Prospera rates today

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, 4:02 p.m. Pacific. Public sources are scheduled for checks every two hours. Unverified, expired and future offers are withheld.

Verified rate examples

4.19% · 5-year fixed

Insured · insured · maximum 25-year amortization

Prospera advertised public mortgage rate; 5-Year Closed - Insured.

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

4.39% · 2-year fixed

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

Prospera advertised public mortgage rate; 2-Year Closed.

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

4.49% · 3-year fixed

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

Prospera advertised public mortgage rate; 3-Year Closed.

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

4.64% · 4-year fixed

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

Prospera advertised public mortgage rate; 4-Year Closed.

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

Prospera advertised public mortgage rate; 5-Year Closed.

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

4.89% · 1-year fixed

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

Prospera advertised public mortgage rate; 1-Year Closed.

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

4.89% · 7-year fixed

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

Prospera advertised public mortgage rate; 7-Year Closed.

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

5.09% · 10-year fixed

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

Prospera advertised public mortgage rate; 10-Year Closed.

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

6.39% · 1-year fixed

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

Prospera advertised public mortgage rate; 1-Year Open.

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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