Lender rate guide

Eclipse (MCAP & RMG)
mortgage rates.

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

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

3 of 3 reference offers

1-year fixedUninsuredUp to 30-year amortization4.89%APRDetails

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

Eligibility & conditions

Verified lender email offer; 12 month fixed; LTV 0.01–80%; amortization up to 30 years; AB, BC, MB, SK. Minimum credit score 680. Disclosed lender fee 1% of the mortgage amount; see lender conditions. Conforming owner-occupied purchases and refinances only; loans up to $1,000,000, debt service ratios up to 50%. No rental, second-home, recent major credit event, non-conforming or longer-amortization pricing is included. Brokerage pricing tier verified. Lender location and underwriting requirements apply. Subject to lender approval.

Compare the reference scenarios (2)

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

Source & verification

Lender email received Oct 14, 2026, 12:05 p.m. Pacific.

Updates checked Oct 23, 2026, 7:03 a.m. Pacific.

Offer available until Jan 12, 2027, 12:05 p.m. Pacific. Recheck before making a decision. A rate hold does not extend an offer's availability.

2-year fixedUninsuredUp to 30-year amortization5.04%APRDetails

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

Eligibility & conditions

Verified lender email offer; 24 month fixed; LTV 0.01–80%; amortization up to 30 years; AB, BC, MB, SK. Minimum credit score 680. Disclosed lender fee 1% of the mortgage amount; see lender conditions. Conforming owner-occupied purchases and refinances only; loans up to $1,000,000, debt service ratios up to 50%. No rental, second-home, recent major credit event, non-conforming or longer-amortization pricing is included. Brokerage pricing tier verified. Lender location and underwriting requirements apply. Subject to lender approval.

Compare the reference scenarios (2)

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

Source & verification

Lender email received Oct 14, 2026, 12:05 p.m. Pacific.

Updates checked Oct 23, 2026, 7:03 a.m. Pacific.

Offer available until Jan 12, 2027, 12:05 p.m. Pacific. Recheck before making a decision. A rate hold does not extend an offer's availability.

3-year fixedUninsuredUp to 30-year amortization5.19%APRDetails

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

Eligibility & conditions

Verified lender email offer; 36 month fixed; LTV 0.01–80%; amortization up to 30 years; AB, BC, MB, SK. Minimum credit score 680. Disclosed lender fee 1% of the mortgage amount; see lender conditions. Conforming owner-occupied purchases and refinances only; loans up to $1,000,000, debt service ratios up to 50%. No rental, second-home, recent major credit event, non-conforming or longer-amortization pricing is included. Brokerage pricing tier verified. Lender location and underwriting requirements apply. Subject to lender approval.

Compare the reference scenarios (2)

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

Source & verification

Lender email received Oct 14, 2026, 12:05 p.m. Pacific.

Updates checked Oct 23, 2026, 7:03 a.m. Pacific.

Offer available until Jan 12, 2027, 12:05 p.m. Pacific. Recheck before making a decision. A rate hold does not extend an offer's availability.

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