ALTs ALTs ALTs

Welcome to the Rate Game™

The LOWEST rate and the BEST rate are rarely the same. The Rate Game educates you on what rates are attainable to you and why.  As you play, rates that don’t apply to you disappear.

It’s simple and at the end, you’ll be left with YOUR best rates..

As far as you know, do you have good credit?

Your creditworthiness is extremely important when applying for a mortgage.
If you have ‘good credit’ great, carry on! If you might not, click ‘not sure’.

Hmm, better contact us.

Having poor credit doesn’t mean you can’t get a mortgage, it just means your down payment and rate will likely be higher. Please contact us so we can help to explain things to you directly.

Are you interested in a fixed or variable rate?

Fixed means your interest rate remains the same throughout the term of the mortgage regardless of fluctuations in the market, while variable implies that your rate and payment will change throughout your term with the market.

Here you go!

Your best rates are below! Click on each rate to see the detailed features.

Cool. Do you own more than four properties?

Basically, are you trying to become a Real Estate Mogul?

Contact us, these deals can be tricky!

Unfortunately, many lenders won’t give you a mortgage if you own more than four properties. Contact us and we’ll discuss your options!

Are you ok with a restricted rate?

Restricted rates can be lower because you’re giving up standard features for a “deal”. Not all restrictions are bad, but they’re not for everyone. Restrictions may include: inability to leave a lender without a bona fide sale, increased discharge penalties, restricted prepayment amounts, etc.

No restrictions to hold you back!

Here are your best rates so far, let’s keep going! The more questions you answer, the more accurate your rates will be.

What sort of deal are you interested in?

Different rates apply to purchasing a property versus a mortgage renewal or refinancing.

Gotcha. Is your down payment less than 20%?

Believe it or not, if you have less than 20%, you’ll often get a slightly better rate because it will be insured – this shifts the risk burden away from the banks.

Are we talking about a home or condo?

Often, homes will fetch better rates than condos. It depends on the prevailing market conditions, so let’s find out what you can get!

Ok. Tell us about the property.

The best rates always tend to be offered on owner occupied properties rather than rental properties. What will your property be?

Last question — what’s your timing?

Different rates are good for different periods of time, so let’s see what your dates will get you. (An appealing rate may expire before you’re ready but new rates become available over time too!)

More then 120 days?

Darn! That’s a little too far out to get a rate. Typically, the longest period a rate is good for is 120 days.

AWESOME!

Your best rates are below. Click on each one to quickly see the features and you can decide what makes the most sense for YOU!

2.45% - 5 YEAR VARIABLE

  • Transaction: Purchases Only
  • Down Payment: less
  • Pre-Payments: Lump 20% Increase 20%
  • Portable: yes
  • Blendable: no
  • Penalties: standard variable
  • Rate Hold: Live Deals Only
  • Major Lender: Yes
  • Comments: Full feature, Standard charge mortgage, No restrictions

2.85% - 5 YEAR VARIABLE

  • Transaction: Purchases, Renewals & Refinances
  • Down Payment: both
  • Pre-Payments: Lump 15% Increase 15%
  • Portable: yes
  • Blendable: yes
  • Penalties: standard variable
  • Rate Hold: Live Deals Only
  • Major Lender: Yes
  • Comments: Can be registered as either a standard charge, or combined with a HELOC product.

3.00% - 5 YEAR VARIABLE

  • Transaction: Purchases, Renewals & Refinances
  • Down Payment: more
  • Pre-Payments: Lump 15% Increase 15%
  • Portable: yes
  • Blendable: no
  • Penalties: standard variable
  • Pre-Approvals: Yes
  • Rate Hold: Rate Hold Available
  • Major Lender: Yes
  • Comments: Collateral charge mortgage

2.45% - 5 YEAR VARIABLE

  • Transaction: Purchases Only
  • Down Payment: more
  • Pre-Payments: Lump 15% Increase 15%
  • Portable: yes
  • Blendable: no
  • Penalties: standard variable
  • Rate Hold: Live Deals Only
  • Major Lender: Yes
  • Comments: Standard Charge, Full feature mortgage, no restrictions, Must have a minimum of 30% equity in home, Home value under 1M

2.99% - 1 YEAR FIXED

  • Transaction: Purchases, Renewals & Refinances
  • Down Payment: less
  • Pre-Payments: Lump 15% Increase 100%
  • Portable: yes
  • Blendable: yes
  • Penalties: standard fixed
  • Pre-Approvals: Yes
  • Rate Hold: Rate Hold Available
  • Major Lender: Yes
  • Comments: Owner occupied properties only, no rentals

