{"generatedAt":"2026-10-03T23:54:07.478Z","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":"23a64ae3-de9c-4e19-92f6-a15c5542ff13","name":"Community Savings Credit Union","slug":"community-savings-credit-union","aliases":[],"path":"/rates/lenders/community-savings-credit-union","offers":[{"id":"3614c094-a9a7-4ef4-97b0-01c9008d7048","lenderId":"23a64ae3-de9c-4e19-92f6-a15c5542ff13","product":"Uninsured – 25 yr","ratePercent":3.95,"aprPercent":3.95,"rateType":"VARIABLE","termMonths":60,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Community Savings posted variable mortgage rate; 5-Year Variable, Closed.; prime 4.45%.","verifiedAt":"2026-10-03T23:18:44.916Z","expiresAt":"2026-10-05T11:18:44.916Z","source":"public","sourceUrl":"https://www.comsavings.com/more/get-rates","exampleIds":["conventional-purchase","renewal"]},{"id":"e3ea2d84-22bc-4f19-90b0-fdc5826ca684","lenderId":"23a64ae3-de9c-4e19-92f6-a15c5542ff13","product":"Insured","ratePercent":4.34,"aprPercent":4.34,"rateType":"FIXED","termMonths":36,"category":"INSURED","bucket":"INSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Community Savings posted insured mortgage rate; 3-Year, fixed.","verifiedAt":"2026-10-03T23:18:44.916Z","expiresAt":"2026-10-05T11:18:44.916Z","source":"public","sourceUrl":"https://www.comsavings.com/more/get-rates","exampleIds":["insured-purchase"]},{"id":"a0533998-e60f-4c0e-a3a9-15c6f29c3216","lenderId":"23a64ae3-de9c-4e19-92f6-a15c5542ff13","product":"Insured","ratePercent":4.39,"aprPercent":4.39,"rateType":"FIXED","termMonths":48,"category":"INSURED","bucket":"INSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Community Savings posted insured mortgage rate; 4-Year, fixed.","verifiedAt":"2026-10-03T23:18:44.916Z","expiresAt":"2026-10-05T11:18:44.916Z","source":"public","sourceUrl":"https://www.comsavings.com/more/get-rates","exampleIds":["insured-purchase"]},{"id":"d69cbb3c-27ee-464f-88db-ed51b00c4c8f","lenderId":"23a64ae3-de9c-4e19-92f6-a15c5542ff13","product":"Insured","ratePercent":4.44,"aprPercent":4.44,"rateType":"FIXED","termMonths":60,"category":"INSURED","bucket":"INSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Community Savings posted insured mortgage rate; 5-Year, fixed.","verifiedAt":"2026-10-03T23:18:44.916Z","expiresAt":"2026-10-05T11:18:44.916Z","source":"public","sourceUrl":"https://www.comsavings.com/more/get-rates","exampleIds":["insured-purchase"]},{"id":"023ceeec-cb1f-40d6-b1f9-b8a9662a1783","lenderId":"23a64ae3-de9c-4e19-92f6-a15c5542ff13","product":"Uninsured – 25 yr","ratePercent":4.49,"aprPercent":4.49,"rateType":"FIXED","termMonths":36,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Community Savings posted closed mortgage rate; 3-Year.","verifiedAt":"2026-10-03T23:18:44.916Z","expiresAt":"2026-10-05T11:18:44.916Z","source":"public","sourceUrl":"https://www.comsavings.com/more/get-rates","exampleIds":["conventional-purchase","renewal"]},{"id":"197ba3ac-be65-432b-9ff5-f684d668b050","lenderId":"23a64ae3-de9c-4e19-92f6-a15c5542ff13","product":"Uninsured – 25 yr","ratePercent":4.54,"aprPercent":4.54,"rateType":"FIXED","termMonths":24,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Community Savings posted closed mortgage rate; 2-Year.","verifiedAt":"2026-10-03T23:18:44.916Z","expiresAt":"2026-10-05T11:18:44.916Z","source":"public","sourceUrl":"https://www.comsavings.com/more/get-rates","exampleIds":["conventional-purchase","renewal"]},{"id":"05cfd74e-cb9e-45af-a79f-249057a8e516","lenderId":"23a64ae3-de9c-4e19-92f6-a15c5542ff13","product":"Uninsured – 25 yr","ratePercent":4.54,"aprPercent":4.54,"rateType":"FIXED","termMonths":48,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Community Savings posted closed mortgage rate; 4-Year.","verifiedAt":"2026-10-03T23:18:44.916Z","expiresAt":"2026-10-05T11:18:44.916Z","source":"public","sourceUrl":"https://www.comsavings.com/more/get-rates","exampleIds":["conventional-purchase","renewal"]},{"id":"db1cf9c1-4938-490f-9bea-8ed2d6b27dcf","lenderId":"23a64ae3-de9c-4e19-92f6-a15c5542ff13","product":"Uninsured – 25 yr","ratePercent":4.59,"aprPercent":4.59,"rateType":"FIXED","termMonths":60,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Community Savings posted closed mortgage rate; 5-Year.","verifiedAt":"2026-10-03T23:18:44.916Z","expiresAt":"2026-10-05T11:18:44.916Z","source":"public","sourceUrl":"https://www.comsavings.com/more/get-rates","exampleIds":["conventional-purchase","renewal"]},{"id":"e3c872bf-e8f8-4cb0-ad9b-184c5b08e258","lenderId":"23a64ae3-de9c-4e19-92f6-a15c5542ff13","product":"Uninsured – 25 yr","ratePercent":4.99,"aprPercent":4.99,"rateType":"FIXED","termMonths":12,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Community Savings posted closed mortgage rate; 1-Year.","verifiedAt":"2026-10-03T23:18:44.916Z","expiresAt":"2026-10-05T11:18:44.916Z","source":"public","sourceUrl":"https://www.comsavings.com/more/get-rates","exampleIds":["conventional-purchase","renewal"]},{"id":"7a0f9646-27bd-4e37-82a8-f6e89eebb11f","lenderId":"23a64ae3-de9c-4e19-92f6-a15c5542ff13","product":"Uninsured – 25 yr","ratePercent":5.45,"aprPercent":5.45,"rateType":"VARIABLE","termMonths":12,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Community Savings posted variable mortgage rate; 1-Year Variable, Open.; prime 4.45%.","verifiedAt":"2026-10-03T23:18:44.916Z","expiresAt":"2026-10-05T11:18:44.916Z","source":"public","sourceUrl":"https://www.comsavings.com/more/get-rates","exampleIds":["conventional-purchase","renewal"]},{"id":"9d2e6c02-6fa5-4577-802f-85353ff7dd53","lenderId":"23a64ae3-de9c-4e19-92f6-a15c5542ff13","product":"Uninsured – 25 yr","ratePercent":6.09,"aprPercent":6.09,"rateType":"FIXED","termMonths":6,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Community Savings posted closed mortgage rate; 6 Month.","verifiedAt":"2026-10-03T23:18:44.916Z","expiresAt":"2026-10-05T11:18:44.916Z","source":"public","sourceUrl":"https://www.comsavings.com/more/get-rates","exampleIds":["conventional-purchase","renewal"]},{"id":"f9162c6b-765d-43f3-b3e3-2b00b242f6f0","lenderId":"23a64ae3-de9c-4e19-92f6-a15c5542ff13","product":"Uninsured – 25 yr","ratePercent":6.4,"aprPercent":6.4,"rateType":"FIXED","termMonths":84,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Community Savings posted closed mortgage rate; 7-Year.","verifiedAt":"2026-10-03T23:18:44.916Z","expiresAt":"2026-10-05T11:18:44.916Z","source":"public","sourceUrl":"https://www.comsavings.com/more/get-rates","exampleIds":["conventional-purchase","renewal"]},{"id":"e780771f-b306-47e8-9dfa-fe6f22eb8660","lenderId":"23a64ae3-de9c-4e19-92f6-a15c5542ff13","product":"Uninsured – 25 yr","ratePercent":6.8,"aprPercent":6.8,"rateType":"FIXED","termMonths":120,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Community Savings posted closed mortgage rate; 10-Year.","verifiedAt":"2026-10-03T23:18:44.916Z","expiresAt":"2026-10-05T11:18:44.916Z","source":"public","sourceUrl":"https://www.comsavings.com/more/get-rates","exampleIds":["conventional-purchase","renewal"]},{"id":"96d7e213-2c43-42b1-85c7-75e665885a08","lenderId":"23a64ae3-de9c-4e19-92f6-a15c5542ff13","product":"Uninsured – 25 yr","ratePercent":9.75,"aprPercent":9.75,"rateType":"FIXED","termMonths":6,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Community Savings posted open mortgage rate; 6 Month.","verifiedAt":"2026-10-03T23:18:44.916Z","expiresAt":"2026-10-05T11:18:44.916Z","source":"public","sourceUrl":"https://www.comsavings.com/more/get-rates","exampleIds":["conventional-purchase","renewal"]},{"id":"33be94cd-cad3-460f-bf30-b28891651c48","lenderId":"23a64ae3-de9c-4e19-92f6-a15c5542ff13","product":"Uninsured – 25 yr","ratePercent":9.75,"aprPercent":9.75,"rateType":"FIXED","termMonths":12,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Community Savings posted open mortgage rate; 1-Year.","verifiedAt":"2026-10-03T23:18:44.916Z","expiresAt":"2026-10-05T11:18:44.916Z","source":"public","sourceUrl":"https://www.comsavings.com/more/get-rates","exampleIds":["conventional-purchase","renewal"]}]}]}