{
 "schema": "mitey-lender-rates/v1",
 "collectedOn": "2026-11-02",
 "collectedFrom": "2026-11-01",
 "method": "Each rate was read off the lender's own website on the collection date (raw page download or rendered page; never a comparison site) and stored as displayed with the page URL and a verbatim quote containing the number. The build rejects any row whose quote doesn't contain its rate or whose URL isn't on the lender's own domain. Nothing is estimated or interpolated.",
 "refresh": "Re-read every lender's rates page weekly (Mondays) and the day after each Bank of Canada decision; method in mitey-site-kit scripts/lender-rates-README.md.",
 "lenders": [
  {
   "slug": "atb",
   "name": "ATB Financial",
   "type": "bank",
   "provinces": [
    "AB"
   ],
   "ratesUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
   "prime": {
    "rate": 4.7,
    "asOf": null,
    "sourceUrl": "https://www.atb.com/resources/rates/"
   },
   "alberta": {
    "text": "ATB Financial was founded in 1938 to help Albertans through tough economic times.",
    "sourceUrl": "https://www.atb.com/company/about-atb/"
   },
   "notes": "ATB publishes featured, client and posted rates; its page shows no 'as of' date. Some variable APRs on the page are lower than the rates; recorded as shown."
  },
  {
   "slug": "servus",
   "name": "Servus Credit Union",
   "type": "credit-union",
   "provinces": [
    "AB"
   ],
   "ratesUrl": "https://servus.ca/rates",
   "prime": {
    "rate": 4.7,
    "asOf": "2026-10-29",
    "sourceUrl": "https://servus.ca/rates"
   },
   "alberta": {
    "text": "Join more than 600,000 Albertans and discover a better way to bank.",
    "sourceUrl": "https://servus.ca/"
   },
   "notes": "Connect First Credit Union has merged into Servus: connectfirstcu.com redirects to servus.ca. Servus special rates are for owner-occupied properties with amortization of 25 years or less (its footnote)."
  },
  {
   "slug": "lakeland",
   "name": "Lakeland Credit Union",
   "type": "credit-union",
   "provinces": [
    "AB"
   ],
   "ratesUrl": "https://www.lakelandcreditunion.com/en/personal/mortgages#Rates",
   "prime": {
    "rate": 4.7,
    "asOf": null,
    "sourceUrl": "https://www.lakelandcreditunion.com/en/personal/mortgages#Rates"
   },
   "alberta": {
    "text": "Branches in Bonnyville (780-826-3377) and Cold Lake (780-594-4011), Alberta.",
    "sourceUrl": "https://www.lakelandcreditunion.com/en/personal/mortgages#Rates"
   }
  },
  {
   "slug": "vision",
   "name": "Vision Credit Union",
   "type": "credit-union",
   "provinces": [
    "AB"
   ],
   "ratesUrl": "https://www.visioncu.ca/en/rates",
   "alberta": {
    "text": "Vision Credit Union Ltd. is a community credit union with over 38,000 members across Alberta.",
    "sourceUrl": "https://www.visioncu.ca/en/rates"
   },
   "notes": "Vision publishes posted fixed rates only (effective September 29, 2026). Its 'Potential Profit Share Rate' is an illustration, not a contract rate, and isn't recorded."
  },
  {
   "slug": "christian",
   "name": "Christian Credit Union",
   "type": "credit-union",
   "provinces": [
    "AB"
   ],
   "ratesUrl": "https://www.christiancu.ca/en/rates",
   "prime": {
    "rate": 4.7,
    "asOf": "2026-10-29",
    "sourceUrl": "https://www.christiancu.ca/en/rates"
   },
   "alberta": {
    "text": "Serving all of Alberta!",
    "sourceUrl": "https://www.christiancu.ca/en/rates"
   }
  },
  {
   "slug": "bow-valley",
   "name": "Bow Valley Credit Union",
   "type": "credit-union",
   "provinces": [
    "AB"
   ],
   "ratesUrl": "https://www.bowvalleycu.com/en/rates",
   "prime": {
    "rate": 4.45,
    "asOf": null,
    "sourceUrl": "https://www.bowvalleycu.com/en/rates"
   },
   "alberta": {
    "text": "Bank with our belief in a strong Alberta.",
    "sourceUrl": "https://www.bowvalleycu.com/en/rates"
   },
   "notes": "Its rates page stated a prime rate of 4.45% on November 1, 2026, while other lenders showed 4.70% after the October 28 Bank of Canada increase; possibly not yet updated. Recorded as displayed."
  },
  {
   "slug": "meridian",
   "name": "Meridian Credit Union",
   "type": "credit-union",
   "provinces": [],
   "ratesUrl": "https://www.meridiancu.ca/personal/rates-and-fees/mortgage-and-borrowing-rates",
   "prime": {
    "rate": 4.7,
    "asOf": "2026-10-29",
    "sourceUrl": "https://www.meridiancu.ca/personal/rates-and-fees/mortgage-and-borrowing-rates"
   },
   "prepayment": {
    "text": "We call it 20/20 prepayment. Pay off up to 20% more of your mortgage each calendar year through a combination of prepaying more of your original principal balance and increasing your original mortgage payment.",
    "sourceUrl": "https://www.meridiancu.ca/personal/borrowing/mortgages/fixed-rate-mortgage"
   },
   "notes": "The pages we read don't state where Meridian lends, so it isn't shown on province-filtered boards. Its fixed-rate page's legal text still said prime was 4.45% while its rates page said 4.70% as of October 29, 2026."
  },
  {
   "slug": "vancity",
   "name": "Vancity",
   "type": "credit-union",
   "provinces": [],
   "ratesUrl": "https://www.vancity.com/rates/mortgages",
   "prime": {
    "rate": 4.7,
    "asOf": "2026-10-29",
    "sourceUrl": "https://www.vancity.com/rates/mortgages"
   },
   "notes": "Vancity's site says it is a BC Financial Services Authority authorized credit union covered by the Credit Union Deposit Insurance Corporation of British Columbia; the pages we read don't state where it lends, so it isn't shown on province-filtered boards."
  },
  {
   "slug": "first-national",
   "name": "First National Financial",
   "type": "monoline",
   "provinces": "national",
   "ratesUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "prime": {
    "rate": 4.7,
    "asOf": "2026-10-29",
    "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates"
   },
   "penalty": {
    "method": "published",
    "text": "Three months' interest = amount × (current rate ÷ 4); the IRD estimate is (amount × (current rate − the current rate for a similar mortgage) × months remaining) ÷ 12. For terms longer than 5 years, after the 5th year the charge is 3 months' interest.",
    "sourceUrl": "https://www.firstnational.ca/residential/mortgage-calculators/how-to-calculate-prepayment-charges"
   },
   "alberta": {
    "text": "Alberta: Mortgage Brokerage License with the Real Estate Council of Alberta; Restricted Insurance Agent No. 93-3851780 with the Alberta Insurance Council",
    "sourceUrl": "https://www.firstnational.ca/licenses"
   },
   "notes": "First National lends through mortgage brokers and publishes one rate grid by insurance tier and loan-to-value."
  },
  {
   "slug": "nesto",
   "name": "nesto",
   "type": "digital",
   "provinces": [
    "AB",
    "BC",
    "ON",
    "QC"
   ],
   "ratesUrl": "https://www.nesto.ca/mortgage-rates/",
   "prime": {
    "rate": 4.7,
    "asOf": "2026-10-29",
    "sourceUrl": "https://www.nesto.ca/mortgage-rates/"
   },
   "alberta": {
    "text": "nesto Inc. Mortgage Brokerage: Alberta, Ontario #13044.",
    "sourceUrl": "https://www.nesto.ca/mortgage-rates/location/alberta/"
   },
   "notes": "Only nesto's headline insured rates could be read; its full table (including uninsured rates) loads with JavaScript. nesto's 'Big 6 Bank average' figures describe other lenders and aren't recorded."
  },
  {
   "slug": "rbc",
   "name": "RBC Royal Bank",
   "type": "bank",
   "provinces": "national",
   "ratesUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
   "prime": {
    "rate": 4.7,
    "asOf": "2026-11-01",
    "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html"
   },
   "notes": "RBC lists special offers for purchase and switch transactions with separate rates for amortizations over 25 years, high-ratio rates, and posted rates."
  },
  {
   "slug": "td",
   "name": "TD",
   "type": "bank",
   "provinces": "national",
   "ratesUrl": "https://www.td.com/ca/en/personal-banking/products/mortgages/mortgage-rates",
   "prime": {
    "rate": 4.85,
    "asOf": "2026-11-01",
    "sourceUrl": "https://www.td.com/ca/en/personal-banking/products/mortgages/mortgage-rates"
   },
   "prepayment": {
    "text": "Pay up to 15% of the principal amount on a closed mortgage annually, or 100% on an open mortgage, without prepayment charges.",
    "sourceUrl": "https://www.td.com/ca/en/personal-banking/products/mortgages/mortgage-rates"
   },
   "notes": "TD's variable rates are based on the TD Mortgage Prime Rate (4.85% on November 1, 2026), which is separate from TD's prime rate. Pre-approvals come with a 120-day rate hold."
  },
  {
   "slug": "scotiabank",
   "name": "Scotiabank",
   "type": "bank",
   "provinces": "national",
   "ratesUrl": "https://www.scotiabank.com/ca/en/personal/rates-prices/mortgages-rates.html",
   "notes": "Scotiabank's rates page lists posted rates only (effective November 2, 2026); its special-offers page publishes no discounted rate figures."
  },
  {
   "slug": "bmo",
   "name": "BMO",
   "type": "bank",
   "provinces": "national",
   "ratesUrl": "https://www.bmo.com/en-ca/main/personal/mortgages/mortgage-rates/",
   "prime": {
    "rate": 4.7,
    "asOf": "2026-11-02",
    "sourceUrl": "https://www.bmo.com/en-ca/main/personal/mortgages/mortgage-rates/"
   },
   "notes": "BMO's special rates were readable; its posted-rate tables didn't load when we read the page, so no BMO posted rates are recorded."
  },
  {
   "slug": "cibc",
   "name": "CIBC",
   "type": "bank",
   "provinces": "national",
   "ratesUrl": "https://www.cibc.com/en/interest-rates/mortgage-rates.html",
   "prime": {
    "rate": 4.7,
    "asOf": "2026-11-01",
    "sourceUrl": "https://www.cibc.com/en/interest-rates/mortgage-rates.html"
   },
   "notes": "CIBC's page shows special offers (amortizations 25 years or less, new mortgages only) and its prime rate; posted rates weren't on the page we read."
  },
  {
   "slug": "national-bank",
   "name": "National Bank",
   "type": "bank",
   "provinces": "national",
   "ratesUrl": "https://www.nbc.ca/personal/mortgages/rates.html",
   "prime": {
    "rate": 4.7,
    "asOf": "2026-11-02",
    "sourceUrl": "https://www.nbc.ca/personal/mortgages/rates.html"
   },
   "notes": "National Bank publishes promotional and posted rates (\"Rate (%) as at 11-02-2026\"). Two promotional APRs on its page are lower than the rates; recorded as displayed."
  },
  {
   "slug": "tangerine",
   "name": "Tangerine",
   "type": "digital",
   "provinces": "national",
   "ratesUrl": "https://www.tangerine.ca/en/rates/mortgage-rates",
   "prime": {
    "rate": 4.7,
    "asOf": "2026-10-29",
    "sourceUrl": "https://www.tangerine.ca/en/rates/mortgage-rates"
   },
   "notes": "Tangerine (a Scotiabank subsidiary) publishes one rate per term; existing clients may see preferred rates after logging in."
  },
  {
   "slug": "simplii",
   "name": "Simplii Financial",
   "type": "digital",
   "provinces": "national",
   "ratesUrl": "https://www.simplii.com/en/rates/mortgage-rates.html",
   "prime": {
    "rate": 4.7,
    "asOf": "2026-11-02",
    "sourceUrl": "https://www.simplii.com/en/rates/mortgage-rates.html"
   },
   "notes": "Simplii (a CIBC subsidiary) uses CIBC's prime rate; it publishes special and posted rates."
  }
 ],
 "rows": [
  {
   "lender": "ATB Financial",
   "lenderSlug": "atb",
   "lenderType": "bank",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 0.5,
   "insured": "any",
   "kind": "special",
   "rate": 8.85,
   "spread": null,
   "apr": 9.05,
   "open": true,
   "conditions": "'Client Rates' tab, open fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinance: +0.15%/yr premium; rental/secondary home or amortization >25 yrs: +0.50%/yr premium. No as-of date shown on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "Client Rates | Open fixed-rate mortgages | 6 months | 8.85% ... APR ... 6 month 9.05%"
  },
  {
   "lender": "ATB Financial",
   "lenderSlug": "atb",
   "lenderType": "bank",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 0.5,
   "insured": "any",
   "kind": "posted",
   "rate": 10.35,
   "spread": null,
   "apr": null,
   "open": true,
   "conditions": "'Posted Rates' tab, open fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinance: +0.15%/yr premium; rental/secondary home or amortization >25 yrs: +0.50%/yr premium. No as-of date shown on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "Posted Rates | Open fixed-rate mortgages | 6 months | 10.35%"
  },
  {
   "lender": "ATB Financial",
   "lenderSlug": "atb",
   "lenderType": "bank",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 1,
   "insured": "any",
   "kind": "special",
   "rate": 6.09,
   "spread": null,
   "apr": 6.19,
   "open": false,
   "conditions": "'Client Rates' tab, closed fixed; insured status not stated for these rows. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinance: +0.15%/yr premium; rental/secondary home or amortization >25 yrs: +0.50%/yr premium. No as-of date shown on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "Client Rates | Closed fixed-rate mortgages | 1 year | 6.09% ... APR ... 1 year 6.19%"
  },
  {
   "lender": "ATB Financial",
   "lenderSlug": "atb",
   "lenderType": "bank",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 1,
   "insured": "uninsured",
   "kind": "posted",
   "rate": 7.14,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Posted Rates' tab, closed fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinance: +0.15%/yr premium; rental/secondary home or amortization >25 yrs: +0.50%/yr premium. No as-of date shown on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "Posted Rates | Closed fixed-rate mortgages | 1 year conventional | 7.14%"
  },
  {
   "lender": "ATB Financial",
   "lenderSlug": "atb",
   "lenderType": "bank",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 1,
   "insured": "any",
   "kind": "special",
   "rate": 8.85,
   "spread": null,
   "apr": 8.95,
   "open": true,
   "conditions": "'Client Rates' tab, open fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinance: +0.15%/yr premium; rental/secondary home or amortization >25 yrs: +0.50%/yr premium. No as-of date shown on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "Client Rates | Open fixed-rate mortgages | 1 year | 8.85% ... APR ... 1 year 8.95%"
  },
  {
   "lender": "ATB Financial",
   "lenderSlug": "atb",
   "lenderType": "bank",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 1,
   "insured": "any",
   "kind": "posted",
   "rate": 10.35,
   "spread": null,
   "apr": null,
   "open": true,
   "conditions": "'Posted Rates' tab, open fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinance: +0.15%/yr premium; rental/secondary home or amortization >25 yrs: +0.50%/yr premium. No as-of date shown on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "Posted Rates | Open fixed-rate mortgages | 1 year | 10.35%"
  },
  {
   "lender": "ATB Financial",
   "lenderSlug": "atb",
   "lenderType": "bank",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 2,
   "insured": "any",
   "kind": "special",
   "rate": 5.59,
   "spread": null,
   "apr": 5.64,
   "open": false,
   "conditions": "'Client Rates' tab, closed fixed; insured status not stated for these rows. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinance: +0.15%/yr premium; rental/secondary home or amortization >25 yrs: +0.50%/yr premium. No as-of date shown on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "Client Rates | Closed fixed-rate mortgages | 2 years | 5.59% ... APR ... 2 years 5.64%"
  },
  {
   "lender": "ATB Financial",
   "lenderSlug": "atb",
   "lenderType": "bank",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 2,
   "insured": "insured",
   "kind": "posted",
   "rate": 6.54,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Posted Rates' tab, closed fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinance: +0.15%/yr premium; rental/secondary home or amortization >25 yrs: +0.50%/yr premium. No as-of date shown on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "Posted Rates | Closed fixed-rate mortgages | 2 years high ratio | 6.54%"
  },
  {
   "lender": "ATB Financial",
   "lenderSlug": "atb",
   "lenderType": "bank",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 2,
   "insured": "uninsured",
   "kind": "posted",
   "rate": 6.64,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Posted Rates' tab, closed fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinance: +0.15%/yr premium; rental/secondary home or amortization >25 yrs: +0.50%/yr premium. No as-of date shown on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "Posted Rates | Closed fixed-rate mortgages | 2 years conventional | 6.64%"
  },
  {
   "lender": "ATB Financial",
   "lenderSlug": "atb",
   "lenderType": "bank",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 2,
   "insured": "any",
   "kind": "special",
   "rate": 8.85,
   "spread": null,
   "apr": 8.9,
   "open": true,
   "conditions": "'Client Rates' tab, open fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinance: +0.15%/yr premium; rental/secondary home or amortization >25 yrs: +0.50%/yr premium. No as-of date shown on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "Client Rates | Open fixed-rate mortgages | 2 years | 8.85% ... APR ... 2 years 8.90%"
  },
  {
   "lender": "ATB Financial",
   "lenderSlug": "atb",
   "lenderType": "bank",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 2,
   "insured": "any",
   "kind": "posted",
   "rate": 10.35,
   "spread": null,
   "apr": null,
   "open": true,
   "conditions": "'Posted Rates' tab, open fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinance: +0.15%/yr premium; rental/secondary home or amortization >25 yrs: +0.50%/yr premium. No as-of date shown on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "Posted Rates | Open fixed-rate mortgages | 2 years | 10.35%"
  },
  {
   "lender": "ATB Financial",
   "lenderSlug": "atb",
   "lenderType": "bank",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 2.5,
   "insured": "any",
   "kind": "special",
   "rate": 5.34,
   "spread": null,
   "apr": 5.38,
   "open": false,
   "conditions": "'Client Rates' tab, closed fixed; insured status not stated for these rows. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinance: +0.15%/yr premium; rental/secondary home or amortization >25 yrs: +0.50%/yr premium. No as-of date shown on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "Client Rates | Closed fixed-rate mortgages | 30 month | 5.34% ... APR ... 30 months 5.38%"
  },
  {
   "lender": "ATB Financial",
   "lenderSlug": "atb",
   "lenderType": "bank",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 2.5,
   "insured": "insured",
   "kind": "posted",
   "rate": 6.24,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Posted Rates' tab, closed fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinance: +0.15%/yr premium; rental/secondary home or amortization >25 yrs: +0.50%/yr premium. No as-of date shown on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "Posted Rates | Closed fixed-rate mortgages | 30 month high ratio | 6.24%"
  },
  {
   "lender": "ATB Financial",
   "lenderSlug": "atb",
   "lenderType": "bank",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 2.5,
   "insured": "uninsured",
   "kind": "posted",
   "rate": 6.34,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Posted Rates' tab, closed fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinance: +0.15%/yr premium; rental/secondary home or amortization >25 yrs: +0.50%/yr premium. No as-of date shown on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "Posted Rates | Closed fixed-rate mortgages | 30 month conventional | 6.34%"
  },
  {
   "lender": "ATB Financial",
   "lenderSlug": "atb",
   "lenderType": "bank",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 3,
   "insured": "insured",
   "kind": "special",
   "rate": 4.29,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Featured offers, 'Residential Mortgage' column. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinance: +0.15%/yr premium; rental/secondary home or amortization >25 yrs: +0.50%/yr premium. No as-of date shown on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "Our featured offers | 3 Year High Ratio | 4.29% | -"
  },
  {
   "lender": "ATB Financial",
   "lenderSlug": "atb",
   "lenderType": "bank",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 3,
   "insured": "uninsured",
   "kind": "special",
   "rate": 4.59,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Featured offers, 'Residential Mortgage' column. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinance: +0.15%/yr premium; rental/secondary home or amortization >25 yrs: +0.50%/yr premium. No as-of date shown on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "Our featured offers | 3 Year Conventional | 4.59% | -"
  },
  {
   "lender": "ATB Financial",
   "lenderSlug": "atb",
   "lenderType": "bank",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 3,
   "insured": "any",
   "kind": "special",
   "rate": 4.59,
   "spread": null,
   "apr": 4.62,
   "open": false,
   "conditions": "'Client Rates' tab, closed fixed; insured status not stated for these rows. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinance: +0.15%/yr premium; rental/secondary home or amortization >25 yrs: +0.50%/yr premium. No as-of date shown on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "Client Rates | Closed fixed-rate mortgages | 3 years | 4.59% ... APR ... 3 years 4.62%"
  },
  {
   "lender": "ATB Financial",
   "lenderSlug": "atb",
   "lenderType": "bank",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 3,
   "insured": "insured",
   "kind": "posted",
   "rate": 5.74,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Posted Rates' tab, closed fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinance: +0.15%/yr premium; rental/secondary home or amortization >25 yrs: +0.50%/yr premium. No as-of date shown on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "Posted Rates | Closed fixed-rate mortgages | 3 years high ratio | 5.74%"
  },
  {
   "lender": "ATB Financial",
   "lenderSlug": "atb",
   "lenderType": "bank",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 3,
   "insured": "uninsured",
   "kind": "posted",
   "rate": 6.04,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Posted Rates' tab, closed fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinance: +0.15%/yr premium; rental/secondary home or amortization >25 yrs: +0.50%/yr premium. No as-of date shown on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "Posted Rates | Closed fixed-rate mortgages | 3 years conventional | 6.04%"
  },
  {
   "lender": "ATB Financial",
   "lenderSlug": "atb",
   "lenderType": "bank",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 4,
   "insured": "insured",
   "kind": "special",
   "rate": 4.34,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Featured offers, 'Residential Mortgage' column. '**Available through select ATB channels only.' ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinance: +0.15%/yr premium; rental/secondary home or amortization >25 yrs: +0.50%/yr premium. No as-of date shown on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "Our featured offers | 4 Year High Ratio** | 4.34% | -"
  },
  {
   "lender": "ATB Financial",
   "lenderSlug": "atb",
   "lenderType": "bank",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 4,
   "insured": "uninsured",
   "kind": "special",
   "rate": 4.64,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Featured offers, 'Residential Mortgage' column. '**Available through select ATB channels only.' ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinance: +0.15%/yr premium; rental/secondary home or amortization >25 yrs: +0.50%/yr premium. No as-of date shown on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "Our featured offers | 4 Year Conventional** | 4.64% | -"
  },
  {
   "lender": "ATB Financial",
   "lenderSlug": "atb",
   "lenderType": "bank",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 4,
   "insured": "any",
   "kind": "special",
   "rate": 4.64,
   "spread": null,
   "apr": 4.67,
   "open": false,
   "conditions": "'Client Rates' tab, closed fixed; insured status not stated for these rows. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinance: +0.15%/yr premium; rental/secondary home or amortization >25 yrs: +0.50%/yr premium. No as-of date shown on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "Client Rates | Closed fixed-rate mortgages | 4 years | 4.64% ... APR ... 4 years 4.67%"
  },
  {
   "lender": "ATB Financial",
   "lenderSlug": "atb",
   "lenderType": "bank",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 4,
   "insured": "insured",
   "kind": "posted",
   "rate": 5.79,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Posted Rates' tab, closed fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinance: +0.15%/yr premium; rental/secondary home or amortization >25 yrs: +0.50%/yr premium. No as-of date shown on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "Posted Rates | Closed fixed-rate mortgages | 4 years high ratio | 5.79%"
