NPX
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
NPX product and province matter
MERIX describes NPX as its alternative mortgage product, with distinct product names and province availability. Its public lineup includes AXIS and Xtend40, while some other options are Ontario-specific.
For a BC property, confirm which NPX product is available. Compare amortization, total interest, fees and a realistic renewal plan; a longer amortization can reduce payments while extending repayment.
Lender product information and conditions ↗Product guide updated . Rate evidence is dated separately in each offer. FCAC: choosing a mortgage.
Before you choose.
Can every NPX product be used in BC?
No. MERIX’s published NPX lineup distinguishes provincial availability. Ask for the current BC product rather than relying on an Ontario-specific feature or quote.
How do I check which NPX rates fit my mortgage?
Use the shopper with NPX 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.