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DUCA (Near Prime)
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

1-year fixedUninsured – 30 yrUninsuredUp to 30-year amortization4.89%APRDetails
Product
Uninsured – 30 yr
Insurance category
Uninsured
Maximum amortization
30 years
APR basis
Estimated; confirm fees

Eligibility & conditions

DUCA Near Prime standard pricing; primary borrower credit 720+, owner-occupied purchase/refinance, Ontario approved lending areas, up to 30 years and 80% LTV. Comparison restricted to property values up to $800,000 and loans up to $640,000 before geographic sliding-scale limits. GDS/TDS maximum 55/60; lender fee 1%. Membership, eligible property size, income, location and lender underwriting apply. BFS, bruised credit, rentals and separate promotions excluded.

Compare the reference scenarios (1)

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 fixedUninsured – 30 yrUninsuredUp to 30-year amortization4.99%APRDetails
Product
Uninsured – 30 yr
Insurance category
Uninsured
Maximum amortization
30 years
APR basis
Estimated; confirm fees

Eligibility & conditions

DUCA Near Prime standard pricing; primary borrower credit 720+, owner-occupied purchase/refinance, Ontario approved lending areas, up to 30 years and 80% LTV. Comparison restricted to property values up to $800,000 and loans up to $640,000 before geographic sliding-scale limits. GDS/TDS maximum 55/60; lender fee 1%. Membership, eligible property size, income, location and lender underwriting apply. BFS, bruised credit, rentals and separate promotions excluded.

Compare the reference scenarios (1)

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 fixedUninsured – 30 yrUninsuredUp to 30-year amortization5.09%APRDetails
Product
Uninsured – 30 yr
Insurance category
Uninsured
Maximum amortization
30 years
APR basis
Estimated; confirm fees

Eligibility & conditions

DUCA Near Prime standard pricing; primary borrower credit 720+, owner-occupied purchase/refinance, Ontario approved lending areas, up to 30 years and 80% LTV. Comparison restricted to property values up to $800,000 and loans up to $640,000 before geographic sliding-scale limits. GDS/TDS maximum 55/60; lender fee 1%. Membership, eligible property size, income, location and lender underwriting apply. BFS, bruised credit, rentals and separate promotions excluded.

Compare the reference scenarios (1)

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 fixedUninsured – 30 yrUninsuredUp to 30-year amortization5.54%APRDetails
Product
Uninsured – 30 yr
Insurance category
Uninsured
Maximum amortization
30 years
APR basis
Estimated; confirm fees

Eligibility & conditions

DUCA Near Prime standard pricing; primary borrower credit 720+, owner-occupied purchase/refinance, Ontario approved lending areas, up to 30 years and 80% LTV. Comparison restricted to property values up to $800,000 and loans up to $640,000 before geographic sliding-scale limits. GDS/TDS maximum 55/60; lender fee 0%. Membership, eligible property size, income, location and lender underwriting apply. BFS, bruised credit, rentals and separate promotions excluded.

Compare the reference scenarios (1)

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 fixedUninsured – 30 yrUninsuredUp to 30-year amortization5.54%APRDetails
Product
Uninsured – 30 yr
Insurance category
Uninsured
Maximum amortization
30 years
APR basis
Estimated; confirm fees

Eligibility & conditions

DUCA Near Prime standard pricing; primary borrower credit 720+, owner-occupied purchase/refinance, Ontario approved lending areas, up to 30 years and 80% LTV. Comparison restricted to property values up to $800,000 and loans up to $640,000 before geographic sliding-scale limits. GDS/TDS maximum 55/60; lender fee 0%. Membership, eligible property size, income, location and lender underwriting apply. BFS, bruised credit, rentals and separate promotions excluded.

Compare the reference scenarios (1)

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

Near Prime has its own conditions

DUCA Near Prime appears separately from DUCA’s general mortgage entry. Compare the Near Prime offer’s own conditions and fees rather than assuming a retail DUCA rate applies.

Have the broker identify the program, accepted income evidence, eligible property location and total closing deductions. Review the proposed renewal or refinance plan before choosing a short term.

Lender product information and conditions ↗

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

Before you choose.

Why does the DUCA Near Prime quote differ from DUCA’s public rate?

The program and borrower scenario may differ. Use the source and conditions on the specific Near Prime offer to establish a fair comparison.

How do I check which DUCA (Near Prime) rates fit my mortgage?

Use the shopper with DUCA (Near Prime) 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.

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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 (Near Prime)
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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