.11,"aprBasis":"lender_reported","rateType":"FIXED","termYears":3,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"CIBC public special offer; 3 years; up to 25 year amortization. Subject to lender approval.","ratesUpdatedAt":"2026-10-17T13:04:48.009+00:00","effectiveFrom":"2026-10-17","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:04:47.928Z","expiresAt":"2026-10-19T01:04:47.928Z","rateKind":"client","publicUrl":"https://www.cibc.com/en/interest-rates/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"],"occupancies":["OWNER"],"regions":null,"programs":null}}},{"rateId":"325bcac2-7d30-46c2-9f51-407ca77e9483","isPromo":false,"lender":"Home Trust","lenderSlug":"home-trust","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/home-trust/1765658036936.png","product":"Insured","ratePercent":5.12,"aprPercent":5.12,"aprBasis":"advertised_rate_assumption","rateType":"FIXED","termYears":3,"pricingBucket":"INSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["High-ratio insured"],"notes":"Home Trust Accelerator Mortgage posted insured fixed rate; 3 year.","ratesUpdatedAt":"2026-10-17T13:05:18.527+00:00","effectiveFrom":"2026-09-29","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:05:18.449Z","expiresAt":"2026-10-19T01:05:18.449Z","rateKind":"posted","publicUrl":"https://www.hometrust.ca/mortgages/rates/"},"conditions":{"transactions":["PURCHASE","RENEWAL"],"occupancies":["OWNER"],"pricingCategory":"INSURED","ltvMin":80.01,"ltvMax":95,"mortgageAmountMin":0,"mortgageAmountMax":99999999.99,"propertyValueMin":1,"propertyValueMax":1500000,"amortizationMaxYears":25,"firstTimeBuyerOnly":false,"newBuildOnly":false,"switchOnly":false,"programMode":"standard","program":{"transactions":null,"occupancies":null,"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":"93809993-4f9d-48b2-8267-7ae42a919f0c","isPromo":true,"lender":"CoastCapital Savings","lenderSlug":"coastcapital-savings","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/coastcapital-savings/1765743863731.png","product":"Uninsured – 30 yr","ratePercent":5.14,"aprPercent":5.14,"aprBasis":"advertised_rate_assumption","rateType":"FIXED","termYears":3,"pricingBucket":"UNINSURED","amortizationMaxYears":30,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured","Promotional"],"notes":"3-Year Fixed Rate - Closed (more than 25-year amortization).","ratesUpdatedAt":"2026-10-17T13:04:51.159+00:00","effectiveFrom":"2026-10-13","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:04:51.052Z","expiresAt":"2026-10-19T01:04:51.052Z","rateKind":"client","publicUrl":"https://www.coastcapitalsavings.com/brokers/rates"},"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":1,"propertyValueMax":5000000,"amortizationMaxYears":30,"firstTimeBuyerOnly":false,"newBuildOnly":false,"switchOnly":false,"programMode":"standard","program":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"450e54a7-cae8-4edd-a6b6-f847213366cf","isPromo":false,"lender":"Manulife","lenderSlug":"manulife","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/manulife/1765745451136.png","product":"Uninsured – 25 yr","ratePercent":5.19,"aprPercent":5.19,"aprBasis":"advertised_rate_assumption","rateType":"FIXED","termYears":3,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"Manulife Bank Select posted closed fixed mortgage rate; 3-year.","ratesUpdatedAt":"2026-10-17T13:05:21.825+00:00","effectiveFrom":"2026-10-17","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:05:21.750Z","expiresAt":"2026-10-19T01:05:21.750Z","rateKind":"client","publicUrl":"https://www.manulifebank.ca/current-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":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"68b4c8a7-165d-4393-a13f-0ab357f06d3e","isPromo":false,"lender":"MCAN Home - Precision Prime for Insured","lenderSlug":"mcan-home-precision-prime-for-insured","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/mcan-home-precision-prime-for-insured/1765658080574.png","product":"Insurable 65.01–90% LTV","ratePercent":5.24,"aprPercent":5.24,"aprBasis":"advertised_rate_assumption","rateType":"FIXED","termYears":3,"pricingBucket":"INSURABLE","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Low-ratio