{"generatedAt":"2026-10-03T23:54:56.321Z","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":"7019d5af-1288-414f-8cf5-58bf2fe6eda5","name":"Peoples Bank (For Exclusive Partners Only)","slug":"peoples-bank-for-exclusive-partners-only","aliases":[],"path":"/rates/lenders/peoples-bank-for-exclusive-partners-only","offers":[{"id":"82dce3d9-6f75-4295-9985-9dd48cc67b6f","lenderId":"7019d5af-1288-414f-8cf5-58bf2fe6eda5","product":"Insured","ratePercent":3.75,"aprPercent":3.78,"rateType":"VARIABLE","termMonths":60,"category":"INSURED","bucket":"INSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Peoples Group posted insured mortgage rate; 5-year adjustable rate = Prime Rate -0.70%; prime 4.45%.","verifiedAt":"2026-10-03T23:19:31.804Z","expiresAt":"2026-10-05T11:19:31.804Z","source":"public","sourceUrl":"https://www.peoplesgroup.com/personal/resources/mortgage-rates","exampleIds":["insured-purchase"]},{"id":"bb05ea0d-326c-494c-b2b0-9c5f711ce713","lenderId":"7019d5af-1288-414f-8cf5-58bf2fe6eda5","product":"Insured","ratePercent":4.64,"aprPercent":4.67,"rateType":"FIXED","termMonths":48,"category":"INSURED","bucket":"INSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Peoples Group posted insured mortgage rate; 4-year fixed rate.","verifiedAt":"2026-10-03T23:19:31.804Z","expiresAt":"2026-10-05T11:19:31.804Z","source":"public","sourceUrl":"https://www.peoplesgroup.com/personal/resources/mortgage-rates","exampleIds":["insured-purchase"]},{"id":"58085e17-1556-40ae-88f8-4370d2ae71df","lenderId":"7019d5af-1288-414f-8cf5-58bf2fe6eda5","product":"Insured","ratePercent":4.69,"aprPercent":4.73,"rateType":"FIXED","termMonths":36,"category":"INSURED","bucket":"INSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Peoples Group posted insured mortgage rate; 3-year fixed rate.","verifiedAt":"2026-10-03T23:19:31.804Z","expiresAt":"2026-10-05T11:19:31.804Z","source":"public","sourceUrl":"https://www.peoplesgroup.com/personal/resources/mortgage-rates","exampleIds":["insured-purchase"]},{"id":"93c87503-dfea-47df-9ec0-b512e0974749","lenderId":"7019d5af-1288-414f-8cf5-58bf2fe6eda5","product":"Insured","ratePercent":4.74,"aprPercent":4.77,"rateType":"FIXED","termMonths":60,"category":"INSURED","bucket":"INSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Peoples Group posted insured mortgage rate; 5-year fixed rate.","verifiedAt":"2026-10-03T23:19:31.804Z","expiresAt":"2026-10-05T11:19:31.804Z","source":"public","sourceUrl":"https://www.peoplesgroup.com/personal/resources/mortgage-rates","exampleIds":["insured-purchase"]},{"id":"de942208-aa35-414a-baf1-eb57447f5db7","lenderId":"7019d5af-1288-414f-8cf5-58bf2fe6eda5","product":"Insured","ratePercent":5.04,"aprPercent":5.11,"rateType":"FIXED","termMonths":24,"category":"INSURED","bucket":"INSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Peoples Group posted insured mortgage rate; 2-year fixed rate.","verifiedAt":"2026-10-03T23:19:31.804Z","expiresAt":"2026-10-05T11:19:31.804Z","source":"public","sourceUrl":"https://www.peoplesgroup.com/personal/resources/mortgage-rates","exampleIds":["insured-purchase"]},{"id":"8d8eddae-8fff-4875-bc8b-6dcfe9517363","lenderId":"7019d5af-1288-414f-8cf5-58bf2fe6eda5","product":"Insured","ratePercent":5.24,"aprPercent":5.37,"rateType":"FIXED","termMonths":12,"category":"INSURED","bucket":"INSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Peoples Group posted insured mortgage rate; 1-year fixed rate.","verifiedAt":"2026-10-03T23:19:31.804Z","expiresAt":"2026-10-05T11:19:31.804Z","source":"public","sourceUrl":"https://www.peoplesgroup.com/personal/resources/mortgage-rates","exampleIds":["insured-purchase"]}]}]}