Mortgage rates and approval based on risk profile. Interest rates are subject to change without notice.

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
  • Mortgage priority. Second Mortgages behind another financial institution are available with a 1% rate premium.
Fixed Rate Mortgages Rate effective 12-Jul-19
Mortgage Terms Up to 25 Year Amortization
1-Year Fixed Rate - Closed 3.640% 2
2-Year Fixed Rate - Closed 3.900% 2
3-Year Fixed Rate - Closed 4.190% 2
4-Year Fixed Rate - Closed 4.550% 2
5-Year Fixed Rate - Closed 5.190% 2
6-Year Fixed Rate - Closed 5.450% 2
7-Year Fixed Rate - Closed 5.650% 2
8-Year Fixed Rate - Closed 5.950% 2
9-Year Fixed Rate - Closed 6.250% 2
10-Year Fixed Rate - Closed 6.350% 2
Variable Rate Mortgages Rate effective 01-Nov-18
1-Year Variable Rate - Open 5.650% 6
5-Year Variable Rate - Closed (Up to 25 Year Amortization) 3.950% 3
Contact us.
For more information, email our Broker Centre.
Toll-free fax: 1.866.399.8080