insurable"],"notes":"MCAN Precision Prime fixed broker rate; 3 Year; LTV 65.01-70%; Purchase.","ratesUpdatedAt":"2026-10-17T13:05:41.106+00:00","effectiveFrom":"2026-10-07","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:05:40.972Z","expiresAt":"2026-10-19T01:05:40.972Z","rateKind":"broker","publicUrl":"https://mcanfinancial.com/our-businesses/mcan-home/broker-resources/"},"conditions":{"transactions":["PURCHASE","RENEWAL"],"occupancies":["OWNER","OWNER_PLUS_RENTAL","SECOND_HOME"],"pricingCategory":"INSURABLE","ltvMin":65.01,"ltvMax":90,"mortgageAmountMin":0,"mortgageAmountMax":99999999.99,"propertyValueMin":null,"propertyValueMax":null,"amortizationMaxYears":25,"firstTimeBuyerOnly":false,"newBuildOnly":false,"switchOnly":false,"programMode":"standard","program":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"9ff00ced-c27d-4301-a8c7-705a7bd54ee3","isPromo":false,"lender":"WealthONE Bank","lenderSlug":"wealthone-bank","lenderLogoUrl":null,"product":"Uninsured – 25 yr","ratePercent":5.25,"aprPercent":5.25,"aprBasis":"advertised_rate_assumption","rateType":"VARIABLE","termYears":3,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"WealthONE broker base variable mortgage rate; 3 Year.","ratesUpdatedAt":"2026-10-17T13:07:06.455+00:00","effectiveFrom":"2026-10-15","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:07:06.383Z","expiresAt":"2026-10-19T01:07:06.383Z","rateKind":"client","publicUrl":"https://www.wealthonebankofcanada.com/Documents/WealthONE_Mortgage_Broker_Rate_Sheet.pdf"},"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":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"1635d30f-1170-4cd9-bcd3-38793b9431bb","isPromo":false,"lender":"First National Financial","lenderSlug":"first-national-financial","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/first-national-financial/1765658021964.png","product":"Insured","ratePercent":5.28,"aprPercent":5.28,"aprBasis":"advertised_rate_assumption","rateType":"FIXED","termYears":3,"pricingBucket":"INSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["High-ratio insured"],"notes":"First National posted fixed closed mortgage rate; Insured; 3 year.","ratesUpdatedAt":"2026-10-17T13:05:15.139+00:00","effectiveFrom":"2026-10-16","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:05:15.054Z","expiresAt":"2026-10-19T01:05:15.054Z","rateKind":"posted","publicUrl":"https://www.firstnational.ca/residential/mortgage-rates"},"conditions":{"transactions":["PURCHASE","RENEWAL"],"occupancies":["OWNER"],"pricingCategory":"INSURED","ltvMin":80.01,"ltvMax":95,"mortgageAmountMin":0,"mortgageAmountMax":99999999.99,"propertyValueMin":1,"propertyValueMax":1500000,"amortizationMaxYears":25,"firstTimeBuyerOnly":false,"newBuildOnly":false,"switchOnly":false,"programMode":"standard","program":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"c3410816-8223-4928-a6cd-c1b26340fb91","isPromo":false,"lender":"First National Financial","lenderSlug":"first-national-financial","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/first-national-financial/1765658021964.png","product":"Uninsured – 25 yr","ratePercent":5.28,"aprPercent":5.28,"aprBasis":"advertised_rate_assumption","rateType":"FIXED","termYears":3,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"First National posted fixed closed mortgage rate; Conventional; 3 year.","ratesUpdatedAt":"2026-10-17T13:05:15.139+00:00","effectiveFrom":"2026-10-16","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:05:15.054Z","expiresAt":"2026-10-19T01:05:15.054Z","rateKind":"posted","publicUrl":"https://www.firstnational.ca/residential/mortgage-rates"},"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":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"d73448ad-fc5b-440f-afcc-c101381a1453","isPromo":false,"lender":"First National Financial","lenderSlug":"first-national-financial","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/first-national-financial/1765658021964.png","product":"Insurable ≤65% LTV","ratePercent":5.28,"aprPercent":5.28,"aprBasis":"advertised_rate_assumption","rateType":"FIXED","termYears":3,"pricingBucket":"INSURABLE","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Low-ratio