Jul, 2017
Steve Pipkey
Should You Lock In Your Variable Rate Mortgage?
In July 2017, there’s been a lot of noise in the mortgage rate market – “RATES ARE…
Read More
Our Rates
Our Lenders
Our Team
Feb, 2017
Steve Pipkey
Subject-Free Offers Are A Necessary Evil
Subject-free offers mean that there are no conditions whatsoever when offering to purchase real est…
Read More
Feb, 2017
Jeff Mark
Who Actually Gets The Best Mortgage Rate?
In the fall of 2016, there was a massive structural change in the mortgage world. Specifically, CMHC…
Read More
Jan, 2017
Jeff Mark
Spin $5K Contest Winner!
Congratulations to Devon Miller of Victoria, BC! Devon (center) and his lovely wife Chloe were able …
Read More
Lifestyle Contest
What would you do with $5k?
Get a mortgage or refer someone who does by 01/31/16, and you’ll both be entered for a chance to win!
View Details
2.69% 5 YR FIXED RATE
- Timing: 90 days
- Restrictions: yes
- Property Type: Houses & Condos
- Deal Type: Purchases, refinances & renewals
- Occupancy: Owner Occupied Only
- Portable: yes
- Blendable: yes
- Down Payment / Equity: Insured deals only (less than 20% downpayment/equity)
- Pre-Payments: Lump Sum (20%) Payment Increase (20%)
- Rate Hold: Live deals only (no pre-approvals/no rate holds)
- Discharge Penalty: Standard Fixed Penalty (greater of 3 months interest or IRD (interest rate differential)
- Details: Registered as a standard charge | bonafide sales clause in effect
2.89% 5 YR FIXED RATE
- Timing: 90 days
- Restrictions: yes
- Property Type: Houses & Condos
- Deal Type: Purchases Only
- Occupancy: Owner Occupied Only
- Portable: yes
- Blendable: yes
- Down Payment / Equity: Insured deals only (less than 20% downpayment/equity)
- Pre-Payments: Lump Sum (20%) Payment Increase (20%)
- Rate Hold: Live deals only (no pre-approvals/no rate holds)
- Discharge Penalty: Standard Fixed Penalty (greater of 3 months interest or IRD (interest rate differential)
- Details: Registered as a standard charge | bonafide sales clause in effect
2.99% 5 YR FIXED RATE
- Timing: 120 days
- Restrictions: no
- Property Type: Houses & Condos
- Deal Type: Purchases Only
- Occupancy: Owner Occupied Only
- Portable: yes
- Blendable: yes
- Down Payment / Equity: Insured deals only (less than 20% downpayment/equity)
- Pre-Payments: Lump Sum (15%) Payment Increase (100%)
- Rate Hold: Live deals only (no pre-approvals/no rate holds)
- Discharge Penalty: Standard Fixed Penalty (greater of 3 months interest or IRD (interest rate differential)
- Details: Registered as a standard charge
3.04% 5 YR FIXED RATE
- Timing: 120 days
- Restrictions: no
- Property Type: Houses & Condos
- Deal Type: Purchases Only
- Occupancy: Owner Occupied Only
- Portable: yes
- Blendable: yes
- Major Bank: Yes
- Down Payment / Equity: Insured & Conventional deals
- Pre-Payments: Lump Sum (15%) Payment Increase (100%)
- Rate Hold: Yes
- Discharge Penalty: Standard Fixed Penalty (greater of 3 months interest or IRD (interest rate differential)
- Details: Registered as a collateral charge | max amortization 25 years, add 10 bps for 30 yr amortization
3.09% 5 YR FIXED RATE
- Timing: 120 days
- Restrictions: no
- Property Type: Houses & Condos
- Deal Type: Purchases Only
- Occupancy: Owner Occupied Only
- Portable: yes
- Blendable: yes
- Major Bank: Yes
- Down Payment / Equity: Insured & Conventional deals
- Pre-Payments: Lump Sum (15%) Payment Increase (15%)
- Rate Hold: Yes
- Discharge Penalty: Standard Fixed Penalty (greater of 3 months interest or IRD (interest rate differential)
- Details: Registered as a standard charge or collateral charge (if you would like a re-advanceable credit line)
3.24% 5 YR FIXED RATE
- Timing: 120 days
- Restrictions: no
