COUNTRYSIDE FINANCIAL LENDER’S MORTGAGE RATES AS OF

01 November 2025

Bank of Canada Benchmark Rate // Qualifying Rate is currently 5.25% -> [http://www.bankofcanada.ca/rates/daily-digest/]

Bank of Canada Prime Lending Rate with mortgage lenders is currently 4.45% as at 28 Oct 2025.

Current CMHC Mortgage Loan Insurance Premiums -> https://www.cmhc-schl.gc.ca/en/co/moloin/moloin_005.cfm

FIXED RATE TRADITIONAL MORTGAGES – INSURED (HIGH-RATIO 5-20% D/P OR LOW-RATIO INSURED/INSURABLE)

Term Bank Posted Rate Best Rate
1 year [6 month] 6.09% [6.09%] 5.59% [5.99%]
2 years 5.39% 4.89%
3 years 6.09% 4.54% *HIGH-RATIO SPECIAL 3.89%* 
4 years 6.09% 4.64%
5 years 6.79% 4.14-4.29% *HIGH-RATIO SPECIAL 4.09%*  
7 years 6.40% 5.19%   
10 years 6.80% 5.29%

FIXED RATE TRADITIONAL MORTGAGES – UNINSURED (CONVENTIONAL >20% D/P; REFINANCE, RENTAL PROPERTY, >25 YEAR AMORTIZATION).

Term Bank Posted Rate Best Rate
1 year [6 month] 6.09% [6.09%] 5.64% [5.99%]
2 years 5.39% 4.94%
3 years 6.05% 4.59%
4 years 5.99% 4.69%
5 years 6.09% 4.54-4.64% *LOW LTV FROM 4.19%*
7 years 6.40% 5.34%
10 years 6.80% 5.99%
 OAC. All rates & rules subject to change without notice.  Special discounted rates may be subject to certain terms & conditions. These rates are provided for informational purposes as rates available in the marketplace; please get in touch with us to see your eligibility for any promo’s or additional discounts. 

VARIABLE RATE TRADITIONAL MORTGAGES

VARIABLE RATE TRADITIONAL MORTGAGES – INSURED (HIGH-RATIO 5-20% D/P OR LOW-RATIO INSURED/INSURABLE)

Term Bank Posted Rate Our Rate
Prime Rate 4.45% | TD is 4.60% 4.45% | TD is 4.60%
3 Year N/A N/A
5 Year Prime % Prime -.60%
Open Prime + .80% Prime + .80%

VARIABLE RATE TRADITIONAL MORTGAGES – UNINSURED (CONVENTIONAL >20% D/P; REFINANCE, RENTAL PROPERTY, >25 YEAR AMORTIZATION)

Term Bank Posted Rate Our Rate
Prime Rate 4.45% | TD is 4.60% 4.45% | TD is 4.60%
3 Year N/A N/A
5 Year Prime % Prime – .25%
Open Prime + .80% Prime + .80%
Home Equity Line of Credit Prime + 1.0% Prime + .50% & Up
2nd Mtg – Home Equity Line of Credit Prime + 1.0% Prime + 1.0% & Up
 OAC. All rates & rules subject to change without notice.  Special discounted rates may be subject to certain terms & conditions. These rates are provided for informational purposes as rates available in the marketplace; please get in touch with us to see your eligibility for any promo’s or additional discounts. 

REVERSE MORTGAGES

Realtor Info Sheet from Candace

CHIP | Equitable
6 month Traditional Banks 6.49-7.79%
1 year Cannot 6.79-8.14%
3 years Help You 6.69-8.14%
5 years With A Reverse Mortgage! 6.49-7.74%

Variable No Bank Rate Prime + 2.65-3.49%

PRIVATE LENDING & PERSONAL LOANS

PRIVATE MORTGAGE – RATE & FEE DETERMINED CASE BY CASE – Please contact us for more details.