Lender rate guide

DUCA (Near Prime)
mortgage rates.

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

5 of 5 reference offers

1-year fixedPromotion · conditions applyUninsuredUp to 30-year amortization4.89%APRDetails

Product: Uninsured – 30 yr
Insurance category: Uninsured
Maximum amortization: 30 years
APR basis: Estimated; confirm fees

Eligibility & conditions

Promotional offer. Conditions and the lender's availability deadline apply.

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.

Ontario purchase: $750,000 home, $225,000 down, 30-year amortization, credit score 760

Source & verification

Public lender source checked Oct 23, 2026, 6:01 a.m. Pacific.

Verification expires Oct 24, 2026, 6:01 p.m. Pacific. Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

2-year fixedPromotion · conditions applyUninsuredUp to 30-year amortization4.99%APRDetails

Product: Uninsured – 30 yr
Insurance category: Uninsured
Maximum amortization: 30 years
APR basis: Estimated; confirm fees

Eligibility & conditions

Promotional offer. Conditions and the lender's availability deadline apply.

Compare the reference scenarios (1)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Ontario purchase: $750,000 home, $225,000 down, 30-year amortization, credit score 760

Source & verification

Public lender source checked Oct 23, 2026, 6:01 a.m. Pacific.

Verification expires Oct 24, 2026, 6:01 p.m. Pacific. Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

3-year fixedPromotion · conditions applyUninsuredUp to 30-year amortization5.09%APRDetails

Product: Uninsured – 30 yr
Insurance category: Uninsured
Maximum amortization: 30 years
APR basis: Estimated; confirm fees

Eligibility & conditions

Promotional offer. Conditions and the lender's availability deadline apply.

Compare the reference scenarios (1)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Ontario purchase: $750,000 home, $225,000 down, 30-year amortization, credit score 760

Source & verification

Public lender source checked Oct 23, 2026, 6:01 a.m. Pacific.

Verification expires Oct 24, 2026, 6:01 p.m. Pacific. Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

4-year fixedPromotion · conditions applyUninsuredUp to 30-year amortization5.54%APRDetails

Product: Uninsured – 30 yr
Insurance category: Uninsured
Maximum amortization: 30 years
APR basis: Estimated; confirm fees

Eligibility & conditions

Promotional offer. Conditions and the lender's availability deadline apply.

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.

Ontario purchase: $750,000 home, $225,000 down, 30-year amortization, credit score 760

Source & verification

Public lender source checked Oct 23, 2026, 6:01 a.m. Pacific.

Verification expires Oct 24, 2026, 6:01 p.m. Pacific. Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

5-year fixedPromotion · conditions applyUninsuredUp to 30-year amortization5.54%APRDetails

Product: Uninsured – 30 yr
Insurance category: Uninsured
Maximum amortization: 30 years
APR basis: Estimated; confirm fees

Eligibility & conditions

Promotional offer. Conditions and the lender's availability deadline apply.

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.

Ontario purchase: $750,000 home, $225,000 down, 30-year amortization, credit score 760

Source & verification

Public lender source checked Oct 23, 2026, 6:01 a.m. Pacific.

Verification expires Oct 24, 2026, 6:01 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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