- Property Type: Houses & Condos
- Deal Type: Purchases, refinances & renewals
- Occupancy: Rentals Only
- Portable: yes
- Blendable: yes
- Major Bank: Yes
- Down Payment / Equity: Conventional deals only (more than 20% downpayment/equity)
- Pre-Payments: Lump Sum (15%) Payment Increase (15%)
- Rate Hold: Yes
- Discharge Penalty: Standard Fixed Penalty (greater of 3 months interest or IRD (interest rate differential)
- Details: Registered as a standard charge or collateral charge (if you would like a re-advanceable credit line)
3.04% 5 YR FIXED RATE
- Timing: 120 days
- Restrictions: no
- Property Type: Houses & Condos
- Deal Type: Refinancing Only
- Occupancy: Owner Occupied Only
- Portable: yes
- Blendable: yes
- Major Bank: Yes
- Down Payment / Equity: Insured & Conventional deals
- Pre-Payments: Lump Sum (15%) Payment Increase (100%)
- Rate Hold: Yes
- Discharge Penalty: Standard Fixed Penalty (greater of 3 months interest or IRD (interest rate differential)
- Details: Collateral Charge | max 25 year amortization | add 10 bps for 30 year amortization
2.00% 5 YR VARIABLE RATE
- Timing: 90 days
- Restrictions: yes
- Property Type: Houses & Condos
- Deal Type: Purchases Only
- Occupancy: Owner Occupied Only
- Portable: no
- Blendable: no
- Down Payment / Equity: Insured deals only (less than 20% downpayment/equity)
- Pre-Payments: Lump Sum (20%) Payment Increase (20%)
- Rate Hold: Live deals only (no pre-approvals/no rate holds)
- Discharge Penalty: Standard Variable Penalty (3 months interest)
- Details: Can't refinance to another lender during the term | Bonafide sale clause in effect |
2.20% 5 YR VARIABLE RATE
- Timing: 90 days
- Restrictions: yes
- Property Type: Houses & Condos
- Deal Type: Purchases Only
- Occupancy: Owner Occupied Only
- Portable: no
- Blendable: no
- Down Payment / Equity: Insured deals only (less than 20% downpayment/equity)
- Pre-Payments: Lump Sum (20%) Payment Increase (20%)
- Rate Hold: Live deals only (no pre-approvals/no rate holds)
- Discharge Penalty: Standard Variable Penalty (3 months interest)
- Details: Can't refinance to another lender during the term | Bonafide sale clause in effect |
2.20% 5 YR VARIABLE RATE
- Timing: 120 days
- Restrictions: no
- Property Type: Houses & Condos
- Deal Type: Purchases Only
- Occupancy: Owner Occupied Only
- Portable: yes
- Blendable: no
- Down Payment / Equity: Insured deals only (less than 20% downpayment/equity)
- Pre-Payments: Lump Sum (15%) Payment Increase (100%)
- Rate Hold: Live deals only (no pre-approvals/no rate holds)
- Discharge Penalty: Standard Variable Penalty (3 months interest)
- Details: Registered as a standard charge | Must mature by 09/2021
2.45% 5 YR VARIABLE RATE
- Timing: 120 days
- Restrictions: no
- Property Type: Houses & Condos
- Deal Type: Purchases Only
- Occupancy: Owner Occupied Only
- Portable: yes
- Blendable: yes
- Major Bank: Yes
- Down Payment / Equity: Insured deals only (less than 20% downpayment/equity)
- Pre-Payments: Lump Sum (15%) Payment Increase (15%)
- Rate Hold: Live deals only (no pre-approvals/no rate holds)
- Discharge Penalty: Standard Variable Penalty (3 months interest)
- Details: Standard charge
2.50% 5 YR VARIABLE RATE
- Timing: 120 days
- Restrictions: no
- Property Type: Houses & Condos
- Deal Type: Purchases Only
- Occupancy: Owner Occupied Only
- Portable: yes
- Blendable: yes
- Major Bank: Yes
- Down Payment / Equity: Insured & Conventional deals
- Pre-Payments: Lump Sum (15%) Payment Increase (15%)
- Rate Hold: Yes
- Discharge Penalty: Standard Variable Penalty (3 months interest)
- Details: Registered as a standard charge. Re-advanceable credit line (HELOC) available registered as collateral charge.
