Eclipse (MCAP & RMG)
mortgage rates.
Compare current rate examples, then check what fits your mortgage.
Compare the possibilities.
Owner-occupied BC & Ontario reference scenarios. Conditions vary by product.
No current verified examples
We have no current matching offers for these reference scenarios. A broker can check the lender's options for your circumstances, or you can compare other lenders in the rate shopper.
Beyond the headline
Eclipse alternative mortgages
Eclipse describes itself as MCAP and RMG Mortgages’ alternative mortgage solution, including borrowers whose credit has been affected by major life events.
Compare the Eclipse commitment’s income requirements, fees, prepayment conditions and term-end plan. MCAP or RMG prime pricing should not be substituted for an Eclipse quote.
Lender product information and conditions ↗Product guide updated . Rate evidence is dated separately in each offer. FCAC: choosing a mortgage.
Before you choose.
Does an Eclipse option guarantee approval after a credit problem?
No. The program still requires lender assessment. Your broker should explain what evidence is needed and whether the proposed mortgage remains manageable through renewal.
How do I check which Eclipse (MCAP & RMG) rates fit my mortgage?
Use the shopper with Eclipse (MCAP & RMG) 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.
Keep your options open.
Related lenders and programs to explore. Eligibility and access differ.
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.