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Today's rates
Please Note: Rates are only valid where subject property is located.

British Columbia Mortgage Rates

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.

Fixed Mortgages - Closed

Term

Everyday Rate

Limited Rate

1 Year

Everyday Rate: 3.04%

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

Limited Rate: 2.34%

  • High Ratio Only
  • 20% lump sum payments allowed.
  • 20% increase to regular payments.
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Hold your rate

2 Year

Everyday Rate: 2.49%

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

Limited Rate: --

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Hold your rate

3 Year

Everyday Rate: 2.89%

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

Limited Rate: 2.39%

  • High Ratio Purchase or Switch Only 
  • 20% / 20%+ prepayment options. 
  • No Rentals or pre-approvals
  • Must close in 40 days
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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. 
  • Must close in 90 days

Limited Rate: 2.74%

  • High Ratio Only
  • 15% lump sum payments allowed.
  • 15% increase to regular payments. 
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5 Year

Everyday Rate: 2.99%

  • 25 year amortization and refinances available
  • 20% lump sum payments allowed
  • 20% increase to regular payments
  • 30yr amortization @ 3.04%

Limited Rate: 2.59%

  • High Ratio Purchase and Transfer Only
  • Restricted Pre-Payment Options
  • Must close in 40 days
  • Other Conditions May Apply
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10 Year

Everyday Rate: 3.69%

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

Limited Rate: --

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Hold your rate

Variable Mortgages - Closed

Term

Everyday Rate

Limited Rate

5 Year

Everyday Rate: 2.50%

  • 30 year amortization and refinances available
  • Prime - 0.45%
  • 15% lump sum payments allowed.
  • 15%+ increase to regular payments. 

Limited Rate: 1.90%

  • Prime -1.05%
  • High Ratio Purchase and Transfer Only
  • Restricted Pre-Payment Options
  • Must close in 40 days
  • Other Conditions May Apply
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Hold your rate