insurable"],"notes":"First National posted fixed closed mortgage rate; Insurable up to 65% LTV; 3 year.","ratesUpdatedAt":"2026-10-17T13:05:15.139+00:00","effectiveFrom":"2026-10-16","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:05:15.054Z","expiresAt":"2026-10-19T01:05:15.054Z","rateKind":"posted","publicUrl":"https://www.firstnational.ca/residential/mortgage-rates"},"conditions":{"transactions":["PURCHASE","RENEWAL"],"occupancies":["OWNER","OWNER_PLUS_RENTAL","SECOND_HOME"],"pricingCategory":"INSURABLE","ltvMin":0,"ltvMax":65,"mortgageAmountMin":0,"mortgageAmountMax":99999999.99,"propertyValueMin":1,"propertyValueMax":999999,"amortizationMaxYears":25,"firstTimeBuyerOnly":false,"newBuildOnly":false,"switchOnly":false,"programMode":"standard","program":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"1e5fcf32-7f83-4596-937b-731c94c7336c","isPromo":false,"lender":"MCAN Home - Precision Prime for Insured","lenderSlug":"mcan-home-precision-prime-for-insured","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/mcan-home-precision-prime-for-insured/1765658080574.png","product":"Insurable 70.01–75% LTV","ratePercent":5.29,"aprPercent":5.29,"aprBasis":"advertised_rate_assumption","rateType":"FIXED","termYears":3,"pricingBucket":"INSURABLE","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Low-ratio insurable"],"notes":"MCAN Precision Prime fixed broker rate; 3 Year; LTV 70.01-75%; Purchase.","ratesUpdatedAt":"2026-10-17T13:05:41.106+00:00","effectiveFrom":"2026-10-07","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:05:40.972Z","expiresAt":"2026-10-19T01:05:40.972Z","rateKind":"broker","publicUrl":"https://mcanfinancial.com/our-businesses/mcan-home/broker-resources/"},"conditions":{"transactions":["PURCHASE","RENEWAL"],"occupancies":["OWNER","OWNER_PLUS_RENTAL","SECOND_HOME"],"pricingCategory":"INSURABLE","ltvMin":70.01,"ltvMax":75,"mortgageAmountMin":0,"mortgageAmountMax":99999999.99,"propertyValueMin":1,"propertyValueMax":999999,"amortizationMaxYears":25,"firstTimeBuyerOnly":false,"newBuildOnly":false,"switchOnly":false,"programMode":"standard","program":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"1285a305-785a-4d17-8631-0a28fd17c03d","isPromo":false,"lender":"MCAN Home - Precision Prime for Insured","lenderSlug":"mcan-home-precision-prime-for-insured","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/mcan-home-precision-prime-for-insured/1765658080574.png","product":"Insurable 75.01–80% LTV","ratePercent":5.34,"aprPercent":5.34,"aprBasis":"advertised_rate_assumption","rateType":"FIXED","termYears":3,"pricingBucket":"INSURABLE","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Low-ratio insurable"],"notes":"MCAN Precision Prime fixed broker rate; 3 Year; LTV 75.01-80%; Purchase.","ratesUpdatedAt":"2026-10-17T13:05:41.106+00:00","effectiveFrom":"2026-10-07","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:05:40.972Z","expiresAt":"2026-10-19T01:05:40.972Z","rateKind":"broker","publicUrl":"https://mcanfinancial.com/our-businesses/mcan-home/broker-resources/"},"conditions":{"transactions":["PURCHASE","RENEWAL"],"occupancies":["OWNER","OWNER_PLUS_RENTAL","SECOND_HOME"],"pricingCategory":"INSURABLE","ltvMin":75.01,"ltvMax":80,"mortgageAmountMin":0,"mortgageAmountMax":99999999.99,"propertyValueMin":1,"propertyValueMax":999999,"amortizationMaxYears":25,"firstTimeBuyerOnly":false,"newBuildOnly":false,"switchOnly":false,"programMode":"standard","program":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"43ed8bb8-fce3-40a3-880d-14c47da48bf1","isPromo":false,"lender":"Strive Capital","lenderSlug":"strive-capital","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/strive-capital/1764885553994.png","product":"Uninsured – 25 yr","ratePercent":5.39,"aprPercent":5.39,"aprBasis":"advertised_rate_assumption","rateType":"FIXED","termYears":3,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"Strive posted fixed mortgage rate; Uninsurable Purchase, Refinance, Transfer; Up to 80%; 3 