Mortgage rates Lenders CWB Optimum Mortgage (Alternative Lending) Current rates Lender guide Questions Compare the possibilities. Owner-occupied BC & Ontario reference scenarios. Conditions vary by product.
All purposes Buying Renewing / switching Refinancing
All rates Variable Fixed
All terms 1 year 2 years 3 years 4 years 5 years Lowest APR first Shortest term first
5 of 5 reference offers
Term & rate type Mortgage category Annual percentage rate
5-year variable Uninsured – 25 yr Uninsured Up to 25-year amortization 6.81% APR Contract 6.70% Details
Product Uninsured – 25 yr
Insurance category Uninsured
Maximum amortization 25 years
APR basis Lender reported Eligibility & conditions National Bank Optimum Alternative posted variable-rate mortgage; prime plus 2%.
Compare the reference scenarios (4) These scenarios matched this offer. They are examples, not confirmation of your eligibility.
20% down purchase: $750,000 home, $150,000 down, 25-year amortization, credit score 760 20% down purchase: $750,000 home, $150,000 down, 25-year amortization Renewal: $750,000 home, $150,000 equity, 25-year amortization Renewal: $750,000 home, $150,000 equity, 25-year amortization, credit score 760 Source & verification Public lender source checked Nov 13, 2026, 6:06 a.m. Pacific .
Verification expires Nov 14, 2026, 6:06 p.m. Pacific . Recheck before making a decision. A rate hold does not extend an offer's availability.
Lender source & conditions
3-year fixed Uninsured – 25 yr Uninsured Up to 25-year amortization 8.12% APR Contract 7.59% Details
Product Uninsured – 25 yr
Insurance category Uninsured
Maximum amortization 25 years
APR basis Lender reported Eligibility & conditions National Bank Optimum Alternative posted fixed-rate loan; 3 years.
Compare the reference scenarios (4) These scenarios matched this offer. They are examples, not confirmation of your eligibility.
20% down purchase: $750,000 home, $150,000 down, 25-year amortization, credit score 760 20% down purchase: $750,000 home, $150,000 down, 25-year amortization Renewal: $750,000 home, $150,000 equity, 25-year amortization Renewal: $750,000 home, $150,000 equity, 25-year amortization, credit score 760 Source & verification Public lender source checked Nov 13, 2026, 6:06 a.m. Pacific .
Verification expires Nov 14, 2026, 6:06 p.m. Pacific . Recheck before making a decision. A rate hold does not extend an offer's availability.
Lender source & conditions
2-year fixed Uninsured – 25 yr Uninsured Up to 25-year amortization 8.23% APR Contract 7.49% Details
Product Uninsured – 25 yr
Insurance category Uninsured
Maximum amortization 25 years
APR basis Lender reported Eligibility & conditions National Bank Optimum Alternative posted fixed-rate loan; 2 years.
Compare the reference scenarios (4) These scenarios matched this offer. They are examples, not confirmation of your eligibility.
20% down purchase: $750,000 home, $150,000 down, 25-year amortization, credit score 760 20% down purchase: $750,000 home, $150,000 down, 25-year amortization Renewal: $750,000 home, $150,000 equity, 25-year amortization Renewal: $750,000 home, $150,000 equity, 25-year amortization, credit score 760 Source & verification Public lender source checked Nov 13, 2026, 6:06 a.m. Pacific .
Verification expires Nov 14, 2026, 6:06 p.m. Pacific . Recheck before making a decision. A rate hold does not extend an offer's availability.
Lender source & conditions
4-year fixed Uninsured – 25 yr Uninsured Up to 25-year amortization 8.31% APR Contract 7.89% Details
Product Uninsured – 25 yr
Insurance category Uninsured
Maximum amortization 25 years
APR basis Lender reported Eligibility & conditions National Bank Optimum Alternative posted fixed-rate loan; 4 years.
Compare the reference scenarios (4) These scenarios matched this offer. They are examples, not confirmation of your eligibility.
20% down purchase: $750,000 home, $150,000 down, 25-year amortization, credit score 760 20% down purchase: $750,000 home, $150,000 down, 25-year amortization Renewal: $750,000 home, $150,000 equity, 25-year amortization Renewal: $750,000 home, $150,000 equity, 25-year amortization, credit score 760 Source & verification Public lender source checked Nov 13, 2026, 6:06 a.m. Pacific .
Verification expires Nov 14, 2026, 6:06 p.m. Pacific . Recheck before making a decision. A rate hold does not extend an offer's availability.
Lender source & conditions
1-year fixed Uninsured – 25 yr Uninsured Up to 25-year amortization 8.77% APR Contract 7.39% Details
Product Uninsured – 25 yr
Insurance category Uninsured
Maximum amortization 25 years
APR basis Lender reported Eligibility & conditions National Bank Optimum Alternative posted fixed-rate loan; 1 year.
Compare the reference scenarios (4) These scenarios matched this offer. They are examples, not confirmation of your eligibility.
20% down purchase: $750,000 home, $150,000 down, 25-year amortization, credit score 760 20% down purchase: $750,000 home, $150,000 down, 25-year amortization Renewal: $750,000 home, $150,000 equity, 25-year amortization Renewal: $750,000 home, $150,000 equity, 25-year amortization, credit score 760 Source & verification Public lender source checked Nov 13, 2026, 6:06 a.m. Pacific .
Verification expires Nov 14, 2026, 6:06 p.m. Pacific . Recheck before making a decision. A rate hold does not extend an offer's availability.
Lender source & conditions
Beyond the headline
Optimum alternative pricing The Optimum alternative-lending entry uses its published alternative rate source. It should be evaluated against other alternative offers with comparable income and property requirements.
Ask for the quoted product, all lender and broker fees, the net proceeds after closing costs and the renewal plan. Check the lender and servicing details on the actual commitment.
Lender product information and conditions ↗ Bring the full offer. A rate is the starting point. A renewal letter or written quote lets you compare the costs and conditions that matter to your plans.
Product guide updated November 3, 2026 . Rate evidence is dated separately in each offer. FCAC: choosing a mortgage .
Before you choose. Is a National Bank prime rate an Optimum quote? Our catalogue keeps National Bank’s general mortgage entry and this alternative entry separate. Compare the applicable program and written conditions rather than substituting a prime headline.
How do I check which CWB Optimum Mortgage (Alternative Lending) rates fit my mortgage? Use the shopper with CWB Optimum Mortgage (Alternative Lending) 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.
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.
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 Nov 14, 2026, 1:48 a.m. Pacific . 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.
