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Please Note: Rates are only valid for subject properties located in British Columbia
Today's rates

Fixed Mortgages - Closed

Term

Everyday Rate

Limited Rate

1 Year

Everyday Rate: 2.99%

  • 30 year amortization and refinances available
  • 15% lump sum payments allowed.
  • 15% increase to regular payments.

Limited Rate: --

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2 Year

Everyday Rate: 2.89%

  • 30 year amortization and refinances available
  • 15% lump sum payments allowed.
  • 15% increase to regular payments.

Limited Rate: 2.79%

  • High Ratio Only
  • 20% lump sum payments allowed.
  • 20% increase to regular payments.
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3 Year

Everyday Rate: 2.89%

  • 30 year amortization and refinances available
  • 15% / 15%+ prepayment options.

Limited Rate: 2.79%

  • 25 year amortization
  • 20% / 20%+ prepayment options.
  • High Ratio Only
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4 Year

Everyday Rate: 2.89%

  • 30 year amortization and refinances available
  • 15% lump sum payments allowed.
  • 15% increase to regular payments. 

Limited Rate: --

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5 Year

Everyday Rate: 2.84%

  • 25 year amortization and refinances available
  • 15% lump sum payments allowed
  • 15% increase to regular payments
  • 30 year amortization @ 2.89%

Limited Rate: 2.49%

  • High Ratio Only
  • 20%/20% pre-payment options
  • Must close within 40 days
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10 Year

Everyday Rate: 3.64%

  • Refinancing available. 
  • 25 year amortization.
  • 15%+ lump sum payments allowed.
  • 15%+ increase to regular payments.

Limited Rate: 2.99%

  • Loan to Value restrictions apply. 
  • 20% lump sum payments allowed.
  • 20% increase to regular payments.
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Variable Mortgages - Closed

Term

Everyday Rate

Limited Rate

5 Year

Everyday Rate: 3.10%

  • 25 year amortization and refinances available
  • 15% lump sum payments allowed.
  • 15% increase to regular payments.
  • 30 year amortization at 3.20%

Limited Rate: 2.65%

  • Prime -1.30%
  • High Ratio Only
  • Restricted Product
  • Must close in 90 days
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Variable Mortgages - Open

Term

Everyday Rate

Limited Rate

HELOC

Everyday Rate: 4.45%

  • Prime +0.50%

Limited Rate: --

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Challenging times? We have lower rates.

The British Columbia housing market is currently experiencing a marginal rebound, after muted activity in the past few years. But as the BC economy continues to face challenges, any future interest rate increases will impact real estate sales and investment.

Our True North Mortgage brokers know the real estate landscape, and can offer you discounted BC mortgage rates, even from your own bank. Plus, through our exceptional, unified service, you’ll get the most flexible mortgage solutions to help save you thousands. Mortgage interest rates can change quickly—contact us to hold your low current BC mortgage rates for up to four months (depending on the lender). Whether you’re a first-time buyer, or looking at an income property or vacation home, we can help. Visit us, call or apply online today.

Hold your lower rate—now.

Mortgage interest rates can change quickly—contact us to hold your low current BC mortgage rates for up to four months (depending on the lender). Whether you’re a first-time buyer, or looking at an income property or vacation home, we can help. Visit us, call or apply online today.