{"generatedAt":"2026-10-03T23:48:45.480Z","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":"fbf1cdf3-4d17-46d0-8156-b1e65a56e414","name":"RBC Royal Bank","slug":"rbc","aliases":[],"path":"/rates/lenders/rbc","offers":[{"id":"e2792dfc-c2e6-4c0b-8066-e3695024d00f","lenderId":"fbf1cdf3-4d17-46d0-8156-b1e65a56e414","product":"Uninsured – 25 yr","ratePercent":3.95,"aprPercent":3.98,"rateType":"VARIABLE","termMonths":60,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"RBC public special offer; 5 Year Closed; up to 25 year amortization. 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Subject to lender approval.","verifiedAt":"2026-10-03T23:19:37.871Z","expiresAt":"2026-10-05T11:19:37.871Z","source":"public","sourceUrl":"https://www.rbcroyalbank.com/mortgages/mortgage-rates.html","exampleIds":["conventional-purchase","renewal"]},{"id":"8c7f1396-e069-4026-aacd-08529d95fe2a","lenderId":"fbf1cdf3-4d17-46d0-8156-b1e65a56e414","product":"Uninsured – 30 yr","ratePercent":4.89,"aprPercent":4.93,"rateType":"FIXED","termMonths":36,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":30,"isPromo":false,"conditions":"RBC public special offer; 3 Year Closed; greater than 25 year amortization. Subject to lender approval.","verifiedAt":"2026-10-03T23:19:37.871Z","expiresAt":"2026-10-05T11:19:37.871Z","source":"public","sourceUrl":"https://www.rbcroyalbank.com/mortgages/mortgage-rates.html","exampleIds":["conventional-purchase-30"]},{"id":"4c3f425e-dbe8-46cd-b898-34a285b9ffea","lenderId":"fbf1cdf3-4d17-46d0-8156-b1e65a56e414","product":"Uninsured – 25 yr","ratePercent":4.94,"aprPercent":5,"rateType":"FIXED","termMonths":24,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"RBC public special offer; 2 Year Closed; up to 25 year amortization. Subject to lender approval.","verifiedAt":"2026-10-03T23:19:37.871Z","expiresAt":"2026-10-05T11:19:37.871Z","source":"public","sourceUrl":"https://www.rbcroyalbank.com/mortgages/mortgage-rates.html","exampleIds":["conventional-purchase","renewal"]},{"id":"76a06481-5764-40ac-af2c-50676985d9a0","lenderId":"fbf1cdf3-4d17-46d0-8156-b1e65a56e414","product":"Uninsured – 25 yr","ratePercent":4.94,"aprPercent":4.97,"rateType":"FIXED","termMonths":48,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"RBC public special offer; 4 Year Closed; up to 25 year amortization. Subject to lender approval.","verifiedAt":"2026-10-03T23:19:37.871Z","expiresAt":"2026-10-05T11:19:37.871Z","source":"public","sourceUrl":"https://www.rbcroyalbank.com/mortgages/mortgage-rates.html","exampleIds":["conventional-purchase","renewal"]},{"id":"62106b1d-a558-4264-a2f4-70ea441cdf53","lenderId":"fbf1cdf3-4d17-46d0-8156-b1e65a56e414","product":"Uninsured – 25 yr","ratePercent":5.04,"aprPercent":5.17,"rateType":"FIXED","termMonths":12,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"RBC public special offer; 1 Year Closed; up to 25 year amortization. Subject to lender approval.","verifiedAt":"2026-10-03T23:19:37.871Z","expiresAt":"2026-10-05T11:19:37.871Z","source":"public","sourceUrl":"https://www.rbcroyalbank.com/mortgages/mortgage-rates.html","exampleIds":["conventional-purchase","renewal"]},{"id":"bf23c48f-288a-4c83-a837-a4fcf230d9a0","lenderId":"fbf1cdf3-4d17-46d0-8156-b1e65a56e414","product":"Uninsured – 30 yr","ratePercent":5.04,"aprPercent":5.1,"rateType":"FIXED","termMonths":24,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":30,"isPromo":false,"conditions":"RBC public special offer; 2 Year Closed; greater than 25 year amortization. Subject to lender