RFA Alternative
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
Alternative resources and total cost
RFA’s mortgage resources distinguish prime and alternative lending. Use the alternative program’s own documentation for an application with different income or credit circumstances.
Confirm the legal lender, accepted income evidence, fees, amortization and renewal conditions. Ask what would need to change before moving to a different product at term end.
Lender product information and conditions ↗Product guide updated . Rate evidence is dated separately in each offer. FCAC: choosing a mortgage.
Before you choose.
Can I use the rate on RFA’s prime page for an alternative application?
No. A prime reference is not an alternative quote. Request the rate sheet and commitment for the program that is actually being considered.
How do I check which RFA Alternative rates fit my mortgage?
Use the shopper with RFA Alternative 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.