Lender rate guide

CWB Optimum Mortgage (Alternative Lending)
mortgage rates.

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

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Compare the possibilities.

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

5 of 5 reference offers

5-year variableUninsuredUp to 25-year amortization6.81%APRContract 6.45%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.

Source & verification

Public lender source checked Oct 24, 2026, 6:08 a.m. Pacific.

Verification expires Oct 25, 2026, 6:08 p.m. Pacific. Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

3-year fixedUninsuredUp to 25-year amortization8.12%APRContract 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.

Source & verification

Public lender source checked Oct 24, 2026, 6:08 a.m. Pacific.

Verification expires Oct 25, 2026, 6:08 p.m. Pacific. Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

2-year fixedUninsuredUp to 25-year amortization8.23%APRContract 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.

Source & verification

Public lender source checked Oct 24, 2026, 6:08 a.m. Pacific.

Verification expires Oct 25, 2026, 6:08 p.m. Pacific. Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

4-year fixedUninsuredUp to 25-year amortization8.31%APRContract 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.

Source & verification

Public lender source checked Oct 24, 2026, 6:08 a.m. Pacific.

Verification expires Oct 25, 2026, 6:08 p.m. Pacific. Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

1-year fixedUninsuredUp to 25-year amortization8.77%APRContract 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.

Source & verification

Public lender source checked Oct 24, 2026, 6:08 a.m. Pacific.

Verification expires Oct 25, 2026, 6:08 p.m. Pacific. Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

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