{"generatedAt":"2026-10-03T23:52:29.420Z","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":"74173981-7bab-4bec-88ae-b08dae22a277","name":"Island Savings","slug":"island-savings","aliases":[],"path":"/rates/lenders/island-savings","offers":[{"id":"bec02175-0875-4ac0-9299-29f2467122a1","lenderId":"74173981-7bab-4bec-88ae-b08dae22a277","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":"2026-10-03T23:19:03.770Z","expiresAt":"2026-10-05T11:19:03.770Z","source":"public","sourceUrl":"https://www.trucooperativebank.ca/island-savings/personal/rates/mortgage-rates","exampleIds":["conventional-purchase","renewal"]},{"id":"a8c35f58-d580-4edf-8c79-b1eccc68b946","lenderId":"74173981-7bab-4bec-88ae-b08dae22a277","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":"2026-10-03T23:19:03.770Z","expiresAt":"2026-10-05T11:19:03.770Z","source":"public","sourceUrl":"https://www.trucooperativebank.ca/island-savings/personal/rates/mortgage-rates","exampleIds":["conventional-purchase","renewal"]},{"id":"952504ed-d326-4330-9f2e-13ad3ef21a7d","lenderId":"74173981-7bab-4bec-88ae-b08dae22a277","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":"2026-10-03T23:19:03.770Z","expiresAt":"2026-10-05T11:19:03.770Z","source":"public","sourceUrl":"https://www.trucooperativebank.ca/island-savings/personal/rates/mortgage-rates","exampleIds":["conventional-purchase","renewal"]},{"id":"0d448e2b-981b-4d43-8f73-23fe45ff4d60","lenderId":"74173981-7bab-4bec-88ae-b08dae22a277","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":"2026-10-03T23:19:03.770Z","expiresAt":"2026-10-05T11:19:03.770Z","source":"public","sourceUrl":"https://www.trucooperativebank.ca/island-savings/personal/rates/mortgage-rates","exampleIds":["conventional-purchase","renewal"]},{"id":"a9d16be5-80c0-41d4-9392-4c0e2ad3de5e","lenderId":"74173981-7bab-4bec-88ae-b08dae22a277","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":"2026-10-03T23:19:03.770Z","expiresAt":"2026-10-05T11:19:03.770Z","source":"public","sourceUrl":"https://www.trucooperativebank.ca/island-savings/personal/rates/mortgage-rates","exampleIds":["conventional-purchase","renewal"]},{"id":"c730c9a1-6065-46e5-98bf-dd601313c6e0","lenderId":"74173981-7bab-4bec-88ae-b08dae22a277","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":"2026-10-03T23:19:03.770Z","expiresAt":"2026-10-05T11:19:03.770Z","source":"public","sourceUrl":"https://www.trucooperativebank.ca/island-savings/personal/rates/mortgage-rates","exampleIds":["conventional-purchase","renewal"]}]}]}