Year.","ratesUpdatedAt":"2026-10-17T13:07:02.322+00:00","effectiveFrom":"2026-10-08","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:07:01.745Z","expiresAt":"2026-10-19T01:07:01.745Z","rateKind":"client","publicUrl":"https://www.strivecapital.ca/mortgage-rates/"},"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":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"e5c60c7a-8b24-416d-8eec-09e0838fc204","isPromo":false,"lender":"MCAN Home - Discover Alternative for Uninsured","lenderSlug":"mcan-home-discover-alternative-for-uninsured","lenderLogoUrl":"https://dn897oeow7yel.cloudfront.net/images/qPPcF7eK43By1fo4A4rb72xbZj3b72aRWH61Zo9a.png","product":"Uninsured – 25 yr","ratePercent":5.39,"aprPercent":5.39,"aprBasis":"advertised_rate_assumption","rateType":"FIXED","termYears":3,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"MCAN Discover Alternative fixed broker rate; 3 Year; LTV <=80%.","ratesUpdatedAt":"2026-10-17T13:05:33.654+00:00","effectiveFrom":"2026-10-10","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:05:33.537Z","expiresAt":"2026-10-19T01:05:33.537Z","rateKind":"broker","publicUrl":"https://mcanfinancial.com/our-businesses/mcan-home/broker-resources/"},"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":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"c59a7c3d-98d1-4b05-9fcd-911bbafcea90","isPromo":false,"lender":"CMLS Financial","lenderSlug":"cmls-financial","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/cmls-financial/1765657980138.png","product":"Uninsured – 25 yr","ratePercent":5.44,"aprPercent":5.44,"aprBasis":"advertised_rate_assumption","rateType":"FIXED","termYears":3,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"CMLS public uninsured closed fixed mortgage rate; 3 YEAR UNINSURED CLOSED.","ratesUpdatedAt":"2026-10-17T13:04:49.629+00:00","effectiveFrom":"2026-09-26","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:04:49.552Z","expiresAt":"2026-10-19T01:04:49.552Z","rateKind":"client","publicUrl":"https://www.cmls.ca/what-we-do/cmls-residential/mortgage-rates"},"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":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"2a434792-419f-4af3-894d-1ed27c84a65f","isPromo":false,"lender":"First National Excalibur","lenderSlug":"first-national-excalibur","lenderLogoUrl":"https://dn897oeow7yel.cloudfront.net/images/SsEsFjl6jXIYFLbS4RRNPZxtKaVxTBffZ5iHcs25.png","product":"Excalibur 680+","ratePercent":5.49,"aprPercent":5.49,"aprBasis":"advertised_rate_assumption","rateType":"FIXED","termYears":3,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"First National Excalibur posted fixed mortgage rate; credit score band 680+; 3 Year.","ratesUpdatedAt":"2026-10-17T13:05:13.273+00:00","effectiveFrom":"2026-10-16","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:05:13.195Z","expiresAt":"2026-10-19T01:05:13.195Z","rateKind":"posted","publicUrl":"https://www.firstnational.ca/residential/mortgage-rates"},"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":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"aad4cda2-1db9-46e3-806b-1451d0e8422b","isPromo":false,"lender":"Home Trust","lenderSlug":"home-trust","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/home-trust/1765658036936.png","product":"Uninsured – 25 yr","ratePercent":5.49,"aprPercent":5.49,"aprBasis":"advertised_rate_assumption","rateType":"FIXED","termYears":3,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"Home Trust Classic Mortgage posted alternative fixed rate; 3 year.","ratesUpdatedAt":"2026-10-17T13:05:18.527+00:00","effectiveFrom":"2026-10-06","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:05:18.449Z","expiresAt":"2026-10-19T01:05:18.449Z","rateKind":"posted","publicUrl":"https://www.hometrust.ca/mortgages/rates/"},"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":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"39b30b4d-ccca-43cc-a280-3fb06fd88d67","isPromo":false,"lender":"WealthONE Bank","lenderSlug":"wealthone-bank","lenderLogoUrl":null,"product":"Uninsured – 25 yr","ratePercent":5.69,"aprPercent":5.69,"aprBasis":"advertised_rate_assumption","rateType":"FIXED","termYears":3,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"WealthONE broker base fixed mortgage rate; 3 