{"generatedAt":"2026-10-03T23:44:50.783Z","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":"4239978a-0d69-4135-8f33-03a909c510ab","name":"Prospera","slug":"prospera","aliases":[],"path":"/rates/lenders/prospera","offers":[{"id":"546d0296-26e9-4159-90d9-1c5b59ac4d55","lenderId":"4239978a-0d69-4135-8f33-03a909c510ab","product":"Insured","ratePercent":4.19,"aprPercent":null,"rateType":"FIXED","termMonths":60,"category":"INSURED","bucket":"INSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Prospera advertised public mortgage rate; 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7-Year Closed.","verifiedAt":"2026-10-03T23:19:35.682Z","expiresAt":"2026-10-05T11:19:35.682Z","source":"public","sourceUrl":"https://www.prospera.ca/Personal/Mortgages/Mortgage%2BRates","exampleIds":["conventional-purchase","renewal"]},{"id":"728da633-8a7c-4063-bfdd-82e08b0628b8","lenderId":"4239978a-0d69-4135-8f33-03a909c510ab","product":"Uninsured – 25 yr","ratePercent":5.09,"aprPercent":null,"rateType":"FIXED","termMonths":120,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Prospera advertised public mortgage rate; 10-Year Closed.","verifiedAt":"2026-10-03T23:19:35.682Z","expiresAt":"2026-10-05T11:19:35.682Z","source":"public","sourceUrl":"https://www.prospera.ca/Personal/Mortgages/Mortgage%2BRates","exampleIds":["conventional-purchase","renewal"]},{"id":"e22c9474-5495-4dc0-9d91-958347c46694","lenderId":"4239978a-0d69-4135-8f33-03a909c510ab","product":"Uninsured – 25 yr","ratePercent":6.39,"aprPercent":null,"rateType":"FIXED","termMonths":12,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Prospera advertised public mortgage rate; 1-Year Open.","verifiedAt":"2026-10-03T23:19:35.682Z","expiresAt":"2026-10-05T11:19:35.682Z","source":"public","sourceUrl":"https://www.prospera.ca/Personal/Mortgages/Mortgage%2BRates","exampleIds":["conventional-purchase","renewal"]}]}]}