Rates disappear at their offer or freshness deadline. A rate hold starts with lender confirmation and does not extend a promotion. Confirm fees, prepayment privileges, portability and break penalties before choosing. Estimates assume the rate stays constant.
Beem public closed variable mortgage rate; 5 year.
Conventional / uninsured
Rates disappear at their offer or freshness deadline. A rate hold starts with lender confirmation and does not extend a promotion. Confirm fees, prepayment privileges, portability and break penalties before choosing. Estimates assume the rate stays constant.
Beem public closed variable mortgage rate; 5 year.
Conventional / uninsured
Rates disappear at their offer or freshness deadline. A rate hold starts with lender confirmation and does not extend a promotion. Confirm fees, prepayment privileges, portability and break penalties before choosing. Estimates assume the rate stays constant.
Have a broker promo code? How your rates stay current
Supported public lender sources are checked every two hours. Each offer shows when its source was checked. Your matches refresh while this page is open.
Expired promotions and rates without recent verification are removed automatically. A lender’s rate hold is separate from a promotion deadline. Promotional badges identify special rates; broker cashback estimates appear separately.
Choose your property, down payment, province and amortization to see matching products, then compare up to three for payment, interest and balance. Confirm fees, prepayment privileges, penalties and any funding deadline with your broker.
How these estimates work
Monthly payments include principal and interest; no new borrower-paid default-insurance premium is included. HELOC estimates show interest only on the full amount drawn.
Fixed rates use semi-annual compounding; variable rates use monthly compounding. Estimates assume constant rates and no extra payments. Fees, penalties, property tax, home insurance and closing costs are excluded. Confirm the product’s contract and lender APR.
Results are from Pragmatic’s published catalog, sorted by nominal rate; they are not whole-market coverage or an approval. Catalog update dates are shown in each rate’s details.
Open a lender to see verified fixed and variable reference rates, conditions and source checks. These examples cover different down payments and terms; use the shopper to check your own situation.
Yes. Public rate cards update as lenders publish new pricing, but final approval still depends on the property, documentation, occupancy, insurance status, and lender policy at the time of application.
What affects the rate I see?+
Transaction type, down payment or equity, occupancy, amortization, term length, rate type, insurance status, and sometimes credit or documentation quality can all change pricing.
Is the lowest rate always the best mortgage?+
Not always. Penalties, prepayment privileges, portability, turnaround speed, and lender fit can matter just as much as the headline rate.
Can I lock a rate before I choose a lender?+
Usually you need an application and a lender selection to secure a formal rate hold. The public explorer helps you narrow the field before you start that step.
Should I compare renewal and refinance rates the same way?+
No. Renewal shopping focuses on term fit, features, and switching options. Refinancing adds penalties, legal fees, equity strategy, and a breakeven calculation.
Pragmatic Mortgage Lending · BC
Let’s find the mortgage behind the rate.
We’ll compare the offers you qualify for and explain the costs and trade-offs in plain language.