Year.","ratesUpdatedAt":"2026-10-17T13:07:06.455+00:00","effectiveFrom":"2026-10-15","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:07:06.383Z","expiresAt":"2026-10-19T01:07:06.383Z","rateKind":"client","publicUrl":"https://www.wealthonebankofcanada.com/Documents/WealthONE_Mortgage_Broker_Rate_Sheet.pdf"},"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":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"7514e457-48b4-4ff5-982d-bc0ed4993c15","isPromo":false,"lender":"First National Excalibur","lenderSlug":"first-national-excalibur","lenderLogoUrl":"https://dn897oeow7yel.cloudfront.net/images/SsEsFjl6jXIYFLbS4RRNPZxtKaVxTBffZ5iHcs25.png","product":"Excalibur 650-679","ratePercent":5.74,"aprPercent":5.74,"aprBasis":"advertised_rate_assumption","rateType":"FIXED","termYears":3,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"First National Excalibur posted fixed mortgage rate; credit score band 650-679; 3 Year.","ratesUpdatedAt":"2026-10-17T13:05:13.273+00:00","effectiveFrom":"2026-10-16","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:05:13.195Z","expiresAt":"2026-10-19T01:05:13.195Z","rateKind":"posted","publicUrl":"https://www.firstnational.ca/residential/mortgage-rates"},"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":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"33e05b89-3a8f-4cd3-83c6-b0dfbcdaaf80","isPromo":false,"lender":"Scotiabank","lenderSlug":"scotiabank","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/scotiabank/1764874923259.png","product":"Posted Variable","ratePercent":5.95,"aprPercent":5.95,"aprBasis":"advertised_rate_assumption","rateType":"VARIABLE","termYears":3,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"Scotiabank public posted variable mortgage rate; Scotia Ultimate Variable Rate Mortgage; 3 year closed term.","ratesUpdatedAt":"2026-10-17T13:06:01.155+00:00","effectiveFrom":"2026-10-17","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:06:01.017Z","expiresAt":"2026-10-19T01:06:01.017Z","rateKind":"posted","publicUrl":"https://www.scotiabank.com/ca/en/personal/rates-prices/mortgages-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":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"69ae06fc-e645-45cf-abf5-103f973a2441","isPromo":false,"lender":"First National Excalibur","lenderSlug":"first-national-excalibur","lenderLogoUrl":"https://dn897oeow7yel.cloudfront.net/images/SsEsFjl6jXIYFLbS4RRNPZxtKaVxTBffZ5iHcs25.png","product":"Excalibur 600-649","ratePercent":5.99,"aprPercent":5.99,"aprBasis":"advertised_rate_assumption","rateType":"FIXED","termYears":3,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"First National Excalibur posted fixed mortgage rate; credit score band 600-649; 3 Year.","ratesUpdatedAt":"2026-10-17T13:05:13.273+00:00","effectiveFrom":"2026-10-16","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:05:13.195Z","expiresAt":"2026-10-19T01:05:13.195Z","rateKind":"posted","publicUrl":"https://www.firstnational.ca/residential/mortgage-rates"},"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":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"97d03ddc-8e2f-4384-abca-ab3d0ceaf8dc","isPromo":false,"lender":"Desjardins","lenderSlug":"desjardins","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/desjardins/1765658000743.png","product":"Uninsured – 25 yr","ratePercent":6.04,"aprPercent":6.04,"aprBasis":"advertised_rate_assumption","rateType":"FIXED","termYears":3,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"Desjardins posted closed fixed mortgage rate; 3 years.","ratesUpdatedAt":"2026-10-17T13:05:00.759+00:00","effectiveFrom":"2026-10-17","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:05:00.684Z","expiresAt":"2026-10-19T01:05:00.684Z","rateKind":"client","publicUrl":"https://www.desjardins.com/en/mortgage/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":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"686201e6-4f57-460d-b6c8-613dc25a7f4d","isPromo":false,"lender":"Scotiabank","lenderSlug":"scotiabank","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/scotiabank/1764874923259.png","product":"Posted