CURRENT RATES

5 Year Mortgage Rates
Term TypeRatePromo & Info
5 YearFixed (standard)2.49%
5 YearFixed (promo)2.29%-*call for restrictions
-High Ratio Only
-Meet property guidelines
5 YearFixed (promo)2.49% & -Condo Doc Review, Reimbursement $500 *call
5 YearVariable (promo)2.10%
* Subject to change without notice *OAC *Some Underwriting Restrictions Apply
Our Mortgage Rates
TermTypeRate
2 YearFixed2.19%
3 YearFixed2.29%
4 YearFixed2.39%**High Ratio Only
5 YearFixed2.29%**restricted, call for details
6 YearFixed2.99%
7 YearFixed2.99%
10 YearFixed3.54%

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    RATE SHOPPING MADE EASY

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    RATE WATCH

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    SHOWER YOURSELF WITH SAVINGS.

    5 years into the future!

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    THINKING ABOUT A PURCHASE?

    Eliminate Interest Rate Risk with a rate hold today!

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MORTGAGE PRE-APPROVAL PROCESS

There are a number of reasons why it is important to talk to your bank or mortgage broker for a pre-approval prior to going out and looking for a new home, and a few factors you should be aware of before going to do so.

Today, there are literally thousands of financial instruments and mortgage products available to a buyer when considering the purchase of a new home. Each bank, trust company, and private lender has many different options available to their customers. In addition, there are different guidelines and requirements to obtaining a mortgage from one institution to another.

Going from bank to bank on your own looking for the best interest rate or best products is not a good idea. Each time they pull your credit bureau, your credit rating is affected, and In fact it may appear to the banks that the other institutions have turned you down. For this reason if you are not a preferred customer at your bank, and you want to shop around it is best to consult a mortgage associate because  one credit check can be used for all lenders, and mortgage brokers are able to help plan, place, and fund your mortgage with the lender and product of your choice.

Rate Hold

One of the biggest benefits of getting pre-approved is the fact that you are able to secure a rate whereby you are guaranteed that rate for up to 120 days into the future. This will eliminate any interest rate risk while you are shopping for your home.  That’s right, you will get todays great rate 120 days into the future, even if rates have increased substantially. Each lender can vary on the length of time they will guarantee their rate, but don’t be mistaken, securing a rate for any period of time is in your best interest.