{"generatedAt":"2026-10-03T23:54:52.917Z","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":"0bed8b80-51a5-4746-8d6d-3f1ee6ae0d24","name":"CWB Optimum Mortgage (Alternative Lending)","slug":"cwb-optimum-mortgage-alternative-lending","aliases":[],"path":"/rates/lenders/cwb-optimum-mortgage-alternative-lending","offers":[{"id":"634a2112-2f17-4a07-b264-09858c7fdf16","lenderId":"0bed8b80-51a5-4746-8d6d-3f1ee6ae0d24","product":"Uninsured – 25 yr","ratePercent":6.45,"aprPercent":6.81,"rateType":"VARIABLE","termMonths":60,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"National Bank Optimum Alternative posted variable-rate mortgage; prime plus 2%.","verifiedAt":"2026-10-03T23:18:46.429Z","expiresAt":"2026-10-05T11:18:46.429Z","source":"public","sourceUrl":"https://www.nbc.ca/rates/alt-a-rates.html","exampleIds":["conventional-purchase","renewal"]},{"id":"d555d9d0-0d1e-41e6-9d18-9fcb23e44393","lenderId":"0bed8b80-51a5-4746-8d6d-3f1ee6ae0d24","product":"Uninsured – 25 yr","ratePercent":7.39,"aprPercent":8.77,"rateType":"FIXED","termMonths":12,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"National Bank Optimum Alternative posted fixed-rate loan; 1 year.","verifiedAt":"2026-10-03T23:18:46.429Z","expiresAt":"2026-10-05T11:18:46.429Z","source":"public","sourceUrl":"https://www.nbc.ca/rates/alt-a-rates.html","exampleIds":["conventional-purchase","renewal"]},{"id":"9a5e7949-3912-4240-87d4-eeb8962fae2f","lenderId":"0bed8b80-51a5-4746-8d6d-3f1ee6ae0d24","product":"Uninsured – 25 yr","ratePercent":7.49,"aprPercent":8.23,"rateType":"FIXED","termMonths":24,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"National Bank Optimum Alternative posted fixed-rate loan; 2 years.","verifiedAt":"2026-10-03T23:18:46.429Z","expiresAt":"2026-10-05T11:18:46.429Z","source":"public","sourceUrl":"https://www.nbc.ca/rates/alt-a-rates.html","exampleIds":["conventional-purchase","renewal"]},{"id":"de721ad6-8d66-44f3-837b-27614b5b6507","lenderId":"0bed8b80-51a5-4746-8d6d-3f1ee6ae0d24","product":"Uninsured – 25 yr","ratePercent":7.59,"aprPercent":8.12,"rateType":"FIXED","termMonths":36,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"National Bank Optimum Alternative posted fixed-rate loan; 3 years.","verifiedAt":"2026-10-03T23:18:46.429Z","expiresAt":"2026-10-05T11:18:46.429Z","source":"public","sourceUrl":"https://www.nbc.ca/rates/alt-a-rates.html","exampleIds":["conventional-purchase","renewal"]},{"id":"32189e8d-10bf-4e56-86d1-33609a4c8655","lenderId":"0bed8b80-51a5-4746-8d6d-3f1ee6ae0d24","product":"Uninsured – 25 yr","ratePercent":7.89,"aprPercent":8.31,"rateType":"FIXED","termMonths":48,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"National Bank Optimum Alternative posted fixed-rate loan; 4 years.","verifiedAt":"2026-10-03T23:18:46.429Z","expiresAt":"2026-10-05T11:18:46.429Z","source":"public","sourceUrl":"https://www.nbc.ca/rates/alt-a-rates.html","exampleIds":["conventional-purchase","renewal"]}]}]}