{"generatedAt":"2026-10-03T23:49:14.872Z","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":"ea566fd6-bf3d-4915-ba8f-80ac70ae2b78","name":"Manulife","slug":"manulife","aliases":[],"path":"/rates/lenders/manulife","offers":[{"id":"2800e20d-1d6a-4af2-9800-ea748150d04b","lenderId":"ea566fd6-bf3d-4915-ba8f-80ac70ae2b78","product":"Uninsured – 25 yr","ratePercent":4.45,"aprPercent":null,"rateType":"VARIABLE","termMonths":60,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Manulife Bank Select posted 5-year closed variable rate; prime + 0.00%.","verifiedAt":"2026-10-03T23:19:05.564Z","expiresAt":"2026-10-05T11:19:05.564Z","source":"public","sourceUrl":"https://www.manulifebank.ca/current-rates.html","exampleIds":["conventional-purchase","renewal"]},{"id":"944d1fcf-c315-46d7-b319-f7815c5e0394","lenderId":"ea566fd6-bf3d-4915-ba8f-80ac70ae2b78","product":"Insured","ratePercent":4.79,"aprPercent":null,"rateType":"FIXED","termMonths":60,"category":"INSURED","bucket":"INSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Manulife Bank Select high-ratio posted 5-year fixed mortgage rate.","verifiedAt":"2026-10-03T23:19:05.564Z","expiresAt":"2026-10-05T11:19:05.564Z","source":"public","sourceUrl":"https://www.manulifebank.ca/current-rates.html","exampleIds":["insured-purchase"]},{"id":"450e54a7-cae8-4edd-a6b6-f847213366cf","lenderId":"ea566fd6-bf3d-4915-ba8f-80ac70ae2b78","product":"Uninsured – 25 yr","ratePercent":5.19,"aprPercent":null,"rateType":"FIXED","termMonths":36,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Manulife Bank Select posted closed fixed mortgage rate; 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4-year.","verifiedAt":"2026-10-03T23:19:05.564Z","expiresAt":"2026-10-05T11:19:05.564Z","source":"public","sourceUrl":"https://www.manulifebank.ca/current-rates.html","exampleIds":["conventional-purchase","renewal"]},{"id":"6649b155-cb70-427a-a897-22a2284fb72c","lenderId":"ea566fd6-bf3d-4915-ba8f-80ac70ae2b78","product":"Uninsured – 25 yr","ratePercent":6.34,"aprPercent":null,"rateType":"FIXED","termMonths":24,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Manulife Bank Select posted closed fixed mortgage rate; 2-year.","verifiedAt":"2026-10-03T23:19:05.564Z","expiresAt":"2026-10-05T11:19:05.564Z","source":"public","sourceUrl":"https://www.manulifebank.ca/current-rates.html","exampleIds":["conventional-purchase","renewal"]},{"id":"f04c0e4d-a8bc-41f7-8d63-1853d3fa549d","lenderId":"ea566fd6-bf3d-4915-ba8f-80ac70ae2b78","product":"Uninsured – 25 yr","ratePercent":6.35,"aprPercent":null,"rateType":"FIXED","termMonths":84,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Manulife Bank Select posted closed fixed mortgage rate; 7-year.","verifiedAt":"2026-10-03T23:19:05.564Z","expiresAt":"2026-10-05T11:19:05.564Z","source":"public","sourceUrl":"https://www.manulifebank.ca/current-rates.html","exampleIds":["conventional-purchase","renewal"]},{"id":"3551a4a2-afbf-434b-a222-248e13a896c8","lenderId":"ea566fd6-bf3d-4915-ba8f-80ac70ae2b78","product":"Uninsured – 25 yr","ratePercent":6.69,"aprPercent":null,"rateType":"FIXED","termMonths":120,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Manulife Bank Select posted closed fixed mortgage rate; 10-year.","verifiedAt":"2026-10-03T23:19:05.564Z","expiresAt":"2026-10-05T11:19:05.564Z","source":"public","sourceUrl":"https://www.manulifebank.ca/current-rates.html","exampleIds":["conventional-purchase","renewal"]},{"id":"24ef61ed-77ce-4a81-abb1-7297a205ee47","lenderId":"ea566fd6-bf3d-4915-ba8f-80ac70ae2b78","product":"Uninsured – 25 yr","ratePercent":6.89,"aprPercent":null,"rateType":"FIXED","termMonths":12,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Manulife Bank Select posted closed fixed mortgage rate; 1-year.","verifiedAt":"2026-10-03T23:19:05.564Z","expiresAt":"2026-10-05T11:19:05.564Z","source":"public","sourceUrl":"https://www.manulifebank.ca/current-rates.html","exampleIds":["conventional-purchase","renewal"]}]}]}