{"generatedAt":"2026-10-03T23:50:20.747Z","notice":"Current catalogue examples for owner-occupied British Columbia properties. Rates match the stated example scenarios, not your personal eligibility. This is not every lender product or a whole-market best-rate claim. Insurance, underwriting, fees and lender conditions apply. A rate hold does not extend an offer's availability.","examples":[{"id":"insured-purchase","label":"Insured purchase: $750,000 home, $75,000 down, 25-year amortization","scenario":{"transaction":"PURCHASE","priceOrValue":750000,"downPaymentAmount":75000,"amortizationYears":25,"occupancy":"OWNER","province":"BC","isFirstTimeBuyer":false,"isNewConstruction":false,"programMode":"any"}},{"id":"conventional-purchase","label":"20% down purchase: $750,000 home, $150,000 down, 25-year amortization","scenario":{"transaction":"PURCHASE","priceOrValue":750000,"downPaymentAmount":150000,"amortizationYears":25,"occupancy":"OWNER","province":"BC","isFirstTimeBuyer":false,"isNewConstruction":false,"programMode":"any"}},{"id":"conventional-purchase-30","label":"20% down purchase: $750,000 home, $150,000 down, 30-year amortization","scenario":{"transaction":"PURCHASE","priceOrValue":750000,"downPaymentAmount":150000,"amortizationYears":30,"occupancy":"OWNER","province":"BC","isFirstTimeBuyer":false,"isNewConstruction":false,"programMode":"any"}},{"id":"renewal","label":"Renewal: $750,000 home, $150,000 equity, 25-year amortization","scenario":{"transaction":"RENEWAL","priceOrValue":750000,"downPaymentAmount":null,"amortizationYears":25,"occupancy":"OWNER","province":"BC","isFirstTimeBuyer":false,"isNewConstruction":false,"programMode":"any","equityAmount":150000}},{"id":"refinance","label":"Refinance: $750,000 home, $150,000 equity, 30-year amortization","scenario":{"transaction":"REFINANCE","priceOrValue":750000,"downPaymentAmount":null,"amortizationYears":30,"occupancy":"OWNER","province":"BC","isFirstTimeBuyer":false,"isNewConstruction":false,"programMode":"any","equityAmount":150000}}],"lenders":[{"id":"42a0a31d-9f9f-4b64-b28a-dfd43d754ab1","name":"CIBC","slug":"cibc","aliases":[],"path":"/rates/lenders/cibc","offers":[{"id":"3e7ebd03-282d-4335-a56c-2655c41f39aa","lenderId":"42a0a31d-9f9f-4b64-b28a-dfd43d754ab1","product":"Insured","ratePercent":3.95,"aprPercent":3.97,"rateType":"VARIABLE","termMonths":60,"category":"INSURED","bucket":"INSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"CIBC public special offer; 5-year variable flex; insured purchase. Subject to lender approval.","verifiedAt":"2026-10-03T23:18:35.005Z","expiresAt":"2026-10-05T11:18:35.005Z","source":"public","sourceUrl":"https://www.cibc.com/en/interest-rates/mortgage-rates.html","exampleIds":["insured-purchase"]},{"id":"9f522abf-90f1-4c50-976b-4f6c9461e15e","lenderId":"42a0a31d-9f9f-4b64-b28a-dfd43d754ab1","product":"Uninsured – 25 yr","ratePercent":4.05,"aprPercent":4.07,"rateType":"VARIABLE","termMonths":36,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"CIBC public special offer; 3 years; up to 25 year amortization. Subject to lender approval.","verifiedAt":"2026-10-03T23:18:35.005Z","expiresAt":"2026-10-05T11:18:35.005Z","source":"public","sourceUrl":"https://www.cibc.com/en/interest-rates/mortgage-rates.html","exampleIds":["conventional-purchase"]},{"id":"ce95a182-94e7-4df6-9254-4e8f6412a2bb","lenderId":"42a0a31d-9f9f-4b64-b28a-dfd43d754ab1","product":"Uninsured – 25 yr","ratePercent":4.1,"aprPercent":4.12,"rateType":"VARIABLE","termMonths":60,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"CIBC public special offer; 5 years; up to 25 year amortization. Subject to lender approval.","verifiedAt":"2026-10-03T23:18:35.005Z","expiresAt":"2026-10-05T11:18:35.005Z","source":"public","sourceUrl":"https://www.cibc.com/en/interest-rates/mortgage-rates.html","exampleIds":["conventional-purchase"]},{"id":"eed2cd45-8ca1-4f8b-934e-c5d8b4731077","lenderId":"42a0a31d-9f9f-4b64-b28a-dfd43d754ab1","product":"Uninsured – 25 yr","ratePercent":4.69,"aprPercent":4.71,"rateType":"FIXED","termMonths":24,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"CIBC public special offer; 2 years; up to 25 year amortization. Subject to lender approval.","verifiedAt":"2026-10-03T23:18:35.005Z","expiresAt":"2026-10-05T11:18:35.005Z","source":"public","sourceUrl":"https://www.cibc.com/en/interest-rates/mortgage-rates.html","exampleIds":["conventional-purchase"]},{"id":"ad1790a4-371e-48ba-a0cb-b8264c4bd103","lenderId":"42a0a31d-9f9f-4b64-b28a-dfd43d754ab1","product":"Insured","ratePercent":4.79,"aprPercent":4.81,"rateType":"FIXED","termMonths":60,"category":"INSURED","bucket":"INSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"CIBC public special offer; 5-year fixed closed; insured purchase. Subject to lender approval.","verifiedAt":"2026-10-03T23:18:35.005Z","expiresAt":"2026-10-05T11:18:35.005Z","source":"public","sourceUrl":"https://www.cibc.com/en/interest-rates/mortgage-rates.html","exampleIds":["insured-purchase"]},{"id":"88b6caa6-8f1e-4d26-b131-a1f46bc8962a","lenderId":"42a0a31d-9f9f-4b64-b28a-dfd43d754ab1","product":"Uninsured – 25 yr","ratePercent":4.94,"aprPercent":4.96,"rateType":"FIXED","termMonths":12,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"CIBC public special offer; 1 year; up to 25 year amortization. Subject to lender approval.","verifiedAt":"2026-10-03T23:18:35.005Z","expiresAt":"2026-10-05T11:18:35.005Z","source":"public","sourceUrl":"https://www.cibc.com/en/interest-rates/mortgage-rates.html","exampleIds":["conventional-purchase"]},{"id":"f6151dbd-8691-46fb-9c6e-adb4fd5751b8","lenderId":"42a0a31d-9f9f-4b64-b28a-dfd43d754ab1","product":"Uninsured – 25 yr","ratePercent":4.94,"aprPercent":4.96,"rateType":"FIXED","termMonths":36,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"CIBC public special offer; 3 years; up to 25 year amortization. Subject to lender approval.","verifiedAt":"2026-10-03T23:18:35.005Z","expiresAt":"2026-10-05T11:18:35.005Z","source":"public","sourceUrl":"https://www.cibc.com/en/interest-rates/mortgage-rates.html","exampleIds":["conventional-purchase"]},{"id":"f51ec070-8977-4871-909d-678c0dde2128","lenderId":"42a0a31d-9f9f-4b64-b28a-dfd43d754ab1","product":"Uninsured – 25 yr","ratePercent":5.09,"aprPercent":5.11,"rateType":"FIXED","termMonths":48,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"CIBC public special offer; 4 years; up to 25 year amortization. Subject to lender approval.","verifiedAt":"2026-10-03T23:18:35.005Z","expiresAt":"2026-10-05T11:18:35.005Z","source":"public","sourceUrl":"https://www.cibc.com/en/interest-rates/mortgage-rates.html","exampleIds":["conventional-purchase"]},{"id":"53abcfb8-5939-4313-bdc3-66d74057a4cf","lenderId":"42a0a31d-9f9f-4b64-b28a-dfd43d754ab1","product":"Uninsured – 25 yr","ratePercent":5.14,"aprPercent":5.16,"rateType":"FIXED","termMonths":60,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"CIBC public special offer; 5 years; up to 25 year amortization. Subject to lender approval.","verifiedAt":"2026-10-03T23:18:35.005Z","expiresAt":"2026-10-05T11:18:35.005Z","source":"public","sourceUrl":"https://www.cibc.com/en/interest-rates/mortgage-rates.html","exampleIds":["conventional-purchase"]},{"id":"b0daa6df-2a9e-4041-85d2-eb12e0c39770","lenderId":"42a0a31d-9f9f-4b64-b28a-dfd43d754ab1","product":"Uninsured – 25 yr","ratePercent":5.31,"aprPercent":5.33,"rateType":"FIXED","termMonths":84,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"CIBC public special offer; 7 years; up to 25 year amortization. Subject to lender approval.","verifiedAt":"2026-10-03T23:18:35.005Z","expiresAt":"2026-10-05T11:18:35.005Z","source":"public","sourceUrl":"https://www.cibc.com/en/interest-rates/mortgage-rates.html","exampleIds":["conventional-purchase"]}]}]}