{"generatedAt":"2026-10-03T23:50:20.946Z","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":"b6c0f270-2520-4c60-8277-f35a4827e709","name":"Home Trust","slug":"home-trust","aliases":[],"path":"/rates/lenders/home-trust","offers":[{"id":"bac537f7-9358-4e4f-9a48-03e3ebee67e2","lenderId":"b6c0f270-2520-4c60-8277-f35a4827e709","product":"Insured","ratePercent":4.39,"aprPercent":null,"rateType":"FIXED","termMonths":48,"category":"INSURED","bucket":"INSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Home Trust Accelerator Mortgage posted insured fixed rate; 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3 year.","verifiedAt":"2026-10-03T23:19:02.933Z","expiresAt":"2026-10-05T11:19:02.933Z","source":"public","sourceUrl":"https://www.hometrust.ca/mortgages/rates/","exampleIds":["insured-purchase"]},{"id":"23cf2214-4561-4b72-b31d-c401c834ee7e","lenderId":"b6c0f270-2520-4c60-8277-f35a4827e709","product":"Insured","ratePercent":5.17,"aprPercent":null,"rateType":"FIXED","termMonths":24,"category":"INSURED","bucket":"INSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Home Trust Accelerator Mortgage posted insured fixed rate; 2 year.","verifiedAt":"2026-10-03T23:19:02.933Z","expiresAt":"2026-10-05T11:19:02.933Z","source":"public","sourceUrl":"https://www.hometrust.ca/mortgages/rates/","exampleIds":["insured-purchase"]},{"id":"c09e5552-6893-47ba-8e11-484bec71e6ac","lenderId":"b6c0f270-2520-4c60-8277-f35a4827e709","product":"Uninsured – 25 yr","ratePercent":5.24,"aprPercent":null,"rateType":"FIXED","termMonths":24,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Home Trust Classic Mortgage posted alternative fixed rate; 2 year.","verifiedAt":"2026-10-03T23:19:02.933Z","expiresAt":"2026-10-05T11:19:02.933Z","source":"public","sourceUrl":"https://www.hometrust.ca/mortgages/rates/","exampleIds":["conventional-purchase","renewal"]},{"id":"aad4cda2-1db9-46e3-806b-1451d0e8422b","lenderId":"b6c0f270-2520-4c60-8277-f35a4827e709","product":"Uninsured – 25 yr","ratePercent":5.34,"aprPercent":null,"rateType":"FIXED","termMonths":36,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Home Trust Classic Mortgage posted alternative fixed rate; 3 year.","verifiedAt":"2026-10-03T23:19:02.933Z","expiresAt":"2026-10-05T11:19:02.933Z","source":"public","sourceUrl":"https://www.hometrust.ca/mortgages/rates/","exampleIds":["conventional-purchase","renewal"]},{"id":"fe974d6c-0ed6-4321-b14e-bf1dd6408765","lenderId":"b6c0f270-2520-4c60-8277-f35a4827e709","product":"Uninsured – 25 yr","ratePercent":5.83,"aprPercent":null,"rateType":"FIXED","termMonths":48,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Home Trust Classic Mortgage posted alternative fixed rate; 4 year.","verifiedAt":"2026-10-03T23:19:02.933Z","expiresAt":"2026-10-05T11:19:02.933Z","source":"public","sourceUrl":"https://www.hometrust.ca/mortgages/rates/","exampleIds":["conventional-purchase","renewal"]},{"id":"b798cf08-64ca-4f27-a066-edbcc6fd3f42","lenderId":"b6c0f270-2520-4c60-8277-f35a4827e709","product":"Uninsured – 25 yr","ratePercent":5.88,"aprPercent":null,"rateType":"FIXED","termMonths":60,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Home Trust Classic Mortgage posted alternative fixed rate; 5 year.","verifiedAt":"2026-10-03T23:19:02.933Z","expiresAt":"2026-10-05T11:19:02.933Z","source":"public","sourceUrl":"https://www.hometrust.ca/mortgages/rates/","exampleIds":["conventional-purchase","renewal"]}]}]}