3.09% - 2 YEAR FIXED

  • Transaction: Purchases, Renewals & Refinances
  • Down Payment: both
  • Pre-Payments: Lump 15% Increase 15%
  • Portable: yes
  • Blendable: yes
  • Penalties: standard fixed
  • Pre-Approvals: Yes
  • Rate Hold: Rate Hold Available
  • Major Lender: Yes
  • Comments: Owner occupied properties only, no rentals

3.29% - 3 YEAR FIXED

  • Transaction: Purchases, Renewals & Refinances
  • Down Payment: both
  • Pre-Payments: Lump 15% Increase 15%
  • Portable: yes
  • Blendable: yes
  • Penalties: standard fixed
  • Pre-Approvals: Yes
  • Rate Hold: Rate Hold Available
  • Major Lender: Yes
  • Comments: Owner occupied properties only, no rentals

3.39% - 4 YEAR FIXED

  • Transaction: Purchases, Renewals & Refinances
  • Down Payment: both
  • Pre-Payments: Lump 15% Increase 100%
  • Portable: yes
  • Blendable: yes
  • Penalties: standard fixed
  • Pre-Approvals: Yes
  • Rate Hold: Rate Hold Available
  • Major Lender: Yes
  • Comments: Owner occupied properties only, no rentals

3.79% - 10 YEAR FIXED

  • Transaction: Purchases Only
  • Down Payment: both
  • Pre-Payments: Lump 20% Increase 20%
  • Portable: yes
  • Blendable: yes
  • Penalties: standard fixed
  • Rate Hold: Live Deals Only
  • Comments: Insurable purchases/renewals only, 25 yr amortization, owner occupied, Property value under 1M

3.24% - 5 YEAR FIXED

  • Transaction: Purchases Only
  • Down Payment: less
  • Pre-Payments: Lump 15% Increase 15%
  • Portable: yes
  • Blendable: yes
  • Penalties: standard fixed
  • Rate Hold: Live Deals Only
  • Major Lender: Yes
  • Comments: Registered as a standard charge. Hi Ratio Purchases only (less than 20% down payment)

3.39% - 5 YEAR FIXED

  • Transaction: Purchases Only
  • Down Payment: both
  • Pre-Payments: Lump 15% Increase 100%
  • Portable: yes
  • Blendable: yes
  • Penalties: standard fixed
  • Rate Hold: Live Deals Only
  • Major Lender: Yes
  • Comments: Registered as a standard charge.

3.49% - 5 YEAR FIXED

  • Transaction: Purchases, Renewals & Refinances
  • Down Payment: both
  • Pre-Payments: Lump 15% Increase 100%
  • Portable: yes
  • Blendable: yes
  • Penalties: standard fixed
  • Pre-Approvals: Yes
  • Rate Hold: Rate Hold Available
  • Major Lender: Yes
  • Comments: Registered as a collateral charge. Max amortization 25-years, add 10 bps for 30-year amortization.

3.59% - 5 YEAR FIXED

  • Transaction: Purchases Only
  • Down Payment: both
  • Pre-Payments: Lump 15% Increase 15%
  • Portable: yes
  • Blendable: yes
  • Penalties: standard fixed
  • Rate Hold: Rate Hold Available
  • Major Lender: Yes
  • Comments: Registered as a standard charge or collateral charge, if you would like a re-advanceable credit line.

3.59% - 5 YEAR FIXED

  • Transaction: Purchases, Renewals & Refinances
  • Down Payment: more
  • Pre-Payments: Lump 15% Increase 15%
  • Portable: yes
  • Blendable: yes
  • Penalties: standard fixed
  • Rate Hold: Rate Hold Available
  • Major Lender: Yes

3.64% - 5 YEAR FIXED

  • Transaction: Purchases, Renewals & Refinances
  • Down Payment: more
  • Pre-Payments: Lump 15% Increase 100%
  • Portable: yes
  • Blendable: yes
  • Penalties: standard fixed
  • Pre-Approvals: Yes
  • Rate Hold: Rate Hold Available
  • Major Lender: Yes
  • Comments: Collateral Charge. Max 25-year amortization. Add 10 bps for 30-year amortization.

3.24% - 5 YEAR FIXED

  • Transaction: Purchases Only
  • Down Payment: less
  • Pre-Payments: Lump 15% Increase 15%
  • Portable: yes
  • Blendable: yes
  • Penalties: standard fixed
  • Rate Hold: Live Deals Only
  • Major Lender: Yes
  • Comments: Collateral Charge. Max 25-year amortization. Add 10 bps for 30-year amortization.

3.24% - 5 YEAR FIXED

  • Transaction: Purchases Only
  • Down Payment: more
  • Pre-Payments: Lump 15% Increase 15%
  • Portable: yes
  • Blendable: yes
  • Penalties: standard fixed
  • Rate Hold: Live Deals Only
  • Major Lender: Yes
  • Comments: Purchases and Transfers only, no refinances. Minimum 30% equity in property, property value under 1M.
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