CMLS Financial rates today

Verified examples for owner-occupied BC mortgages. Your eligibility and lender conditions affect your quote.

Reference scenarios and rate conditions

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.

Catalogue retrieved Oct 3, 2026, 4:04 p.m. Pacific. Public sources are scheduled for checks every two hours. Unverified, expired and future offers are withheld.

Verified rate examples

4.64% · 2-year fixed

Uninsured – 25 yr · uninsured · maximum 25-year amortization

CMLS public uninsured closed fixed mortgage rate; 2 YEAR UNINSURED CLOSED.

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

4.65% · 5-year variable

Standard · uninsured · maximum 25-year amortization

CMLS public adjustable mortgage rate; ADJUSTABLE 5 YEAR MORTGAGES; CMLS Prime 4.45%.

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

4.75% · 3-year variable

Standard · uninsured · maximum 25-year amortization

CMLS public adjustable mortgage rate; ADJUSTABLE 3 YEAR MORTGAGES; CMLS Prime 4.45%.

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

4.84% · 3-year fixed

Standard · uninsured · maximum 25-year amortization

CMLS public standard fixed mortgage rate; FIXED 3 YEAR MORTGAGES.

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

4.89% · 4-year fixed

Uninsured – 25 yr · uninsured · maximum 25-year amortization

CMLS public uninsured closed fixed mortgage rate; 4 YEAR UNINSURED CLOSED.

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

4.94% · 4-year fixed

Standard · uninsured · maximum 25-year amortization

CMLS public standard fixed mortgage rate; FIXED 4 YEAR MORTGAGES.

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

5.09% · 2-year fixed

Standard · uninsured · maximum 25-year amortization

CMLS public standard fixed mortgage rate; FIXED 2 YEAR MORTGAGES.

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

5.09% · 5-year fixed

Standard · uninsured · maximum 25-year amortization

CMLS public standard fixed mortgage rate; FIXED 5 YEAR MORTGAGES.

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

5.14% · 1-year fixed

Uninsured – 25 yr · uninsured · maximum 25-year amortization

CMLS public uninsured closed fixed mortgage rate; 1 YEAR UNINSURED CLOSED.

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

5.44% · 3-year fixed

Uninsured – 25 yr · uninsured · maximum 25-year amortization

CMLS public uninsured closed fixed mortgage rate; 3 YEAR UNINSURED CLOSED.

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

5.44% · 5-year fixed

Uninsured – 25 yr · uninsured · maximum 25-year amortization

CMLS public uninsured closed fixed mortgage rate; 5 YEAR UNINSURED CLOSED.

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

5.54% · 1-year fixed

Standard · uninsured · maximum 25-year amortization

CMLS public standard fixed mortgage rate; FIXED 1 YEAR MORTGAGE.

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

7.34% · 6-year fixed

Standard · uninsured · maximum 25-year amortization

CMLS public standard fixed mortgage rate; FIXED 6 YEAR MORTGAGES.

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

7.99% · 7-year fixed

Standard · uninsured · maximum 25-year amortization

CMLS public standard fixed mortgage rate; FIXED 7 YEAR MORTGAGES.

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

8.09% · 10-year fixed

Standard · uninsured · maximum 25-year amortization

CMLS public standard fixed mortgage rate; FIXED 10 YEAR MORTGAGES.

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

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