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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, you’ll be left with YOUR lowest 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!

2.84% 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

3.04% 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

2.89% 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

3.19% 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

3.19% 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)

3.49% 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)

3.34% 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

2.15% 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 |

2.35% 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 |

2.45% 5 YR VARIABLE RATE

  • Timing: 120 days
  • Restrictions: no
  • Property Type: Houses & Condos
  • Deal Type: Purchases Only
  • Occupancy: Owner Occupied Only
  • Portable: yes
  • Blendable: 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

2.75% 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

2.85% 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.

2.80% 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

2.85% 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)

3.89% 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

2.74% 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

2.99% 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

3.09% 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

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