Rates last updated: 2019-10-29

		6 mnth	1 YR	2 YR	3 YR	4 YR	5 YR	7 YR	10 YR
Bank Posted Rates - BNS		4.75%	3.64%	3.74%	4.39%	4.59%	5.19%	5.69%	6.19%
Lowest wholesale rates available through Capital Direct		4.75%	3.33%	3.07%	2.98%	3.02%	3.05%	3.50%	3.75%
Bank Prime Rate 0.0395
All rates quoted above are semi-annual compounding Corresponding annual effective equivalent rates
Bank Posted		0.04806	0.03673	0.03775	0.04438	0.04643	0.05257	0.05771	0.06286
Lowest CDLC		0.04806	0.03358	0.03094	0.03002	0.03043	0.03073	0.03531	0.03785
Bank Prime 0.03989

• Amortizations may range from 5-25 years.
• Amortizations up to 25 years are available.
• High Ratio Mortgage insurance from CMHC or Genworth may be required by the funding instituition.
• Mortgagors may be required to pay legal, title and valuation services and insurance as determined by the financial institution.
• Any additional amounts for said required services will affect the effective equivalent rates upward.
• Stated rates are subject to conventional approval requirements, property types and lending areas.
• Rates fluctuate and may differ temporarily from institutions Prime until adjusted monthly to reflect the latest change in institutions Prime.
• Rates are subject to change without notice at any time.
• Rates are fixed unless otherwise stated as variable. Mortgages are locked in for the term stated.
• Mortgages may be subject to early repayment penalties or interest rate differentials.
• Applicable to new deals only. Rates can be changed or withdrawn at any time.
• Rate commitment period is available for up to 90 or 120 days from the date of application.