  },
  {
   "lender": "ATB Financial",
   "lenderSlug": "atb",
   "lenderType": "bank",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 4,
   "insured": "uninsured",
   "kind": "posted",
   "rate": 6.04,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Posted Rates' tab, closed fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinance: +0.15%/yr premium; rental/secondary home or amortization >25 yrs: +0.50%/yr premium. No as-of date shown on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "Posted Rates | Closed fixed-rate mortgages | 4 years conventional | 6.04%"
  },
  {
   "lender": "ATB Financial",
   "lenderSlug": "atb",
   "lenderType": "bank",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 5,
   "insured": "insured",
   "kind": "special",
   "rate": 4.34,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Featured offers, 'Rate First Residential Mortgage' column. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinance: +0.15%/yr premium; rental/secondary home or amortization >25 yrs: +0.50%/yr premium. No as-of date shown on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "Our featured offers | 5 Year High Ratio | 4.44% | 4.34%"
  },
  {
   "lender": "ATB Financial",
   "lenderSlug": "atb",
   "lenderType": "bank",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 5,
   "insured": "insured",
   "kind": "special",
   "rate": 4.34,
   "spread": null,
   "apr": 4.36,
   "open": false,
   "conditions": "'Client Rates' tab, Rate First closed fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinance: +0.15%/yr premium; rental/secondary home or amortization >25 yrs: +0.50%/yr premium. No as-of date shown on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "Client Rates | Rate First closed fixed-rate mortgages | 5 years high ratio | 4.34% ... APR ... 5 years high ratio 4.36%"
  },
  {
   "lender": "ATB Financial",
   "lenderSlug": "atb",
   "lenderType": "bank",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 5,
   "insured": "insured",
   "kind": "special",
   "rate": 4.44,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Featured offers, 'Residential Mortgage' column. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinance: +0.15%/yr premium; rental/secondary home or amortization >25 yrs: +0.50%/yr premium. No as-of date shown on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "Our featured offers | 5 Year High Ratio | 4.44% | 4.34%"
  },
  {
   "lender": "ATB Financial",
   "lenderSlug": "atb",
   "lenderType": "bank",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 5,
   "insured": "uninsured",
   "kind": "special",
   "rate": 4.59,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Featured offers, 'Rate First Residential Mortgage' column. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinance: +0.15%/yr premium; rental/secondary home or amortization >25 yrs: +0.50%/yr premium. No as-of date shown on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "Our featured offers | 5 Year Conventional | 4.69% | 4.59%"
  },
  {
   "lender": "ATB Financial",
   "lenderSlug": "atb",
   "lenderType": "bank",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 5,
   "insured": "uninsured",
   "kind": "special",
   "rate": 4.59,
   "spread": null,
   "apr": 4.61,
   "open": false,
   "conditions": "'Client Rates' tab, Rate First closed fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinance: +0.15%/yr premium; rental/secondary home or amortization >25 yrs: +0.50%/yr premium. No as-of date shown on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "Client Rates | Rate First closed fixed-rate mortgages | 5 years conventional | 4.59% ... APR ... 5 years conventional 4.61%"
  },
  {
   "lender": "ATB Financial",
   "lenderSlug": "atb",
   "lenderType": "bank",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 5,
   "insured": "uninsured",
   "kind": "special",
   "rate": 4.69,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Featured offers, 'Residential Mortgage' column. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinance: +0.15%/yr premium; rental/secondary home or amortization >25 yrs: +0.50%/yr premium. No as-of date shown on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "Our featured offers | 5 Year Conventional | 4.69% | 4.59%"
  },
  {
   "lender": "ATB Financial",
   "lenderSlug": "atb",
   "lenderType": "bank",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 5,
   "insured": "any",
   "kind": "special",
   "rate": 4.69,
   "spread": null,
   "apr": 4.71,
   "open": false,
   "conditions": "'Client Rates' tab, closed fixed; insured status not stated for these rows. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinance: +0.15%/yr premium; rental/secondary home or amortization >25 yrs: +0.50%/yr premium. No as-of date shown on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "Client Rates | Closed fixed-rate mortgages | 5 years | 4.69% ... APR ... 5 years 4.71%"
  },
  {
   "lender": "ATB Financial",
   "lenderSlug": "atb",
   "lenderType": "bank",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 5,
   "insured": "insured",
   "kind": "posted",
   "rate": 5.79,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Posted Rates' tab, Rate First closed fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinance: +0.15%/yr premium; rental/secondary home or amortization >25 yrs: +0.50%/yr premium. No as-of date shown on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "Posted Rates | Rate First closed fixed-rate mortgages | 5 years high ratio | 5.79%"
  },
  {
   "lender": "ATB Financial",
   "lenderSlug": "atb",
   "lenderType": "bank",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 5,
   "insured": "insured",
   "kind": "posted",
   "rate": 5.89,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Posted Rates' tab, closed fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinance: +0.15%/yr premium; rental/secondary home or amortization >25 yrs: +0.50%/yr premium. No as-of date shown on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "Posted Rates | Closed fixed-rate mortgages | 5 years high ratio | 5.89%"
  },
  {
   "lender": "ATB Financial",
   "lenderSlug": "atb",
   "lenderType": "bank",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 5,
   "insured": "uninsured",
   "kind": "posted",
   "rate": 6.09,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Posted Rates' tab, closed fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinance: +0.15%/yr premium; rental/secondary home or amortization >25 yrs: +0.50%/yr premium. No as-of date shown on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "Posted Rates | Closed fixed-rate mortgages | 5 years conventional | 6.09%"
  },
  {
   "lender": "ATB Financial",
   "lenderSlug": "atb",
   "lenderType": "bank",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 5,
   "insured": "uninsured",
   "kind": "posted",
   "rate": 6.14,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Posted Rates' tab, Rate First closed fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinance: +0.15%/yr premium; rental/secondary home or amortization >25 yrs: +0.50%/yr premium. No as-of date shown on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "Posted Rates | Rate First closed fixed-rate mortgages | 5 years conventional | 6.14%"
  },
  {
   "lender": "ATB Financial",
   "lenderSlug": "atb",
   "lenderType": "bank",
   "provinces": [
    "AB"
   ],
   "product": "variable",
   "term": 0.5,
   "insured": "any",
   "kind": "special",
   "rate": 6.2,
   "spread": null,
   "apr": 6.15,
   "open": true,
   "conditions": "'Client Rates' tab, open variable. ANOMALY: page APR is below the 6.20% rate; recorded as displayed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinance: +0.15%/yr premium; rental/secondary home or amortization >25 yrs: +0.50%/yr premium. No as-of date shown on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "Client Rates | Open variable-rate mortgages | 6 months | 6.20% ... APR ... 6 month 6.15%"
  },
  {
   "lender": "ATB Financial",
   "lenderSlug": "atb",
   "lenderType": "bank",
   "provinces": [
    "AB"
   ],
   "product": "variable",
   "term": 0.5,
   "insured": "any",
   "kind": "posted",
   "rate": 7.7,
   "spread": null,
   "apr": null,
   "open": true,
   "conditions": "'Posted Rates' tab, open variable. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinance: +0.15%/yr premium; rental/secondary home or amortization >25 yrs: +0.50%/yr premium. No as-of date shown on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "Posted Rates | Open variable-rate mortgages | 6 months | 7.70%"
  },
  {
   "lender": "ATB Financial",
   "lenderSlug": "atb",
   "lenderType": "bank",
   "provinces": [
    "AB"
   ],
   "product": "variable",
   "term": 1,
   "insured": "any",
   "kind": "special",
   "rate": 6.2,
   "spread": null,
   "apr": 6.05,
   "open": true,
   "conditions": "'Client Rates' tab, open variable. ANOMALY: page APR is below the 6.20% rate; recorded as displayed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinance: +0.15%/yr premium; rental/secondary home or amortization >25 yrs: +0.50%/yr premium. No as-of date shown on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "Client Rates | Open variable-rate mortgages | 1 year | 6.20% ... APR ... 1 year 6.05%"
  },
  {
   "lender": "ATB Financial",
   "lenderSlug": "atb",
   "lenderType": "bank",
   "provinces": [
    "AB"
   ],
   "product": "variable",
   "term": 1,
   "insured": "any",
   "kind": "posted",
   "rate": 7.7,
   "spread": null,
   "apr": null,
   "open": true,
   "conditions": "'Posted Rates' tab, open variable. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinance: +0.15%/yr premium; rental/secondary home or amortization >25 yrs: +0.50%/yr premium. No as-of date shown on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "Posted Rates | Open variable-rate mortgages | 1 year | 7.70%"
  },
  {
   "lender": "ATB Financial",
   "lenderSlug": "atb",
   "lenderType": "bank",
   "provinces": [
    "AB"
   ],
   "product": "variable",
   "term": 2,
   "insured": "any",
   "kind": "special",
   "rate": 6.2,
   "spread": null,
   "apr": 6,
   "open": true,
   "conditions": "'Client Rates' tab, open variable. ANOMALY: page APR is below the 6.20% rate; recorded as displayed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinance: +0.15%/yr premium; rental/secondary home or amortization >25 yrs: +0.50%/yr premium. No as-of date shown on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "Client Rates | Open variable-rate mortgages | 2 years | 6.20% ... APR ... 2 years 6.00%"
  },
  {
   "lender": "ATB Financial",
   "lenderSlug": "atb",
   "lenderType": "bank",
   "provinces": [
    "AB"
   ],
   "product": "variable",
   "term": 2,
   "insured": "any",
   "kind": "posted",
   "rate": 7.7,
   "spread": null,
   "apr": null,
   "open": true,
   "conditions": "'Posted Rates' tab, open variable. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinance: +0.15%/yr premium; rental/secondary home or amortization >25 yrs: +0.50%/yr premium. No as-of date shown on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "Posted Rates | Open variable-rate mortgages | 2 years | 7.70%"
  },
  {
   "lender": "ATB Financial",
   "lenderSlug": "atb",
   "lenderType": "bank",
   "provinces": [
    "AB"
   ],
   "product": "variable",
   "term": 5,
   "insured": "insured",
   "kind": "special",
   "rate": 3.9,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Featured offers, 'Residential Mortgage' column. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinance: +0.15%/yr premium; rental/secondary home or amortization >25 yrs: +0.50%/yr premium. No as-of date shown on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "Our featured offers | 5 Year Variable High Ratio | 3.90% | -"
  },
  {
   "lender": "ATB Financial",
   "lenderSlug": "atb",
   "lenderType": "bank",
   "provinces": [
    "AB"
   ],
   "product": "variable",
   "term": 5,
   "insured": "any",
   "kind": "special",
   "rate": 4.05,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Featured offers, 'Residential Mortgage' column. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinance: +0.15%/yr premium; rental/secondary home or amortization >25 yrs: +0.50%/yr premium. No as-of date shown on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "Our featured offers | 5 Year Variable | 4.05% | -"
  },
  {
   "lender": "ATB Financial",
   "lenderSlug": "atb",
   "lenderType": "bank",
   "provinces": [
    "AB"
   ],
   "product": "variable",
   "term": 5,
   "insured": "any",
   "kind": "special",
   "rate": 4.05,
   "spread": null,
   "apr": 3.82,
   "open": false,
   "conditions": "'Client Rates' tab, closed variable. ANOMALY: page shows APR 3.82% below the 4.05% rate; recorded as displayed. Linked to ATB Prime; no spread text shown. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinance: +0.15%/yr premium; rental/secondary home or amortization >25 yrs: +0.50%/yr premium. No as-of date shown on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "Client Rates | Closed variable-rate mortgages | 5 years | 4.05% ... The Annual Percentage Rate (APR) * for the posted rates above closed variable-rate mortgage is: 5 years 3.82%."
  },
  {
   "lender": "ATB Financial",
   "lenderSlug": "atb",
   "lenderType": "bank",
   "provinces": [
    "AB"
   ],
   "product": "variable",
   "term": 5,
   "insured": "any",
   "kind": "posted",
   "rate": 5.55,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Posted Rates' tab, closed variable. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinance: +0.15%/yr premium; rental/secondary home or amortization >25 yrs: +0.50%/yr premium. No as-of date shown on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "Posted Rates | Closed variable-rate mortgages | 5 years | 5.55%"
  },
  {
   "lender": "BMO",
   "lenderSlug": "bmo",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 3,
   "insured": "any",
   "kind": "special",
   "rate": 4.94,
   "spread": null,
   "apr": 4.97,
   "open": false,
   "conditions": "Amortization under 25 years.",
   "pageAsOf": null,
   "sourceUrl": "https://www.bmo.com/en-ca/main/personal/mortgages/mortgage-rates/",
   "collectedOn": "2026-11-02",
   "quote": "3 year fixed (closed) | 4.94% | 4.97%"
  },
  {
   "lender": "BMO",
   "lenderSlug": "bmo",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 5,
   "insured": "insured",
   "kind": "special",
   "rate": 4.99,
   "spread": null,
   "apr": 5.01,
   "open": false,
   "conditions": "5 year Smart Fixed, default insured.",
   "pageAsOf": null,
   "sourceUrl": "https://www.bmo.com/en-ca/main/personal/mortgages/mortgage-rates/",
   "collectedOn": "2026-11-02",
   "quote": "5 year Smart Fixed (default insured) | 4.99% | 5.01%"
  },
  {
   "lender": "BMO",
   "lenderSlug": "bmo",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 5,
   "insured": "any",
   "kind": "special",
   "rate": 5.14,
   "spread": null,
   "apr": 5.16,
   "open": false,
   "conditions": "5 year Smart Fixed, amortization under 25 years.",
   "pageAsOf": null,
   "sourceUrl": "https://www.bmo.com/en-ca/main/personal/mortgages/mortgage-rates/",
   "collectedOn": "2026-11-02",
   "quote": "5 year Smart Fixed (closed) | 5.14% | 5.16%"
  },
  {
   "lender": "BMO",
   "lenderSlug": "bmo",
   "lenderType": "bank",
   "provinces": "national",
   "product": "variable",
   "term": 5,
   "insured": "any",
   "kind": "special",
   "rate": 4.35,
   "spread": null,
   "apr": 4.37,
   "open": false,
   "conditions": "Amortization under 25 years.",
   "pageAsOf": null,
   "sourceUrl": "https://www.bmo.com/en-ca/main/personal/mortgages/mortgage-rates/",
   "collectedOn": "2026-11-02",
   "quote": "5 year Variable (closed) | 4.35% | 4.37%"
  },
  {
   "lender": "Bow Valley Credit Union",
   "lenderSlug": "bow-valley",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 1,
   "insured": "any",
   "kind": "special",
   "rate": 5.14,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Special Rate' with asterisk (no footnote text found for the asterisk). Page: 'BVCU's CDN Prime Rate is 4.45%. Rates are subject to change without notice at any time.' No as-of date.",
   "pageAsOf": null,
   "sourceUrl": "https://www.bowvalleycu.com/en/rates",
   "collectedOn": "2026-11-01",
   "quote": "Residential Mortgage Rates | Closed Fixed 12 Months | Special Rate | 5.14 * %"
  },
  {
   "lender": "Bow Valley Credit Union",
   "lenderSlug": "bow-valley",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 2,
   "insured": "any",
   "kind": "special",
   "rate": 4.54,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Special Rate' with asterisk (no footnote text found for the asterisk). Page: 'BVCU's CDN Prime Rate is 4.45%. Rates are subject to change without notice at any time.' No as-of date.",
   "pageAsOf": null,
   "sourceUrl": "https://www.bowvalleycu.com/en/rates",
   "collectedOn": "2026-11-01",
   "quote": "Residential Mortgage Rates | Closed Fixed 24 Months | Special Rate | 4.54 * %"
  },
  {
   "lender": "Bow Valley Credit Union",
   "lenderSlug": "bow-valley",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 3,
   "insured": "insured",
   "kind": "special",
   "rate": 4.3,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "High Ratio. 'Special Rate' with asterisk (no footnote text found for the asterisk). Page: 'BVCU's CDN Prime Rate is 4.45%. Rates are subject to change without notice at any time.' No as-of date.",
   "pageAsOf": null,
   "sourceUrl": "https://www.bowvalleycu.com/en/rates",
   "collectedOn": "2026-11-01",
   "quote": "Closed Fixed 36 Months - High Ratio | Special Rate | 4.30 * %"
  },
  {
   "lender": "Bow Valley Credit Union",
   "lenderSlug": "bow-valley",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 3,
   "insured": "any",
   "kind": "special",
   "rate": 4.49,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Special Rate' with asterisk (no footnote text found for the asterisk). Page: 'BVCU's CDN Prime Rate is 4.45%. Rates are subject to change without notice at any time.' No as-of date.",
   "pageAsOf": null,
   "sourceUrl": "https://www.bowvalleycu.com/en/rates",
   "collectedOn": "2026-11-01",
   "quote": "Residential Mortgage Rates | Closed Fixed 36 Months | Special Rate | 4.49 * %"
  },
  {
   "lender": "Bow Valley Credit Union",
   "lenderSlug": "bow-valley",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 4,
   "insured": "insured",
   "kind": "special",
   "rate": 4.39,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "High Ratio. 'Special Rate' with asterisk (no footnote text found for the asterisk). Page: 'BVCU's CDN Prime Rate is 4.45%. Rates are subject to change without notice at any time.' No as-of date.",
   "pageAsOf": null,
   "sourceUrl": "https://www.bowvalleycu.com/en/rates",
   "collectedOn": "2026-11-01",
   "quote": "Closed Fixed 48 Months - High Ratio | Special Rate | 4.39 * %"
  },
  {
   "lender": "Bow Valley Credit Union",
   "lenderSlug": "bow-valley",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 4,
   "insured": "any",
   "kind": "special",
   "rate": 4.62,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Special Rate' with asterisk (no footnote text found for the asterisk). Page: 'BVCU's CDN Prime Rate is 4.45%. Rates are subject to change without notice at any time.' No as-of date.",
   "pageAsOf": null,
   "sourceUrl": "https://www.bowvalleycu.com/en/rates",
   "collectedOn": "2026-11-01",
   "quote": "Residential Mortgage Rates | Closed Fixed 48 Months | Special Rate | 4.62 * %"
  },
  {
   "lender": "Bow Valley Credit Union",
   "lenderSlug": "bow-valley",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 5,
   "insured": "insured",
   "kind": "special",
   "rate": 4.49,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "High Ratio. 'Special Rate' with asterisk (no footnote text found for the asterisk). Page: 'BVCU's CDN Prime Rate is 4.45%. Rates are subject to change without notice at any time.' No as-of date.",
   "pageAsOf": null,
   "sourceUrl": "https://www.bowvalleycu.com/en/rates",
   "collectedOn": "2026-11-01",
   "quote": "Closed Fixed 60 Months - High Ratio | Special Rate | 4.49 * %"
  },
  {
   "lender": "Bow Valley Credit Union",
   "lenderSlug": "bow-valley",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 5,
   "insured": "any",
   "kind": "special",
   "rate": 4.59,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Special Rate' with asterisk (no footnote text found for the asterisk). Page: 'BVCU's CDN Prime Rate is 4.45%. Rates are subject to change without notice at any time.' No as-of date.",
   "pageAsOf": null,
   "sourceUrl": "https://www.bowvalleycu.com/en/rates",
   "collectedOn": "2026-11-01",
   "quote": "Residential Mortgage Rates | Closed Fixed 60 Months | Special Rate | 4.59 * %"
  },
  {
   "lender": "Christian Credit Union",
   "lenderSlug": "christian",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 1,
   "insured": "any",
   "kind": "special",
   "rate": 4.74,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Best Rate' column. Page 'Effective October 29, 2026.' 'Christian Credit Union Prime Rate: 4.70%'. 'Mortgage qualifying rate: 6.64%'. Profit sharing eligible (not guaranteed).",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.christiancu.ca/en/rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed Closed | Years | Best Rate | 1 Year | 4.74%"
  },
  {
   "lender": "Christian Credit Union",
   "lenderSlug": "christian",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 1,
   "insured": "any",
   "kind": "special",
   "rate": 4.99,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "UltraFlex product. Page 'Effective October 29, 2026.' 'Christian Credit Union Prime Rate: 4.70%'. 'Mortgage qualifying rate: 6.64%'. Profit sharing eligible (not guaranteed).",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.christiancu.ca/en/rates",
   "collectedOn": "2026-11-01",
   "quote": "UltraFlex | Years | Best Rate | 1 Year Fixed | 4.99%"
  },
  {
   "lender": "Christian Credit Union",
   "lenderSlug": "christian",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 1,
   "insured": "any",
   "kind": "special",
   "rate": 9.15,
   "spread": null,
   "apr": null,
   "open": true,
   "conditions": "Open. Page 'Effective October 29, 2026.' 'Christian Credit Union Prime Rate: 4.70%'. 'Mortgage qualifying rate: 6.64%'. Profit sharing eligible (not guaranteed).",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.christiancu.ca/en/rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed Open | Years | Best Rate | 1 Year | 9.15%"
  },
  {
   "lender": "Christian Credit Union",
   "lenderSlug": "christian",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 2,
   "insured": "any",
   "kind": "special",
   "rate": 4.74,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Best Rate' column. Page 'Effective October 29, 2026.' 'Christian Credit Union Prime Rate: 4.70%'. 'Mortgage qualifying rate: 6.64%'. Profit sharing eligible (not guaranteed).",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.christiancu.ca/en/rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed Closed | Years | Best Rate | 2 Year | 4.74%"
  },
  {
   "lender": "Christian Credit Union",
   "lenderSlug": "christian",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 3,
   "insured": "any",
   "kind": "special",
   "rate": 4.54,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Best Rate' column. Page 'Effective October 29, 2026.' 'Christian Credit Union Prime Rate: 4.70%'. 'Mortgage qualifying rate: 6.64%'. Profit sharing eligible (not guaranteed).",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.christiancu.ca/en/rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed Closed | Years | Best Rate | 3 Year | 4.54%"
  },
  {
   "lender": "Christian Credit Union",
   "lenderSlug": "christian",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 4,
   "insured": "any",
   "kind": "special",
   "rate": 4.69,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Best Rate' column. Page 'Effective October 29, 2026.' 'Christian Credit Union Prime Rate: 4.70%'. 'Mortgage qualifying rate: 6.64%'. Profit sharing eligible (not guaranteed).",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.christiancu.ca/en/rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed Closed | Years | Best Rate | 4 Year | 4.69%"
  },
  {
   "lender": "Christian Credit Union",
   "lenderSlug": "christian",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 5,
   "insured": "insured",
   "kind": "special",
   "rate": 4.54,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "High ratio (LTV > 80%). Page 'Effective October 29, 2026.' 'Christian Credit Union Prime Rate: 4.70%'. 'Mortgage qualifying rate: 6.64%'. Profit sharing eligible (not guaranteed).",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.christiancu.ca/en/rates",
   "collectedOn": "2026-11-01",
   "quote": "High Ratio Fixed Closed | Years | Best Rate | 5 Year | 4.54%** ; '**Rate applies to high ratio mortgage where loan-to-value is greater than 80%.'"
