Today's Prime Rate: 2.75%
3 Year VRM: Prime - .70%
5 Year VRM: Prime - .65%
Open Variable: Prime + .80%
Chartered Bench Rate: 5.39%
TermOur Rate
6 Month Closed4.65%
1 Year Closed2.54%
2 Year Closed3.30%
3 Year Closed3.50%
4 Year Closed3.89%
5 Year Closed3.64%
6 Year Closed4.85%
7 Year Closed5.15%
10 Year Closed5.49%





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"We did not know what to expect when we were getting our first place and even though through all the obstacles, with Dan's help and encouragement we made it through and met the deadlines. Also he found us the best rate out there comparing to other places that we had talked to previosly. Thanks Dan for all the help and your patience.".

Bojana and Mario B.
Edmonton, AB
Mortgage Types

We can offer a variety of mortgage types for you. Please also view our mortgage products page for more specific mortgage products.


Closed Mortgage

Requires you to maintain a specific payment schedule for terms 1 to 25 years. Their is usually a penalty if you repay the mortgage in full before the end of your term.


Convertible Mortgage

Closed mortgage that allows you to renew your mortgage at any time without penalty for a longer term. The most common is a 6 month convertible. For the first 6 months, your rate will be the same and you have the choice to convert the mortgage to a longer term with no penalty.


Variable Rate Mortgage

An interest rate that can change periodically. As rate move up and down the rate on your mortgage can also go up and down during the term. As a result the monthly payment can also rise and fall with the change in interest rates. The most common type of variable rate mortgage (VRM) is prime rate plus/minus X%.


Open Mortgage

Allows you to pay the principle in part or in full at any time without penalty. They usually have a higher rate of interest than a closed term mortgage, because of the flexibility.