Broker Rates
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Mortgage rates and approval based on risk profile.
Historically, the rates in our broker channel have been structured differently from our branch rates. The difference in pricing depends on factors such as the term and market conditions, which can lead to fluctuations over time. In some cases, the rates may align, while in others, the broker channel rates might be slightly higher
Risk profiles are based on the following:
- Beacon Score. Our minimum beacon score is 600.
- Significant credit events such as bankruptcies, foreclosure, judgements and collections
- Property type: Residential, rental or recreational
- LTV and TDS ratio
- For rental properties add 10bps to the below rates.
- Rate commitment period is available for up to 120 days from the date of the application, unless otherwise indicated.
- Max buy down for any term is 10bps. Cost to buy down rates varies, on average it’s approximately 22bps for every 5bps bought down for a 5 year fixed term.
Interest rates are subject to change without notice.
|
Prime Rate
|
Rate |
Date of change |
|---|---|---|
| CCS Prime | 4.45% | 30-Oct-25 |
|
Insured Mortgage Rates
|
Rate effective 09-Feb-26 |
|---|---|
| 5-Year Variable High Ratio Rate | 3.690% 7 |
| 5-Year Fixed High Ratio Rate | 3.890% 5 |
| Bank of Canada 5 Year Fixed Qualifying Rate | 5.250% |
|
Insurable Mortgage Rates
|
Rate effective 02-Mar-26 |
|---|---|
| 5-Year Variable Insurable Rate | 3.890% 7 |
| 5-Year Fixed Insurable Rate | 4.090% 3 |
| Bank of Canada 5 Year Fixed Qualifying Rate | 5.250% |
|
Conventional Fixed Rate Mortgages
|
Rate effective 09-Feb-26 |
|
|---|---|---|
| Mortgage Terms | Up to 25 Year Amortization | More than 25 Year Amortization |
| 1-Year Fixed Rate - Open | 6.540% 2,8 | 6.640% 4 |
| 1-Year Fixed Rate - Closed | 5.040% 2,8 | 5.140% 2 |
| 2-Year Fixed Rate - Closed | 4.490% 2,8 | 4.590% 2 |
| 3-Year Fixed Rate - Closed | 4.090% 2,8 | 4.190% 2 |
| 4-Year Fixed Rate - Closed | 4.090% 2,8 | 4.190% 2 |
| 5-Year Fixed Rate - Closed | 4.240% 2,8 | 4.340% 2 |
| 6-Year Fixed Rate - Closed | 5.040% 2,8 | 5.140% 2 |
| 7-Year Fixed Rate - Closed | 5.040% 2,8 | 5.140% 2 |
| 8-Year Fixed Rate - Closed | 5.040% 2,8 | 5.140% 2 |
| 9-Year Fixed Rate - Closed | 5.090% 2,8 | 5.190% 2 |
| 10-Year Fixed Rate - Closed | 5.090% 2,8 | 5.190% 2 |
|
Conventional Variable Rate Mortgages
|
Rate effective 02-Mar-26 |
|
|---|---|---|
| Mortgage Terms | Up to 25 Year Amortization | More than 25 Year Amortization |
| 1-Year Variable Rate - Open | 5.350% 4 | N/A 4 |
| 5-Year Variable Rate - Closed | 3.940% 4 | 4.040% 4 |
|
Home Equity Line of Credit (HELOC)
|
Rate effective 30-Oct-25 |
|---|---|
| HELOC | 4.950% 4 |
- For new high-ratio insured/insurable, closed, residential (owner-occupied) first mortgage loans made to members with a Direct Payroll Deposit to a Coast Capital account (or a recurring pre-authorized bill payment if Direct Payroll Deposit is not possible) and a Pre-Authorized Credit into a Coast Capital investment product (registered or unregistered) only. Additional mortgage insurance criteria may apply. Interest rate and approval based on risk profile. This is a variable rate product which will fluctuate with the Coast Capital Savings prime rate. Rates subject to change at any time without notice. Additional fees may apply. Insurance fees and other applicable fees, if any, will increase your APR.
- Annual Percentage Rate (APR), compounded semi-annually. If fees or charges apply, the APR could increase.
- High ratio mortgages, non-residential mortgages and non-owner occupied properties are not eligible. Annual Percentage Rate (APR), compounded semi-annually. If fees or charges apply, the APR could increase.
- Initial interest rate and the APR on a 1-year variable rate, open mortgage, compounded monthly. If fees or charges apply, the APR could increase. This is a variable rate product which will fluctuate with the Coast Capital Savings prime rate.
- For new high-ratio closed residential first mortgages only. Interest rate and approval based on risk profile. Additional mortgage insurance criteria may apply. Additional fees may apply, and Annual Percentage Rate (APR) could increase. Rates subject to change without notice. Initial interest rate and APR compounded monthly.
- For rental properties add 10 bps to the above rates.
- Initial interest rate and the APR on a 5-year variable, closed mortgage, compounded monthly. This is a variable rate product which will fluctuate with the Coast Capital Savings prime rate. If fees or charges apply, the APR could increase. For new high-ratio closed residential first mortgages only. Interest rate and approval based on risk profile. Additional mortgage insurance criteria may apply. Rates subject to change without notice.
- Rate commitment period is available for up to 120 days from the date of the application, unless otherwise indicated.