{"generatedAt":"2026-10-03T23:49:53.534Z","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":"a4151410-2737-45fc-877d-f0dc16776a75","name":"Neo Financial","slug":"neo-financial","aliases":[],"path":"/rates/lenders/neo-financial","offers":[{"id":"c1b7d7e8-88b4-404b-9a86-dec074697d3f","lenderId":"a4151410-2737-45fc-877d-f0dc16776a75","product":"Uninsured – 25 yr","ratePercent":3.65,"aprPercent":null,"rateType":"VARIABLE","termMonths":60,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Neo posted 5-year adjustable mortgage rate.","verifiedAt":"2026-10-03T23:19:29.600Z","expiresAt":"2026-10-05T11:19:29.600Z","source":"public","sourceUrl":"https://www.neofinancial.com/mortgages","exampleIds":["conventional-purchase","renewal"]},{"id":"30a91f23-e1ba-4b4f-9698-577da9d7136a","lenderId":"a4151410-2737-45fc-877d-f0dc16776a75","product":"Uninsured – 25 yr","ratePercent":4.14,"aprPercent":null,"rateType":"FIXED","termMonths":6,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Neo posted fixed mortgage rate; 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4-year.","verifiedAt":"2026-10-03T23:19:29.600Z","expiresAt":"2026-10-05T11:19:29.600Z","source":"public","sourceUrl":"https://www.neofinancial.com/mortgages","exampleIds":["conventional-purchase","renewal"]},{"id":"6d44ee0d-c1b4-4a74-a20f-df43c0f0433a","lenderId":"a4151410-2737-45fc-877d-f0dc16776a75","product":"Uninsured – 25 yr","ratePercent":5.84,"aprPercent":null,"rateType":"FIXED","termMonths":24,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Neo posted fixed mortgage rate; 2-year.","verifiedAt":"2026-10-03T23:19:29.600Z","expiresAt":"2026-10-05T11:19:29.600Z","source":"public","sourceUrl":"https://www.neofinancial.com/mortgages","exampleIds":["conventional-purchase","renewal"]},{"id":"5456118a-e125-44a1-9e34-632d668c2ee1","lenderId":"a4151410-2737-45fc-877d-f0dc16776a75","product":"Uninsured – 25 yr","ratePercent":5.94,"aprPercent":null,"rateType":"FIXED","termMonths":12,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Neo posted fixed mortgage rate; 1-year.","verifiedAt":"2026-10-03T23:19:29.600Z","expiresAt":"2026-10-05T11:19:29.600Z","source":"public","sourceUrl":"https://www.neofinancial.com/mortgages","exampleIds":["conventional-purchase","renewal"]}]}]}