Fixed","ratePercent":6.05,"aprPercent":6.05,"aprBasis":"advertised_rate_assumption","rateType":"FIXED","termYears":3,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"Scotiabank public posted closed fixed mortgage rate; 3 year.","ratesUpdatedAt":"2026-10-17T13:06:01.155+00:00","effectiveFrom":"2026-10-17","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:06:01.017Z","expiresAt":"2026-10-19T01:06:01.017Z","rateKind":"posted","publicUrl":"https://www.scotiabank.com/ca/en/personal/rates-prices/mortgages-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":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"9c43d26a-fad8-4f36-b15d-53b770545e32","isPromo":false,"lender":"BMO Bank of Montreal","lenderSlug":"bmo","lenderLogoUrl":null,"product":"Posted Fixed over 25 yr","ratePercent":6.05,"aprPercent":6.08,"aprBasis":"lender_reported","rateType":"FIXED","termYears":3,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"BMO public posted mortgage rate; 3 year (closed); amortization over 25 yr.","ratesUpdatedAt":"2026-10-17T13:04:44.992+00:00","effectiveFrom":"2026-10-17","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:04:44.882Z","expiresAt":"2026-10-19T01:04:44.882Z","rateKind":null,"publicUrl":"https://www.bmo.com/en-ca/main/personal/mortgages/mortgage-rates/"},"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":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"b97161eb-2c9e-47ab-a526-baecc2718fe3","isPromo":false,"lender":"BMO Bank of Montreal","lenderSlug":"bmo","lenderLogoUrl":null,"product":"Posted Fixed under 25 yr","ratePercent":6.05,"aprPercent":6.08,"aprBasis":"lender_reported","rateType":"FIXED","termYears":3,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"BMO public posted mortgage rate; 3 year (closed); amortization under 25 yr.","ratesUpdatedAt":"2026-10-17T13:04:44.992+00:00","effectiveFrom":"2026-10-17","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:04:44.882Z","expiresAt":"2026-10-19T01:04:44.882Z","rateKind":null,"publicUrl":"https://www.bmo.com/en-ca/main/personal/mortgages/mortgage-rates/"},"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":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"fd9c4565-07ea-4313-bc00-0cc7379781a0","isPromo":false,"lender":"B2B Bank","lenderSlug":"b2b-bank","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/b2b-bank/1765657408091.png","product":"Uninsured – 25 yr","ratePercent":6.09,"aprPercent":6.13,"aprBasis":"lender_reported","rateType":"FIXED","termYears":3,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"B2B Bank posted fixed mortgage rate; 3-year closed.","ratesUpdatedAt":"2026-10-17T13:04:41.379+00:00","effectiveFrom":"2026-03-14","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:04:41.290Z","expiresAt":"2026-10-19T01:04:41.290Z","rateKind":"posted","publicUrl":"https://b2bbank.com/en/advisor-broker-rates/mortgage-rates"},"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":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"96c03d19-a48a-4380-9558-da793e087248","isPromo":false,"lender":"Equitable Alternative Solutions","lenderSlug":"equitable-alternative-solutions","lenderLogoUrl":"https://supabase.pragmatic.mortgage/storage/v1/object/public/branding/lenders/equitable-alternative-solutions/1765745534739.png","product":"Uninsured – 25 yr","ratePercent":5.49,"aprPercent":6.172,"aprBasis":"lender_reported","rateType":"FIXED","termYears":3,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"EQ Bank posted Standard Mortgage Rate (Closed); 3 Year fixed.","ratesUpdatedAt":"2026-10-17T13:05:11.099+00:00","effectiveFrom":"2026-10-17","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:05:10.955Z","expiresAt":"2026-10-19T01:05:10.955Z","rateKind":"client","publicUrl":"https://www.eqbank.ca/residential/mortgage-rates"},"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":{"transactions":null,"occupancies":null,"regions":["ON"],"programs":null}}},{"rateId":"c03736b1-a62e-4ab5-92c2-5484bb00f7f2","isPromo":false,"lender":"First National Excalibur","lenderSlug":"first-national-excalibur","lenderLogoUrl":"https://dn897oeow7yel.cloudfront.net/images/SsEsFjl6jXIYFLbS4RRNPZxtKaVxTBffZ5iHcs25.png","product":"Excalibur 