Skip to content
pragmatic.Mortgage lending
Talk to a broker
Lender rate guide

Bridgewater Bank
mortgage rates.

Compare current rate examples, then check what fits your mortgage.

Check my mortgage Talk to a broker

Compare the possibilities.

Owner-occupied BC & Ontario reference scenarios. Conditions vary by product.

3 of 3 reference offers

3-year fixedUninsured – 30 yrUninsuredUp to 30-year amortization5.93%APRContract 5.49%Details
Product
Uninsured – 30 yr
Insurance category
Uninsured
Maximum amortization
30 years
APR basis
Lender reported

Eligibility & conditions

Bridgewater Gateway base 3-year fixed; credit 680+, max 80% LTV, 1% lender fee. Published APR example uses a $300,000 loan and 30-year amortization. This comparison covers owner-occupied purchases/refinances, loans $100,000–$1,000,000 and amortization up to 30 years. Location, condo, well/septic, acreage and other premiums may apply; lender underwriting and approved lending areas apply. Rental and 35-year pricing excluded.

Compare the reference scenarios (3)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

2-year fixedUninsured – 30 yrUninsuredUp to 30-year amortization6.00%APRContract 5.39%Details
Product
Uninsured – 30 yr
Insurance category
Uninsured
Maximum amortization
30 years
APR basis
Lender reported

Eligibility & conditions

Bridgewater Gateway base 2-year fixed; credit 680+, max 80% LTV, 1% lender fee. Published APR example uses a $300,000 loan and 30-year amortization. This comparison covers owner-occupied purchases/refinances, loans $100,000–$1,000,000 and amortization up to 30 years. Location, condo, well/septic, acreage and other premiums may apply; lender underwriting and approved lending areas apply. Rental and 35-year pricing excluded.

Compare the reference scenarios (3)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

1-year fixedUninsured – 30 yrUninsuredUp to 30-year amortization6.25%APRContract 5.14%Details
Product
Uninsured – 30 yr
Insurance category
Uninsured
Maximum amortization
30 years
APR basis
Lender reported

Eligibility & conditions

Bridgewater Gateway base 1-year fixed; credit 680+, max 80% LTV, 1% lender fee. Published APR example uses a $300,000 loan and 30-year amortization. This comparison covers owner-occupied purchases/refinances, loans $100,000–$1,000,000 and amortization up to 30 years. Location, condo, well/septic, acreage and other premiums may apply; lender underwriting and approved lending areas apply. Rental and 35-year pricing excluded.

Compare the reference scenarios (3)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

Beyond the headline

Gateway and income documentation

Bridgewater’s Gateway resources address alternative mortgages, self-employed income and rental financing. The relevant program and income-evidence route matter alongside the rate.

Ask which Gateway program is being considered, how business income will be supported, what fees are deducted at closing and how much it would cost to repay or refinance at term end.

Lender product information and conditions ↗

Product guide updated . Rate evidence is dated separately in each offer. FCAC: choosing a mortgage.

Before you choose.

Does alternative income documentation mean no documents?

No. Bridgewater describes different ways of supporting income. Your broker should confirm the records needed for the particular program and your business structure.

How do I check which Bridgewater Bank rates fit my mortgage?

Use the shopper with Bridgewater Bank selected, then enter your purchase, renewal or refinance details. Reference scenarios are examples; matching a rate is not lender approval. You can clear the lender filter to compare alternatives.

Check my scenario →
Can Pragmatic arrange every offer listed here?

A listing does not confirm a lender appointment or access to every product or promotion. Ask us to confirm the lender, program and application channel for your BC property. Our brokerage services are available in British Columbia.

Where can I compare payments and switching costs?

Use the payment calculator for an estimate, then include any payout penalty, discharge, appraisal and legal costs in a switching or refinance comparison. Confirm those costs with your current lender and the proposed lender.

Payment calculatorMortgage penalty estimateRefinancing guide

Related lenders and programs to explore. Eligibility and access differ.

All lenders →

Compare with your own numbers.

Compare payments and terms for your own numbers, or get a broker’s help with eligibility, fees and the details that matter to you.

Compare my options Ask about Bridgewater Bank
About these rates & reference scenarios

Current catalogue examples for owner-occupied British Columbia and Ontario 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.

Catalogue retrieved . Public sources are scheduled for checks once daily at 6 a.m. Vancouver time. Unverified, expired and future offers are withheld.

A listing does not confirm that a lender has appointed this brokerage or that every lender product is available through us.

How we verify rates Public rate data (JSON) Tools for AI assistants