{"generatedAt":"2026-10-03T23:51:13.629Z","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":"3864f842-9dd6-46d1-90d4-9e376b011f1c","name":"TD Canada Trust","slug":"td-canada-trust","aliases":[],"path":"/rates/lenders/td-canada-trust","offers":[{"id":"82282f4e-ef1e-4213-b65e-f200b3264887","lenderId":"3864f842-9dd6-46d1-90d4-9e376b011f1c","product":"Uninsured – 25 yr","ratePercent":4.24,"aprPercent":4.261,"rateType":"VARIABLE","termMonths":60,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"TD public mortgage rates API; 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10 Year Fixed Closed; posted advertised rate.","verifiedAt":"2026-10-03T23:19:46.742Z","expiresAt":"2026-10-05T11:19:46.742Z","source":"public","sourceUrl":"https://www.td.com/ca/en/personal-banking/products/mortgages/mortgage-rates","exampleIds":["conventional-purchase","renewal"]},{"id":"7bf4545b-91b2-4dbb-a595-34c7f2d31bd2","lenderId":"3864f842-9dd6-46d1-90d4-9e376b011f1c","product":"Uninsured – 25 yr","ratePercent":7.75,"aprPercent":7.77,"rateType":"VARIABLE","termMonths":60,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"TD public mortgage rates API; 5 Year Variable Open; special advertised rate.","verifiedAt":"2026-10-03T23:19:46.742Z","expiresAt":"2026-10-05T11:19:46.742Z","source":"public","sourceUrl":"https://www.td.com/ca/en/personal-banking/products/mortgages/mortgage-rates","exampleIds":["conventional-purchase","renewal"]},{"id":"acb70491-932d-47e3-b7d3-2bb0ab44739e","lenderId":"3864f842-9dd6-46d1-90d4-9e376b011f1c","product":"Uninsured – 25 yr","ratePercent":9.95,"aprPercent":10.045,"rateType":"FIXED","termMonths":12,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"TD public mortgage rates API; 1 Year Open Mortgage; posted advertised rate.","verifiedAt":"2026-10-03T23:19:46.742Z","expiresAt":"2026-10-05T11:19:46.742Z","source":"public","sourceUrl":"https://www.td.com/ca/en/personal-banking/products/mortgages/mortgage-rates","exampleIds":["conventional-purchase","renewal"]}]}]}