  },
  {
   "lender": "Christian Credit Union",
   "lenderSlug": "christian",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 5,
   "insured": "any",
   "kind": "special",
   "rate": 4.64,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Best Rate' column. Page 'Effective October 29, 2026.' 'Christian Credit Union Prime Rate: 4.70%'. 'Mortgage qualifying rate: 6.64%'. Profit sharing eligible (not guaranteed).",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.christiancu.ca/en/rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed Closed | Years | Best Rate | 5 Year | 4.64%"
  },
  {
   "lender": "CIBC",
   "lenderSlug": "cibc",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 3,
   "insured": "any",
   "kind": "special",
   "rate": 5.09,
   "spread": null,
   "apr": 5.11,
   "open": false,
   "conditions": "Special offer: amortizations 25 years or less; new mortgages only.",
   "pageAsOf": "2026-11-01",
   "sourceUrl": "https://www.cibc.com/en/interest-rates/mortgage-rates.html",
   "collectedOn": "2026-11-01",
   "quote": "3-YEAR FIXED Amortizations 25 years or less 5.09% (5.11% APR)"
  },
  {
   "lender": "CIBC",
   "lenderSlug": "cibc",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 5,
   "insured": "insured",
   "kind": "special",
   "rate": 4.99,
   "spread": null,
   "apr": 5.01,
   "open": false,
   "conditions": "High-ratio; new mortgages only.",
   "pageAsOf": "2026-11-01",
   "sourceUrl": "https://www.cibc.com/en/interest-rates/mortgage-rates.html",
   "collectedOn": "2026-11-01",
   "quote": "5-YEAR FIXED HIGH-RATIO 4.99% (5.01% APR)"
  },
  {
   "lender": "CIBC",
   "lenderSlug": "cibc",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 5,
   "insured": "any",
   "kind": "special",
   "rate": 5.34,
   "spread": null,
   "apr": 5.36,
   "open": false,
   "conditions": "Special offer: amortizations 25 years or less; new mortgages only.",
   "pageAsOf": "2026-11-01",
   "sourceUrl": "https://www.cibc.com/en/interest-rates/mortgage-rates.html",
   "collectedOn": "2026-11-01",
   "quote": "5-YEAR FIXED Amortizations 25 years or less 5.34% (5.36% APR)"
  },
  {
   "lender": "CIBC",
   "lenderSlug": "cibc",
   "lenderType": "bank",
   "provinces": "national",
   "product": "variable",
   "term": 3,
   "insured": "any",
   "kind": "special",
   "rate": 4.4,
   "spread": null,
   "apr": 4.42,
   "open": false,
   "conditions": "Special offer: amortizations 25 years or less; new mortgages only.",
   "pageAsOf": "2026-11-01",
   "sourceUrl": "https://www.cibc.com/en/interest-rates/mortgage-rates.html",
   "collectedOn": "2026-11-01",
   "quote": "3-YEAR VARIABLE Amortizations 25 years or less 4.40% (4.42% APR)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "adjustable",
   "term": 5,
   "insured": "insured",
   "kind": "posted",
   "rate": null,
   "spread": -0.75,
   "apr": null,
   "open": false,
   "conditions": "Row 'Insured'. Only the spread is shown (no resulting %), so rate null; page states 'First National Prime Rate: 4.70'. Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Adjustable rate mortgages | Insured | Prime - 0.75% for the entire term"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "adjustable",
   "term": 5,
   "insured": "insurable",
   "kind": "posted",
   "rate": null,
   "spread": -0.7,
   "apr": null,
   "open": false,
   "conditions": "Row 'Insurable up to 65% LTV'. Only the spread is shown (no resulting %), so rate null; page states 'First National Prime Rate: 4.70'. Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Adjustable rate mortgages | Insurable up to 65% LTV | Prime - 0.70% for the entire term"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "adjustable",
   "term": 5,
   "insured": "insurable",
   "kind": "posted",
   "rate": null,
   "spread": -0.5,
   "apr": null,
   "open": false,
   "conditions": "Row 'Insurable > 65% - 70% LTV'. Only the spread is shown (no resulting %), so rate null; page states 'First National Prime Rate: 4.70'. Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Adjustable rate mortgages | Insurable > 65% - 70% LTV | Prime - 0.50% for the entire term"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "adjustable",
   "term": 5,
   "insured": "insurable",
   "kind": "posted",
   "rate": null,
   "spread": -0.45,
   "apr": null,
   "open": false,
   "conditions": "Row 'Insurable > 70% - 75% LTV'. Only the spread is shown (no resulting %), so rate null; page states 'First National Prime Rate: 4.70'. Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Adjustable rate mortgages | Insurable > 70% - 75% LTV | Prime - 0.45% for the entire term"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "adjustable",
   "term": 5,
   "insured": "insurable",
   "kind": "posted",
   "rate": null,
   "spread": -0.41,
   "apr": null,
   "open": false,
   "conditions": "Row 'Insurable > 75% - 80% LTV'. Only the spread is shown (no resulting %), so rate null; page states 'First National Prime Rate: 4.70'. Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Adjustable rate mortgages | Insurable > 75% - 80% LTV | Prime - 0.41% for the entire term"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "adjustable",
   "term": 5,
   "insured": "uninsured",
   "kind": "posted",
   "rate": null,
   "spread": -0.41,
   "apr": null,
   "open": false,
   "conditions": "Row 'Conventional'. Only the spread is shown (no resulting %), so rate null; page states 'First National Prime Rate: 4.70'. Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Adjustable rate mortgages | Conventional | Prime - 0.41% for the entire term"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 0.5,
   "insured": "any",
   "kind": "posted",
   "rate": 10.2,
   "spread": null,
   "apr": null,
   "open": true,
   "conditions": "Open. Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Open term mortgage | 6 month fixed term | 10.20"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 1,
   "insured": "any",
   "kind": "posted",
   "rate": 5.14,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Excalibur (alternative/credit-tiered) program, credit score band 680+. Insured status and open/closed not stated (assumed closed). Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Excalibur Mortgage Rates | 1 Year | 5.14% | 5.29% | 5.54% | 5.79% | 6.04%  (columns: 680+ | 650-679 | 600-649 | 580-599 | < 580)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 1,
   "insured": "any",
   "kind": "posted",
   "rate": 5.29,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Excalibur (alternative/credit-tiered) program, credit score band 650-679. Insured status and open/closed not stated (assumed closed). Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Excalibur Mortgage Rates | 1 Year | 5.14% | 5.29% | 5.54% | 5.79% | 6.04%  (columns: 680+ | 650-679 | 600-649 | 580-599 | < 580)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 1,
   "insured": "any",
   "kind": "posted",
   "rate": 5.54,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Excalibur (alternative/credit-tiered) program, credit score band 600-649. Insured status and open/closed not stated (assumed closed). Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Excalibur Mortgage Rates | 1 Year | 5.14% | 5.29% | 5.54% | 5.79% | 6.04%  (columns: 680+ | 650-679 | 600-649 | 580-599 | < 580)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 1,
   "insured": "insured",
   "kind": "posted",
   "rate": 5.74,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Row 'Insured'. Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed rate mortgages – closed terms | Insured | 5.74 | 5.34 | 5.25 | 5.17 | 4.99 | 5.37 | 5.69  (columns: 1 year | 2 year | 3 year | 4 year | 5 year | 7 year | 10 year)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 1,
   "insured": "insurable",
   "kind": "posted",
   "rate": 5.74,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Row 'Insurable up to 65% LTV'. insured value 'insurable' = page's Insurable LTV tier (lender-insured, borrower 20%+ down). Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed rate mortgages – closed terms | Insurable up to 65% LTV | 5.74 | 5.34 | 5.25 | 5.17 | 5.04 | N/A | N/A  (columns: 1 year | 2 year | 3 year | 4 year | 5 year | 7 year | 10 year)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 1,
   "insured": "insurable",
   "kind": "posted",
   "rate": 5.74,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Row 'Insurable > 65% - 70% LTV'. insured value 'insurable' = page's Insurable LTV tier (lender-insured, borrower 20%+ down). Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed rate mortgages – closed terms | Insurable > 65% - 70% LTV | 5.74 | 5.34 | 5.25 | 5.17 | 5.09 | N/A | N/A  (columns: 1 year | 2 year | 3 year | 4 year | 5 year | 7 year | 10 year)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 1,
   "insured": "insurable",
   "kind": "posted",
   "rate": 5.74,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Row 'Insurable > 70% - 75% LTV'. insured value 'insurable' = page's Insurable LTV tier (lender-insured, borrower 20%+ down). Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed rate mortgages – closed terms | Insurable > 70% - 75% LTV | 5.74 | 5.34 | 5.25 | 5.17 | 5.14 | N/A | N/A  (columns: 1 year | 2 year | 3 year | 4 year | 5 year | 7 year | 10 year)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 1,
   "insured": "insurable",
   "kind": "posted",
   "rate": 5.74,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Row 'Insurable > 75% - 80% LTV'. insured value 'insurable' = page's Insurable LTV tier (lender-insured, borrower 20%+ down). Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed rate mortgages – closed terms | Insurable > 75% - 80% LTV | 5.74 | 5.34 | 5.25 | 5.17 | 5.19 | N/A | N/A  (columns: 1 year | 2 year | 3 year | 4 year | 5 year | 7 year | 10 year)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 1,
   "insured": "uninsured",
   "kind": "posted",
   "rate": 5.74,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Row 'Conventional'. Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed rate mortgages – closed terms | Conventional | 5.74 | 5.34 | 5.25 | 5.17 | 5.20 | 5.37 | 5.69  (columns: 1 year | 2 year | 3 year | 4 year | 5 year | 7 year | 10 year)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 1,
   "insured": "any",
   "kind": "posted",
   "rate": 5.79,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Excalibur (alternative/credit-tiered) program, credit score band 580-599. Insured status and open/closed not stated (assumed closed). Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Excalibur Mortgage Rates | 1 Year | 5.14% | 5.29% | 5.54% | 5.79% | 6.04%  (columns: 680+ | 650-679 | 600-649 | 580-599 | < 580)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 1,
   "insured": "any",
   "kind": "posted",
   "rate": 6.04,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Excalibur (alternative/credit-tiered) program, credit score band < 580. Insured status and open/closed not stated (assumed closed). Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Excalibur Mortgage Rates | 1 Year | 5.14% | 5.29% | 5.54% | 5.79% | 6.04%  (columns: 680+ | 650-679 | 600-649 | 580-599 | < 580)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 2,
   "insured": "insured",
   "kind": "posted",
   "rate": 5.34,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Row 'Insured'. Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed rate mortgages – closed terms | Insured | 5.74 | 5.34 | 5.25 | 5.17 | 4.99 | 5.37 | 5.69  (columns: 1 year | 2 year | 3 year | 4 year | 5 year | 7 year | 10 year)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 2,
   "insured": "insurable",
   "kind": "posted",
   "rate": 5.34,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Row 'Insurable up to 65% LTV'. insured value 'insurable' = page's Insurable LTV tier (lender-insured, borrower 20%+ down). Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed rate mortgages – closed terms | Insurable up to 65% LTV | 5.74 | 5.34 | 5.25 | 5.17 | 5.04 | N/A | N/A  (columns: 1 year | 2 year | 3 year | 4 year | 5 year | 7 year | 10 year)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 2,
   "insured": "insurable",
   "kind": "posted",
   "rate": 5.34,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Row 'Insurable > 65% - 70% LTV'. insured value 'insurable' = page's Insurable LTV tier (lender-insured, borrower 20%+ down). Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed rate mortgages – closed terms | Insurable > 65% - 70% LTV | 5.74 | 5.34 | 5.25 | 5.17 | 5.09 | N/A | N/A  (columns: 1 year | 2 year | 3 year | 4 year | 5 year | 7 year | 10 year)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 2,
   "insured": "insurable",
   "kind": "posted",
   "rate": 5.34,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Row 'Insurable > 70% - 75% LTV'. insured value 'insurable' = page's Insurable LTV tier (lender-insured, borrower 20%+ down). Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed rate mortgages – closed terms | Insurable > 70% - 75% LTV | 5.74 | 5.34 | 5.25 | 5.17 | 5.14 | N/A | N/A  (columns: 1 year | 2 year | 3 year | 4 year | 5 year | 7 year | 10 year)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 2,
   "insured": "insurable",
   "kind": "posted",
   "rate": 5.34,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Row 'Insurable > 75% - 80% LTV'. insured value 'insurable' = page's Insurable LTV tier (lender-insured, borrower 20%+ down). Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed rate mortgages – closed terms | Insurable > 75% - 80% LTV | 5.74 | 5.34 | 5.25 | 5.17 | 5.19 | N/A | N/A  (columns: 1 year | 2 year | 3 year | 4 year | 5 year | 7 year | 10 year)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 2,
   "insured": "uninsured",
   "kind": "posted",
   "rate": 5.34,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Row 'Conventional'. Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed rate mortgages – closed terms | Conventional | 5.74 | 5.34 | 5.25 | 5.17 | 5.20 | 5.37 | 5.69  (columns: 1 year | 2 year | 3 year | 4 year | 5 year | 7 year | 10 year)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 2,
   "insured": "any",
   "kind": "posted",
   "rate": 5.39,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Excalibur (alternative/credit-tiered) program, credit score band 680+. Insured status and open/closed not stated (assumed closed). Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Excalibur Mortgage Rates | 2 Year | 5.39% | 5.64% | 5.89% | 6.14% | 6.29%  (columns: 680+ | 650-679 | 600-649 | 580-599 | < 580)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 2,
   "insured": "any",
   "kind": "posted",
   "rate": 5.64,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Excalibur (alternative/credit-tiered) program, credit score band 650-679. Insured status and open/closed not stated (assumed closed). Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Excalibur Mortgage Rates | 2 Year | 5.39% | 5.64% | 5.89% | 6.14% | 6.29%  (columns: 680+ | 650-679 | 600-649 | 580-599 | < 580)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 2,
   "insured": "any",
   "kind": "posted",
   "rate": 5.89,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Excalibur (alternative/credit-tiered) program, credit score band 600-649. Insured status and open/closed not stated (assumed closed). Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Excalibur Mortgage Rates | 2 Year | 5.39% | 5.64% | 5.89% | 6.14% | 6.29%  (columns: 680+ | 650-679 | 600-649 | 580-599 | < 580)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 2,
   "insured": "any",
   "kind": "posted",
   "rate": 6.14,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Excalibur (alternative/credit-tiered) program, credit score band 580-599. Insured status and open/closed not stated (assumed closed). Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Excalibur Mortgage Rates | 2 Year | 5.39% | 5.64% | 5.89% | 6.14% | 6.29%  (columns: 680+ | 650-679 | 600-649 | 580-599 | < 580)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 2,
   "insured": "any",
   "kind": "posted",
   "rate": 6.29,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Excalibur (alternative/credit-tiered) program, credit score band < 580. Insured status and open/closed not stated (assumed closed). Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Excalibur Mortgage Rates | 2 Year | 5.39% | 5.64% | 5.89% | 6.14% | 6.29%  (columns: 680+ | 650-679 | 600-649 | 580-599 | < 580)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 3,
   "insured": "insured",
   "kind": "posted",
   "rate": 5.25,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Row 'Insured'. Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed rate mortgages – closed terms | Insured | 5.74 | 5.34 | 5.25 | 5.17 | 4.99 | 5.37 | 5.69  (columns: 1 year | 2 year | 3 year | 4 year | 5 year | 7 year | 10 year)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 3,
   "insured": "insurable",
   "kind": "posted",
   "rate": 5.25,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Row 'Insurable up to 65% LTV'. insured value 'insurable' = page's Insurable LTV tier (lender-insured, borrower 20%+ down). Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed rate mortgages – closed terms | Insurable up to 65% LTV | 5.74 | 5.34 | 5.25 | 5.17 | 5.04 | N/A | N/A  (columns: 1 year | 2 year | 3 year | 4 year | 5 year | 7 year | 10 year)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 3,
   "insured": "insurable",
   "kind": "posted",
   "rate": 5.25,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Row 'Insurable > 65% - 70% LTV'. insured value 'insurable' = page's Insurable LTV tier (lender-insured, borrower 20%+ down). Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed rate mortgages – closed terms | Insurable > 65% - 70% LTV | 5.74 | 5.34 | 5.25 | 5.17 | 5.09 | N/A | N/A  (columns: 1 year | 2 year | 3 year | 4 year | 5 year | 7 year | 10 year)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 3,
   "insured": "insurable",
   "kind": "posted",
   "rate": 5.25,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Row 'Insurable > 70% - 75% LTV'. insured value 'insurable' = page's Insurable LTV tier (lender-insured, borrower 20%+ down). Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed rate mortgages – closed terms | Insurable > 70% - 75% LTV | 5.74 | 5.34 | 5.25 | 5.17 | 5.14 | N/A | N/A  (columns: 1 year | 2 year | 3 year | 4 year | 5 year | 7 year | 10 year)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 3,
   "insured": "insurable",
   "kind": "posted",
   "rate": 5.25,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Row 'Insurable > 75% - 80% LTV'. insured value 'insurable' = page's Insurable LTV tier (lender-insured, borrower 20%+ down). Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed rate mortgages – closed terms | Insurable > 75% - 80% LTV | 5.74 | 5.34 | 5.25 | 5.17 | 5.19 | N/A | N/A  (columns: 1 year | 2 year | 3 year | 4 year | 5 year | 7 year | 10 year)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 3,
   "insured": "uninsured",
   "kind": "posted",
   "rate": 5.25,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Row 'Conventional'. Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed rate mortgages – closed terms | Conventional | 5.74 | 5.34 | 5.25 | 5.17 | 5.20 | 5.37 | 5.69  (columns: 1 year | 2 year | 3 year | 4 year | 5 year | 7 year | 10 year)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 3,
   "insured": "any",
   "kind": "posted",
   "rate": 5.49,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Excalibur (alternative/credit-tiered) program, credit score band 680+. Insured status and open/closed not stated (assumed closed). Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Excalibur Mortgage Rates | 3 Year | 5.49% | 5.74% | 5.99% | 6.24% | 6.49%  (columns: 680+ | 650-679 | 600-649 | 580-599 | < 580)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 3,
   "insured": "any",
   "kind": "posted",
   "rate": 5.74,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Excalibur (alternative/credit-tiered) program, credit score band 650-679. Insured status and open/closed not stated (assumed closed). Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Excalibur Mortgage Rates | 3 Year | 5.49% | 5.74% | 5.99% | 6.24% | 6.49%  (columns: 680+ | 650-679 | 600-649 | 580-599 | < 580)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 3,
   "insured": "any",
   "kind": "posted",
   "rate": 5.99,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Excalibur (alternative/credit-tiered) program, credit score band 600-649. Insured status and open/closed not stated (assumed closed). Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Excalibur Mortgage Rates | 3 Year | 5.49% | 5.74% | 5.99% | 6.24% | 6.49%  (columns: 680+ | 650-679 | 600-649 | 580-599 | < 580)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 3,
   "insured": "any",
   "kind": "posted",
   "rate": 6.24,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Excalibur (alternative/credit-tiered) program, credit score band 580-599. Insured status and open/closed not stated (assumed closed). Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Excalibur Mortgage Rates | 3 Year | 5.49% | 5.74% | 5.99% | 6.24% | 6.49%  (columns: 680+ | 650-679 | 600-649 | 580-599 | < 580)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 3,
   "insured": "any",
   "kind": "posted",
   "rate": 6.49,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Excalibur (alternative/credit-tiered) program, credit score band < 580. Insured status and open/closed not stated (assumed closed). Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Excalibur Mortgage Rates | 3 Year | 5.49% | 5.74% | 5.99% | 6.24% | 6.49%  (columns: 680+ | 650-679 | 600-649 | 580-599 | < 580)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 4,
   "insured": "insured",
   "kind": "posted",
   "rate": 5.17,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Row 'Insured'. Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed rate mortgages – closed terms | Insured | 5.74 | 5.34 | 5.25 | 5.17 | 4.99 | 5.37 | 5.69  (columns: 1 year | 2 year | 3 year | 4 year | 5 year | 7 year | 10 year)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 4,
   "insured": "insurable",
   "kind": "posted",
   "rate": 5.17,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Row 'Insurable up to 65% LTV'. insured value 'insurable' = page's Insurable LTV tier (lender-insured, borrower 20%+ down). Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed rate mortgages – closed terms | Insurable up to 65% LTV | 5.74 | 5.34 | 5.25 | 5.17 | 5.04 | N/A | N/A  (columns: 1 year | 2 year | 3 year | 4 year | 5 year | 7 year | 10 year)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 4,
   "insured": "insurable",
   "kind": "posted",
   "rate": 5.17,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Row 'Insurable > 65% - 70% LTV'. insured value 'insurable' = page's Insurable LTV tier (lender-insured, borrower 20%+ down). Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed rate mortgages – closed terms | Insurable > 65% - 70% LTV | 5.74 | 5.34 | 5.25 | 5.17 | 5.09 | N/A | N/A  (columns: 1 year | 2 year | 3 year | 4 year | 5 year | 7 year | 10 year)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 4,
   "insured": "insurable",
   "kind": "posted",
   "rate": 5.17,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Row 'Insurable > 70% - 75% LTV'. insured value 'insurable' = page's Insurable LTV tier (lender-insured, borrower 20%+ down). Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed rate mortgages – closed terms | Insurable > 70% - 75% LTV | 5.74 | 5.34 | 5.25 | 5.17 | 5.14 | N/A | N/A  (columns: 1 year | 2 year | 3 year | 4 year | 5 year | 7 year | 10 year)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 4,
   "insured": "insurable",
   "kind": "posted",
   "rate": 5.17,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Row 'Insurable > 75% - 80% LTV'. insured value 'insurable' = page's Insurable LTV tier (lender-insured, borrower 20%+ down). Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed rate mortgages – closed terms | Insurable > 75% - 80% LTV | 5.74 | 5.34 | 5.25 | 5.17 | 5.19 | N/A | N/A  (columns: 1 year | 2 year | 3 year | 4 year | 5 year | 7 year | 10 year)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 4,
   "insured": "uninsured",
   "kind": "posted",
   "rate": 5.17,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Row 'Conventional'. Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed rate mortgages – closed terms | Conventional | 5.74 | 5.34 | 5.25 | 5.17 | 5.20 | 5.37 | 5.69  (columns: 1 year | 2 year | 3 year | 4 year | 5 year | 7 year | 10 year)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 5,
   "insured": "insured",
   "kind": "posted",
   "rate": 4.99,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Row 'Insured'. Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed rate mortgages – closed terms | Insured | 5.74 | 5.34 | 5.25 | 5.17 | 4.99 | 5.37 | 5.69  (columns: 1 year | 2 year | 3 year | 4 year | 5 year | 7 year | 10 year)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 5,
   "insured": "insurable",
   "kind": "posted",
