CWB Optimum Mortgage (Alternative Lending) 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, 4:06 p.m. Pacific. Public sources are scheduled for checks every two hours. Unverified, expired and future offers are withheld.

Verified rate examples

6.45% · 5-year variable

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

Lender-reported APR 6.81%

National Bank Optimum Alternative posted variable-rate mortgage; prime plus 2%.

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

7.39% · 1-year fixed

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

Lender-reported APR 8.77%

National Bank Optimum Alternative posted fixed-rate loan; 1 year.

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

7.49% · 2-year fixed

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

Lender-reported APR 8.23%

National Bank Optimum Alternative posted fixed-rate loan; 2 years.

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

7.59% · 3-year fixed

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

Lender-reported APR 8.12%

National Bank Optimum Alternative posted fixed-rate loan; 3 years.

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

7.89% · 4-year fixed

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

Lender-reported APR 8.31%

National Bank Optimum Alternative posted fixed-rate loan; 4 years.

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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