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Current Rates to Open Week May 16, 2022

Prime Rate - 3.20% **** Changed from 2.70% on April 13, 2022

PROMOTIONS

PROMO 1 --> 3 Year ARM/VRM - 2.10%% High Ratio Purchase, Switch Only, Owner...

Current Rates to Open Week April 25, 2022

Prime Rate - 3.20% **** Changed from 270% on April 13, 2022

PROMOTIONS

PROMO 1 --> 3 Year ARM/VRM - 2.05%% High Ratio Purchase, Switch Only, Owner...

Current Rates to Open Week April 4, 2022

Prime Rate - 2.70%

PROMOTIONS

PROMO 1 --> 3 Year ARM/VRM - 1.40%% High Ratio Purchase, Switch Only, Owner Occupied, 90 Days to Close (some...

Current Rates to Open Week FEBRUARY 28, 2022

Prime Rate - 2.45%

PROMOTIONS

PROMO 1 --> 3 Year ARM/VRM - 0.99% High Ratio Purchase, Switch Only, Owner Occupied, 90 Days to Close (some...

Current Rates to Open Week FEBRUARY 7, 2022

Prime Rate - 2.45%

PROMOTIONS

PROMO 1 --> 3 Year ARM/VRM - 0.99% High Ratio Purchase, Switch Only, Owner Occupied, 90 Days to Close (some...

Current Rates to Open Week JANUARY 31, 2022

Prime Rate - 2.45%

PROMOTIONS

PROMO 1 --> 3 Year ARM/VRM - 0.99% High Ratio Purchase, Switch Only, Owner Occupied, 90 Days to Close (some...

Fixed vs Variable is always a great conversation...

The decision is typically a personal preference! What works for the Jones may not work for you. In a nutshell there are pros and cons with both...

Current Rates to Open Week JANUARY 24, 2022

Prime Rate - 2.45%

PROMOTIONS

PROMO 1 --> 3 Year ARM/VRM - 0.99% High Ratio Purchase, Switch Only, Owner Occupied, 90 Days to Close (some...

Current Rates to Open Week DEC 6, 2021

Prime Rate - 2.45%

PROMOTIONS

PROMO 1 --> 3 Year ARM/VRM - 0.99% High Ratio Purchase, Switch Only, Owner Occupied, 90 Days to Close (some...

Current Rates to Open Week Nov 15, 2021

Prime Rate - 2.45%

PROMOTIONS

PROMO 1 --> 3 Year ARM/VRM - 0.99% High Ratio Purchase, Switch Only, Owner Occupied, 90 Days to Close (some...

Current Rates to Open Week Nov 8, 2021

Prime Rate - 2.45%

PROMOTIONS

PROMO 1 --> 3 Year ARM/VRM - 0.99% High Ratio Purchase, Switch Only, Owner Occupied, 90 Days to Close (some...

*** UPDATE Oct 28 --- More fixed rate increases coming ASAP! Rates have slightly increased in past 3-weeks... and we will see more rate increases this week or next week as bond market has being...

Current Rates to Open Week Oct 25, 2021

Prime Rate - 2.45%

PROMOTIONS

PROMO 1 --> 3 Year ARM/VRM - 0.99% High Ratio Purchase, Switch Only, Owner Occupied, 90 Days to Close (some...

*** More fixed rate increases coming ASAP! Rates have slightly increased in past 2-weeks... and we will see more rate increases this week or next week as bond market has being increasing since last...

Current Rates to Open Week Oct 4, 2021

Prime Rate - 2.45%

PROMOTIONS

Promo 1 --> 3 Year ARM/VRM - 0.99% High Ratio Purchase, Switch Only, Owner Occupied, 90 Days to Close (some...

Current Rates to Open Week Sept 27, 2021

Prime Rate - 2.45%

PROMOTIONS

Promo 1 --> 3 Year Fixed - 1.59% High Ratio Purchase, Switch Only OR under <65% LTV, Owner Occupied, 60-120 Days to...

Current Rates to Open Week Oct 4, 2021

Prime Rate - 2.45%

PROMOTIONS

Promo 1 --> 5 Year Fixed - 1.74% High Ratio Purchase, Switch Only OR under <65% LTV, Owner Occupied, 60 Days to Close...

