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1 ~ 5 Year Fixed Closed Rates From Most Lenders In Ontario (including Banks, Trust & Insurance Companies)
| Year(s) | Lowest Market Rates | Our Rates | Notes | Real Mortgage or Collateral Mortgage | Apply For New Purchase | Apply For Refinance | Apply For Switch/Transfer |
|---|---|---|---|---|---|---|---|
| 1 Year | 3.29% | 3.19% | HD-STD,PP-15/15,NR, Ontario Only | Real Mortgage | Apply | Apply | Apply |
| 2 Years | 3.39% | 3.29% | HD-STD,PP-15/15,NR, Ontario Only | Real Mortgage | Apply | Apply | Apply |
| 3 Years | 3.49% | 3.39% | HD-90, PP-15/15, NR, LTV>80%, Loan>200K | Real Mortgage | Apply | Apply | Apply |
| 3 Years | 3.54% | 3.44% | HD-90, PP-15/15, NR, LTV<70%, Loan>200K | Real Mortgage | Apply | Apply | Apply |
| 3 Years | 3.74% | 3.64% | HD-90, PP-15/15, NR, LTV>70% & <80%, Loan>200K | Real Mortgage | Apply | Apply | Apply |
| 4 Years | 3.59% | 3.54% | HD-120, PP-15/15, NR, LTV>80%, Loan>200K | Real Mortgage | Apply | Apply | Apply |
| 5 Years | 3.64% | 3.54% | HD-90, PP-15/15, NR, LTV>80%, Loan>200K | Real Mortgage | Apply | Apply | Apply |
| 5 Years | 3.64% | 3.54% | HD-90, PP-15/15, NR, LTV<70%, Loan>200K | Real Mortgage | Apply | Apply | Apply |
| 5 Years | 3.89% | 3.79% | HD-90, PP-15/15, NR, LTV<80% & >70%, Loan>200K | Real Mortgage | Apply | Apply | Apply |
| Apply | Apply | Apply |
3 & 5 Year Variable Closed Rates From Most Lenders In Ontario (including Banks, Trust & Insurance Companies)
| Years | Lowest Market Rates | Our Rates | Notes | Real Mortgage or Collateral Mortgage | Apply For New Purchase | Apply For Refinance | Apply For Switch/Tansfer |
|---|---|---|---|---|---|---|---|
| P = Prime Rate | |||||||
| 3 Years | P-0.85 | P-0.95 | HD-120, PP-15/15, NR, LTV>80%, Loan>200K | Real Mortgage | Apply | Apply | Apply |
| 3 Years | P-0.80 | P-0.90 | HD-120, PP-15/15, NR, LTV<70%, Loan>200K | Real Mortgage | Apply | Apply | Apply |
| 3 Years | P-0.60 | P-0.70 | HD-120, PP-15/15, NR, LTV>70% & <80%, Loan>300K | Real Mortgage | Apply | Apply | Apply |
| 5 Years | P-0.90 | P-1.00 | HD-120,PP-15/15, NR, LTV>80%, Loan>200K | Real Mortgage | Apply | Apply | Apply |
| 5 Years | P-0.90 | P-1.00 | HD-120, PP-15/15, NR, LTV<70%, Loan>200K | Real Mortgage | Apply | Apply | Apply |
| 5 Years | P-0.65 | P-0.75 | HD-120, PP-15/15, NR, LTV<80% & >70%, Loan>300K | Real Mortgage | Apply | Apply | Apply |
| 5 Years | P-0.70 | P-0.80 | HD-90, PP-15/15, Loan>200K, Ontario Only | Real Mortgage | Apply | Apply | Apply |
| Abbreviation | Abbreviation | Abbreviation | Abbreviation |
|---|---|---|---|
| P = Portable | NR = No Rental | N = New Purchase | SE = Self Employed |
| A = Assumable | D = Double Payment | R = Refinance | NW = No Switch |
| B = Breakable | HD = Holding Period | S = Switch/Transfer | DP = Down Payment |
| T = Transferable | PP = Prepay Option | Standard = 120N/90/R/60S 120 days for new purchase 90 days for refinance 60 days for switch | HR = High Ratio Loan (DP<20%) |
| ALL = P,A,B,T | LTV = Loan / Property Value | CL = Conventional Loan |