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Lender rate guide

Beem Credit Union
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.

17 of 17 reference offers

5-year variableVariable ClosedUninsuredUp to 25-year amortization4.00%APRDetails
Product
Variable Closed
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

Beem public closed variable mortgage rate; 5 year.

Compare the reference scenarios (4)

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 variableVariable ClosedUninsuredUp to 25-year amortization4.15%APRDetails
Product
Variable Closed
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

Beem public closed variable mortgage rate; 3 year.

Compare the reference scenarios (4)

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 fixedInsuredInsuredUp to 25-year amortization4.34%APRDetails
Product
Insured
Insurance category
Insured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

Beem public featured insured 5-year fixed closed mortgage rate.

Compare the reference scenarios (2)

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 – 25 yrUninsuredUp to 25-year amortization4.44%APRDetails
Product
Uninsured – 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

Beem public fixed closed mortgage rate; 3 year; Uninsured – 25 yr.

Compare the reference scenarios (4)

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 amortization4.54%APRDetails
Product
Uninsured – 30 yr
Insurance category
Uninsured
Maximum amortization
30 years
APR basis
Estimated; confirm fees

Eligibility & conditions

Beem public fixed closed mortgage rate; 3 year; Uninsured – 30 yr.

Compare the reference scenarios (8)

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 – 25 yrUninsuredUp to 25-year amortization4.59%APRDetails
Product
Uninsured – 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

Beem public fixed closed mortgage rate; 2 year; Uninsured – 25 yr.

Compare the reference scenarios (4)

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 – 25 yrUninsuredUp to 25-year amortization4.59%APRDetails
Product
Uninsured – 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

Beem public fixed closed mortgage rate; 5 year; Uninsured – 25 yr.

Compare the reference scenarios (4)

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 – 25 yrUninsuredUp to 25-year amortization4.64%APRDetails
Product
Uninsured – 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

Beem public fixed closed mortgage rate; 4 year; Uninsured – 25 yr.

Compare the reference scenarios (4)

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 amortization4.69%APRDetails
Product
Uninsured – 30 yr
Insurance category
Uninsured
Maximum amortization
30 years
APR basis
Estimated; confirm fees

Eligibility & conditions

Beem public fixed closed mortgage rate; 2 year; Uninsured – 30 yr.

Compare the reference scenarios (8)

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 amortization4.69%APRDetails
Product
Uninsured – 30 yr
Insurance category
Uninsured
Maximum amortization
30 years
APR basis
Estimated; confirm fees

Eligibility & conditions

Beem public fixed closed mortgage rate; 5 year; Uninsured – 30 yr.

Compare the reference scenarios (8)

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 amortization4.74%APRDetails
Product
Uninsured – 30 yr
Insurance category
Uninsured
Maximum amortization
30 years
APR basis
Estimated; confirm fees

Eligibility & conditions

Beem public fixed closed mortgage rate; 4 year; Uninsured – 30 yr.

Compare the reference scenarios (8)

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

1-year fixedUninsured – 25 yrUninsuredUp to 25-year amortization4.79%APRDetails
Product
Uninsured – 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

Beem public fixed closed mortgage rate; 1 year; Uninsured – 25 yr.

Compare the reference scenarios (4)

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

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

Beem public fixed closed mortgage rate; 1 year; Uninsured – 30 yr.

Compare the reference scenarios (8)

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

7-year fixedUninsured – 25 yrUninsuredUp to 25-year amortization5.20%APRDetails
Product
Uninsured – 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

Beem public fixed closed mortgage rate; 7 year; Uninsured – 25 yr.

Compare the reference scenarios (4)

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

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

Eligibility & conditions

Beem public fixed closed mortgage rate; 7 year; Uninsured – 30 yr.

Compare the reference scenarios (8)

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

1-year variableVariable OpenUninsuredUp to 25-year amortization5.70%APRDetails
Product
Variable Open
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

Beem public open variable mortgage rate; 1 year.

Compare the reference scenarios (4)

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

1-year fixedOpen FixedUninsuredUp to 25-year amortization7.20%APRDetails
Product
Open Fixed
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

Beem public 1-year open fixed mortgage rate.

Compare the reference scenarios (4)

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

Match the Beem mortgage category

Beem’s rate examples in our catalogue distinguish mortgage categories and amortizations. Compare the same category, term and property use when evaluating a Beem offer against another lender.

Open the conditions for the particular Beem row. Check whether the example is insured or uninsured, whether your amortization fits, and how prepayments or a move would affect the contract.

Lender product information and conditions ↗

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

Before you choose.

Does Beem’s lowest example apply to a refinance?

A purchase example is not automatically a refinance offer. Choose refinancing in the shopper and check which current Beem offers match that scenario.

How do I check which Beem Credit Union rates fit my mortgage?

Use the shopper with Beem Credit Union 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.

All lenders →

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 Beem Credit Union
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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