580-599","ratePercent":6.24,"aprPercent":6.24,"aprBasis":"advertised_rate_assumption","rateType":"FIXED","termYears":3,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"First National Excalibur posted fixed mortgage rate; credit score band 580-599; 3 Year.","ratesUpdatedAt":"2026-10-17T13:05:13.273+00:00","effectiveFrom":"2026-10-16","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:05:13.195Z","expiresAt":"2026-10-19T01:05:13.195Z","rateKind":"posted","publicUrl":"https://www.firstnational.ca/residential/mortgage-rates"},"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":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"708d258e-6bd2-4188-8fd2-02d80ab2a06b","isPromo":false,"lender":"First National Excalibur","lenderSlug":"first-national-excalibur","lenderLogoUrl":"https://dn897oeow7yel.cloudfront.net/images/SsEsFjl6jXIYFLbS4RRNPZxtKaVxTBffZ5iHcs25.png","product":"Excalibur <580","ratePercent":6.49,"aprPercent":6.49,"aprBasis":"advertised_rate_assumption","rateType":"FIXED","termYears":3,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"First National Excalibur posted fixed mortgage rate; credit score band <580; 3 Year.","ratesUpdatedAt":"2026-10-17T13:05:13.273+00:00","effectiveFrom":"2026-10-16","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:05:13.195Z","expiresAt":"2026-10-19T01:05:13.195Z","rateKind":"posted","publicUrl":"https://www.firstnational.ca/residential/mortgage-rates"},"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":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"95a2e798-0cb8-4268-82fb-38944353523c","isPromo":false,"lender":"BMO Bank of Montreal","lenderSlug":"bmo","lenderLogoUrl":null,"product":"Posted Variable over 25 yr","ratePercent":7.75,"aprPercent":7.78,"aprBasis":"lender_reported","rateType":"VARIABLE","termYears":3,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"BMO public posted mortgage rate; 3 year (open); amortization over 25 yr.","ratesUpdatedAt":"2026-10-17T13:04:44.992+00:00","effectiveFrom":"2026-10-17","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:04:44.882Z","expiresAt":"2026-10-19T01:04:44.882Z","rateKind":null,"publicUrl":"https://www.bmo.com/en-ca/main/personal/mortgages/mortgage-rates/"},"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":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"f2ac09d9-06a4-49d8-b33a-d55720576df1","isPromo":false,"lender":"BMO Bank of Montreal","lenderSlug":"bmo","lenderLogoUrl":null,"product":"Posted Variable under 25 yr","ratePercent":7.75,"aprPercent":7.78,"aprBasis":"lender_reported","rateType":"VARIABLE","termYears":3,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"BMO public posted mortgage rate; 3 year (open); amortization under 25 yr.","ratesUpdatedAt":"2026-10-17T13:04:44.992+00:00","effectiveFrom":"2026-10-17","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:04:44.882Z","expiresAt":"2026-10-19T01:04:44.882Z","rateKind":null,"publicUrl":"https://www.bmo.com/en-ca/main/personal/mortgages/mortgage-rates/"},"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":{"transactions":null,"occupancies":null,"regions":null,"programs":null}}},{"rateId":"de721ad6-8d66-44f3-837b-27614b5b6507","isPromo":false,"lender":"CWB Optimum Mortgage (Alternative Lending)","lenderSlug":"cwb-optimum-mortgage-alternative-lending","lenderLogoUrl":"https://dn897oeow7yel.cloudfront.net/images/PU2QoIAI4ByCRlWTwAx8zCTnzzxSC88Ag0noRIpJ.png","product":"Uninsured – 25 yr","ratePercent":7.59,"aprPercent":8.12,"aprBasis":"lender_reported","rateType":"FIXED","termYears":3,"pricingBucket":"UNINSURED","amortizationMaxYears":25,"rateHoldDays":null,"rateHoldLabel":null,"specialTags":["Conventional / uninsured"],"notes":"National Bank Optimum Alternative posted fixed-rate loan; 3 years.","ratesUpdatedAt":"2026-10-17T13:04:59.649+00:00","effectiveFrom":"2026-10-17","effectiveTo":null,"rateEvidence":{"sourceType":"public","verifiedAt":"2026-10-17T13:04:59.572Z","expiresAt":"2026-10-19T01:04:59.572Z","rateKind":"posted","publicUrl":"https://www.nbc.ca/rates/alt-a-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":{"transactions":null,"occupancies":null,"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."}