{"generatedAt":"2026-10-03T23:45:08.287Z","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":"3ef55118-cdcb-4c4d-a854-7c45df0ff96e","name":"Valley First","slug":"valley-first","aliases":[],"path":"/rates/lenders/valley-first","offers":[{"id":"c79137e2-d65a-4293-a011-34dca899ef0e","lenderId":"3ef55118-cdcb-4c4d-a854-7c45df0ff96e","product":"Insured","ratePercent":3.7,"aprPercent":3.72,"rateType":"VARIABLE","termMonths":60,"category":"INSURED","bucket":"INSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Tru Cooperative public 5 year variable rate (closed) - insured; 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standard mortgage rate.","verifiedAt":"2026-10-03T23:19:47.625Z","expiresAt":"2026-10-05T11:19:47.625Z","source":"public","sourceUrl":"https://www.trucooperativebank.ca/valley-first/personal/rates/mortgage-rates","exampleIds":["conventional-purchase","renewal"]},{"id":"f537f4bc-6b23-4f8b-a06d-f37847053eb3","lenderId":"3ef55118-cdcb-4c4d-a854-7c45df0ff96e","product":"Uninsured – 25 yr","ratePercent":6.64,"aprPercent":6.84,"rateType":"FIXED","termMonths":6,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Tru Cooperative public 6 month fixed rate (closed); standard mortgage rate.","verifiedAt":"2026-10-03T23:19:47.625Z","expiresAt":"2026-10-05T11:19:47.625Z","source":"public","sourceUrl":"https://www.trucooperativebank.ca/valley-first/personal/rates/mortgage-rates","exampleIds":["conventional-purchase","renewal"]},{"id":"af2f03d7-7e64-4504-9617-5e45636cd355","lenderId":"3ef55118-cdcb-4c4d-a854-7c45df0ff96e","product":"Uninsured – 25 yr","ratePercent":7.39,"aprPercent":7.41,"rateType":"FIXED","termMonths":84,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Tru Cooperative public 7 year fixed rate (closed); standard mortgage rate.","verifiedAt":"2026-10-03T23:19:47.625Z","expiresAt":"2026-10-05T11:19:47.625Z","source":"public","sourceUrl":"https://www.trucooperativebank.ca/valley-first/personal/rates/mortgage-rates","exampleIds":["conventional-purchase","renewal"]},{"id":"0b25983c-af67-4458-b98d-d53c0c9fe19f","lenderId":"3ef55118-cdcb-4c4d-a854-7c45df0ff96e","product":"Uninsured – 25 yr","ratePercent":7.64,"aprPercent":7.65,"rateType":"FIXED","termMonths":120,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Tru Cooperative public 10 year fixed rate (closed); standard mortgage rate.","verifiedAt":"2026-10-03T23:19:47.625Z","expiresAt":"2026-10-05T11:19:47.625Z","source":"public","sourceUrl":"https://www.trucooperativebank.ca/valley-first/personal/rates/mortgage-rates","exampleIds":["conventional-purchase","renewal"]},{"id":"88807c47-2904-47a1-84ac-821bd8d2778e","lenderId":"3ef55118-cdcb-4c4d-a854-7c45df0ff96e","product":"Fixed Open","ratePercent":7.7,"aprPercent":7.9,"rateType":"FIXED","termMonths":6,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Tru Cooperative public 6 month fixed rate (open); standard mortgage rate.","verifiedAt":"2026-10-03T23:19:47.625Z","expiresAt":"2026-10-05T11:19:47.625Z","source":"public","sourceUrl":"https://www.trucooperativebank.ca/valley-first/personal/rates/mortgage-rates","exampleIds":["conventional-purchase","renewal"]},{"id":"f01d80a0-7016-4627-a004-f48af9ec2478","lenderId":"3ef55118-cdcb-4c4d-a854-7c45df0ff96e","product":"Fixed Open","ratePercent":7.7,"aprPercent":7.8,"rateType":"FIXED","termMonths":12,"category":"UNINSURED","bucket":"UNINSURED","amortizationMaxYears":25,"isPromo":false,"conditions":"Tru Cooperative public 1 year fixed rate (open); standard mortgage rate.","verifiedAt":"2026-10-03T23:19:47.625Z","expiresAt":"2026-10-05T11:19:47.625Z","source":"public","sourceUrl":"https://www.trucooperativebank.ca/valley-first/personal/rates/mortgage-rates","exampleIds":["conventional-purchase","renewal"]}]}]}