   "rate": 5.04,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Row 'Insurable up to 65% LTV'. insured value 'insurable' = page's Insurable LTV tier (lender-insured, borrower 20%+ down). Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed rate mortgages – closed terms | Insurable up to 65% LTV | 5.74 | 5.34 | 5.25 | 5.17 | 5.04 | N/A | N/A  (columns: 1 year | 2 year | 3 year | 4 year | 5 year | 7 year | 10 year)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 5,
   "insured": "insurable",
   "kind": "posted",
   "rate": 5.09,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Row 'Insurable > 65% - 70% LTV'. insured value 'insurable' = page's Insurable LTV tier (lender-insured, borrower 20%+ down). Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed rate mortgages – closed terms | Insurable > 65% - 70% LTV | 5.74 | 5.34 | 5.25 | 5.17 | 5.09 | N/A | N/A  (columns: 1 year | 2 year | 3 year | 4 year | 5 year | 7 year | 10 year)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 5,
   "insured": "insurable",
   "kind": "posted",
   "rate": 5.14,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Row 'Insurable > 70% - 75% LTV'. insured value 'insurable' = page's Insurable LTV tier (lender-insured, borrower 20%+ down). Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed rate mortgages – closed terms | Insurable > 70% - 75% LTV | 5.74 | 5.34 | 5.25 | 5.17 | 5.14 | N/A | N/A  (columns: 1 year | 2 year | 3 year | 4 year | 5 year | 7 year | 10 year)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 5,
   "insured": "insurable",
   "kind": "posted",
   "rate": 5.19,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Row 'Insurable > 75% - 80% LTV'. insured value 'insurable' = page's Insurable LTV tier (lender-insured, borrower 20%+ down). Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed rate mortgages – closed terms | Insurable > 75% - 80% LTV | 5.74 | 5.34 | 5.25 | 5.17 | 5.19 | N/A | N/A  (columns: 1 year | 2 year | 3 year | 4 year | 5 year | 7 year | 10 year)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 5,
   "insured": "uninsured",
   "kind": "posted",
   "rate": 5.2,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Row 'Conventional'. Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed rate mortgages – closed terms | Conventional | 5.74 | 5.34 | 5.25 | 5.17 | 5.20 | 5.37 | 5.69  (columns: 1 year | 2 year | 3 year | 4 year | 5 year | 7 year | 10 year)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 7,
   "insured": "insured",
   "kind": "posted",
   "rate": 5.37,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Row 'Insured'. Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed rate mortgages – closed terms | Insured | 5.74 | 5.34 | 5.25 | 5.17 | 4.99 | 5.37 | 5.69  (columns: 1 year | 2 year | 3 year | 4 year | 5 year | 7 year | 10 year)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 7,
   "insured": "uninsured",
   "kind": "posted",
   "rate": 5.37,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Row 'Conventional'. Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed rate mortgages – closed terms | Conventional | 5.74 | 5.34 | 5.25 | 5.17 | 5.20 | 5.37 | 5.69  (columns: 1 year | 2 year | 3 year | 4 year | 5 year | 7 year | 10 year)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 10,
   "insured": "insured",
   "kind": "posted",
   "rate": 5.69,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Row 'Insured'. Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed rate mortgages – closed terms | Insured | 5.74 | 5.34 | 5.25 | 5.17 | 4.99 | 5.37 | 5.69  (columns: 1 year | 2 year | 3 year | 4 year | 5 year | 7 year | 10 year)"
  },
  {
   "lender": "First National Financial",
   "lenderSlug": "first-national",
   "lenderType": "monoline",
   "provinces": "national",
   "product": "fixed",
   "term": 10,
   "insured": "uninsured",
   "kind": "posted",
   "rate": 5.69,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Row 'Conventional'. Section 'Posted Rates'. 'Rates effective as of Thursday, October 29, 2026 for qualified residential properties.' 'Rates are for single-family residential mortgages.' First National Prime Rate: 4.70.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.firstnational.ca/residential/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed rate mortgages – closed terms | Conventional | 5.74 | 5.34 | 5.25 | 5.17 | 5.20 | 5.37 | 5.69  (columns: 1 year | 2 year | 3 year | 4 year | 5 year | 7 year | 10 year)"
  },
  {
   "lender": "Lakeland Credit Union",
   "lenderSlug": "lakeland",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 1,
   "insured": "insured",
   "kind": "special",
   "rate": 4.74,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Insured Mortgages Rates' MVP Rate column. 'MVP Rate*' = Member Value Pricing. '*Terms & conditions apply. Rates subject to change without notice. Prime rate: 4.70%'. No as-of date on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.lakelandcreditunion.com/en/personal/mortgages#Rates",
   "collectedOn": "2026-11-01",
   "quote": "| 4.84% | 1 Year Fixed | 4.74% | 1 Year Fixed"
  },
  {
   "lender": "Lakeland Credit Union",
   "lenderSlug": "lakeland",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 1,
   "insured": "uninsured",
   "kind": "special",
   "rate": 4.84,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Conventional Mortgages Rates' MVP Rate column. 'MVP Rate*' = Member Value Pricing. '*Terms & conditions apply. Rates subject to change without notice. Prime rate: 4.70%'. No as-of date on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.lakelandcreditunion.com/en/personal/mortgages#Rates",
   "collectedOn": "2026-11-01",
   "quote": "| 4.84% | 1 Year Fixed | 4.74% | 1 Year Fixed"
  },
  {
   "lender": "Lakeland Credit Union",
   "lenderSlug": "lakeland",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 2,
   "insured": "insured",
   "kind": "special",
   "rate": 4.39,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Insured Mortgages Rates' MVP Rate column. 'MVP Rate*' = Member Value Pricing. '*Terms & conditions apply. Rates subject to change without notice. Prime rate: 4.70%'. No as-of date on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.lakelandcreditunion.com/en/personal/mortgages#Rates",
   "collectedOn": "2026-11-01",
   "quote": "| 4.49% | 2 Year Fixed | 4.39% | 2 Year Fixed"
  },
  {
   "lender": "Lakeland Credit Union",
   "lenderSlug": "lakeland",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 2,
   "insured": "uninsured",
   "kind": "special",
   "rate": 4.49,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Conventional Mortgages Rates' MVP Rate column. 'MVP Rate*' = Member Value Pricing. '*Terms & conditions apply. Rates subject to change without notice. Prime rate: 4.70%'. No as-of date on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.lakelandcreditunion.com/en/personal/mortgages#Rates",
   "collectedOn": "2026-11-01",
   "quote": "| 4.49% | 2 Year Fixed | 4.39% | 2 Year Fixed"
  },
  {
   "lender": "Lakeland Credit Union",
   "lenderSlug": "lakeland",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 3,
   "insured": "insured",
   "kind": "special",
   "rate": 4.19,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Insured Mortgages Rates' MVP Rate column. 'MVP Rate*' = Member Value Pricing. '*Terms & conditions apply. Rates subject to change without notice. Prime rate: 4.70%'. No as-of date on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.lakelandcreditunion.com/en/personal/mortgages#Rates",
   "collectedOn": "2026-11-01",
   "quote": "| 4.49% | 3 Year Fixed | 4.19% | 3 Year Fixed"
  },
  {
   "lender": "Lakeland Credit Union",
   "lenderSlug": "lakeland",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 3,
   "insured": "uninsured",
   "kind": "special",
   "rate": 4.49,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Conventional Mortgages Rates' MVP Rate column. 'MVP Rate*' = Member Value Pricing. '*Terms & conditions apply. Rates subject to change without notice. Prime rate: 4.70%'. No as-of date on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.lakelandcreditunion.com/en/personal/mortgages#Rates",
   "collectedOn": "2026-11-01",
   "quote": "| 4.49% | 3 Year Fixed | 4.19% | 3 Year Fixed"
  },
  {
   "lender": "Lakeland Credit Union",
   "lenderSlug": "lakeland",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 4,
   "insured": "insured",
   "kind": "special",
   "rate": 4.29,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Insured Mortgages Rates' MVP Rate column. 'MVP Rate*' = Member Value Pricing. '*Terms & conditions apply. Rates subject to change without notice. Prime rate: 4.70%'. No as-of date on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.lakelandcreditunion.com/en/personal/mortgages#Rates",
   "collectedOn": "2026-11-01",
   "quote": "| 4.59% | 4 Year Fixed | 4.29% | 4 Year Fixed"
  },
  {
   "lender": "Lakeland Credit Union",
   "lenderSlug": "lakeland",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 4,
   "insured": "uninsured",
   "kind": "special",
   "rate": 4.59,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Conventional Mortgages Rates' MVP Rate column. 'MVP Rate*' = Member Value Pricing. '*Terms & conditions apply. Rates subject to change without notice. Prime rate: 4.70%'. No as-of date on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.lakelandcreditunion.com/en/personal/mortgages#Rates",
   "collectedOn": "2026-11-01",
   "quote": "| 4.59% | 4 Year Fixed | 4.29% | 4 Year Fixed"
  },
  {
   "lender": "Lakeland Credit Union",
   "lenderSlug": "lakeland",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 5,
   "insured": "insured",
   "kind": "special",
   "rate": 4.39,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Insured Mortgages Rates' MVP Rate column. 'MVP Rate*' = Member Value Pricing. '*Terms & conditions apply. Rates subject to change without notice. Prime rate: 4.70%'. No as-of date on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.lakelandcreditunion.com/en/personal/mortgages#Rates",
   "collectedOn": "2026-11-01",
   "quote": "| 4.64% | 5 Year Fixed | 4.39% | 5 Year Fixed"
  },
  {
   "lender": "Lakeland Credit Union",
   "lenderSlug": "lakeland",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 5,
   "insured": "uninsured",
   "kind": "special",
   "rate": 4.64,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Conventional Mortgages Rates' MVP Rate column. 'MVP Rate*' = Member Value Pricing. '*Terms & conditions apply. Rates subject to change without notice. Prime rate: 4.70%'. No as-of date on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.lakelandcreditunion.com/en/personal/mortgages#Rates",
   "collectedOn": "2026-11-01",
   "quote": "| 4.64% | 5 Year Fixed | 4.39% | 5 Year Fixed"
  },
  {
   "lender": "Lakeland Credit Union",
   "lenderSlug": "lakeland",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "variable",
   "term": 5,
   "insured": "insured",
   "kind": "special",
   "rate": 3.8,
   "spread": -0.9,
   "apr": null,
   "open": false,
   "conditions": "Closed variable, Insured column (also featured). 'MVP Rate*' = Member Value Pricing. '*Terms & conditions apply. Rates subject to change without notice. Prime rate: 4.70%'. No as-of date on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.lakelandcreditunion.com/en/personal/mortgages#Rates",
   "collectedOn": "2026-11-01",
   "quote": "| 3.95% | 5 Year Closed/Variable (prime - 0.75%) | 3.80% | 5 Year Closed/Variable (prime - 0.90%) ; featured: '5 Year Variable Closed Insured MVP Rate (Prime - 0.90%) 3.80 * %'"
  },
  {
   "lender": "Lakeland Credit Union",
   "lenderSlug": "lakeland",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "variable",
   "term": 5,
   "insured": "uninsured",
   "kind": "special",
   "rate": 3.95,
   "spread": -0.75,
   "apr": null,
   "open": false,
   "conditions": "Closed variable, Conventional column. 'MVP Rate*' = Member Value Pricing. '*Terms & conditions apply. Rates subject to change without notice. Prime rate: 4.70%'. No as-of date on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.lakelandcreditunion.com/en/personal/mortgages#Rates",
   "collectedOn": "2026-11-01",
   "quote": "| 3.95% | 5 Year Closed/Variable (prime - 0.75%) | 3.80% | 5 Year Closed/Variable (prime - 0.90%)"
  },
  {
   "lender": "Lakeland Credit Union",
   "lenderSlug": "lakeland",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "variable",
   "term": 5,
   "insured": "uninsured",
   "kind": "special",
   "rate": 5.7,
   "spread": 1,
   "apr": null,
   "open": true,
   "conditions": "Open variable, Conventional column. 'MVP Rate*' = Member Value Pricing. '*Terms & conditions apply. Rates subject to change without notice. Prime rate: 4.70%'. No as-of date on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.lakelandcreditunion.com/en/personal/mortgages#Rates",
   "collectedOn": "2026-11-01",
   "quote": "| 5.70% | 5 Year Open/Variable (prime + 1.00%) | 5.70% | 5 Year Open/Variable (prime + 1.00%)"
  },
  {
   "lender": "Lakeland Credit Union",
   "lenderSlug": "lakeland",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "variable",
   "term": 5,
   "insured": "insured",
   "kind": "special",
   "rate": 5.7,
   "spread": 1,
   "apr": null,
   "open": true,
   "conditions": "Open variable, Insured column. 'MVP Rate*' = Member Value Pricing. '*Terms & conditions apply. Rates subject to change without notice. Prime rate: 4.70%'. No as-of date on page.",
   "pageAsOf": null,
   "sourceUrl": "https://www.lakelandcreditunion.com/en/personal/mortgages#Rates",
   "collectedOn": "2026-11-01",
   "quote": "| 5.70% | 5 Year Open/Variable (prime + 1.00%) | 5.70% | 5 Year Open/Variable (prime + 1.00%)"
  },
  {
   "lender": "Meridian Credit Union",
   "lenderSlug": "meridian",
   "lenderType": "credit-union",
   "provinces": [],
   "product": "fixed",
   "term": 0.5,
   "insured": "any",
   "kind": "posted",
   "rate": 7.84,
   "spread": null,
   "apr": 7.98,
   "open": false,
   "conditions": "Posted rates. 'The current Meridian Prime Rate is 4.70% as of October 29, 2026.' APR basis: $300,000, 25-yr amortization, $300 property-valuation fee. High Ratio = <20% down, price under $1,500,000, default insurance; 'Renewals are ineligible.' 'Mortgage Rates are applicable to Retail Members Only.'",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.meridiancu.ca/personal/rates-and-fees/mortgage-and-borrowing-rates",
   "collectedOn": "2026-11-01",
   "quote": "Posted rates | 6-Month Convertible | 7.84% | 7.98% APR 1"
  },
  {
   "lender": "Meridian Credit Union",
   "lenderSlug": "meridian",
   "lenderType": "credit-union",
   "provinces": [],
   "product": "fixed",
   "term": 1,
   "insured": "any",
   "kind": "posted",
   "rate": 6.09,
   "spread": null,
   "apr": 6.19,
   "open": false,
   "conditions": "Posted rates. 'The current Meridian Prime Rate is 4.70% as of October 29, 2026.' APR basis: $300,000, 25-yr amortization, $300 property-valuation fee. High Ratio = <20% down, price under $1,500,000, default insurance; 'Renewals are ineligible.' 'Mortgage Rates are applicable to Retail Members Only.'",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.meridiancu.ca/personal/rates-and-fees/mortgage-and-borrowing-rates",
   "collectedOn": "2026-11-01",
   "quote": "Posted rates | 1-Year Closed | 6.09% | 6.19% APR 1"
  },
  {
   "lender": "Meridian Credit Union",
   "lenderSlug": "meridian",
   "lenderType": "credit-union",
   "provinces": [],
   "product": "fixed",
   "term": 1,
   "insured": "any",
   "kind": "posted",
   "rate": 8,
   "spread": null,
   "apr": 8.1,
   "open": true,
   "conditions": "Posted rates. 'The current Meridian Prime Rate is 4.70% as of October 29, 2026.' APR basis: $300,000, 25-yr amortization, $300 property-valuation fee. High Ratio = <20% down, price under $1,500,000, default insurance; 'Renewals are ineligible.' 'Mortgage Rates are applicable to Retail Members Only.'",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.meridiancu.ca/personal/rates-and-fees/mortgage-and-borrowing-rates",
   "collectedOn": "2026-11-01",
   "quote": "Posted rates | 1-Year Open | 8.00% | 8.10% APR 1"
  },
  {
   "lender": "Meridian Credit Union",
   "lenderSlug": "meridian",
   "lenderType": "credit-union",
   "provinces": [],
   "product": "fixed",
   "term": 2,
   "insured": "any",
   "kind": "posted",
   "rate": 5.74,
   "spread": null,
   "apr": 5.79,
   "open": false,
   "conditions": "Posted rates. 'The current Meridian Prime Rate is 4.70% as of October 29, 2026.' APR basis: $300,000, 25-yr amortization, $300 property-valuation fee. High Ratio = <20% down, price under $1,500,000, default insurance; 'Renewals are ineligible.' 'Mortgage Rates are applicable to Retail Members Only.'",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.meridiancu.ca/personal/rates-and-fees/mortgage-and-borrowing-rates",
   "collectedOn": "2026-11-01",
   "quote": "Posted rates | 2-Year Closed | 5.74% | 5.79% APR 1"
  },
  {
   "lender": "Meridian Credit Union",
   "lenderSlug": "meridian",
   "lenderType": "credit-union",
   "provinces": [],
   "product": "fixed",
   "term": 3,
   "insured": "insured",
   "kind": "special",
   "rate": 4.34,
   "spread": null,
   "apr": 4.37,
   "open": false,
   "conditions": "Special offers. 'The current Meridian Prime Rate is 4.70% as of October 29, 2026.' APR basis: $300,000, 25-yr amortization, $300 property-valuation fee. High Ratio = <20% down, price under $1,500,000, default insurance; 'Renewals are ineligible.' 'Mortgage Rates are applicable to Retail Members Only.'",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.meridiancu.ca/personal/rates-and-fees/mortgage-and-borrowing-rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed rate mortgages 1 | Special offers | 3-Year Closed High Ratio 2 (special offer) | 4.34% | 4.37% APR 1"
  },
  {
   "lender": "Meridian Credit Union",
   "lenderSlug": "meridian",
   "lenderType": "credit-union",
   "provinces": [],
   "product": "fixed",
   "term": 3,
   "insured": "any",
   "kind": "special",
   "rate": 4.49,
   "spread": null,
   "apr": 4.52,
   "open": false,
   "conditions": "Special offers. 'The current Meridian Prime Rate is 4.70% as of October 29, 2026.' APR basis: $300,000, 25-yr amortization, $300 property-valuation fee. High Ratio = <20% down, price under $1,500,000, default insurance; 'Renewals are ineligible.' 'Mortgage Rates are applicable to Retail Members Only.'",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.meridiancu.ca/personal/rates-and-fees/mortgage-and-borrowing-rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed rate mortgages 1 | Special offers | 3-Year Closed (special offer) | 4.49% | 4.52% APR 1"
  },
  {
   "lender": "Meridian Credit Union",
   "lenderSlug": "meridian",
   "lenderType": "credit-union",
   "provinces": [],
   "product": "fixed",
   "term": 3,
   "insured": "any",
   "kind": "posted",
   "rate": 6.54,
   "spread": null,
   "apr": 6.57,
   "open": false,
   "conditions": "Posted rates. 'The current Meridian Prime Rate is 4.70% as of October 29, 2026.' APR basis: $300,000, 25-yr amortization, $300 property-valuation fee. High Ratio = <20% down, price under $1,500,000, default insurance; 'Renewals are ineligible.' 'Mortgage Rates are applicable to Retail Members Only.'",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.meridiancu.ca/personal/rates-and-fees/mortgage-and-borrowing-rates",
   "collectedOn": "2026-11-01",
   "quote": "Posted rates | 3-Year Closed | 6.54% | 6.57% APR 1"
  },
  {
   "lender": "Meridian Credit Union",
   "lenderSlug": "meridian",
   "lenderType": "credit-union",
   "provinces": [],
   "product": "fixed",
   "term": 4,
   "insured": "any",
   "kind": "special",
   "rate": 4.49,
   "spread": null,
   "apr": 4.52,
   "open": false,
   "conditions": "Special offers. 'The current Meridian Prime Rate is 4.70% as of October 29, 2026.' APR basis: $300,000, 25-yr amortization, $300 property-valuation fee. High Ratio = <20% down, price under $1,500,000, default insurance; 'Renewals are ineligible.' 'Mortgage Rates are applicable to Retail Members Only.'",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.meridiancu.ca/personal/rates-and-fees/mortgage-and-borrowing-rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed rate mortgages 1 | Special offers | 4-Year Closed (special offer) | 4.49% | 4.52% APR 1"
  },
  {
   "lender": "Meridian Credit Union",
   "lenderSlug": "meridian",
   "lenderType": "credit-union",
   "provinces": [],
   "product": "fixed",
   "term": 4,
   "insured": "any",
   "kind": "posted",
   "rate": 6.19,
   "spread": null,
   "apr": 6.22,
   "open": false,
   "conditions": "Posted rates. 'The current Meridian Prime Rate is 4.70% as of October 29, 2026.' APR basis: $300,000, 25-yr amortization, $300 property-valuation fee. High Ratio = <20% down, price under $1,500,000, default insurance; 'Renewals are ineligible.' 'Mortgage Rates are applicable to Retail Members Only.'",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.meridiancu.ca/personal/rates-and-fees/mortgage-and-borrowing-rates",
   "collectedOn": "2026-11-01",
   "quote": "Posted rates | 4-Year Closed | 6.19% | 6.22% APR 1"
  },
  {
   "lender": "Meridian Credit Union",
   "lenderSlug": "meridian",
   "lenderType": "credit-union",
   "provinces": [],
   "product": "fixed",
   "term": 5,
   "insured": "insured",
   "kind": "special",
   "rate": 4.59,
   "spread": null,
   "apr": 4.61,
   "open": false,
   "conditions": "Special offers. 'The current Meridian Prime Rate is 4.70% as of October 29, 2026.' APR basis: $300,000, 25-yr amortization, $300 property-valuation fee. High Ratio = <20% down, price under $1,500,000, default insurance; 'Renewals are ineligible.' 'Mortgage Rates are applicable to Retail Members Only.'",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.meridiancu.ca/personal/rates-and-fees/mortgage-and-borrowing-rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed rate mortgages 1 | Special offers | 5-Year Closed High Ratio 2 (special offer) | 4.59% | 4.61% APR 1"
  },
  {
   "lender": "Meridian Credit Union",
   "lenderSlug": "meridian",
   "lenderType": "credit-union",
   "provinces": [],
   "product": "fixed",
   "term": 5,
   "insured": "any",
   "kind": "special",
   "rate": 4.74,
   "spread": null,
   "apr": 4.76,
   "open": false,
   "conditions": "Special offers. 'The current Meridian Prime Rate is 4.70% as of October 29, 2026.' APR basis: $300,000, 25-yr amortization, $300 property-valuation fee. High Ratio = <20% down, price under $1,500,000, default insurance; 'Renewals are ineligible.' 'Mortgage Rates are applicable to Retail Members Only.'",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.meridiancu.ca/personal/rates-and-fees/mortgage-and-borrowing-rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed rate mortgages 1 | Special offers | 5-Year Closed (special offer) | 4.74% | 4.76% APR 1"
  },
  {
   "lender": "Meridian Credit Union",
   "lenderSlug": "meridian",
   "lenderType": "credit-union",
   "provinces": [],
   "product": "fixed",
   "term": 5,
   "insured": "any",
   "kind": "posted",
   "rate": 6.49,
   "spread": null,
   "apr": 4.76,
   "open": false,
   "conditions": "ANOMALY: page shows APR 4.76% against a 6.49% posted rate (4.76% is the 5-yr special's APR); recorded as displayed. Posted rates. 'The current Meridian Prime Rate is 4.70% as of October 29, 2026.' APR basis: $300,000, 25-yr amortization, $300 property-valuation fee. High Ratio = <20% down, price under $1,500,000, default insurance; 'Renewals are ineligible.' 'Mortgage Rates are applicable to Retail Members Only.'",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.meridiancu.ca/personal/rates-and-fees/mortgage-and-borrowing-rates",
   "collectedOn": "2026-11-01",
   "quote": "Posted rates | 5-Year Closed | 6.49% | 4.76% APR 1"
  },
  {
   "lender": "Meridian Credit Union",
   "lenderSlug": "meridian",
   "lenderType": "credit-union",
   "provinces": [],
   "product": "fixed",
   "term": 7,
   "insured": "any",
   "kind": "posted",
   "rate": 6.89,
   "spread": null,
   "apr": 6.9,
   "open": false,
   "conditions": "Posted rates. 'The current Meridian Prime Rate is 4.70% as of October 29, 2026.' APR basis: $300,000, 25-yr amortization, $300 property-valuation fee. High Ratio = <20% down, price under $1,500,000, default insurance; 'Renewals are ineligible.' 'Mortgage Rates are applicable to Retail Members Only.'",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.meridiancu.ca/personal/rates-and-fees/mortgage-and-borrowing-rates",
   "collectedOn": "2026-11-01",
   "quote": "Posted rates | 7-Year Closed | 6.89% | 6.90% APR 1"
  },
  {
   "lender": "Meridian Credit Union",
   "lenderSlug": "meridian",
   "lenderType": "credit-union",
   "provinces": [],
   "product": "fixed",
   "term": 10,
   "insured": "any",
   "kind": "posted",
   "rate": 6.99,
   "spread": null,
   "apr": 7,
   "open": false,
   "conditions": "Posted rates. 'The current Meridian Prime Rate is 4.70% as of October 29, 2026.' APR basis: $300,000, 25-yr amortization, $300 property-valuation fee. High Ratio = <20% down, price under $1,500,000, default insurance; 'Renewals are ineligible.' 'Mortgage Rates are applicable to Retail Members Only.'",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.meridiancu.ca/personal/rates-and-fees/mortgage-and-borrowing-rates",
   "collectedOn": "2026-11-01",
   "quote": "Posted rates | 10-Year Closed | 6.99% | 7.00% APR 1"
  },
  {
   "lender": "Meridian Credit Union",
   "lenderSlug": "meridian",
   "lenderType": "credit-union",
   "provinces": [],
   "product": "variable",
   "term": 5,
   "insured": "insured",
   "kind": "special",
   "rate": 3.69,
   "spread": -1.01,
   "apr": 3.71,
   "open": false,