2.40% 5 YR VARIABLE RATE
- Timing: 120 days
- Restrictions: no
- Property Type: Houses & Condos
- Deal Type: Purchases, refinances & renewals
- Occupancy: Owner Occupied Only
- Portable: no
- Blendable: no
- Major Bank: Yes
- Down Payment / Equity: Insured & Conventional deals
- Pre-Payments: Lump Sum (15%) Payment Increase (100%)
- Rate Hold: Yes
- Discharge Penalty: Standard Variable Penalty (3 months interest)
- Details: Registered as a collateral charge | max amortization 25 yrs otherwise add 10 bps | add 25 bps for rental
2.75% 5 YR VARIABLE RATE
- Timing: 120 days
- Restrictions: no
- Property Type: Houses & Condos
- Deal Type: Purchases, refinances & renewals
- Occupancy: Rentals Only
- Portable: yes
- Blendable: yes
- Major Bank: Yes
- Down Payment / Equity: Conventional deals only (more than 20% downpayment/equity)
- Pre-Payments: Lump Sum (15%) Payment Increase (15%)
- Rate Hold: Yes
- Discharge Penalty: Standard Variable Penalty (3 months interest)
3.74% 10 YR FIXED RATE
- Timing: 120 days
- Restrictions: no
- Property Type: Houses & Condos
- Deal Type: Purchases, refinances & renewals
- Occupancy: Owner Occupied Only
- Portable: yes
- Blendable: yes
- Major Bank: Yes
- Down Payment / Equity: Insured & Conventional deals
- Pre-Payments: Lump Sum (15%) Payment Increase (15%)
- Rate Hold: Yes
- Discharge Penalty: Standard Fixed Penalty (greater of 3 months interest or IRD (interest rate differential)
- Details: Major Bank | 25 year amortization | add 10 bps for 30 year amortization
2.99% 1 YR FIXED RATE
- Timing: 120 days
- Restrictions: no
- Property Type: Houses & Condos
- Deal Type: Purchases Only
- Occupancy: Owner Occupied Only
- Portable: yes
- Blendable: yes
- Major Bank: Yes
- Down Payment / Equity: Insured deals only (less than 20% downpayment/equity)
- Pre-Payments: Lump Sum (15%) Payment Increase (100%)
- Rate Hold: Live deals only (no pre-approvals/no rate holds)
- Discharge Penalty: Standard Fixed Penalty (greater of 3 months interest or IRD (interest rate differential)
- Details: Registered as a collateral charge
2.54% 2 YR FIXED RATE
- Timing: 90 days
- Restrictions: no
- Property Type: Houses & Condos
- Deal Type: Purchases Only
- Occupancy: Owner Occupied Only
- Portable: yes
- Blendable: yes
- Major Bank: Yes
- Down Payment / Equity: Insured & Conventional deals
- Pre-Payments: Lump Sum (15%) Payment Increase (15%)
- Rate Hold: Live deals only (no pre-approvals/no rate holds)
- Discharge Penalty: Standard Fixed Penalty (greater of 3 months interest or IRD (interest rate differential)
2.59% 2 YR FIXED RATE
- Timing: 120 days
- Restrictions: no
- Property Type: Houses & Condos
- Deal Type: Refinancing Only
- Occupancy: Owner Occupied Only
- Portable: yes
- Blendable: yes
- Major Bank: Yes
- Down Payment / Equity: Insured & Conventional deals
- Pre-Payments: Lump Sum (15%) Payment Increase (15%)
- Rate Hold: Live deals only (no pre-approvals/no rate holds)
- Discharge Penalty: Standard Fixed Penalty (greater of 3 months interest or IRD (interest rate differential)
- Details: Registered as standard charge
2.84% 3 YR FIXED RATE
- Timing: 120 days
- Restrictions: no
- Property Type: Houses & Condos
- Deal Type: Purchases Only
- Occupancy: Owner Occupied & Rentals
- Portable: yes
- Blendable: yes
- Major Bank: Yes
- Down Payment / Equity: Insured & Conventional deals
- Pre-Payments: Lump Sum (15%) Payment Increase (15%)
- Rate Hold: Live deals only (no pre-approvals/no rate holds)
- Discharge Penalty: Standard Fixed Penalty (greater of 3 months interest or IRD (interest rate differential)
- Details: Registered as a standard charge
2.89% 3 YR FIXED RATE
- Timing: 120 days
- Restrictions: no
- Property Type: Houses & Condos
- Deal Type: Purchases, refinances & renewals
- Occupancy: Owner Occupied Only
- Portable: yes
- Blendable: yes
- Major Bank: Yes
- Down Payment / Equity: Conventional deals only (more than 20% downpayment/equity)
- Pre-Payments: Lump Sum (15%) Payment Increase (15%)
- Rate Hold: Live deals only (no pre-approvals/no rate holds)
- Discharge Penalty: Standard Fixed Penalty (greater of 3 months interest or IRD (interest rate differential)
- Details: Registered as standard charge
2.94% 4 YR FIXED RATE
- Timing: 120 days
- Restrictions: no
- Property Type: Houses & Condos
- Deal Type: Purchases, refinances & renewals
- Occupancy: Owner Occupied & Rentals
- Portable: yes
- Blendable: yes
- Major Bank: Yes
- Down Payment / Equity: Insured & Conventional deals
- Pre-Payments: Lump Sum (15%) Payment Increase (100%)
- Rate Hold: Yes
- Discharge Penalty: Standard Fixed Penalty (greater of 3 months interest or IRD (interest rate differential)
- Details: Registered as a collateral charge |max amortization 25 yrs otherwise add 10 bps to rate | Add 25 bps for rental
Our simple goal is to provide great rates and advice to allow for a positive mortgage experience that suits your lifestyle.
FSCO #12551