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Lender rate guide

CMLS Financial
mortgage rates.

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

21 of 21 reference offers

5-year variableInsuredUp to 25-year amortization3.70%APRDetails
Product
Insured
Insurance category
Insured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

Verified lender email offer; 60 month variable; LTV 80.01–95%; amortization 10–25 years; BC. Minimum credit score 660. Standard owner-occupied purchases only; fully verified income. Insured purchases are limited to 1–2 units. All applicants meet the credit threshold. Loan ceiling is conservatively capped before insurance premium. CMLS location, population, property and sliding-scale rules apply. Rental, stated-income, pre-approval, rate buy-down and specialty programmes are excluded. The no-fee transfer benefit requires a loan of at least $150,000. Subject to lender approval.

Compare the reference scenarios (1)

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

Source & verification

Lender email received .

Updates checked .

Offer available until . Recheck before making a decision. A rate hold does not extend an offer's availability.

5-year variableInsurableUp to 25-year amortization3.95%APRDetails
Product
Insurable 75.01–80% LTV
Insurance category
Insurable
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

Verified lender email offer; 60 month variable; LTV 75.01–80%; amortization 10–25 years; BC. Minimum credit score 720. Standard owner-occupied purchases only; fully verified income. Insured purchases are limited to 1–2 units. At least one applicant meets the quoted credit threshold; other applicants require 660. Existing insurability and remaining amortization requirements apply. CMLS location, population, property and sliding-scale rules apply. Rental, stated-income, pre-approval, rate buy-down and specialty programmes are excluded. The no-fee transfer benefit requires a loan of at least $150,000. Subject to lender approval.

Compare the reference scenarios (1)

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

Source & verification

Lender email received .

Updates checked .

Offer available until . Recheck before making a decision. A rate hold does not extend an offer's availability.

5-year variableUninsuredUp to 30-year amortization4.14%APRDetails
Product
Uninsured – 30 yr
Insurance category
Uninsured
Maximum amortization
30 years
APR basis
Estimated; confirm fees

Eligibility & conditions

Verified lender email offer; 60 month variable; LTV 0.01–80%; amortization 10–30 years; BC. Minimum credit score 680. Standard owner-occupied programme only. All applicants must meet the credit threshold. Eligible CMLS residential locations and property requirements apply, including regional sliding scales. Specials, HomeLine, rental, stated-income, Smart Cash and broker buy-downs are excluded. Transfers below $150,000 do not qualify for the no-fee transfer benefit. A 120-day rate guarantee does not extend this quote’s verification deadline. Subject to lender approval.

Compare the reference scenarios (3)

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

Source & verification

Lender email received .

Updates checked .

Offer available until . Recheck before making a decision. A rate hold does not extend an offer's availability.

2-year fixedUninsuredUp to 25-year amortization4.64%APRDetails
Product
Uninsured – 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

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

Compare the reference scenarios (4)

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

5-year variableUninsuredUp to 25-year amortization4.65%APRDetails
Product
Standard
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

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

Compare the reference scenarios (4)

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

3-year variableUninsuredUp to 25-year amortization4.75%APRDetails
Product
Standard
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

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

Compare the reference scenarios (4)

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

3-year fixedUninsuredUp to 25-year amortization4.84%APRDetails
Product
Standard
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

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

Compare the reference scenarios (4)

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

4-year fixedUninsuredUp to 25-year amortization4.89%APRDetails
Product
Uninsured – 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

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

Compare the reference scenarios (4)

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

5-year fixedInsuredUp to 25-year amortization4.89%APRDetails
Product
Insured
Insurance category
Insured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

Verified lender email offer; 60 month fixed; LTV 80.01–95%; amortization 10–25 years; BC. Minimum credit score 660. Standard owner-occupied purchases only; fully verified income. Insured purchases are limited to 1–2 units. All applicants meet the credit threshold. Loan ceiling is conservatively capped before insurance premium. CMLS location, population, property and sliding-scale rules apply. Rental, stated-income, pre-approval, rate buy-down and specialty programmes are excluded. The no-fee transfer benefit requires a loan of at least $150,000. Subject to lender approval.

Compare the reference scenarios (1)

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

Source & verification

Lender email received .

Updates checked .

Offer available until . Recheck before making a decision. A rate hold does not extend an offer's availability.

4-year fixedUninsuredUp to 25-year amortization4.94%APRDetails
Product
Standard
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

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

Compare the reference scenarios (4)

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 fixedUninsuredUp to 25-year amortization5.09%APRDetails
Product
Standard
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

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

Compare the reference scenarios (4)

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

5-year fixedInsurableUp to 25-year amortization5.09%APRDetails
Product
Insurable 75.01–80% LTV
Insurance category
Insurable
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

Verified lender email offer; 60 month fixed; LTV 75.01–80%; amortization 10–25 years; BC. Minimum credit score 720. Standard owner-occupied purchases only; fully verified income. Insured purchases are limited to 1–2 units. At least one applicant meets the quoted credit threshold; other applicants require 660. Existing insurability and remaining amortization requirements apply. CMLS location, population, property and sliding-scale rules apply. Rental, stated-income, pre-approval, rate buy-down and specialty programmes are excluded. The no-fee transfer benefit requires a loan of at least $150,000. Subject to lender approval.

Compare the reference scenarios (1)

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

Source & verification

Lender email received .

Updates checked .

Offer available until . Recheck before making a decision. A rate hold does not extend an offer's availability.

5-year fixedUninsuredUp to 25-year amortization5.09%APRDetails
Product
Standard
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

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

Compare the reference scenarios (4)

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 fixedUninsuredUp to 25-year amortization5.14%APRDetails
Product
Uninsured – 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

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

Compare the reference scenarios (4)

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

5-year fixedUninsuredUp to 30-year amortization5.31%APRDetails
Product
Uninsured – 30 yr
Insurance category
Uninsured
Maximum amortization
30 years
APR basis
Estimated; confirm fees

Eligibility & conditions

Verified lender email offer; 60 month fixed; LTV 0.01–80%; amortization 10–30 years; BC. Minimum credit score 680. Standard owner-occupied programme only. All applicants must meet the credit threshold. Eligible CMLS residential locations and property requirements apply, including regional sliding scales. Specials, HomeLine, rental, stated-income, Smart Cash and broker buy-downs are excluded. Transfers below $150,000 do not qualify for the no-fee transfer benefit. A 120-day rate guarantee does not extend this quote’s verification deadline. Subject to lender approval.

Compare the reference scenarios (3)

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

Source & verification

Lender email received .

Updates checked .

Offer available until . Recheck before making a decision. A rate hold does not extend an offer's availability.

3-year fixedUninsuredUp to 25-year amortization5.44%APRDetails
Product
Uninsured – 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

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

Compare the reference scenarios (4)

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

5-year fixedUninsuredUp to 25-year amortization5.44%APRDetails
Product
Uninsured – 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

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

Compare the reference scenarios (4)

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 fixedUninsuredUp to 25-year amortization5.54%APRDetails
Product
Standard
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

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

Compare the reference scenarios (4)

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

6-year fixedUninsuredUp to 25-year amortization7.34%APRDetails
Product
Standard
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

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

Compare the reference scenarios (4)

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

7-year fixedUninsuredUp to 25-year amortization7.99%APRDetails
Product
Standard
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

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

Compare the reference scenarios (4)

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

10-year fixedUninsuredUp to 25-year amortization8.09%APRDetails
Product
Standard
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

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

Compare the reference scenarios (4)

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

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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.

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