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Lender rate guide

RFA
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.

8 of 8 reference offers

5-year variableInsuredInsuredUp to 25-year amortization3.95%APRDetails
Product
Insured
Insurance category
Insured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

RFA Prime standard 5 Year ARM; owner-occupied BC purchase, fully documented income. Subject to approved lending areas, property requirements, all-applicant credit and lender approval. Minimum credit 650 for each applicant. No pre-approvals.

Compare the reference scenarios (1)

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 variableUninsured – 30 yrUninsuredUp to 30-year amortization4.35%APRDetails
Product
Uninsured – 30 yr
Insurance category
Uninsured
Maximum amortization
30 years
APR basis
Estimated; confirm fees

Eligibility & conditions

RFA Prime standard 5 Year ARM; owner-occupied BC purchase, fully documented income. Subject to approved lending areas, property requirements, all-applicant credit and lender approval. Primary credit above 680; other applicants above 640. Urban residential properties only; no prior bankruptcy, consumer proposal or credit counselling; no rentals or second homes. Property must be below $1 million.

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 fixedInsuredInsuredUp to 25-year amortization4.69%APRDetails
Product
Insured
Insurance category
Insured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

RFA Prime standard 3 Year Fixed; owner-occupied BC purchase, fully documented income. Subject to approved lending areas, property requirements, all-applicant credit and lender approval. Minimum credit 650 for each applicant. No pre-approvals.

Compare the reference scenarios (1)

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 amortization4.74%APRDetails
Product
Insured
Insurance category
Insured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

RFA Prime standard 5 Year Fixed; owner-occupied BC purchase, fully documented income. Subject to approved lending areas, property requirements, all-applicant credit and lender approval. Minimum credit 650 for each applicant. No pre-approvals.

Compare the reference scenarios (1)

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 fixedInsuredInsuredUp to 25-year amortization4.89%APRDetails
Product
Insured
Insurance category
Insured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

RFA Prime standard 4 Year Fixed; owner-occupied BC purchase, fully documented income. Subject to approved lending areas, property requirements, all-applicant credit and lender approval. Minimum credit 650 for each applicant. No pre-approvals.

Compare the reference scenarios (1)

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 fixedInsuredInsuredUp to 25-year amortization5.04%APRDetails
Product
Insured
Insurance category
Insured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

RFA Prime standard 2 Year Fixed; owner-occupied BC purchase, fully documented income. Subject to approved lending areas, property requirements, all-applicant credit and lender approval. Minimum credit 650 for each applicant. No pre-approvals.

Compare the reference scenarios (1)

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 amortization5.29%APRDetails
Product
Uninsured – 30 yr
Insurance category
Uninsured
Maximum amortization
30 years
APR basis
Estimated; confirm fees

Eligibility & conditions

RFA Prime standard 5 Year Fixed; owner-occupied BC purchase, fully documented income. Subject to approved lending areas, property requirements, all-applicant credit and lender approval. Primary credit above 680; other applicants above 640. Urban residential properties only; no prior bankruptcy, consumer proposal or credit counselling; no rentals or second homes. Property must be below $1 million.

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

1-year fixedInsuredInsuredUp to 25-year amortization5.69%APRDetails
Product
Insured
Insurance category
Insured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

RFA Prime standard 1 Year Fixed; owner-occupied BC purchase, fully documented income. Subject to approved lending areas, property requirements, all-applicant credit and lender approval. Minimum credit 650 for each applicant. No pre-approvals.

Compare the reference scenarios (1)

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

RFA prime product resources

RFA publishes prime product resources separately from alternative resources. Its prime page contains rate sheets and product information, so the quoted program and source date matter.

Check the named prime product, insurance category and any restricted features. Confirm prepayments and early-payout conditions with the actual commitment, rather than borrowing terms from an alternative product.

Lender product information and conditions ↗

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

Before you choose.

Are RFA prime and RFA alternative the same lender program?

RFA presents them through separate resource streams. Ask which legal lender and program is on the commitment and compare the corresponding rate and conditions.

How do I check which RFA rates fit my mortgage?

Use the shopper with RFA 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.

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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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