Reference Only
Rates shown here are for general reference. Your actual rate depends on your file. Call Kyle for a real number.
Rates change daily and depend on your credit score, income structure, down payment, amortization, and property type. The rates below are illustrative. Call 250-889-1686 or book a call for rates that apply to your actual situation.
Rate Types
Variable Rate
Call for current
Rates change daily. Call for current
Fluctuates with prime. Often lower upfront, usually cheaper to break. Best when you expect rates to fall or need flexibility.
1-Year Fixed
Call for current
Rates change daily. Call for current
Short commitment, maximum flexibility. Worth considering if you expect rates to drop or your situation may change soon.
3-Year Fixed
Call for current
Rates change daily. Call for current
A balance of stability and flexibility. Popular for clients who want predictability without locking in for five years.
5-Year Fixed
Call for current
Rates change daily. Call for current
The most common term in Canada. Rates are locked for five years. Penalties to break early can be significant. Know this upfront.
What Moves the Number
01
A stronger credit profile qualifies you for better rates. Most prime lenders want to see 600+, but the best rates go to those above 680.
02
Less than 20% down requires mortgage insurance, which affects your options. More down gives lenders more confidence and often better pricing.
03
Longer amortizations lower your monthly payment but increase total interest paid. Shorter amortizations cost more monthly but less overall.
04
Owner-occupied homes, rentals, and vacation properties all carry different risk profiles in the eyes of lenders, and different rates.
Get Started
Rates on this page are for reference. Your rate depends on your file. Call or book a time and I'll walk you through exactly what you qualify for.
