Mortgage Rates

Rates effective as of May 30, 2025 12:00 AM ET
Strive Prime Rate: 4.95%

As of Mon, Jul 14, 2025

5 Year

LTVStandard FixedStandard ARM
Insured
Purchase, Transfer
Up to 95%4.29P-0.65
Insurable
Purchase, Transfer
Up to 65%4.34P-0.65
65.01-70%4.44P-0.50
70.01-75%4.44P-0.45
75.01-80%4.44P-0.40
Uninsurable
Purchase, Refinance, Transfer
Up to 80%4.44P-0.30

Other Terms

LTV1 Year2 Year3 Year4 Year
Insured
Purchase, Transfer
Up to 95%4.994.694.244.34
Insurable
Purchase, Transfer
Up to 65%5.294.694.294.39
65.01-70%6.594.894.444.64
70.01-75%6.594.894.594.64
75.01-80%6.594.894.594.64

Please note that all rates are subject to change without notice.
Premiums may apply in certain circumstances. Rates exclude conversions.

LTV Standard Fixed Standard ARM
Insured Purchase / Transfer Up to 95% 2.09 PP-110
Insurable Purchase / Transfer Up to 65% 2.09 P-110
65.01 โ€“ 70% 2.14 P-105
70.01 โ€“ 75% 2.29 P-95
75.01 โ€“ 80% 2.34 P-80
Commission 115 115

Notes:

  • Ontario only
  • Unlimited Buy downs, ratio is 5bps of rate for 20bps of commission
  • Float downs available upon request
  • Add 10bps for Pre-approvals
LTV 1 Year 2 Year 3 Year 4 Year
Insured Purchase / Transfer Up to 95% 1.84 1.89 1.89 1.99
Insurable Purchase / Transfer Up to 65% 2.39 2.39 2.39 2.39
65.01โ€“ 70% 2.39 2.39 2.39 2.39
70.01 โ€“ 75% 2.39 2.39 2.39 2.39
75.01 โ€“ 80% 2.39 2.39 2.39 2.39
Commission 70 70 85 85
Adjustable Rate Mortgages
5 Year
Insured Prime โ€“ 1.00% for the entire term
Insurable up to 65% LTV Prime โ€“ 1.00% for the entire term
Insurable > 65% – 70% LTV Prime โ€“ 1.00% for the entire term
Insurable > 70% – 75% LTV Prime โ€“ 1.00% for the entire term
Insurable > 75% – 80% LTV Prime โ€“ 1.00% for the entire term
Conventional Prime โ€“ 1.00% for the entire term
Open Term Mortgage
6 Month Fixed Term 7.30%