   "conditions": "kind null: variable table is not labelled posted or special on the page (5-yr closed HR 3.69% is also shown under 'Our latest mortgage offers'). 'The current Meridian Prime Rate is 4.70% as of October 29, 2026.' APR basis: $300,000, 25-yr amortization, $300 property-valuation fee. High Ratio = <20% down, price under $1,500,000, default insurance; 'Renewals are ineligible.' 'Mortgage Rates are applicable to Retail Members Only.' The lender's page doesn't label this rate posted or special; shown as its advertised rate.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.meridiancu.ca/personal/rates-and-fees/mortgage-and-borrowing-rates",
   "collectedOn": "2026-11-01",
   "quote": "Variable-rate mortgages 1 | 5-Year Closed High Ratio 2 | 3.69% (Prime - 1.01%) | 3.71% APR 1"
  },
  {
   "lender": "Meridian Credit Union",
   "lenderSlug": "meridian",
   "lenderType": "credit-union",
   "provinces": [],
   "product": "variable",
   "term": 5,
   "insured": "any",
   "kind": "special",
   "rate": 3.89,
   "spread": -0.81,
   "apr": 3.91,
   "open": false,
   "conditions": "kind null: variable table is not labelled posted or special on the page (5-yr closed HR 3.69% is also shown under 'Our latest mortgage offers'). 'The current Meridian Prime Rate is 4.70% as of October 29, 2026.' APR basis: $300,000, 25-yr amortization, $300 property-valuation fee. High Ratio = <20% down, price under $1,500,000, default insurance; 'Renewals are ineligible.' 'Mortgage Rates are applicable to Retail Members Only.' The lender's page doesn't label this rate posted or special; shown as its advertised rate.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.meridiancu.ca/personal/rates-and-fees/mortgage-and-borrowing-rates",
   "collectedOn": "2026-11-01",
   "quote": "Variable-rate mortgages 1 | 5-Year Closed | 3.89% (Prime - 0.81%) | 3.91% APR 1"
  },
  {
   "lender": "Meridian Credit Union",
   "lenderSlug": "meridian",
   "lenderType": "credit-union",
   "provinces": [],
   "product": "variable",
   "term": 5,
   "insured": "any",
   "kind": "special",
   "rate": 6.7,
   "spread": 2,
   "apr": 6.72,
   "open": true,
   "conditions": "kind null: variable table is not labelled posted or special on the page (5-yr closed HR 3.69% is also shown under 'Our latest mortgage offers'). 'The current Meridian Prime Rate is 4.70% as of October 29, 2026.' APR basis: $300,000, 25-yr amortization, $300 property-valuation fee. High Ratio = <20% down, price under $1,500,000, default insurance; 'Renewals are ineligible.' 'Mortgage Rates are applicable to Retail Members Only.' The lender's page doesn't label this rate posted or special; shown as its advertised rate.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.meridiancu.ca/personal/rates-and-fees/mortgage-and-borrowing-rates",
   "collectedOn": "2026-11-01",
   "quote": "Variable-rate mortgages 1 | 5-Year Open | 6.70% (Prime + 2.00%) | 6.72% APR 1"
  },
  {
   "lender": "National Bank",
   "lenderSlug": "national-bank",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 0.5,
   "insured": "any",
   "kind": "posted",
   "rate": 6.09,
   "spread": null,
   "apr": 6.31,
   "open": false,
   "conditions": "",
   "pageAsOf": "2026-11-02",
   "sourceUrl": "https://www.nbc.ca/personal/mortgages/rates.html",
   "collectedOn": "2026-11-02",
   "quote": "6 months | 9.75% | 6.09% | Closed: 6.31%"
  },
  {
   "lender": "National Bank",
   "lenderSlug": "national-bank",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 1,
   "insured": "any",
   "kind": "special",
   "rate": 5.49,
   "spread": null,
   "apr": 5.61,
   "open": false,
   "conditions": "Promotional rate.",
   "pageAsOf": "2026-11-02",
   "sourceUrl": "https://www.nbc.ca/personal/mortgages/rates.html",
   "collectedOn": "2026-11-02",
   "quote": "1 year fixed rate | 5.49% | 5.61%"
  },
  {
   "lender": "National Bank",
   "lenderSlug": "national-bank",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 1,
   "insured": "any",
   "kind": "posted",
   "rate": 5.49,
   "spread": null,
   "apr": 5.61,
   "open": false,
   "conditions": "",
   "pageAsOf": "2026-11-02",
   "sourceUrl": "https://www.nbc.ca/personal/mortgages/rates.html",
   "collectedOn": "2026-11-02",
   "quote": "1 year | 9.65% | 5.49% | Closed: 5.61%"
  },
  {
   "lender": "National Bank",
   "lenderSlug": "national-bank",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 2,
   "insured": "any",
   "kind": "special",
   "rate": 5.04,
   "spread": null,
   "apr": 5.09,
   "open": false,
   "conditions": "Promotional rate.",
   "pageAsOf": "2026-11-02",
   "sourceUrl": "https://www.nbc.ca/personal/mortgages/rates.html",
   "collectedOn": "2026-11-02",
   "quote": "2 year fixed rate | 5.04% | 5.09%"
  },
  {
   "lender": "National Bank",
   "lenderSlug": "national-bank",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 2,
   "insured": "any",
   "kind": "posted",
   "rate": 5.24,
   "spread": null,
   "apr": 5.31,
   "open": false,
   "conditions": "",
   "pageAsOf": "2026-11-02",
   "sourceUrl": "https://www.nbc.ca/personal/mortgages/rates.html",
   "collectedOn": "2026-11-02",
   "quote": "2 years | --- | 5.24% | 5.31%"
  },
  {
   "lender": "National Bank",
   "lenderSlug": "national-bank",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 3,
   "insured": "any",
   "kind": "special",
   "rate": 5.04,
   "spread": null,
   "apr": 4.99,
   "open": false,
   "conditions": "Promotional rate. The page shows an APR below the rate; recorded as displayed.",
   "pageAsOf": "2026-11-02",
   "sourceUrl": "https://www.nbc.ca/personal/mortgages/rates.html",
   "collectedOn": "2026-11-02",
   "quote": "3 year fixed rate | 5.04% | 4.99%"
  },
  {
   "lender": "National Bank",
   "lenderSlug": "national-bank",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 3,
   "insured": "any",
   "kind": "posted",
   "rate": 6.09,
   "spread": null,
   "apr": 6.1,
   "open": false,
   "conditions": "",
   "pageAsOf": "2026-11-02",
   "sourceUrl": "https://www.nbc.ca/personal/mortgages/rates.html",
   "collectedOn": "2026-11-02",
   "quote": "3 years | --- | 6.09% | 6.10%"
  },
  {
   "lender": "National Bank",
   "lenderSlug": "national-bank",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 4,
   "insured": "any",
   "kind": "special",
   "rate": 5.09,
   "spread": null,
   "apr": 5.08,
   "open": false,
   "conditions": "Promotional rate. The page shows an APR below the rate; recorded as displayed.",
   "pageAsOf": "2026-11-02",
   "sourceUrl": "https://www.nbc.ca/personal/mortgages/rates.html",
   "collectedOn": "2026-11-02",
   "quote": "4 year fixed rate | 5.09% | 5.08%"
  },
  {
   "lender": "National Bank",
   "lenderSlug": "national-bank",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 4,
   "insured": "any",
   "kind": "posted",
   "rate": 6.05,
   "spread": null,
   "apr": 6.09,
   "open": false,
   "conditions": "",
   "pageAsOf": "2026-11-02",
   "sourceUrl": "https://www.nbc.ca/personal/mortgages/rates.html",
   "collectedOn": "2026-11-02",
   "quote": "4 years | --- | 6.05% see the promo | 6.09%"
  },
  {
   "lender": "National Bank",
   "lenderSlug": "national-bank",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 5,
   "insured": "insured",
   "kind": "special",
   "rate": 4.69,
   "spread": null,
   "apr": 4.73,
   "open": false,
   "conditions": "Promotion: 5 year fixed high ratio.",
   "pageAsOf": "2026-11-02",
   "sourceUrl": "https://www.nbc.ca/personal/mortgages/rates.html",
   "collectedOn": "2026-11-02",
   "quote": "5 year fixed high ratio rate 4.69% 4.73% APR"
  },
  {
   "lender": "National Bank",
   "lenderSlug": "national-bank",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 5,
   "insured": "any",
   "kind": "special",
   "rate": 5.14,
   "spread": null,
   "apr": 5.18,
   "open": false,
   "conditions": "Promotional rate.",
   "pageAsOf": "2026-11-02",
   "sourceUrl": "https://www.nbc.ca/personal/mortgages/rates.html",
   "collectedOn": "2026-11-02",
   "quote": "5 year fixed rate 5.14% 5.18% APR"
  },
  {
   "lender": "National Bank",
   "lenderSlug": "national-bank",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 5,
   "insured": "any",
   "kind": "posted",
   "rate": 6.14,
   "spread": null,
   "apr": 6.18,
   "open": false,
   "conditions": "",
   "pageAsOf": "2026-11-02",
   "sourceUrl": "https://www.nbc.ca/personal/mortgages/rates.html",
   "collectedOn": "2026-11-02",
   "quote": "5 years | --- | 6.14% see the promo | 6.18%"
  },
  {
   "lender": "National Bank",
   "lenderSlug": "national-bank",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 6,
   "insured": "any",
   "kind": "posted",
   "rate": 6.4,
   "spread": null,
   "apr": 6.44,
   "open": false,
   "conditions": "",
   "pageAsOf": "2026-11-02",
   "sourceUrl": "https://www.nbc.ca/personal/mortgages/rates.html",
   "collectedOn": "2026-11-02",
   "quote": "6 years | --- | 6.40% | 6.44%"
  },
  {
   "lender": "National Bank",
   "lenderSlug": "national-bank",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 7,
   "insured": "any",
   "kind": "special",
   "rate": 5.34,
   "spread": null,
   "apr": 5.37,
   "open": false,
   "conditions": "Promotional rate.",
   "pageAsOf": "2026-11-02",
   "sourceUrl": "https://www.nbc.ca/personal/mortgages/rates.html",
   "collectedOn": "2026-11-02",
   "quote": "7 year fixed rate | 5.34% | 5.37%"
  },
  {
   "lender": "National Bank",
   "lenderSlug": "national-bank",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 7,
   "insured": "any",
   "kind": "posted",
   "rate": 6.4,
   "spread": null,
   "apr": 6.43,
   "open": false,
   "conditions": "",
   "pageAsOf": "2026-11-02",
   "sourceUrl": "https://www.nbc.ca/personal/mortgages/rates.html",
   "collectedOn": "2026-11-02",
   "quote": "7 years | --- | 6.40% | 6.43%"
  },
  {
   "lender": "National Bank",
   "lenderSlug": "national-bank",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 10,
   "insured": "any",
   "kind": "posted",
   "rate": 6.8,
   "spread": null,
   "apr": 6.83,
   "open": false,
   "conditions": "",
   "pageAsOf": "2026-11-02",
   "sourceUrl": "https://www.nbc.ca/personal/mortgages/rates.html",
   "collectedOn": "2026-11-02",
   "quote": "10 years | --- | 6.80% | 6.83%"
  },
  {
   "lender": "National Bank",
   "lenderSlug": "national-bank",
   "lenderType": "bank",
   "provinces": "national",
   "product": "variable",
   "term": 5,
   "insured": "any",
   "kind": "special",
   "rate": 4.35,
   "spread": -0.35,
   "apr": 4.39,
   "open": false,
   "conditions": "Promotional rate.",
   "pageAsOf": "2026-11-02",
   "sourceUrl": "https://www.nbc.ca/personal/mortgages/rates.html",
   "collectedOn": "2026-11-02",
   "quote": "5 year variable rate 4.35% Prime rate – 0.35% 4.39% APR"
  },
  {
   "lender": "National Bank",
   "lenderSlug": "national-bank",
   "lenderType": "bank",
   "provinces": "national",
   "product": "variable",
   "term": 5,
   "insured": "any",
   "kind": "posted",
   "rate": 4.7,
   "spread": 0,
   "apr": 4.74,
   "open": false,
   "conditions": "Variable-rate mortgage, 60-month term: prime + 0.00%.",
   "pageAsOf": "2026-11-02",
   "sourceUrl": "https://www.nbc.ca/personal/mortgages/rates.html",
   "collectedOn": "2026-11-02",
   "quote": "Variable-rate mortgage (60 month term) | Prime rate | 0.00% | 4.70% | 4.74%"
  },
  {
   "lender": "nesto",
   "lenderSlug": "nesto",
   "lenderType": "digital",
   "provinces": [
    "AB",
    "BC",
    "ON",
    "QC"
   ],
   "product": "fixed",
   "term": 2,
   "insured": "insured",
   "kind": "special",
   "rate": 5.09,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Page: 'The best mortgage rates in Canada right now, as of Thursday, October 29, 2026, are the lowest insured rates nesto offers on each term.' 'Our lowest advertised rates apply to insured mortgage balances between $700,000 and $1,375,000 for properties valued less than $1.5 million.' nesto prime 4.70%. Same headline rates shown on the Alberta page https://www.nesto.ca/mortgage-rates/location/alberta/. NOTE: nesto is a lender/broker; full insured/insurable/uninsured table is JS-loaded and was not readable.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.nesto.ca/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "2-year fixed insured mortgage rate: 5.09 %"
  },
  {
   "lender": "nesto",
   "lenderSlug": "nesto",
   "lenderType": "digital",
   "provinces": [
    "AB",
    "BC",
    "ON",
    "QC"
   ],
   "product": "fixed",
   "term": 3,
   "insured": "insured",
   "kind": "special",
   "rate": 4.54,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Page: 'The best mortgage rates in Canada right now, as of Thursday, October 29, 2026, are the lowest insured rates nesto offers on each term.' 'Our lowest advertised rates apply to insured mortgage balances between $700,000 and $1,375,000 for properties valued less than $1.5 million.' nesto prime 4.70%. Same headline rates shown on the Alberta page https://www.nesto.ca/mortgage-rates/location/alberta/. NOTE: nesto is a lender/broker; full insured/insurable/uninsured table is JS-loaded and was not readable.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.nesto.ca/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "3-year fixed insured mortgage rate: 4.54 %"
  },
  {
   "lender": "nesto",
   "lenderSlug": "nesto",
   "lenderType": "digital",
   "provinces": [
    "AB",
    "BC",
    "ON",
    "QC"
   ],
   "product": "fixed",
   "term": 4,
   "insured": "insured",
   "kind": "special",
   "rate": 4.79,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Page: 'The best mortgage rates in Canada right now, as of Thursday, October 29, 2026, are the lowest insured rates nesto offers on each term.' 'Our lowest advertised rates apply to insured mortgage balances between $700,000 and $1,375,000 for properties valued less than $1.5 million.' nesto prime 4.70%. Same headline rates shown on the Alberta page https://www.nesto.ca/mortgage-rates/location/alberta/. NOTE: nesto is a lender/broker; full insured/insurable/uninsured table is JS-loaded and was not readable.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.nesto.ca/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "4-year fixed insured mortgage rate: 4.79 %"
  },
  {
   "lender": "nesto",
   "lenderSlug": "nesto",
   "lenderType": "digital",
   "provinces": [
    "AB",
    "BC",
    "ON",
    "QC"
   ],
   "product": "fixed",
   "term": 5,
   "insured": "insured",
   "kind": "special",
   "rate": 4.59,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Page: 'The best mortgage rates in Canada right now, as of Thursday, October 29, 2026, are the lowest insured rates nesto offers on each term.' 'Our lowest advertised rates apply to insured mortgage balances between $700,000 and $1,375,000 for properties valued less than $1.5 million.' nesto prime 4.70%. Same headline rates shown on the Alberta page https://www.nesto.ca/mortgage-rates/location/alberta/. NOTE: nesto is a lender/broker; full insured/insurable/uninsured table is JS-loaded and was not readable.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.nesto.ca/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "5-year fixed insured mortgage rate: 4.59 %"
  },
  {
   "lender": "nesto",
   "lenderSlug": "nesto",
   "lenderType": "digital",
   "provinces": [
    "AB",
    "BC",
    "ON",
    "QC"
   ],
   "product": "fixed",
   "term": 7,
   "insured": "insured",
   "kind": "special",
   "rate": 6.69,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "ANOMALY flag: insured 7/10-yr figures are well above the page's Big 6 average for those terms; recorded exactly as displayed. Page: 'The best mortgage rates in Canada right now, as of Thursday, October 29, 2026, are the lowest insured rates nesto offers on each term.' 'Our lowest advertised rates apply to insured mortgage balances between $700,000 and $1,375,000 for properties valued less than $1.5 million.' nesto prime 4.70%. Same headline rates shown on the Alberta page https://www.nesto.ca/mortgage-rates/location/alberta/. NOTE: nesto is a lender/broker; full insured/insurable/uninsured table is JS-loaded and was not readable.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.nesto.ca/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "7-year fixed insured mortgage rate: 6.69 %"
  },
  {
   "lender": "nesto",
   "lenderSlug": "nesto",
   "lenderType": "digital",
   "provinces": [
    "AB",
    "BC",
    "ON",
    "QC"
   ],
   "product": "fixed",
   "term": 10,
   "insured": "insured",
   "kind": "special",
   "rate": 8.24,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "ANOMALY flag: insured 7/10-yr figures are well above the page's Big 6 average for those terms; recorded exactly as displayed. Page: 'The best mortgage rates in Canada right now, as of Thursday, October 29, 2026, are the lowest insured rates nesto offers on each term.' 'Our lowest advertised rates apply to insured mortgage balances between $700,000 and $1,375,000 for properties valued less than $1.5 million.' nesto prime 4.70%. Same headline rates shown on the Alberta page https://www.nesto.ca/mortgage-rates/location/alberta/. NOTE: nesto is a lender/broker; full insured/insurable/uninsured table is JS-loaded and was not readable.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.nesto.ca/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "10-year fixed insured mortgage rate: 8.24 %"
  },
  {
   "lender": "nesto",
   "lenderSlug": "nesto",
   "lenderType": "digital",
   "provinces": [
    "AB",
    "BC",
    "ON",
    "QC"
   ],
   "product": "variable",
   "term": 3,
   "insured": "insured",
   "kind": "special",
   "rate": 3.85,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Page: 'The best mortgage rates in Canada right now, as of Thursday, October 29, 2026, are the lowest insured rates nesto offers on each term.' 'Our lowest advertised rates apply to insured mortgage balances between $700,000 and $1,375,000 for properties valued less than $1.5 million.' nesto prime 4.70%. Same headline rates shown on the Alberta page https://www.nesto.ca/mortgage-rates/location/alberta/. NOTE: nesto is a lender/broker; full insured/insurable/uninsured table is JS-loaded and was not readable.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.nesto.ca/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "3-year variable insured mortgage rate: 3.85 %"
  },
  {
   "lender": "nesto",
   "lenderSlug": "nesto",
   "lenderType": "digital",
   "provinces": [
    "AB",
    "BC",
    "ON",
    "QC"
   ],
   "product": "variable",
   "term": 5,
   "insured": "insured",
   "kind": "special",
   "rate": 3.66,
   "spread": -1.04,
   "apr": null,
   "open": false,
   "conditions": "Page: 'The best mortgage rates in Canada right now, as of Thursday, October 29, 2026, are the lowest insured rates nesto offers on each term.' 'Our lowest advertised rates apply to insured mortgage balances between $700,000 and $1,375,000 for properties valued less than $1.5 million.' nesto prime 4.70%. Same headline rates shown on the Alberta page https://www.nesto.ca/mortgage-rates/location/alberta/. NOTE: nesto is a lender/broker; full insured/insurable/uninsured table is JS-loaded and was not readable.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.nesto.ca/mortgage-rates/",
   "collectedOn": "2026-11-01",
   "quote": "5-year variable insured mortgage rate: 3.66 % ; headline '3.66 % 5-year variable* (Prime - 1.04 % )'"
  },
  {
   "lender": "RBC Royal Bank",
   "lenderSlug": "rbc",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 0.5,
   "insured": "any",
   "kind": "posted",
   "rate": 5.74,
   "spread": null,
   "apr": 5.99,
   "open": false,
   "conditions": "Convertible.",
   "pageAsOf": null,
   "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
   "collectedOn": "2026-11-01",
   "quote": "6 Month Convertible | 5.740 % | 5.990 %"
  },
  {
   "lender": "RBC Royal Bank",
   "lenderSlug": "rbc",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 1,
   "insured": "any",
   "kind": "special",
   "rate": 5.14,
   "spread": null,
   "apr": 5.27,
   "open": false,
   "conditions": "Special rate for purchase and switch transactions, amortization 25 years or less.",
   "pageAsOf": null,
   "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
   "collectedOn": "2026-11-01",
   "quote": "1 Year Closed | 5.140 % | 5.270 %"
  },
  {
   "lender": "RBC Royal Bank",
   "lenderSlug": "rbc",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 1,
   "insured": "any",
   "kind": "posted",
   "rate": 5.74,
   "spread": null,
   "apr": 5.87,
   "open": false,
   "conditions": "",
   "pageAsOf": null,
   "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
   "collectedOn": "2026-11-01",
   "quote": "1 Year Closed | 5.740 % | 5.870 %"
  },
  {
   "lender": "RBC Royal Bank",
   "lenderSlug": "rbc",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 2,
   "insured": "any",
   "kind": "special",
   "rate": 5.14,
   "spread": null,
   "apr": 5.2,
   "open": false,
   "conditions": "Special rate for purchase and switch transactions, amortization 25 years or less.",
   "pageAsOf": null,
   "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
   "collectedOn": "2026-11-01",
   "quote": "2 Year Closed | 5.140 % | 5.200 %"
  },
  {
   "lender": "RBC Royal Bank",
   "lenderSlug": "rbc",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 2,
   "insured": "any",
   "kind": "posted",
   "rate": 5.74,
   "spread": null,
   "apr": 5.8,
   "open": false,
   "conditions": "",
   "pageAsOf": null,
   "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
   "collectedOn": "2026-11-01",
   "quote": "2 Year Closed | 5.740 % | 5.800 %"
  },
  {
   "lender": "RBC Royal Bank",
   "lenderSlug": "rbc",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 3,
   "insured": "any",
   "kind": "special",
   "rate": 5.09,
   "spread": null,
   "apr": 5.13,
   "open": false,
   "conditions": "Special rate for purchase and switch transactions, amortization 25 years or less.",
   "pageAsOf": null,
   "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
   "collectedOn": "2026-11-01",
   "quote": "3 Year Closed | 5.090 % | 5.130 %"
  },
  {
   "lender": "RBC Royal Bank",
   "lenderSlug": "rbc",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 3,
   "insured": "any",
   "kind": "posted",
   "rate": 6.25,
   "spread": null,
   "apr": 6.29,
   "open": false,
   "conditions": "",
   "pageAsOf": null,
   "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
   "collectedOn": "2026-11-01",
   "quote": "3 Year Closed | 6.250 % | 6.290 %"
  },
  {
   "lender": "RBC Royal Bank",
   "lenderSlug": "rbc",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 4,
   "insured": "any",
   "kind": "special",
   "rate": 5.04,
   "spread": null,
   "apr": 5.07,
   "open": false,
   "conditions": "Special rate for purchase and switch transactions, amortization 25 years or less.",
   "pageAsOf": null,
   "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
   "collectedOn": "2026-11-01",
   "quote": "4 Year Closed | 5.040 % | 5.070 %"
  },
  {
   "lender": "RBC Royal Bank",
   "lenderSlug": "rbc",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 4,
   "insured": "any",
   "kind": "posted",
   "rate": 6.09,
   "spread": null,
   "apr": 6.12,
   "open": false,
   "conditions": "",
   "pageAsOf": null,
   "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
   "collectedOn": "2026-11-01",
   "quote": "4 Year Closed | 6.090 % | 6.120 %"
  },
  {
   "lender": "RBC Royal Bank",
   "lenderSlug": "rbc",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 5,
   "insured": "insured",
   "kind": "special",
   "rate": 4.84,
   "spread": null,
   "apr": 4.87,
   "open": false,
   "conditions": "High Ratio: customers with less than 20% down payment on a purchase transaction who meet other conditions.",
   "pageAsOf": null,
   "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
   "collectedOn": "2026-11-01",
   "quote": "5 Year Fixed High Ratio Closed | 4.840 % | 4.870 %"
  },
  {
   "lender": "RBC Royal Bank",
   "lenderSlug": "rbc",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 5,
   "insured": "any",
   "kind": "special",
   "rate": 5.14,
   "spread": null,
   "apr": 5.17,
   "open": false,
   "conditions": "Special rate for purchase and switch transactions, amortization 25 years or less.",
   "pageAsOf": null,
   "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
   "collectedOn": "2026-11-01",
   "quote": "5 Year Closed | 5.140 % | 5.170 %"
  },
  {
   "lender": "RBC Royal Bank",
   "lenderSlug": "rbc",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 5,
   "insured": "any",
   "kind": "posted",
   "rate": 6.19,
   "spread": null,
   "apr": 6.22,
   "open": false,
   "conditions": "",
   "pageAsOf": null,
   "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
   "collectedOn": "2026-11-01",
   "quote": "5 Year Closed | 6.190 % | 6.220 %"
  },
  {
   "lender": "RBC Royal Bank",
   "lenderSlug": "rbc",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 7,
   "insured": "any",
   "kind": "special",
   "rate": 5.25,
   "spread": null,
   "apr": 5.27,
   "open": false,
   "conditions": "Special rate for purchase and switch transactions, amortization 25 years or less.",
   "pageAsOf": null,
   "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
   "collectedOn": "2026-11-01",
   "quote": "7 Year Closed | 5.250 % | 5.270 %"
  },
  {
   "lender": "RBC Royal Bank",
   "lenderSlug": "rbc",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 7,
   "insured": "any",
   "kind": "posted",
