Skip to content
pragmatic.Mortgage lending
Talk to a broker
Lender rate guide

DUCA
mortgage rates.

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

Check my mortgage Talk to a broker

Compare the possibilities.

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

2 of 2 reference offers

5-year fixedInsuredInsuredUp to 25-year amortization4.39%APRDetails
Product
Insured
Insurance category
Insured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

DUCA advertised high-ratio fixed mortgage rate; 5 Year.

Compare the reference scenarios (2)

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 fixedInsuredInsuredUp to 25-year amortization4.49%APRDetails
Product
Insured
Insurance category
Insured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

DUCA advertised high-ratio fixed mortgage rate; 3 Year.

Compare the reference scenarios (2)

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

Beyond the headline

DUCA mortgage vs Near Prime

DUCA’s borrower mortgage page describes payment schedules, prepayment options and mortgage transfers. Our directory lists its Near Prime program separately so the applicable conditions remain clear.

Confirm property location and program access before comparing rates. Ask which payment and prepayment options belong to the actual quote, and whether the transfer changes any existing terms.

Lender product information and conditions ↗

Product guide updated . Rate evidence is dated separately in each offer. FCAC: choosing a mortgage.

Before you choose.

Does DUCA’s public mortgage rate establish BC availability?

No. The rate page and our reference examples do not establish service in every province. A broker must confirm the applicable location and channel before proceeding.

How do I check which DUCA rates fit my mortgage?

Use the shopper with DUCA 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.

Payment calculatorMortgage penalty estimateRefinancing guide

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.

Compare my options Ask about DUCA
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.

How we verify rates Public rate data (JSON) Tools for AI assistants