{"generatedAt":"2026-10-03T23:47:42.237Z","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":"cb90011b-52de-422c-8423-19a531b03842","name":"Desjardins","slug":"desjardins","aliases":[],"path":"/rates/lenders/desjardins","offers":[{"id":"ec5ebaf1-7c40-4edb-bc4f-579c0562c421","lenderId":"cb90011b-52de-422c-8423-19a531b03842","product":"Uninsured – 25 yr","ratePercent":4.1,"aprPercent":null,"rateType":"VARIABLE","termMonths":60,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Desjardins advertised special closed reduced variable mortgage rate; 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10 years.","verifiedAt":"2026-10-03T23:18:47.662Z","expiresAt":"2026-10-05T11:18:47.662Z","source":"public","sourceUrl":"https://www.desjardins.com/en/mortgage/mortgage-rates.html","exampleIds":["conventional-purchase","renewal"]},{"id":"d509de24-5575-42cd-9eef-f95fd8457186","lenderId":"cb90011b-52de-422c-8423-19a531b03842","product":"Uninsured – 25 yr","ratePercent":7.99,"aprPercent":null,"rateType":"FIXED","termMonths":6,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Desjardins posted closed fixed mortgage rate; 6 months.","verifiedAt":"2026-10-03T23:18:47.662Z","expiresAt":"2026-10-05T11:18:47.662Z","source":"public","sourceUrl":"https://www.desjardins.com/en/mortgage/mortgage-rates.html","exampleIds":["conventional-purchase","renewal"]}]}]}