   "rate": 6.5,
   "spread": null,
   "apr": 6.52,
   "open": false,
   "conditions": "",
   "pageAsOf": null,
   "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
   "collectedOn": "2026-11-01",
   "quote": "7 Year Closed | 6.500 % | 6.520 %"
  },
  {
   "lender": "RBC Royal Bank",
   "lenderSlug": "rbc",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 10,
   "insured": "any",
   "kind": "posted",
   "rate": 6.9,
   "spread": null,
   "apr": 6.91,
   "open": false,
   "conditions": "",
   "pageAsOf": null,
   "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
   "collectedOn": "2026-11-01",
   "quote": "10 Year Closed | 6.900 % | 6.910 %"
  },
  {
   "lender": "RBC Royal Bank",
   "lenderSlug": "rbc",
   "lenderType": "bank",
   "provinces": "national",
   "product": "variable",
   "term": 5,
   "insured": "any",
   "kind": "posted",
   "rate": null,
   "spread": 0,
   "apr": 4.73,
   "open": false,
   "conditions": "Posted variable: RBC Prime + 0.000%.",
   "pageAsOf": null,
   "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
   "collectedOn": "2026-11-01",
   "quote": "5 Year Closed | RBC Prime Rate + | 0.000 % | 4.730 %"
  },
  {
   "lender": "RBC Royal Bank",
   "lenderSlug": "rbc",
   "lenderType": "bank",
   "provinces": "national",
   "product": "variable",
   "term": 5,
   "insured": "insured",
   "kind": "special",
   "rate": 4.1,
   "spread": -0.6,
   "apr": 4.13,
   "open": false,
   "conditions": "High Ratio: less than 20% down payment on a purchase.",
   "pageAsOf": null,
   "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
   "collectedOn": "2026-11-01",
   "quote": "5 Year Variable High Ratio Closed | RBC Prime Rate | -0.600 % (4.100%) | 4.130 %"
  },
  {
   "lender": "RBC Royal Bank",
   "lenderSlug": "rbc",
   "lenderType": "bank",
   "provinces": "national",
   "product": "variable",
   "term": 5,
   "insured": "any",
   "kind": "special",
   "rate": 4.4,
   "spread": -0.3,
   "apr": 4.43,
   "open": false,
   "conditions": "Special rate for purchase and switch transactions, amortization 25 years or less.",
   "pageAsOf": null,
   "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
   "collectedOn": "2026-11-01",
   "quote": "5 Year Closed | RBC Prime Rate -0.300 % (4.400%) | 4.430 %"
  },
  {
   "lender": "Scotiabank",
   "lenderSlug": "scotiabank",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 0.5,
   "insured": "any",
   "kind": "posted",
   "rate": 6.09,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Flexible/closed.",
   "pageAsOf": "2026-11-02",
   "sourceUrl": "https://www.scotiabank.com/ca/en/personal/rates-prices/mortgages-rates.html",
   "collectedOn": "2026-11-01",
   "quote": "Flexible/Closed Mortgage - 6 month 6.090%"
  },
  {
   "lender": "Scotiabank",
   "lenderSlug": "scotiabank",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 1,
   "insured": "any",
   "kind": "posted",
   "rate": 5.49,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "",
   "pageAsOf": "2026-11-02",
   "sourceUrl": "https://www.scotiabank.com/ca/en/personal/rates-prices/mortgages-rates.html",
   "collectedOn": "2026-11-01",
   "quote": "1 year 5.490%"
  },
  {
   "lender": "Scotiabank",
   "lenderSlug": "scotiabank",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 2,
   "insured": "any",
   "kind": "posted",
   "rate": 5.24,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "",
   "pageAsOf": "2026-11-02",
   "sourceUrl": "https://www.scotiabank.com/ca/en/personal/rates-prices/mortgages-rates.html",
   "collectedOn": "2026-11-01",
   "quote": "2 years 5.240%"
  },
  {
   "lender": "Scotiabank",
   "lenderSlug": "scotiabank",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 3,
   "insured": "any",
   "kind": "posted",
   "rate": 6.05,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "",
   "pageAsOf": "2026-11-02",
   "sourceUrl": "https://www.scotiabank.com/ca/en/personal/rates-prices/mortgages-rates.html",
   "collectedOn": "2026-11-01",
   "quote": "3 years 6.050%"
  },
  {
   "lender": "Scotiabank",
   "lenderSlug": "scotiabank",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 4,
   "insured": "any",
   "kind": "posted",
   "rate": 6.09,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "",
   "pageAsOf": "2026-11-02",
   "sourceUrl": "https://www.scotiabank.com/ca/en/personal/rates-prices/mortgages-rates.html",
   "collectedOn": "2026-11-01",
   "quote": "4 years 6.090%"
  },
  {
   "lender": "Scotiabank",
   "lenderSlug": "scotiabank",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 5,
   "insured": "any",
   "kind": "posted",
   "rate": 6.19,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "",
   "pageAsOf": "2026-11-02",
   "sourceUrl": "https://www.scotiabank.com/ca/en/personal/rates-prices/mortgages-rates.html",
   "collectedOn": "2026-11-01",
   "quote": "5 years 6.190%"
  },
  {
   "lender": "Scotiabank",
   "lenderSlug": "scotiabank",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 7,
   "insured": "any",
   "kind": "posted",
   "rate": 6.4,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "",
   "pageAsOf": "2026-11-02",
   "sourceUrl": "https://www.scotiabank.com/ca/en/personal/rates-prices/mortgages-rates.html",
   "collectedOn": "2026-11-01",
   "quote": "7 years 6.400%"
  },
  {
   "lender": "Scotiabank",
   "lenderSlug": "scotiabank",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 10,
   "insured": "any",
   "kind": "posted",
   "rate": 6.8,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "",
   "pageAsOf": "2026-11-02",
   "sourceUrl": "https://www.scotiabank.com/ca/en/personal/rates-prices/mortgages-rates.html",
   "collectedOn": "2026-11-01",
   "quote": "10 years 6.800%"
  },
  {
   "lender": "Scotiabank",
   "lenderSlug": "scotiabank",
   "lenderType": "bank",
   "provinces": "national",
   "product": "variable",
   "term": 3,
   "insured": "any",
   "kind": "posted",
   "rate": 6.2,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Scotia Ultimate Variable Rate Mortgage, 3-year closed term (posted).",
   "pageAsOf": "2026-11-02",
   "sourceUrl": "https://www.scotiabank.com/ca/en/personal/rates-prices/mortgages-rates.html",
   "collectedOn": "2026-11-01",
   "quote": "Scotia Ultimate Variable Rate Mortgage - 3 Year Closed Term 6.200%"
  },
  {
   "lender": "Scotiabank",
   "lenderSlug": "scotiabank",
   "lenderType": "bank",
   "provinces": "national",
   "product": "variable",
   "term": 5,
   "insured": "any",
   "kind": "posted",
   "rate": 5.15,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Scotia Flex Value Mortgage, closed 5-year term (posted).",
   "pageAsOf": "2026-11-02",
   "sourceUrl": "https://www.scotiabank.com/ca/en/personal/rates-prices/mortgages-rates.html",
   "collectedOn": "2026-11-01",
   "quote": "Scotia Flex Value Mortgage-Closed 5 Year Term 5.150%"
  },
  {
   "lender": "Servus Credit Union",
   "lenderSlug": "servus",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 0.5,
   "insured": "any",
   "kind": "posted",
   "rate": 5.49,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Convertible. Only a 'Rate' column value shown; Special Rate column empty. 'Rate' column (posted). Mortgages tab 'Effective: Thursday, October 15, 2026'. Servus Prime 4.70% as of October 29, 2026.",
   "pageAsOf": "2026-10-15",
   "sourceUrl": "https://servus.ca/rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed Rate Closed Mortgage | 6 Month (Convertible) | 5.49%"
  },
  {
   "lender": "Servus Credit Union",
   "lenderSlug": "servus",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 0.5,
   "insured": "any",
   "kind": "posted",
   "rate": 9.85,
   "spread": null,
   "apr": null,
   "open": true,
   "conditions": "Open. 'Rate' column. Mortgages tab 'Effective: Thursday, October 15, 2026'. Servus Prime 4.70% as of October 29, 2026.",
   "pageAsOf": "2026-10-15",
   "sourceUrl": "https://servus.ca/rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed Rate Open Mortgage | 6 Month | 9.85%"
  },
  {
   "lender": "Servus Credit Union",
   "lenderSlug": "servus",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 1,
   "insured": "any",
   "kind": "special",
   "rate": 4.94,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Special Rate' column. Footnote 1: 'Special rates are for owner occupied properties with amortization of 25 years or less and are subject to Servus lending criteria. Other conditions apply.' Mortgages tab 'Effective: Thursday, October 15, 2026'. Servus Prime 4.70% as of October 29, 2026.",
   "pageAsOf": "2026-10-15",
   "sourceUrl": "https://servus.ca/rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed Rate Closed Mortgage | 1 Year | 5.49% | 4.94%"
  },
  {
   "lender": "Servus Credit Union",
   "lenderSlug": "servus",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 1,
   "insured": "any",
   "kind": "posted",
   "rate": 5.49,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Rate' column (posted). Mortgages tab 'Effective: Thursday, October 15, 2026'. Servus Prime 4.70% as of October 29, 2026.",
   "pageAsOf": "2026-10-15",
   "sourceUrl": "https://servus.ca/rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed Rate Closed Mortgage | 1 Year | 5.49% | 4.94%"
  },
  {
   "lender": "Servus Credit Union",
   "lenderSlug": "servus",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 1,
   "insured": "any",
   "kind": "posted",
   "rate": 9.85,
   "spread": null,
   "apr": null,
   "open": true,
   "conditions": "Open. 'Rate' column. Mortgages tab 'Effective: Thursday, October 15, 2026'. Servus Prime 4.70% as of October 29, 2026.",
   "pageAsOf": "2026-10-15",
   "sourceUrl": "https://servus.ca/rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed Rate Open Mortgage | 1 Year | 9.85%"
  },
  {
   "lender": "Servus Credit Union",
   "lenderSlug": "servus",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 2,
   "insured": "any",
   "kind": "special",
   "rate": 4.59,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Special Rate' column. Footnote 1: 'Special rates are for owner occupied properties with amortization of 25 years or less and are subject to Servus lending criteria. Other conditions apply.' Mortgages tab 'Effective: Thursday, October 15, 2026'. Servus Prime 4.70% as of October 29, 2026.",
   "pageAsOf": "2026-10-15",
   "sourceUrl": "https://servus.ca/rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed Rate Closed Mortgage | 2 Year | 5.49% | 4.59%"
  },
  {
   "lender": "Servus Credit Union",
   "lenderSlug": "servus",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 2,
   "insured": "any",
   "kind": "posted",
   "rate": 5.49,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Rate' column (posted). Mortgages tab 'Effective: Thursday, October 15, 2026'. Servus Prime 4.70% as of October 29, 2026.",
   "pageAsOf": "2026-10-15",
   "sourceUrl": "https://servus.ca/rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed Rate Closed Mortgage | 2 Year | 5.49% | 4.59%"
  },
  {
   "lender": "Servus Credit Union",
   "lenderSlug": "servus",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 2,
   "insured": "any",
   "kind": "posted",
   "rate": 9.85,
   "spread": null,
   "apr": null,
   "open": true,
   "conditions": "Open. 'Rate' column. Mortgages tab 'Effective: Thursday, October 15, 2026'. Servus Prime 4.70% as of October 29, 2026.",
   "pageAsOf": "2026-10-15",
   "sourceUrl": "https://servus.ca/rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed Rate Open Mortgage | 2 Year | 9.85%"
  },
  {
   "lender": "Servus Credit Union",
   "lenderSlug": "servus",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 3,
   "insured": "any",
   "kind": "special",
   "rate": 4.59,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Special Rate' column. Footnote 1: 'Special rates are for owner occupied properties with amortization of 25 years or less and are subject to Servus lending criteria. Other conditions apply.' Mortgages tab 'Effective: Thursday, October 15, 2026'. Servus Prime 4.70% as of October 29, 2026.",
   "pageAsOf": "2026-10-15",
   "sourceUrl": "https://servus.ca/rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed Rate Closed Mortgage | 3 Year | 5.94% | 4.59%"
  },
  {
   "lender": "Servus Credit Union",
   "lenderSlug": "servus",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 3,
   "insured": "any",
   "kind": "posted",
   "rate": 5.94,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Rate' column (posted). Mortgages tab 'Effective: Thursday, October 15, 2026'. Servus Prime 4.70% as of October 29, 2026.",
   "pageAsOf": "2026-10-15",
   "sourceUrl": "https://servus.ca/rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed Rate Closed Mortgage | 3 Year | 5.94% | 4.59%"
  },
  {
   "lender": "Servus Credit Union",
   "lenderSlug": "servus",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 3,
   "insured": "any",
   "kind": "posted",
   "rate": 10.29,
   "spread": null,
   "apr": null,
   "open": true,
   "conditions": "Open. 'Rate' column. Mortgages tab 'Effective: Thursday, October 15, 2026'. Servus Prime 4.70% as of October 29, 2026.",
   "pageAsOf": "2026-10-15",
   "sourceUrl": "https://servus.ca/rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed Rate Open Mortgage | 3 Year | 10.29%"
  },
  {
   "lender": "Servus Credit Union",
   "lenderSlug": "servus",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 4,
   "insured": "any",
   "kind": "special",
   "rate": 4.69,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Special Rate' column. Footnote 1: 'Special rates are for owner occupied properties with amortization of 25 years or less and are subject to Servus lending criteria. Other conditions apply.' Mortgages tab 'Effective: Thursday, October 15, 2026'. Servus Prime 4.70% as of October 29, 2026.",
   "pageAsOf": "2026-10-15",
   "sourceUrl": "https://servus.ca/rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed Rate Closed Mortgage | 4 Year | 5.99% | 4.69%"
  },
  {
   "lender": "Servus Credit Union",
   "lenderSlug": "servus",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 4,
   "insured": "any",
   "kind": "posted",
   "rate": 5.99,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Rate' column (posted). Mortgages tab 'Effective: Thursday, October 15, 2026'. Servus Prime 4.70% as of October 29, 2026.",
   "pageAsOf": "2026-10-15",
   "sourceUrl": "https://servus.ca/rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed Rate Closed Mortgage | 4 Year | 5.99% | 4.69%"
  },
  {
   "lender": "Servus Credit Union",
   "lenderSlug": "servus",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 4,
   "insured": "any",
   "kind": "posted",
   "rate": 10.49,
   "spread": null,
   "apr": null,
   "open": true,
   "conditions": "Open. 'Rate' column. Mortgages tab 'Effective: Thursday, October 15, 2026'. Servus Prime 4.70% as of October 29, 2026.",
   "pageAsOf": "2026-10-15",
   "sourceUrl": "https://servus.ca/rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed Rate Open Mortgage | 4 Year | 10.49%"
  },
  {
   "lender": "Servus Credit Union",
   "lenderSlug": "servus",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 5,
   "insured": "insured",
   "kind": "special",
   "rate": 4.59,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Servus No Frills Mortgage. 'Special Rate' column. Footnote 1: 'Special rates are for owner occupied properties with amortization of 25 years or less and are subject to Servus lending criteria. Other conditions apply.' Mortgages tab 'Effective: Thursday, October 15, 2026'. Servus Prime 4.70% as of October 29, 2026.",
   "pageAsOf": "2026-10-15",
   "sourceUrl": "https://servus.ca/rates",
   "collectedOn": "2026-11-01",
   "quote": "Servus No Frills Mortgage | 5 Year (High Ratio) | 6.09% | 4.59%"
  },
  {
   "lender": "Servus Credit Union",
   "lenderSlug": "servus",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 5,
   "insured": "uninsured",
   "kind": "special",
   "rate": 4.64,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Servus No Frills Mortgage. 'Special Rate' column. Footnote 1: 'Special rates are for owner occupied properties with amortization of 25 years or less and are subject to Servus lending criteria. Other conditions apply.' Mortgages tab 'Effective: Thursday, October 15, 2026'. Servus Prime 4.70% as of October 29, 2026.",
   "pageAsOf": "2026-10-15",
   "sourceUrl": "https://servus.ca/rates",
   "collectedOn": "2026-11-01",
   "quote": "Servus No Frills Mortgage | 5 Year (Conventional) | 6.09% | 4.64%"
  },
  {
   "lender": "Servus Credit Union",
   "lenderSlug": "servus",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 5,
   "insured": "insured",
   "kind": "special",
   "rate": 4.69,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Special Rate' column. Footnote 1: 'Special rates are for owner occupied properties with amortization of 25 years or less and are subject to Servus lending criteria. Other conditions apply.' Mortgages tab 'Effective: Thursday, October 15, 2026'. Servus Prime 4.70% as of October 29, 2026.",
   "pageAsOf": "2026-10-15",
   "sourceUrl": "https://servus.ca/rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed Rate Closed Mortgage | 5 Year (High Ratio)¹ | 6.09% | 4.69%"
  },
  {
   "lender": "Servus Credit Union",
   "lenderSlug": "servus",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 5,
   "insured": "uninsured",
   "kind": "special",
   "rate": 4.79,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Special Rate' column. Footnote 1: 'Special rates are for owner occupied properties with amortization of 25 years or less and are subject to Servus lending criteria. Other conditions apply.' Mortgages tab 'Effective: Thursday, October 15, 2026'. Servus Prime 4.70% as of October 29, 2026.",
   "pageAsOf": "2026-10-15",
   "sourceUrl": "https://servus.ca/rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed Rate Closed Mortgage | 5 Year (Conventional)¹ | 6.09% | 4.79%"
  },
  {
   "lender": "Servus Credit Union",
   "lenderSlug": "servus",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 5,
   "insured": "uninsured",
   "kind": "posted",
   "rate": 6.09,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Rate' column (posted). Mortgages tab 'Effective: Thursday, October 15, 2026'. Servus Prime 4.70% as of October 29, 2026.",
   "pageAsOf": "2026-10-15",
   "sourceUrl": "https://servus.ca/rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed Rate Closed Mortgage | 5 Year (Conventional)¹ | 6.09% | 4.79%"
  },
  {
   "lender": "Servus Credit Union",
   "lenderSlug": "servus",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 5,
   "insured": "insured",
   "kind": "posted",
   "rate": 6.09,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Rate' column (posted). Mortgages tab 'Effective: Thursday, October 15, 2026'. Servus Prime 4.70% as of October 29, 2026.",
   "pageAsOf": "2026-10-15",
   "sourceUrl": "https://servus.ca/rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed Rate Closed Mortgage | 5 Year (High Ratio)¹ | 6.09% | 4.69%"
  },
  {
   "lender": "Servus Credit Union",
   "lenderSlug": "servus",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 5,
   "insured": "uninsured",
   "kind": "posted",
   "rate": 6.09,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Servus No Frills Mortgage. 'Rate' column. Mortgages tab 'Effective: Thursday, October 15, 2026'. Servus Prime 4.70% as of October 29, 2026.",
   "pageAsOf": "2026-10-15",
   "sourceUrl": "https://servus.ca/rates",
   "collectedOn": "2026-11-01",
   "quote": "Servus No Frills Mortgage | 5 Year (Conventional) | 6.09% | 4.64%"
  },
  {
   "lender": "Servus Credit Union",
   "lenderSlug": "servus",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 5,
   "insured": "insured",
   "kind": "posted",
   "rate": 6.09,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Servus No Frills Mortgage. 'Rate' column. Mortgages tab 'Effective: Thursday, October 15, 2026'. Servus Prime 4.70% as of October 29, 2026.",
   "pageAsOf": "2026-10-15",
   "sourceUrl": "https://servus.ca/rates",
   "collectedOn": "2026-11-01",
   "quote": "Servus No Frills Mortgage | 5 Year (High Ratio) | 6.09% | 4.59%"
  },
  {
   "lender": "Servus Credit Union",
   "lenderSlug": "servus",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 5,
   "insured": "any",
   "kind": "posted",
   "rate": 11.04,
   "spread": null,
   "apr": null,
   "open": true,
   "conditions": "Open. 'Rate' column. Mortgages tab 'Effective: Thursday, October 15, 2026'. Servus Prime 4.70% as of October 29, 2026.",
   "pageAsOf": "2026-10-15",
   "sourceUrl": "https://servus.ca/rates",
   "collectedOn": "2026-11-01",
   "quote": "Fixed Rate Open Mortgage | 5 Year | 11.04%"
  },
  {
   "lender": "Simplii Financial",
   "lenderSlug": "simplii",
   "lenderType": "digital",
   "provinces": "national",
   "product": "fixed",
   "term": 2,
   "insured": "any",
   "kind": "special",
   "rate": 4.84,
   "spread": null,
   "apr": 4.86,
   "open": false,
   "conditions": "Special rate.",
   "pageAsOf": "2026-11-02",
   "sourceUrl": "https://www.simplii.com/en/rates/mortgage-rates.html",
   "collectedOn": "2026-11-02",
   "quote": "2-year fixed | 4.84% | 4.86%"
  },
  {
   "lender": "Simplii Financial",
   "lenderSlug": "simplii",
   "lenderType": "digital",
   "provinces": "national",
   "product": "fixed",
   "term": 2,
   "insured": "any",
   "kind": "posted",
   "rate": 5.24,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "",
   "pageAsOf": "2026-11-02",
   "sourceUrl": "https://www.simplii.com/en/rates/mortgage-rates.html",
   "collectedOn": "2026-11-02",
   "quote": "2 year | 5.24%"
  },
  {
   "lender": "Simplii Financial",
   "lenderSlug": "simplii",
   "lenderType": "digital",
   "provinces": "national",
   "product": "fixed",
   "term": 3,
   "insured": "any",
   "kind": "special",
   "rate": 5.09,
   "spread": null,
   "apr": 5.11,
   "open": false,
   "conditions": "Special rate.",
   "pageAsOf": "2026-11-02",
   "sourceUrl": "https://www.simplii.com/en/rates/mortgage-rates.html",
   "collectedOn": "2026-11-02",
   "quote": "3-year fixed | 5.09% | 5.11%"
  },
  {
   "lender": "Simplii Financial",
   "lenderSlug": "simplii",
   "lenderType": "digital",
   "provinces": "national",
   "product": "fixed",
   "term": 3,
   "insured": "any",
   "kind": "posted",
   "rate": 6.14,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "",
   "pageAsOf": "2026-11-02",
   "sourceUrl": "https://www.simplii.com/en/rates/mortgage-rates.html",
   "collectedOn": "2026-11-02",
   "quote": "3 year | 6.14%"
  },
  {
   "lender": "Simplii Financial",
   "lenderSlug": "simplii",
   "lenderType": "digital",
   "provinces": "national",
   "product": "fixed",
   "term": 4,
   "insured": "any",
   "kind": "special",
   "rate": 5.24,
   "spread": null,
   "apr": 5.26,
   "open": false,
   "conditions": "Special rate.",
   "pageAsOf": "2026-11-02",
   "sourceUrl": "https://www.simplii.com/en/rates/mortgage-rates.html",
   "collectedOn": "2026-11-02",
   "quote": "4-year fixed | 5.24% | 5.26%"
  },
  {
   "lender": "Simplii Financial",
   "lenderSlug": "simplii",
   "lenderType": "digital",
   "provinces": "national",
   "product": "fixed",
   "term": 4,
   "insured": "any",
   "kind": "posted",
   "rate": 6.19,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "",
   "pageAsOf": "2026-11-02",
   "sourceUrl": "https://www.simplii.com/en/rates/mortgage-rates.html",
   "collectedOn": "2026-11-02",
   "quote": "4 year | 6.19%"
  },
  {
   "lender": "Simplii Financial",
   "lenderSlug": "simplii",
   "lenderType": "digital",
   "provinces": "national",
   "product": "fixed",
   "term": 5,
   "insured": "any",
   "kind": "special",
   "rate": 5.34,
   "spread": null,
   "apr": 5.36,
   "open": false,
   "conditions": "Special rate.",
   "pageAsOf": "2026-11-02",
   "sourceUrl": "https://www.simplii.com/en/rates/mortgage-rates.html",
   "collectedOn": "2026-11-02",
   "quote": "5-year fixed | 5.34% | 5.36%"
  },
  {
   "lender": "Simplii Financial",
   "lenderSlug": "simplii",
   "lenderType": "digital",
   "provinces": "national",
   "product": "fixed",
   "term": 5,
   "insured": "any",
   "kind": "posted",
   "rate": 6.49,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "",
   "pageAsOf": "2026-11-02",
   "sourceUrl": "https://www.simplii.com/en/rates/mortgage-rates.html",
   "collectedOn": "2026-11-02",
   "quote": "5 year | 6.49%"
  },
  {
   "lender": "Simplii Financial",
   "lenderSlug": "simplii",
   "lenderType": "digital",
   "provinces": "national",
   "product": "fixed",
   "term": 7,
   "insured": "any",
   "kind": "posted",
   "rate": 6.3,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "",
   "pageAsOf": "2026-11-02",
   "sourceUrl": "https://www.simplii.com/en/rates/mortgage-rates.html",
   "collectedOn": "2026-11-02",
   "quote": "7 year | 6.30%"
  },
  {
   "lender": "Simplii Financial",
   "lenderSlug": "simplii",
   "lenderType": "digital",
   "provinces": "national",
   "product": "fixed",
   "term": 10,
   "insured": "any",
   "kind": "posted",
   "rate": 6.79,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "",
   "pageAsOf": "2026-11-02",
   "sourceUrl": "https://www.simplii.com/en/rates/mortgage-rates.html",
   "collectedOn": "2026-11-02",
   "quote": "10 year | 6.79%"
  },
  {
   "lender": "Simplii Financial",
   "lenderSlug": "simplii",
   "lenderType": "digital",
   "provinces": "national",
   "product": "variable",
   "term": 5,
   "insured": "any",
   "kind": "special",
   "rate": 4.45,
   "spread": null,
   "apr": 4.47,
   "open": false,