Current Rates to Open Week Aug 2, 2021

Prime Rate - 2.45%

PROMOTIONS

Promo 1 --> 3 Year Fixed - 1.59% High Ratio Purchase, Switch Only OR under <65% LTV, Owner Occupied, 60-120 Days to...

Current Rates to Open Week July 7, 2021

Prime Rate - 2.45%

PROMOTIONS

Promo 1 --> 3 Year Fixed - 1.59% High Ratio Purchase, Switch Only OR under <65% LTV, Owner Occupied, 60-120 Days to...

The Dominion Lending Centres® launched a fantastic First Responder Mortgage Program™ at the beginning of the month!

First Responders have been there from the start of the pandemic.
As a thank...

No, lenders do not pay for break/ penalty fees. The way some lenders can absorb the fees is to increase interest rate to ensure they are paid back for covering the fees. Some lenders offer cashback...

Bump... bond market is up over past couple of days which will put pressure on this promotion. Call / PM for details or if it applies to you.

Current Rates to Open Week June 21, 2021

Prime Rate - 2.45%

PROMOTIONS

Promo 1 --> 3 Year Fixed - 1.59% High Ratio Purchase, Switch Only OR under <65% LTV, Owner Occupied, 60-120 Days to...

Current Rates to Open Week May 31, 2021

Prime Rate - 2.45%

PROMOTIONS

Promo 1 --> 3 Year Fixed - 1.59% High Ratio Purchase, Switch Only OR under <65% LTV, Owner Occupied, 60-120 Days to...

Bump - 1.74% is still available on High Ratio mortgages for Purchase and Switches (less than 20% down payment).

This afternoon, at approximately 1pm, the Office of the Superintendent of Financial Institutions announced the result of its consultation regarding the uninsured mortgage stress test found in B20. As...

Current Rates to Open Week May 17, 2021

Prime Rate - 2.45%

PROMOTIONS

Promo 1 --> 3 Year Fixed - 1.59% High Ratio Purchase, Switch Only OR under <65% LTV, Owner Occupied, 60-120 Days to...

Bump - 1.74% still available.

Current Rates to Open Week May 3, 2021

Prime Rate - 2.45%

PROMOTIONS

Promo 1 --> 3 Year Fixed - 1.59% High Ratio Purchase, Switch Only OR under <65% LTV, Owner Occupied, 60-120 Days to...

Thank you for the kind words... always a pleasure!

The 60 days starts from submission so assuming this rate sticks around, you may still get it depending on your purchase timing... plans? Feel free to call and we can chat... or PM and I will call...

Hi everyone -

I am surprised this rate is still available considering where ALL other lenders are for the past 3-4 weeks. This 1.74% 5-year fixed rate is not going to last.

If you are...

Current Rates to Open Week April 26, 2021

Prime Rate - 2.45%

PROMOTIONS

Promo 1 --> 3 Year Fixed - 1.59% High Ratio Purchase, Switch Only OR under <65% LTV, Owner Occupied, 60-120 Days to...

If you have a few minutes... please call/ text me at 403-479-0066 and I can assist. Cheers Tim

Current Rates to Open Week April 12, 2021

Prime Rate - 2.45%

PROMOTIONS

Promo 1 --> 3 Year Fixed - 1.59% High Ratio Purchase, Switch Only OR under <65% LTV, Owner Occupied, 60-120 Days to...

The Office of the Superintendent of Financial Institutions (OSFI) unveiled its proposed changes on Thursday, which would require borrowers applying for uninsured mortgages—typically those with more...

Correct... Zero risk to the lender since it is default insured by one of the insurers.

With conventional, the government imposed capital requirements for lenders which has increased their...

Great question... if you purchase with less than 20% down payment and have the mortgage insured with CMHC, Sagen (prev Genworth) or Canada Guaranty... you still are eligible for High Ratio rates when...

High Ratio - Purchase with less than 20% down payment.

Conventional - Purchase with more than 20% down payment.

Happy Easter Monday everyone...

FYI - more pressure for fixed rates to rise.

5 Year Bond Yield