{"generatedAt":"2026-10-03T23:46:27.188Z","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":"616a960f-a786-47bd-9eb0-6cb2e705299f","name":"DUCA","slug":"duca","aliases":[],"path":"/rates/lenders/duca","offers":[{"id":"d16ef934-9e93-461b-b077-399753cc0f21","lenderId":"616a960f-a786-47bd-9eb0-6cb2e705299f","product":"Insured","ratePercent":4.39,"aprPercent":null,"rateType":"FIXED","termMonths":60,"category":"INSURED","bucket":"INSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"DUCA advertised high-ratio fixed mortgage rate; 5 Year.","verifiedAt":"2026-10-03T23:18:49.407Z","expiresAt":"2026-10-05T11:18:49.407Z","source":"public","sourceUrl":"https://www.duca.com/personal/mortgages","exampleIds":["insured-purchase"]},{"id":"a1838cda-8409-4fdb-8cff-b759b0dbf488","lenderId":"616a960f-a786-47bd-9eb0-6cb2e705299f","product":"Insured","ratePercent":4.49,"aprPercent":null,"rateType":"FIXED","termMonths":36,"category":"INSURED","bucket":"INSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"DUCA advertised high-ratio fixed mortgage rate; 3 Year.","verifiedAt":"2026-10-03T23:18:49.407Z","expiresAt":"2026-10-05T11:18:49.407Z","source":"public","sourceUrl":"https://www.duca.com/personal/mortgages","exampleIds":["insured-purchase"]}]},{"id":"2d68610c-3367-40da-ad8c-c748ad8c0062","name":"DUCA (Near Prime)","slug":"duca-near-prime","aliases":[],"path":"/rates/lenders/duca-near-prime","offers":[]}]}