   "conditions": "Special rate.",
   "pageAsOf": "2026-11-02",
   "sourceUrl": "https://www.simplii.com/en/rates/mortgage-rates.html",
   "collectedOn": "2026-11-02",
   "quote": "5-year variable | 4.45% | 4.47%"
  },
  {
   "lender": "Simplii Financial",
   "lenderSlug": "simplii",
   "lenderType": "digital",
   "provinces": "national",
   "product": "variable",
   "term": 5,
   "insured": "any",
   "kind": "posted",
   "rate": 4.7,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Variable-rate mortgage, posted.",
   "pageAsOf": "2026-11-02",
   "sourceUrl": "https://www.simplii.com/en/rates/mortgage-rates.html",
   "collectedOn": "2026-11-02",
   "quote": "5 year | 4.70% (Simplii Variable-rate mortgages – Posted rates)"
  },
  {
   "lender": "Tangerine",
   "lenderSlug": "tangerine",
   "lenderType": "digital",
   "provinces": "national",
   "product": "fixed",
   "term": 1,
   "insured": "any",
   "kind": "special",
   "rate": 5.99,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Tangerine's published rates (the page doesn't call them posted or special).",
   "pageAsOf": null,
   "sourceUrl": "https://www.tangerine.ca/en/rates/mortgage-rates",
   "collectedOn": "2026-11-02",
   "quote": "1 Year Fixed Mortgage 5.99%"
  },
  {
   "lender": "Tangerine",
   "lenderSlug": "tangerine",
   "lenderType": "digital",
   "provinces": "national",
   "product": "fixed",
   "term": 2,
   "insured": "any",
   "kind": "special",
   "rate": 5.14,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Tangerine's published rates (the page doesn't call them posted or special).",
   "pageAsOf": null,
   "sourceUrl": "https://www.tangerine.ca/en/rates/mortgage-rates",
   "collectedOn": "2026-11-02",
   "quote": "2 Year Fixed Mortgage 5.14%"
  },
  {
   "lender": "Tangerine",
   "lenderSlug": "tangerine",
   "lenderType": "digital",
   "provinces": "national",
   "product": "fixed",
   "term": 3,
   "insured": "any",
   "kind": "special",
   "rate": 4.94,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Tangerine's published rates (the page doesn't call them posted or special).",
   "pageAsOf": null,
   "sourceUrl": "https://www.tangerine.ca/en/rates/mortgage-rates",
   "collectedOn": "2026-11-02",
   "quote": "3 Year Fixed Mortgage 4.94%"
  },
  {
   "lender": "Tangerine",
   "lenderSlug": "tangerine",
   "lenderType": "digital",
   "provinces": "national",
   "product": "fixed",
   "term": 4,
   "insured": "any",
   "kind": "special",
   "rate": 5.04,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Tangerine's published rates (the page doesn't call them posted or special).",
   "pageAsOf": null,
   "sourceUrl": "https://www.tangerine.ca/en/rates/mortgage-rates",
   "collectedOn": "2026-11-02",
   "quote": "4 Year Fixed Mortgage 5.04%"
  },
  {
   "lender": "Tangerine",
   "lenderSlug": "tangerine",
   "lenderType": "digital",
   "provinces": "national",
   "product": "fixed",
   "term": 5,
   "insured": "any",
   "kind": "special",
   "rate": 5.19,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Tangerine's published rates (the page doesn't call them posted or special).",
   "pageAsOf": null,
   "sourceUrl": "https://www.tangerine.ca/en/rates/mortgage-rates",
   "collectedOn": "2026-11-02",
   "quote": "5 Year Fixed Mortgage 5.19%"
  },
  {
   "lender": "Tangerine",
   "lenderSlug": "tangerine",
   "lenderType": "digital",
   "provinces": "national",
   "product": "fixed",
   "term": 7,
   "insured": "any",
   "kind": "special",
   "rate": 5.5,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Tangerine's published rates (the page doesn't call them posted or special).",
   "pageAsOf": null,
   "sourceUrl": "https://www.tangerine.ca/en/rates/mortgage-rates",
   "collectedOn": "2026-11-02",
   "quote": "7 Year Fixed Mortgage 5.50%"
  },
  {
   "lender": "Tangerine",
   "lenderSlug": "tangerine",
   "lenderType": "digital",
   "provinces": "national",
   "product": "fixed",
   "term": 10,
   "insured": "any",
   "kind": "special",
   "rate": 5.9,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Tangerine's published rates (the page doesn't call them posted or special).",
   "pageAsOf": null,
   "sourceUrl": "https://www.tangerine.ca/en/rates/mortgage-rates",
   "collectedOn": "2026-11-02",
   "quote": "10 Year Fixed Mortgage 5.90%"
  },
  {
   "lender": "Tangerine",
   "lenderSlug": "tangerine",
   "lenderType": "digital",
   "provinces": "national",
   "product": "variable",
   "term": 5,
   "insured": "any",
   "kind": "special",
   "rate": 4.2,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "Tangerine's published rates (the page doesn't call them posted or special).",
   "pageAsOf": null,
   "sourceUrl": "https://www.tangerine.ca/en/rates/mortgage-rates",
   "collectedOn": "2026-11-02",
   "quote": "5 Year Variable Mortgage 4.20%"
  },
  {
   "lender": "TD",
   "lenderSlug": "td",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 0.5,
   "insured": "any",
   "kind": "posted",
   "rate": 5.54,
   "spread": null,
   "apr": 5.745,
   "open": false,
   "conditions": "Convertible.",
   "pageAsOf": null,
   "sourceUrl": "https://www.td.com/ca/en/personal-banking/products/mortgages/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "6 Month Convertible Mortgage Posted rate: 5.54% APR: 5.745%"
  },
  {
   "lender": "TD",
   "lenderSlug": "td",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 1,
   "insured": "any",
   "kind": "posted",
   "rate": 5.69,
   "spread": null,
   "apr": 5.792,
   "open": false,
   "conditions": "",
   "pageAsOf": null,
   "sourceUrl": "https://www.td.com/ca/en/personal-banking/products/mortgages/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "1 Year Fixed Closed Posted rate: 5.69% APR: 5.792%"
  },
  {
   "lender": "TD",
   "lenderSlug": "td",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 2,
   "insured": "any",
   "kind": "posted",
   "rate": 5.39,
   "spread": null,
   "apr": 5.442,
   "open": false,
   "conditions": "",
   "pageAsOf": null,
   "sourceUrl": "https://www.td.com/ca/en/personal-banking/products/mortgages/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "2 Year Fixed Closed Posted rate: 5.39% APR: 5.442%"
  },
  {
   "lender": "TD",
   "lenderSlug": "td",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 3,
   "insured": "any",
   "kind": "special",
   "rate": 5.24,
   "spread": null,
   "apr": 5.275,
   "open": false,
   "conditions": "Special rate discounted off the posted rate; new first-priority mortgages (TD footnote 2).",
   "pageAsOf": null,
   "sourceUrl": "https://www.td.com/ca/en/personal-banking/products/mortgages/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "3 Year Fixed Closed 5.24% (Posted Rate: 6.15%) 5.275%"
  },
  {
   "lender": "TD",
   "lenderSlug": "td",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 3,
   "insured": "any",
   "kind": "posted",
   "rate": 6.15,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "",
   "pageAsOf": null,
   "sourceUrl": "https://www.td.com/ca/en/personal-banking/products/mortgages/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "3 Year Fixed Closed Posted rate: 6.15%"
  },
  {
   "lender": "TD",
   "lenderSlug": "td",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 4,
   "insured": "any",
   "kind": "posted",
   "rate": 5.99,
   "spread": null,
   "apr": 6.016,
   "open": false,
   "conditions": "",
   "pageAsOf": null,
   "sourceUrl": "https://www.td.com/ca/en/personal-banking/products/mortgages/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "4 Year Fixed Closed Posted rate: 5.99% APR: 6.016%"
  },
  {
   "lender": "TD",
   "lenderSlug": "td",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 5,
   "insured": "any",
   "kind": "special",
   "rate": 5.39,
   "spread": null,
   "apr": 5.411,
   "open": false,
   "conditions": "Special rate discounted off the posted rate; new first-priority mortgages (TD footnote 2).",
   "pageAsOf": null,
   "sourceUrl": "https://www.td.com/ca/en/personal-banking/products/mortgages/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "5 Year Fixed Closed 5.39% (Posted Rate: 6.14%) 5.411%"
  },
  {
   "lender": "TD",
   "lenderSlug": "td",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 5,
   "insured": "insured",
   "kind": "special",
   "rate": 5.39,
   "spread": null,
   "apr": 5.411,
   "open": false,
   "conditions": "High-Ratio: less than 20% down, purchasing a residential property valued under $1,500,000 (TD footnote 4).",
   "pageAsOf": null,
   "sourceUrl": "https://www.td.com/ca/en/personal-banking/products/mortgages/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "5 Year Fixed Closed High-Ratio 5.39% (Posted Rate: 6.14%) 5.411%"
  },
  {
   "lender": "TD",
   "lenderSlug": "td",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 5,
   "insured": "any",
   "kind": "posted",
   "rate": 6.14,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "",
   "pageAsOf": null,
   "sourceUrl": "https://www.td.com/ca/en/personal-banking/products/mortgages/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "5 Year Fixed Closed Posted rate: 6.14%"
  },
  {
   "lender": "TD",
   "lenderSlug": "td",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 6,
   "insured": "any",
   "kind": "posted",
   "rate": 6.29,
   "spread": null,
   "apr": 6.308,
   "open": false,
   "conditions": "",
   "pageAsOf": null,
   "sourceUrl": "https://www.td.com/ca/en/personal-banking/products/mortgages/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "6 Year Fixed Closed Posted rate: 6.29% APR: 6.308%"
  },
  {
   "lender": "TD",
   "lenderSlug": "td",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 7,
   "insured": "any",
   "kind": "posted",
   "rate": 6.4,
   "spread": null,
   "apr": 6.416,
   "open": false,
   "conditions": "",
   "pageAsOf": null,
   "sourceUrl": "https://www.td.com/ca/en/personal-banking/products/mortgages/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "7 Year Fixed Closed Posted rate: 6.40% APR: 6.416%"
  },
  {
   "lender": "TD",
   "lenderSlug": "td",
   "lenderType": "bank",
   "provinces": "national",
   "product": "fixed",
   "term": 10,
   "insured": "any",
   "kind": "posted",
   "rate": 6.8,
   "spread": null,
   "apr": 6.811,
   "open": false,
   "conditions": "",
   "pageAsOf": null,
   "sourceUrl": "https://www.td.com/ca/en/personal-banking/products/mortgages/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "10 Year Fixed Closed Posted rate: 6.80% APR: 6.811%"
  },
  {
   "lender": "TD",
   "lenderSlug": "td",
   "lenderType": "bank",
   "provinces": "national",
   "product": "variable",
   "term": 5,
   "insured": "any",
   "kind": "special",
   "rate": 4.54,
   "spread": -0.31,
   "apr": 4.561,
   "open": false,
   "conditions": "Based on the TD Mortgage Prime Rate (4.85%).",
   "pageAsOf": null,
   "sourceUrl": "https://www.td.com/ca/en/personal-banking/products/mortgages/mortgage-rates",
   "collectedOn": "2026-11-01",
   "quote": "5 Year Variable Closed 4.54% (TD Mortgage Prime Rate 4.85% -0.31%) 4.561%"
  },
  {
   "lender": "Vancity",
   "lenderSlug": "vancity",
   "lenderType": "credit-union",
   "provinces": [],
   "product": "fixed",
   "term": 0.5,
   "insured": "any",
   "kind": "special",
   "rate": 5.49,
   "spread": null,
   "apr": 5.69,
   "open": false,
   "conditions": "Footnote ◊: new and renewing mortgages, LTV less than 75%, amortization 25 years or less, owner occupied. kind null: table is not labelled posted or special. The lender's page doesn't label this rate posted or special; shown as its advertised rate.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.vancity.com/rates/mortgages",
   "collectedOn": "2026-11-01",
   "quote": "6-month fixed-term residential | 5.49 % ◊ | 5.69 % ◊"
  },
  {
   "lender": "Vancity",
   "lenderSlug": "vancity",
   "lenderType": "credit-union",
   "provinces": [],
   "product": "fixed",
   "term": 0.5,
   "insured": "any",
   "kind": "special",
   "rate": 9.75,
   "spread": null,
   "apr": 9.95,
   "open": true,
   "conditions": "Open-term. Footnote ◊: new and renewing mortgages, LTV less than 75%, amortization 25 years or less, owner occupied. kind null: table is not labelled posted or special. The lender's page doesn't label this rate posted or special; shown as its advertised rate.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.vancity.com/rates/mortgages",
   "collectedOn": "2026-11-01",
   "quote": "6-month open-term residential | 9.75 % ◊ | 9.95 % ◊"
  },
  {
   "lender": "Vancity",
   "lenderSlug": "vancity",
   "lenderType": "credit-union",
   "provinces": [],
   "product": "fixed",
   "term": 1,
   "insured": "insured",
   "kind": "special",
   "rate": 4.35,
   "spread": null,
   "apr": 4.45,
   "open": false,
   "conditions": "Rate as of 2026-10-29. kind null: not labelled posted/special. Footnote ¤: less than 20% down, purchase price under $1,500,000, amortization 30 years or less, owner occupied, default insurance; cannot be combined with cash back offer. The lender's page doesn't label this rate posted or special; shown as its advertised rate.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.vancity.com/rates/mortgages",
   "collectedOn": "2026-11-01",
   "quote": "1-year fixed-term, fixed-rate, insured residential | 4.35 % ¤ | 4.45 % ¤"
  },
  {
   "lender": "Vancity",
   "lenderSlug": "vancity",
   "lenderType": "credit-union",
   "provinces": [],
   "product": "fixed",
   "term": 1,
   "insured": "any",
   "kind": "special",
   "rate": 4.55,
   "spread": null,
   "apr": 4.65,
   "open": false,
   "conditions": "Footnote ◊: new and renewing mortgages, LTV less than 75%, amortization 25 years or less, owner occupied. kind null: table is not labelled posted or special. The lender's page doesn't label this rate posted or special; shown as its advertised rate.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.vancity.com/rates/mortgages",
   "collectedOn": "2026-11-01",
   "quote": "1-year fixed-term residential | 4.55 % ◊ | 4.65 % ◊"
  },
  {
   "lender": "Vancity",
   "lenderSlug": "vancity",
   "lenderType": "credit-union",
   "provinces": [],
   "product": "fixed",
   "term": 1,
   "insured": "any",
   "kind": "special",
   "rate": 9.75,
   "spread": null,
   "apr": 9.85,
   "open": true,
   "conditions": "Open-term. Footnote ◊: new and renewing mortgages, LTV less than 75%, amortization 25 years or less, owner occupied. kind null: table is not labelled posted or special. The lender's page doesn't label this rate posted or special; shown as its advertised rate.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.vancity.com/rates/mortgages",
   "collectedOn": "2026-11-01",
   "quote": "1-year open-term residential | 9.75 % ◊ | 9.85 % ◊"
  },
  {
   "lender": "Vancity",
   "lenderSlug": "vancity",
   "lenderType": "credit-union",
   "provinces": [],
   "product": "fixed",
   "term": 2,
   "insured": "insured",
   "kind": "special",
   "rate": 4.55,
   "spread": null,
   "apr": 4.6,
   "open": false,
   "conditions": "Rate as of 2026-10-29. kind null: not labelled posted/special. Footnote ¤: less than 20% down, purchase price under $1,500,000, amortization 30 years or less, owner occupied, default insurance; cannot be combined with cash back offer. The lender's page doesn't label this rate posted or special; shown as its advertised rate.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.vancity.com/rates/mortgages",
   "collectedOn": "2026-11-01",
   "quote": "2-year fixed-term, fixed-rate, insured residential | 4.55 % ¤ | 4.60 % ¤"
  },
  {
   "lender": "Vancity",
   "lenderSlug": "vancity",
   "lenderType": "credit-union",
   "provinces": [],
   "product": "fixed",
   "term": 2,
   "insured": "any",
   "kind": "special",
   "rate": 4.65,
   "spread": null,
   "apr": 4.7,
   "open": false,
   "conditions": "Footnote ◊: new and renewing mortgages, LTV less than 75%, amortization 25 years or less, owner occupied. kind null: table is not labelled posted or special. The lender's page doesn't label this rate posted or special; shown as its advertised rate.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.vancity.com/rates/mortgages",
   "collectedOn": "2026-11-01",
   "quote": "2-year fixed-term residential | 4.65 % ◊ | 4.70 % ◊"
  },
  {
   "lender": "Vancity",
   "lenderSlug": "vancity",
   "lenderType": "credit-union",
   "provinces": [],
   "product": "fixed",
   "term": 2,
   "insured": "any",
   "kind": "special",
   "rate": 5.65,
   "spread": null,
   "apr": 5.7,
   "open": true,
   "conditions": "Open-term. Footnote ◊: new and renewing mortgages, LTV less than 75%, amortization 25 years or less, owner occupied. kind null: table is not labelled posted or special. The lender's page doesn't label this rate posted or special; shown as its advertised rate.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.vancity.com/rates/mortgages",
   "collectedOn": "2026-11-01",
   "quote": "2-year open-term residential | 5.65 % ◊ | 5.70 % ◊"
  },
  {
   "lender": "Vancity",
   "lenderSlug": "vancity",
   "lenderType": "credit-union",
   "provinces": [],
   "product": "fixed",
   "term": 3,
   "insured": "insured",
   "kind": "special",
   "rate": 4.7,
   "spread": null,
   "apr": 4.73,
   "open": false,
   "conditions": "Rate as of 2026-10-29. kind null: not labelled posted/special. Footnote ¤: less than 20% down, purchase price under $1,500,000, amortization 30 years or less, owner occupied, default insurance; cannot be combined with cash back offer. The lender's page doesn't label this rate posted or special; shown as its advertised rate.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.vancity.com/rates/mortgages",
   "collectedOn": "2026-11-01",
   "quote": "3-year fixed-term, fixed-rate, insured residential | 4.70 % ¤ | 4.73 % ¤"
  },
  {
   "lender": "Vancity",
   "lenderSlug": "vancity",
   "lenderType": "credit-union",
   "provinces": [],
   "product": "fixed",
   "term": 3,
   "insured": "uninsured",
   "kind": "special",
   "rate": 4.75,
   "spread": null,
   "apr": 4.78,
   "open": false,
   "conditions": "Footnote **: 20% or greater down payment, owner-occupied purchase, price under $1,000,000, amortization 25 years or less.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.vancity.com/rates/mortgages",
   "collectedOn": "2026-11-01",
   "quote": "3-year fixed-term, fixed-rate (special offer) | 4.75 % ** | 4.78 % **"
  },
  {
   "lender": "Vancity",
   "lenderSlug": "vancity",
   "lenderType": "credit-union",
   "provinces": [],
   "product": "fixed",
   "term": 3,
   "insured": "any",
   "kind": "special",
   "rate": 4.8,
   "spread": null,
   "apr": 4.83,
   "open": false,
   "conditions": "Footnote ◊: new and renewing mortgages, LTV less than 75%, amortization 25 years or less, owner occupied. kind null: table is not labelled posted or special. Footnote α: limited time offer; cannot be combined with renewal discounts or Exclusive Rate Discounts. The lender's page doesn't label this rate posted or special; shown as its advertised rate.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.vancity.com/rates/mortgages",
   "collectedOn": "2026-11-01",
   "quote": "3-year fixed-term residential | 4.80 % ◊,α | 4.83 % ◊,α"
  },
  {
   "lender": "Vancity",
   "lenderSlug": "vancity",
   "lenderType": "credit-union",
   "provinces": [],
   "product": "fixed",
   "term": 3,
   "insured": "any",
   "kind": "special",
   "rate": 5.38,
   "spread": null,
   "apr": 5.41,
   "open": true,
   "conditions": "Open-term. Footnote θ: Vancity FlexPath Mortgage for members outside conventional lending policy; LTV < 75%, amortization 30 years or less; rate may be higher by credit profile. kind null. The lender's page doesn't label this rate posted or special; shown as its advertised rate.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.vancity.com/rates/mortgages",
   "collectedOn": "2026-11-01",
   "quote": "3-year open-term residential | 5.38 % θ | 5.41 % θ"
  },
  {
   "lender": "Vancity",
   "lenderSlug": "vancity",
   "lenderType": "credit-union",
   "provinces": [],
   "product": "fixed",
   "term": 4,
   "insured": "insured",
   "kind": "special",
   "rate": 4.74,
   "spread": null,
   "apr": 4.76,
   "open": false,
   "conditions": "Rate as of 2026-10-29. kind null: not labelled posted/special. Footnote ¤: less than 20% down, purchase price under $1,500,000, amortization 30 years or less, owner occupied, default insurance; cannot be combined with cash back offer. The lender's page doesn't label this rate posted or special; shown as its advertised rate.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.vancity.com/rates/mortgages",
   "collectedOn": "2026-11-01",
   "quote": "4-year fixed-term, fixed-rate, insured residential | 4.74 % ¤ | 4.76 % ¤"
  },
  {
   "lender": "Vancity",
   "lenderSlug": "vancity",
   "lenderType": "credit-union",
   "provinces": [],
   "product": "fixed",
   "term": 4,
   "insured": "uninsured",
   "kind": "special",
   "rate": 4.79,
   "spread": null,
   "apr": 4.82,
   "open": false,
   "conditions": "Footnote **: 20% or greater down payment, owner-occupied purchase, price under $1,000,000, amortization 25 years or less.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.vancity.com/rates/mortgages",
   "collectedOn": "2026-11-01",
   "quote": "4-year fixed-term, fixed-rate (special offer) | 4.79 % ** | 4.82 % **"
  },
  {
   "lender": "Vancity",
   "lenderSlug": "vancity",
   "lenderType": "credit-union",
   "provinces": [],
   "product": "fixed",
   "term": 4,
   "insured": "any",
   "kind": "special",
   "rate": 4.84,
   "spread": null,
   "apr": 4.87,
   "open": false,
   "conditions": "Footnote ◊: new and renewing mortgages, LTV less than 75%, amortization 25 years or less, owner occupied. kind null: table is not labelled posted or special. Footnote α: limited time offer; cannot be combined with renewal discounts or Exclusive Rate Discounts. The lender's page doesn't label this rate posted or special; shown as its advertised rate.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.vancity.com/rates/mortgages",
   "collectedOn": "2026-11-01",
   "quote": "4-year fixed-term residential | 4.84 % ◊,α | 4.87 % ◊,α"
  },
  {
   "lender": "Vancity",
   "lenderSlug": "vancity",
   "lenderType": "credit-union",
   "provinces": [],
   "product": "fixed",
   "term": 5,
   "insured": "insured",
   "kind": "special",
   "rate": 4.79,
   "spread": null,
   "apr": 4.81,
   "open": false,
   "conditions": "Rate as of 2026-10-29. kind null: not labelled posted/special. Footnote ¤: less than 20% down, purchase price under $1,500,000, amortization 30 years or less, owner occupied, default insurance; cannot be combined with cash back offer. The lender's page doesn't label this rate posted or special; shown as its advertised rate.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.vancity.com/rates/mortgages",
   "collectedOn": "2026-11-01",
   "quote": "5-year fixed-term, fixed-rate, insured residential | 4.79 % ¤ | 4.81 % ¤"
  },
  {
   "lender": "Vancity",
   "lenderSlug": "vancity",
   "lenderType": "credit-union",
   "provinces": [],
   "product": "fixed",
   "term": 5,
   "insured": "uninsured",
   "kind": "special",
   "rate": 4.84,
   "spread": null,
   "apr": 4.86,
   "open": false,
   "conditions": "Footnote **: 20% or greater down payment, owner-occupied purchase, price under $1,000,000, amortization 25 years or less.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.vancity.com/rates/mortgages",
   "collectedOn": "2026-11-01",
   "quote": "5-year fixed-term, fixed-rate (special offer) | 4.84 % ** | 4.86 % **"
  },
  {
   "lender": "Vancity",
   "lenderSlug": "vancity",
   "lenderType": "credit-union",
   "provinces": [],
   "product": "fixed",
   "term": 5,
   "insured": "any",
   "kind": "special",
   "rate": 4.89,
   "spread": null,
   "apr": 4.91,
   "open": false,
   "conditions": "Footnote ◊: new and renewing mortgages, LTV less than 75%, amortization 25 years or less, owner occupied. kind null: table is not labelled posted or special. The lender's page doesn't label this rate posted or special; shown as its advertised rate.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.vancity.com/rates/mortgages",
   "collectedOn": "2026-11-01",
   "quote": "5-year fixed-term residential | 4.89 % ◊ | 4.91 % ◊"
  },
  {
   "lender": "Vancity",
   "lenderSlug": "vancity",
   "lenderType": "credit-union",
   "provinces": [],
   "product": "fixed",
   "term": 5,
   "insured": "any",
   "kind": "special",
   "rate": 5.89,
   "spread": null,
   "apr": 5.91,
   "open": true,
   "conditions": "Open-term. Footnote ◊: new and renewing mortgages, LTV less than 75%, amortization 25 years or less, owner occupied. kind null: table is not labelled posted or special. The lender's page doesn't label this rate posted or special; shown as its advertised rate.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.vancity.com/rates/mortgages",
   "collectedOn": "2026-11-01",
   "quote": "5-year open-term residential | 5.89 % ◊ | 5.91 % ◊"
  },
  {
   "lender": "Vancity",
   "lenderSlug": "vancity",
   "lenderType": "credit-union",
   "provinces": [],
   "product": "fixed",
   "term": 7,
   "insured": "any",
   "kind": "special",
   "rate": 4.97,
   "spread": null,
   "apr": 4.98,
   "open": false,
   "conditions": "Footnote ◊: new and renewing mortgages, LTV less than 75%, amortization 25 years or less, owner occupied. kind null: table is not labelled posted or special. The lender's page doesn't label this rate posted or special; shown as its advertised rate.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.vancity.com/rates/mortgages",