approval.","verifiedAt":"2026-10-03T23:19:37.871Z","expiresAt":"2026-10-05T11:19:37.871Z","source":"public","sourceUrl":"https://www.rbcroyalbank.com/mortgages/mortgage-rates.html","exampleIds":["conventional-purchase-30"]},{"id":"639114d9-3d34-46da-83a9-cf2b83bdad23","lenderId":"fbf1cdf3-4d17-46d0-8156-b1e65a56e414","product":"Uninsured – 30 yr","ratePercent":5.04,"aprPercent":5.07,"rateType":"FIXED","termMonths":48,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":30,"isPromo":false,"conditions":"RBC public special offer; 4 Year Closed; greater than 25 year amortization. Subject to lender approval.","verifiedAt":"2026-10-03T23:19:37.871Z","expiresAt":"2026-10-05T11:19:37.871Z","source":"public","sourceUrl":"https://www.rbcroyalbank.com/mortgages/mortgage-rates.html","exampleIds":["conventional-purchase-30"]},{"id":"841645cf-5118-4883-b3c8-b0c766e98c6e","lenderId":"fbf1cdf3-4d17-46d0-8156-b1e65a56e414","product":"Uninsured – 25 yr","ratePercent":5.04,"aprPercent":5.07,"rateType":"FIXED","termMonths":60,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"RBC public special offer; 5 Year Closed; up to 25 year amortization. Subject to lender approval.","verifiedAt":"2026-10-03T23:19:37.871Z","expiresAt":"2026-10-05T11:19:37.871Z","source":"public","sourceUrl":"https://www.rbcroyalbank.com/mortgages/mortgage-rates.html","exampleIds":["conventional-purchase","renewal"]},{"id":"2ab7bba2-80b1-4378-be60-d5de0ea7cc8e","lenderId":"fbf1cdf3-4d17-46d0-8156-b1e65a56e414","product":"Uninsured – 30 yr","ratePercent":5.14,"aprPercent":5.27,"rateType":"FIXED","termMonths":12,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":30,"isPromo":false,"conditions":"RBC public special offer; 1 Year Closed; greater than 25 year amortization. Subject to lender approval.","verifiedAt":"2026-10-03T23:19:37.871Z","expiresAt":"2026-10-05T11:19:37.871Z","source":"public","sourceUrl":"https://www.rbcroyalbank.com/mortgages/mortgage-rates.html","exampleIds":["conventional-purchase-30"]},{"id":"ae7ecfd7-0560-4561-9fc0-38e4421bcc94","lenderId":"fbf1cdf3-4d17-46d0-8156-b1e65a56e414","product":"Uninsured – 30 yr","ratePercent":5.14,"aprPercent":5.17,"rateType":"FIXED","termMonths":60,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":30,"isPromo":false,"conditions":"RBC public special offer; 5 Year Closed; greater than 25 year amortization. Subject to lender approval.","verifiedAt":"2026-10-03T23:19:37.871Z","expiresAt":"2026-10-05T11:19:37.871Z","source":"public","sourceUrl":"https://www.rbcroyalbank.com/mortgages/mortgage-rates.html","exampleIds":["conventional-purchase-30"]},{"id":"bfee00ea-36d4-48ae-965b-1190ab343267","lenderId":"fbf1cdf3-4d17-46d0-8156-b1e65a56e414","product":"Uninsured – 25 yr","ratePercent":5.15,"aprPercent":5.17,"rateType":"FIXED","termMonths":84,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"RBC public special offer; 7 Year Closed; up to 25 year amortization. Subject to lender approval.","verifiedAt":"2026-10-03T23:19:37.871Z","expiresAt":"2026-10-05T11:19:37.871Z","source":"public","sourceUrl":"https://www.rbcroyalbank.com/mortgages/mortgage-rates.html","exampleIds":["conventional-purchase","renewal"]},{"id":"60357360-291b-451e-b291-25d73e9e446e","lenderId":"fbf1cdf3-4d17-46d0-8156-b1e65a56e414","product":"Uninsured – 30 yr","ratePercent":5.25,"aprPercent":5.27,"rateType":"FIXED","termMonths":84,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":30,"isPromo":false,"conditions":"RBC public special offer; 7 Year Closed; greater than 25 year amortization. Subject to lender approval.","verifiedAt":"2026-10-03T23:19:37.871Z","expiresAt":"2026-10-05T11:19:37.871Z","source":"public","sourceUrl":"https://www.rbcroyalbank.com/mortgages/mortgage-rates.html","exampleIds":["conventional-purchase-30"]}]}]}