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Verified examples for owner-occupied BC mortgages. Your eligibility and lender conditions affect your quote.

Reference scenarios and rate conditions

Current catalogue examples for owner-occupied British Columbia 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 Oct 3, 2026, 4:04 p.m. Pacific. Public sources are scheduled for checks every two hours. Unverified, expired and future offers are withheld.

Verified rate examples

3.70% · 5-year variable

Insured · insured · maximum 25-year amortization

Lender-reported APR 3.72%

Tru Cooperative public 5 year variable rate (closed) - insured; insured mortgage rate.

Insured purchase: $750,000 home, $75,000 down, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:13 p.m. Pacific.

Verification expires Oct 5, 2026, 2:13 a.m. Pacific. Recheck before a decision.

Lender source and conditions

3.85% · 5-year variable

Variable Closed · uninsured · maximum 25-year amortization

Lender-reported APR 3.87%

Tru Cooperative public 5 year variable rate (closed); standard mortgage rate.

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:13 p.m. Pacific.

Verification expires Oct 5, 2026, 2:13 a.m. Pacific. Recheck before a decision.

Lender source and conditions

4.59% · 5-year fixed

Insured · insured · maximum 25-year amortization

Lender-reported APR 4.61%

Tru Cooperative public 5 year fixed rate (closed) - insured; insured mortgage rate.

Insured purchase: $750,000 home, $75,000 down, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:13 p.m. Pacific.

Verification expires Oct 5, 2026, 2:13 a.m. Pacific. Recheck before a decision.

Lender source and conditions

4.64% · 3-year fixed

Uninsured – 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 4.67%

Tru Cooperative public 3 year fixed rate (closed); standard mortgage rate.

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:13 p.m. Pacific.

Verification expires Oct 5, 2026, 2:13 a.m. Pacific. Recheck before a decision.

Lender source and conditions

4.69% · 2-year fixed

Uninsured – 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 4.74%

Tru Cooperative public 2 year fixed rate (closed); standard mortgage rate.

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:13 p.m. Pacific.

Verification expires Oct 5, 2026, 2:13 a.m. Pacific. Recheck before a decision.

Lender source and conditions

4.69% · 4-year fixed

Uninsured – 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 4.72%

Tru Cooperative public 4 year fixed rate (closed); standard mortgage rate.

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:13 p.m. Pacific.

Verification expires Oct 5, 2026, 2:13 a.m. Pacific. Recheck before a decision.

Lender source and conditions

4.74% · 1-year fixed

Uninsured – 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 4.84%

Tru Cooperative public 1 year fixed rate (closed); standard mortgage rate.

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:13 p.m. Pacific.

Verification expires Oct 5, 2026, 2:13 a.m. Pacific. Recheck before a decision.

Lender source and conditions

4.74% · 5-year fixed

Uninsured – 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 4.76%

Tru Cooperative public 5 year fixed rate (closed); standard mortgage rate.

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:13 p.m. Pacific.

Verification expires Oct 5, 2026, 2:13 a.m. Pacific. Recheck before a decision.

Lender source and conditions

4.85% · 5-year variable

Variable Open · uninsured · maximum 25-year amortization

Lender-reported APR 4.87%

Tru Cooperative public 5 year variable rate (open); standard mortgage rate.

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:13 p.m. Pacific.

Verification expires Oct 5, 2026, 2:13 a.m. Pacific. Recheck before a decision.

Lender source and conditions

6.64% · 0.5-year fixed

Uninsured – 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 6.84%

Tru Cooperative public 6 month fixed rate (closed); standard mortgage rate.

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:13 p.m. Pacific.

Verification expires Oct 5, 2026, 2:13 a.m. Pacific. Recheck before a decision.

Lender source and conditions

7.39% · 7-year fixed

Uninsured – 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 7.41%

Tru Cooperative public 7 year fixed rate (closed); standard mortgage rate.

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:13 p.m. Pacific.

Verification expires Oct 5, 2026, 2:13 a.m. Pacific. Recheck before a decision.

Lender source and conditions

7.64% · 10-year fixed

Uninsured – 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 7.65%

Tru Cooperative public 10 year fixed rate (closed); standard mortgage rate.

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:13 p.m. Pacific.

Verification expires Oct 5, 2026, 2:13 a.m. Pacific. Recheck before a decision.

Lender source and conditions

7.70% · 0.5-year fixed

Fixed Open · uninsured · maximum 25-year amortization

Lender-reported APR 7.90%

Tru Cooperative public 6 month fixed rate (open); standard mortgage rate.

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:13 p.m. Pacific.

Verification expires Oct 5, 2026, 2:13 a.m. Pacific. Recheck before a decision.

Lender source and conditions

7.70% · 1-year fixed

Fixed Open · uninsured · maximum 25-year amortization

Lender-reported APR 7.80%

Tru Cooperative public 1 year fixed rate (open); standard mortgage rate.

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:13 p.m. Pacific.

Verification expires Oct 5, 2026, 2:13 a.m. Pacific. Recheck before a decision.

Lender source and conditions

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