{"generatedAt":"2026-10-03T23:51:13.780Z","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":"bf135f3e-02a8-42ea-88be-1d00c1fed4d8","name":"Envision Financial","slug":"envision-financial","aliases":[],"path":"/rates/lenders/envision-financial","offers":[{"id":"f18d49df-e9de-4d32-93f7-be23e685a43b","lenderId":"bf135f3e-02a8-42ea-88be-1d00c1fed4d8","product":"Insured","ratePercent":3.7,"aprPercent":3.72,"rateType":"VARIABLE","termMonths":60,"category":"INSURED","bucket":"INSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Tru Cooperative public 5 year variable rate (closed) - insured; 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standard mortgage rate.","verifiedAt":"2026-10-03T23:18:52.502Z","expiresAt":"2026-10-05T11:18:52.502Z","source":"public","sourceUrl":"https://www.trucooperativebank.ca/envision-financial/personal/rates/mortgage-rates","exampleIds":["conventional-purchase","renewal"]},{"id":"f888fce7-f380-4f8c-a40d-d7da0e366ad7","lenderId":"bf135f3e-02a8-42ea-88be-1d00c1fed4d8","product":"Uninsured – 25 yr","ratePercent":6.64,"aprPercent":6.84,"rateType":"FIXED","termMonths":6,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Tru Cooperative public 6 month fixed rate (closed); standard mortgage rate.","verifiedAt":"2026-10-03T23:18:52.502Z","expiresAt":"2026-10-05T11:18:52.502Z","source":"public","sourceUrl":"https://www.trucooperativebank.ca/envision-financial/personal/rates/mortgage-rates","exampleIds":["conventional-purchase","renewal"]},{"id":"00e4b9b5-34b3-4bea-ac0d-58090207365f","lenderId":"bf135f3e-02a8-42ea-88be-1d00c1fed4d8","product":"Uninsured – 25 yr","ratePercent":7.39,"aprPercent":7.41,"rateType":"FIXED","termMonths":84,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Tru Cooperative public 7 year fixed rate (closed); standard mortgage rate.","verifiedAt":"2026-10-03T23:18:52.502Z","expiresAt":"2026-10-05T11:18:52.502Z","source":"public","sourceUrl":"https://www.trucooperativebank.ca/envision-financial/personal/rates/mortgage-rates","exampleIds":["conventional-purchase","renewal"]},{"id":"f801bebb-49f0-4184-ad33-1c3f7b980eb1","lenderId":"bf135f3e-02a8-42ea-88be-1d00c1fed4d8","product":"Uninsured – 25 yr","ratePercent":7.64,"aprPercent":7.65,"rateType":"FIXED","termMonths":120,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Tru Cooperative public 10 year fixed rate (closed); standard mortgage rate.","verifiedAt":"2026-10-03T23:18:52.502Z","expiresAt":"2026-10-05T11:18:52.502Z","source":"public","sourceUrl":"https://www.trucooperativebank.ca/envision-financial/personal/rates/mortgage-rates","exampleIds":["conventional-purchase","renewal"]},{"id":"ea598e61-1755-4136-961a-10d1d1f11ccd","lenderId":"bf135f3e-02a8-42ea-88be-1d00c1fed4d8","product":"Fixed Open","ratePercent":7.7,"aprPercent":7.9,"rateType":"FIXED","termMonths":6,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Tru Cooperative public 6 month fixed rate (open); standard mortgage rate.","verifiedAt":"2026-10-03T23:18:52.502Z","expiresAt":"2026-10-05T11:18:52.502Z","source":"public","sourceUrl":"https://www.trucooperativebank.ca/envision-financial/personal/rates/mortgage-rates","exampleIds":["conventional-purchase","renewal"]},{"id":"4e80c22c-60ca-480c-b20e-d68732a7d3b2","lenderId":"bf135f3e-02a8-42ea-88be-1d00c1fed4d8","product":"Fixed Open","ratePercent":7.7,"aprPercent":7.8,"rateType":"FIXED","termMonths":12,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Tru Cooperative public 1 year fixed rate (open); standard mortgage rate.","verifiedAt":"2026-10-03T23:18:52.502Z","expiresAt":"2026-10-05T11:18:52.502Z","source":"public","sourceUrl":"https://www.trucooperativebank.ca/envision-financial/personal/rates/mortgage-rates","exampleIds":["conventional-purchase","renewal"]}]}]}