{"generatedAt":"2026-10-03T23:48:54.832Z","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":"322096b6-3713-47e2-b53b-bc4b766df0bc","name":"Pine Mortgage","slug":"pine-mortgage","aliases":["Pine","Pine Financial","Pine Canada Financial"],"path":"/rates/lenders/pine-mortgage","offers":[{"id":"ccc45138-f746-4ea0-91fa-588d3bd51b00","lenderId":"322096b6-3713-47e2-b53b-bc4b766df0bc","product":"Insured – Featured","ratePercent":3.65,"aprPercent":null,"rateType":"VARIABLE","termMonths":60,"category":"INSURED","bucket":"INSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Pine featured Variable Mortgage Rate Variable; public insured reference rate, subject to Pine underwriting and change without notice. Pine homepage headline requires separate verification; this offer quotes the insured mortgage table only.","verifiedAt":"2026-10-03T23:19:33.747Z","expiresAt":"2026-10-05T11:19:33.747Z","source":"public","sourceUrl":"https://www.pine.ca/mortgage","exampleIds":["insured-purchase"]},{"id":"d90ab8a0-730c-4866-87c3-cc6282ff730c","lenderId":"322096b6-3713-47e2-b53b-bc4b766df0bc","product":"Insured – Additional","ratePercent":3.65,"aprPercent":null,"rateType":"VARIABLE","termMonths":60,"category":"INSURED","bucket":"INSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Pine additional 5-year Adjustable; public insured reference rate, subject to Pine underwriting and change without notice. Pine homepage headline requires separate verification; this offer quotes the insured mortgage table only.","verifiedAt":"2026-10-03T23:19:33.747Z","expiresAt":"2026-10-05T11:19:33.747Z","source":"public","sourceUrl":"https://www.pine.ca/mortgage","exampleIds":["insured-purchase"]},{"id":"18007b3d-fcc1-4e3b-9008-9f4a076c1aed","lenderId":"322096b6-3713-47e2-b53b-bc4b766df0bc","product":"Insured – Additional","ratePercent":4.59,"aprPercent":null,"rateType":"FIXED","termMonths":48,"category":"INSURED","bucket":"INSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Pine additional 4-year Fixed; public insured reference rate, subject to Pine underwriting and change without notice. Pine homepage headline requires separate verification; this offer quotes the insured mortgage table only.","verifiedAt":"2026-10-03T23:19:33.747Z","expiresAt":"2026-10-05T11:19:33.747Z","source":"public","sourceUrl":"https://www.pine.ca/mortgage","exampleIds":["insured-purchase"]},{"id":"29f224cb-9e2c-4dae-8dda-3ba7c83fd8b3","lenderId":"322096b6-3713-47e2-b53b-bc4b766df0bc","product":"Insured – Additional","ratePercent":4.59,"aprPercent":null,"rateType":"FIXED","termMonths":60,"category":"INSURED","bucket":"INSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Pine additional 5-year Fixed; public insured reference rate, subject to Pine underwriting and change without notice. Pine homepage headline requires separate verification; this offer quotes the insured mortgage table only.","verifiedAt":"2026-10-03T23:19:33.747Z","expiresAt":"2026-10-05T11:19:33.747Z","source":"public","sourceUrl":"https://www.pine.ca/mortgage","exampleIds":["insured-purchase"]},{"id":"f5e0bc4e-d4a5-444b-be92-b52c9332ceb5","lenderId":"322096b6-3713-47e2-b53b-bc4b766df0bc","product":"Insured – Featured","ratePercent":4.59,"aprPercent":null,"rateType":"FIXED","termMonths":60,"category":"INSURED","bucket":"INSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Pine featured Fixed Mortgage Rate Fixed; public insured reference rate, subject to Pine underwriting and change without notice. Pine homepage headline requires separate verification; this offer quotes the insured mortgage table only.","verifiedAt":"2026-10-03T23:19:33.747Z","expiresAt":"2026-10-05T11:19:33.747Z","source":"public","sourceUrl":"https://www.pine.ca/mortgage","exampleIds":["insured-purchase"]},{"id":"56fb8464-ea01-4218-a683-23892bf6c210","lenderId":"322096b6-3713-47e2-b53b-bc4b766df0bc","product":"Insured – Additional","ratePercent":4.64,"aprPercent":null,"rateType":"FIXED","termMonths":36,"category":"INSURED","bucket":"INSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Pine additional 3-year Fixed; public insured reference rate, subject to Pine underwriting and change without notice. Pine homepage headline requires separate verification; this offer quotes the insured mortgage table only.","verifiedAt":"2026-10-03T23:19:33.747Z","expiresAt":"2026-10-05T11:19:33.747Z","source":"public","sourceUrl":"https://www.pine.ca/mortgage","exampleIds":["insured-purchase"]}]}]}