{"generatedAt":"2026-10-03T23:45:23.597Z","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":"b7496934-e1d7-455b-8610-fe353cc1816c","name":"Scotiabank","slug":"scotiabank","aliases":[],"path":"/rates/lenders/scotiabank","offers":[{"id":"ee5a2b1b-f3e1-46b5-87d7-90746bf483ef","lenderId":"b7496934-e1d7-455b-8610-fe353cc1816c","product":"Posted Variable","ratePercent":4.9,"aprPercent":null,"rateType":"VARIABLE","termMonths":60,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Scotiabank public posted variable mortgage rate; 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Scotia Flex Value Mortgage; 5 year open term.","verifiedAt":"2026-10-03T23:19:42.224Z","expiresAt":"2026-10-05T11:19:42.224Z","source":"public","sourceUrl":"https://www.scotiabank.com/ca/en/personal/rates-prices/mortgages-rates.html","exampleIds":["conventional-purchase","renewal"]},{"id":"d4fb3cb0-4355-4942-8a0e-ecf924bc49af","lenderId":"b7496934-e1d7-455b-8610-fe353cc1816c","product":"Posted Open Fixed","ratePercent":9.75,"aprPercent":null,"rateType":"FIXED","termMonths":6,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Scotiabank public posted open mortgage rate; 6 month.","verifiedAt":"2026-10-03T23:19:42.224Z","expiresAt":"2026-10-05T11:19:42.224Z","source":"public","sourceUrl":"https://www.scotiabank.com/ca/en/personal/rates-prices/mortgages-rates.html","exampleIds":["conventional-purchase","renewal"]},{"id":"69686b9f-15dd-49bc-8502-979998ebfa85","lenderId":"b7496934-e1d7-455b-8610-fe353cc1816c","product":"Posted Open Fixed","ratePercent":9.75,"aprPercent":null,"rateType":"FIXED","termMonths":12,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Scotiabank public posted open mortgage rate; 1 year.","verifiedAt":"2026-10-03T23:19:42.224Z","expiresAt":"2026-10-05T11:19:42.224Z","source":"public","sourceUrl":"https://www.scotiabank.com/ca/en/personal/rates-prices/mortgages-rates.html","exampleIds":["conventional-purchase","renewal"]}]}]}