   "collectedOn": "2026-11-01",
   "quote": "7-year fixed-term residential | 4.97 % ◊ | 4.98 % ◊"
  },
  {
   "lender": "Vancity",
   "lenderSlug": "vancity",
   "lenderType": "credit-union",
   "provinces": [],
   "product": "fixed",
   "term": 10,
   "insured": "any",
   "kind": "special",
   "rate": 5.29,
   "spread": null,
   "apr": 5.3,
   "open": false,
   "conditions": "Footnote ◊: new and renewing mortgages, LTV less than 75%, amortization 25 years or less, owner occupied. kind null: table is not labelled posted or special. The lender's page doesn't label this rate posted or special; shown as its advertised rate.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.vancity.com/rates/mortgages",
   "collectedOn": "2026-11-01",
   "quote": "10-year fixed-term residential | 5.29 % ◊ | 5.30 % ◊"
  },
  {
   "lender": "Vancity",
   "lenderSlug": "vancity",
   "lenderType": "credit-union",
   "provinces": [],
   "product": "variable",
   "term": 5,
   "insured": "any",
   "kind": "special",
   "rate": 4.2,
   "spread": -0.5,
   "apr": 4.22,
   "open": false,
   "conditions": "'Homeprime rate††: 4.70 %' effective October 29, 2026. Footnote ◊: new and renewing mortgages, LTV less than 75%, amortization 25 years or less, owner occupied. kind null: table is not labelled posted or special. The lender's page doesn't label this rate posted or special; shown as its advertised rate.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.vancity.com/rates/mortgages",
   "collectedOn": "2026-11-01",
   "quote": "5-year variable rate, fixed-term (Vancity homeprime rate - 0.50 % )†† | 4.20 % ◊ | 4.22 % ◊"
  },
  {
   "lender": "Vancity",
   "lenderSlug": "vancity",
   "lenderType": "credit-union",
   "provinces": [],
   "product": "variable",
   "term": 5,
   "insured": "any",
   "kind": "special",
   "rate": 8,
   "spread": 3.3,
   "apr": 8.02,
   "open": true,
   "conditions": "Open-term. 'Homeprime rate††: 4.70 %'. Footnote ◊: new and renewing mortgages, LTV less than 75%, amortization 25 years or less, owner occupied. kind null: table is not labelled posted or special. The lender's page doesn't label this rate posted or special; shown as its advertised rate.",
   "pageAsOf": "2026-10-29",
   "sourceUrl": "https://www.vancity.com/rates/mortgages",
   "collectedOn": "2026-11-01",
   "quote": "5-year variable rate, open-term (Vancity homeprime rate + 3.30 % )†† | 8.00 % ◊ | 8.02 % ◊"
  },
  {
   "lender": "Vision Credit Union",
   "lenderSlug": "vision",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 1,
   "insured": "any",
   "kind": "posted",
   "rate": 5.24,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Posted Rates' column. Page also shows 'Potential Profit Share Rate' 3.93% for this term - an illustrative after-profit-share figure, NOT a contract rate, so not recorded as a separate row. '* rates and conditions are subject to change without notice.' Closed/open not stated (assumed closed).",
   "pageAsOf": "2026-09-29",
   "sourceUrl": "https://www.visioncu.ca/en/rates",
   "collectedOn": "2026-11-01",
   "quote": "Mortgage Rates - Fixed (Effective Sept. 29, 2026) | Term | Posted Rates | Potential Profit Share Rate | 1 Year | 5.24% | 3.93%"
  },
  {
   "lender": "Vision Credit Union",
   "lenderSlug": "vision",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 2,
   "insured": "any",
   "kind": "posted",
   "rate": 5.24,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Posted Rates' column. Page also shows 'Potential Profit Share Rate' 3.93% for this term - an illustrative after-profit-share figure, NOT a contract rate, so not recorded as a separate row. '* rates and conditions are subject to change without notice.' Closed/open not stated (assumed closed).",
   "pageAsOf": "2026-09-29",
   "sourceUrl": "https://www.visioncu.ca/en/rates",
   "collectedOn": "2026-11-01",
   "quote": "Mortgage Rates - Fixed (Effective Sept. 29, 2026) | Term | Posted Rates | Potential Profit Share Rate | 2 Year | 5.24% | 3.93%"
  },
  {
   "lender": "Vision Credit Union",
   "lenderSlug": "vision",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 3,
   "insured": "any",
   "kind": "posted",
   "rate": 5.24,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Posted Rates' column. Page also shows 'Potential Profit Share Rate' 3.93% for this term - an illustrative after-profit-share figure, NOT a contract rate, so not recorded as a separate row. '* rates and conditions are subject to change without notice.' Closed/open not stated (assumed closed).",
   "pageAsOf": "2026-09-29",
   "sourceUrl": "https://www.visioncu.ca/en/rates",
   "collectedOn": "2026-11-01",
   "quote": "Mortgage Rates - Fixed (Effective Sept. 29, 2026) | Term | Posted Rates | Potential Profit Share Rate | 3 Year | 5.24% | 3.93%"
  },
  {
   "lender": "Vision Credit Union",
   "lenderSlug": "vision",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 4,
   "insured": "any",
   "kind": "posted",
   "rate": 5.49,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Posted Rates' column. Page also shows 'Potential Profit Share Rate' 4.12% for this term - an illustrative after-profit-share figure, NOT a contract rate, so not recorded as a separate row. '* rates and conditions are subject to change without notice.' Closed/open not stated (assumed closed).",
   "pageAsOf": "2026-09-29",
   "sourceUrl": "https://www.visioncu.ca/en/rates",
   "collectedOn": "2026-11-01",
   "quote": "Mortgage Rates - Fixed (Effective Sept. 29, 2026) | Term | Posted Rates | Potential Profit Share Rate | 4 Year | 5.49% | 4.12%"
  },
  {
   "lender": "Vision Credit Union",
   "lenderSlug": "vision",
   "lenderType": "credit-union",
   "provinces": [
    "AB"
   ],
   "product": "fixed",
   "term": 5,
   "insured": "any",
   "kind": "posted",
   "rate": 5.74,
   "spread": null,
   "apr": null,
   "open": false,
   "conditions": "'Posted Rates' column. Page also shows 'Potential Profit Share Rate' 4.31% for this term - an illustrative after-profit-share figure, NOT a contract rate, so not recorded as a separate row. '* rates and conditions are subject to change without notice.' Closed/open not stated (assumed closed).",
   "pageAsOf": "2026-09-29",
   "sourceUrl": "https://www.visioncu.ca/en/rates",
   "collectedOn": "2026-11-01",
   "quote": "Mortgage Rates - Fixed (Effective Sept. 29, 2026) | Term | Posted Rates | Potential Profit Share Rate | 5 Year | 5.74% | 4.31%"
  }
 ],
 "notCollected": [
  {
   "lender": "Coast Capital Savings",
   "reason": "The site timed out for direct downloads and could only be read through a summarizing tool, so its rates are held back until a direct read confirms them.",
   "url": "https://www.coastcapitalsavings.com/rates/mortgages"
  },
  {
   "lender": "Connect First Credit Union",
   "reason": "Merged into Servus Credit Union (connectfirstcu.com redirects to servus.ca); see Servus."
  },
  {
   "lender": "MCAP",
   "reason": "Publishes only its prime rate (4.70%, effective October 29, 2026); mortgage rates are available through brokers.",
   "url": "https://www.mcap.com/"
  },
  {
   "lender": "Vermilion Credit Union",
   "reason": "Publishes no residential mortgage rates."
  },
  {
   "lender": "Rocky Credit Union and Lake View Credit Union",
   "reason": "Their sites didn't respond on the collection date."
  },
  {
   "lender": "Desjardins",
   "reason": "Its mortgage-rates page had moved (error page) when we tried on November 2, 2026; Desjardins lends mainly in Quebec and Ontario.",
   "url": "https://www.desjardins.com/"
  },
  {
   "lender": "EQ Bank, Manulife Bank and Laurentian Bank",
   "reason": "Their pages didn't show readable residential mortgage rates when we tried (rates loaded by script, blocked, or sold through brokers)."
  }
 ],
 "lowest": {
  "AB": {
   "1": {
    "fixed": {
     "insured": {
      "rate": 4.74,
      "lender": "Christian Credit Union",
      "lenderSlug": "christian",
      "sourceUrl": "https://www.christiancu.ca/en/rates",
      "updated": "2026-11-01"
     },
     "insurable": {
      "rate": 4.74,
      "lender": "Christian Credit Union",
      "lenderSlug": "christian",
      "sourceUrl": "https://www.christiancu.ca/en/rates",
      "updated": "2026-11-01"
     },
     "uninsurable": {
      "rate": 4.74,
      "lender": "Christian Credit Union",
      "lenderSlug": "christian",
      "sourceUrl": "https://www.christiancu.ca/en/rates",
      "updated": "2026-11-01"
     }
    }
   },
   "2": {
    "fixed": {
     "insured": {
      "rate": 4.39,
      "lender": "Lakeland Credit Union",
      "lenderSlug": "lakeland",
      "sourceUrl": "https://www.lakelandcreditunion.com/en/personal/mortgages#Rates",
      "updated": "2026-11-01"
     },
     "insurable": {
      "rate": 4.54,
      "lender": "Bow Valley Credit Union",
      "lenderSlug": "bow-valley",
      "sourceUrl": "https://www.bowvalleycu.com/en/rates",
      "updated": "2026-11-01"
     },
     "uninsurable": {
      "rate": 4.49,
      "lender": "Lakeland Credit Union",
      "lenderSlug": "lakeland",
      "sourceUrl": "https://www.lakelandcreditunion.com/en/personal/mortgages#Rates",
      "updated": "2026-11-01"
     }
    }
   },
   "3": {
    "fixed": {
     "insured": {
      "rate": 4.19,
      "lender": "Lakeland Credit Union",
      "lenderSlug": "lakeland",
      "sourceUrl": "https://www.lakelandcreditunion.com/en/personal/mortgages#Rates",
      "updated": "2026-11-01"
     },
     "uninsurable": {
      "rate": 4.49,
      "lender": "Bow Valley Credit Union",
      "lenderSlug": "bow-valley",
      "sourceUrl": "https://www.bowvalleycu.com/en/rates",
      "updated": "2026-11-01"
     },
     "insurable": {
      "rate": 4.49,
      "lender": "Bow Valley Credit Union",
      "lenderSlug": "bow-valley",
      "sourceUrl": "https://www.bowvalleycu.com/en/rates",
      "updated": "2026-11-01"
     }
    },
    "variable": {
     "insured": {
      "rate": 3.85,
      "lender": "nesto",
      "lenderSlug": "nesto",
      "sourceUrl": "https://www.nesto.ca/mortgage-rates/",
      "updated": "2026-11-01"
     },
     "insurable": {
      "rate": 4.4,
      "lender": "CIBC",
      "lenderSlug": "cibc",
      "sourceUrl": "https://www.cibc.com/en/interest-rates/mortgage-rates.html",
      "updated": "2026-11-01"
     },
     "uninsurable": {
      "rate": 4.4,
      "lender": "CIBC",
      "lenderSlug": "cibc",
      "sourceUrl": "https://www.cibc.com/en/interest-rates/mortgage-rates.html",
      "updated": "2026-11-01"
     }
    }
   },
   "4": {
    "fixed": {
     "insured": {
      "rate": 4.29,
      "lender": "Lakeland Credit Union",
      "lenderSlug": "lakeland",
      "sourceUrl": "https://www.lakelandcreditunion.com/en/personal/mortgages#Rates",
      "updated": "2026-11-01"
     },
     "uninsurable": {
      "rate": 4.59,
      "lender": "Lakeland Credit Union",
      "lenderSlug": "lakeland",
      "sourceUrl": "https://www.lakelandcreditunion.com/en/personal/mortgages#Rates",
      "updated": "2026-11-01"
     },
     "insurable": {
      "rate": 4.62,
      "lender": "Bow Valley Credit Union",
      "lenderSlug": "bow-valley",
      "sourceUrl": "https://www.bowvalleycu.com/en/rates",
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     }
    }
   },
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      "lenderSlug": "atb",
      "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
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     },
     "uninsurable": {
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      "lender": "ATB Financial",
      "lenderSlug": "atb",
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      "updated": "2026-11-01"
     },
     "insurable": {
      "rate": 4.59,
      "lender": "Bow Valley Credit Union",
      "lenderSlug": "bow-valley",
      "sourceUrl": "https://www.bowvalleycu.com/en/rates",
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     }
    },
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     "insured": {
      "rate": 3.66,
      "lender": "nesto",
      "lenderSlug": "nesto",
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      "updated": "2026-11-01"
     },
     "insurable": {
      "rate": 4.05,
      "lender": "ATB Financial",
      "lenderSlug": "atb",
      "sourceUrl": "https://www.atb.com/resources/rates/mortgage-rates/",
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     },
     "uninsurable": {
      "rate": 3.95,
      "lender": "Lakeland Credit Union",
      "lenderSlug": "lakeland",
      "sourceUrl": "https://www.lakelandcreditunion.com/en/personal/mortgages#Rates",
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     }
    }
   },
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    "fixed": {
     "insured": {
      "rate": 5.25,
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      "lenderSlug": "rbc",
      "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
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     },
     "insurable": {
      "rate": 5.25,
      "lender": "RBC Royal Bank",
      "lenderSlug": "rbc",
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     },
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      "lender": "RBC Royal Bank",
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     }
    }
   },
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      "lenderSlug": "tangerine",
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     },
     "insurable": {
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      "lender": "Tangerine",
      "lenderSlug": "tangerine",
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     },
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      "lender": "Tangerine",
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    }
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     },
     "insurable": {
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     },
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      "lender": "Simplii Financial",
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      "lender": "BMO",
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      "lender": "BMO",
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    },
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     },
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      "lender": "CIBC",
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      "lenderSlug": "rbc",
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   },
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     "insurable": {
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      "lender": "BMO",
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     "insurable": {
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    }
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    }
   },
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    }
   },
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      "lender": "RBC Royal Bank",
      "lenderSlug": "rbc",
      "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
      "updated": "2026-11-01"
     },
     "uninsurable": {
      "rate": 5.04,
      "lender": "RBC Royal Bank",
      "lenderSlug": "rbc",
      "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
      "updated": "2026-11-01"
     }
    }
   },
   "5": {
    "fixed": {
     "insured": {
      "rate": 4.69,
      "lender": "National Bank",
      "lenderSlug": "national-bank",
      "sourceUrl": "https://www.nbc.ca/personal/mortgages/rates.html",
      "updated": "2026-11-02"
     },
     "insurable": {
      "rate": 5.14,
      "lender": "BMO",
      "lenderSlug": "bmo",
      "sourceUrl": "https://www.bmo.com/en-ca/main/personal/mortgages/mortgage-rates/",
      "updated": "2026-11-02"
     },
     "uninsurable": {
      "rate": 5.14,
      "lender": "BMO",
      "lenderSlug": "bmo",
      "sourceUrl": "https://www.bmo.com/en-ca/main/personal/mortgages/mortgage-rates/",
      "updated": "2026-11-02"
     }
    },
    "variable": {
     "insured": {
      "rate": 4.1,
      "lender": "RBC Royal Bank",
      "lenderSlug": "rbc",
      "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
      "updated": "2026-11-01"
     },
     "insurable": {
      "rate": 4.2,
      "lender": "Tangerine",
      "lenderSlug": "tangerine",
      "sourceUrl": "https://www.tangerine.ca/en/rates/mortgage-rates",
      "updated": "2026-11-02"
     },
     "uninsurable": {
      "rate": 4.2,
      "lender": "Tangerine",
      "lenderSlug": "tangerine",
      "sourceUrl": "https://www.tangerine.ca/en/rates/mortgage-rates",
      "updated": "2026-11-02"
     }
    }
   },
   "7": {
    "fixed": {
     "insured": {
      "rate": 5.25,
      "lender": "RBC Royal Bank",
      "lenderSlug": "rbc",
      "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
      "updated": "2026-11-01"
     },
     "insurable": {
      "rate": 5.25,
      "lender": "RBC Royal Bank",
      "lenderSlug": "rbc",
      "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
      "updated": "2026-11-01"
     },
     "uninsurable": {
      "rate": 5.25,
      "lender": "RBC Royal Bank",
      "lenderSlug": "rbc",
      "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
      "updated": "2026-11-01"
     }
    }
   },
   "10": {
    "fixed": {
     "insured": {
      "rate": 5.9,
      "lender": "Tangerine",
      "lenderSlug": "tangerine",
      "sourceUrl": "https://www.tangerine.ca/en/rates/mortgage-rates",
      "updated": "2026-11-02"
     },
     "insurable": {
      "rate": 5.9,
      "lender": "Tangerine",
      "lenderSlug": "tangerine",
      "sourceUrl": "https://www.tangerine.ca/en/rates/mortgage-rates",
      "updated": "2026-11-02"
     },
     "uninsurable": {
      "rate": 5.9,
      "lender": "Tangerine",
      "lenderSlug": "tangerine",
      "sourceUrl": "https://www.tangerine.ca/en/rates/mortgage-rates",
      "updated": "2026-11-02"
     }
    }
   }
  },
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     "insured": {
      "rate": 5.14,
      "lender": "RBC Royal Bank",
      "lenderSlug": "rbc",
      "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
      "updated": "2026-11-01"
     },
     "insurable": {
      "rate": 5.14,
      "lender": "RBC Royal Bank",
      "lenderSlug": "rbc",
      "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
      "updated": "2026-11-01"
     },
     "uninsurable": {
      "rate": 5.14,
      "lender": "RBC Royal Bank",
      "lenderSlug": "rbc",
      "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
      "updated": "2026-11-01"
     }
    }
   },
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    "fixed": {
     "insured": {
      "rate": 4.84,
      "lender": "Simplii Financial",
      "lenderSlug": "simplii",
      "sourceUrl": "https://www.simplii.com/en/rates/mortgage-rates.html",
      "updated": "2026-11-02"
     },
     "insurable": {
      "rate": 4.84,
      "lender": "Simplii Financial",
      "lenderSlug": "simplii",
      "sourceUrl": "https://www.simplii.com/en/rates/mortgage-rates.html",
      "updated": "2026-11-02"
     },
     "uninsurable": {
      "rate": 4.84,
      "lender": "Simplii Financial",
      "lenderSlug": "simplii",
      "sourceUrl": "https://www.simplii.com/en/rates/mortgage-rates.html",
      "updated": "2026-11-02"
     }
    }
   },
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    "fixed": {
     "insured": {
      "rate": 4.94,
      "lender": "BMO",
      "lenderSlug": "bmo",
      "sourceUrl": "https://www.bmo.com/en-ca/main/personal/mortgages/mortgage-rates/",
      "updated": "2026-11-02"
     },
     "insurable": {
      "rate": 4.94,
      "lender": "BMO",
      "lenderSlug": "bmo",
      "sourceUrl": "https://www.bmo.com/en-ca/main/personal/mortgages/mortgage-rates/",
      "updated": "2026-11-02"
     },
     "uninsurable": {
      "rate": 4.94,
      "lender": "BMO",
      "lenderSlug": "bmo",
      "sourceUrl": "https://www.bmo.com/en-ca/main/personal/mortgages/mortgage-rates/",
      "updated": "2026-11-02"
     }
    },
    "variable": {
     "insured": {
      "rate": 4.4,
      "lender": "CIBC",
      "lenderSlug": "cibc",
      "sourceUrl": "https://www.cibc.com/en/interest-rates/mortgage-rates.html",
      "updated": "2026-11-01"
     },
     "insurable": {
      "rate": 4.4,
      "lender": "CIBC",
      "lenderSlug": "cibc",
      "sourceUrl": "https://www.cibc.com/en/interest-rates/mortgage-rates.html",
      "updated": "2026-11-01"
     },
     "uninsurable": {
      "rate": 4.4,
      "lender": "CIBC",
      "lenderSlug": "cibc",
      "sourceUrl": "https://www.cibc.com/en/interest-rates/mortgage-rates.html",
      "updated": "2026-11-01"
     }
    }
   },
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    "fixed": {
     "insured": {
      "rate": 5.04,
      "lender": "RBC Royal Bank",
      "lenderSlug": "rbc",
      "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
      "updated": "2026-11-01"
     },
     "insurable": {
      "rate": 5.04,
      "lender": "RBC Royal Bank",
      "lenderSlug": "rbc",
      "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
      "updated": "2026-11-01"
     },
     "uninsurable": {
      "rate": 5.04,
      "lender": "RBC Royal Bank",
      "lenderSlug": "rbc",
      "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
      "updated": "2026-11-01"
     }
    }
   },
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    "fixed": {
     "insured": {
      "rate": 4.69,
      "lender": "National Bank",
      "lenderSlug": "national-bank",
      "sourceUrl": "https://www.nbc.ca/personal/mortgages/rates.html",
      "updated": "2026-11-02"
     },
     "insurable": {
      "rate": 5.14,
      "lender": "BMO",
      "lenderSlug": "bmo",
      "sourceUrl": "https://www.bmo.com/en-ca/main/personal/mortgages/mortgage-rates/",
      "updated": "2026-11-02"
     },
     "uninsurable": {
      "rate": 5.14,
      "lender": "BMO",
      "lenderSlug": "bmo",
      "sourceUrl": "https://www.bmo.com/en-ca/main/personal/mortgages/mortgage-rates/",
      "updated": "2026-11-02"
     }
    },
    "variable": {
     "insured": {
      "rate": 4.1,
      "lender": "RBC Royal Bank",
      "lenderSlug": "rbc",
      "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
      "updated": "2026-11-01"
     },
     "insurable": {
      "rate": 4.2,
      "lender": "Tangerine",
      "lenderSlug": "tangerine",
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     },
     "uninsurable": {
      "rate": 4.2,
      "lender": "Tangerine",
      "lenderSlug": "tangerine",
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     }
    }
   },
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      "lenderSlug": "rbc",
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     },
     "insurable": {
      "rate": 5.25,
      "lender": "RBC Royal Bank",
      "lenderSlug": "rbc",
      "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
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     },
     "uninsurable": {
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      "lenderSlug": "rbc",
      "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
      "updated": "2026-11-01"
     }
    }
   },
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    "fixed": {
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      "lenderSlug": "tangerine",
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      "updated": "2026-11-02"
     },
     "insurable": {
      "rate": 5.9,
      "lender": "Tangerine",
      "lenderSlug": "tangerine",
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     },
     "uninsurable": {
      "rate": 5.9,
      "lender": "Tangerine",
      "lenderSlug": "tangerine",
      "sourceUrl": "https://www.tangerine.ca/en/rates/mortgage-rates",
      "updated": "2026-11-02"
     }
    }
   }
  },
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      "lender": "RBC Royal Bank",
      "lenderSlug": "rbc",
      "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
      "updated": "2026-11-01"
     },
     "insurable": {
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      "lender": "RBC Royal Bank",
      "lenderSlug": "rbc",
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     },
     "uninsurable": {
      "rate": 5.14,
      "lender": "RBC Royal Bank",
      "lenderSlug": "rbc",
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      "updated": "2026-11-01"
     }
    }
   },
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     },
     "insurable": {
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      "lender": "Simplii Financial",
      "lenderSlug": "simplii",
      "sourceUrl": "https://www.simplii.com/en/rates/mortgage-rates.html",
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     },
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      "lender": "Simplii Financial",
      "lenderSlug": "simplii",
      "sourceUrl": "https://www.simplii.com/en/rates/mortgage-rates.html",
      "updated": "2026-11-02"
     }
    }
   },
   "3": {
    "fixed": {
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      "lender": "BMO",
      "lenderSlug": "bmo",
      "sourceUrl": "https://www.bmo.com/en-ca/main/personal/mortgages/mortgage-rates/",
      "updated": "2026-11-02"
     },
     "insurable": {
      "rate": 4.94,
      "lender": "BMO",
      "lenderSlug": "bmo",
      "sourceUrl": "https://www.bmo.com/en-ca/main/personal/mortgages/mortgage-rates/",
      "updated": "2026-11-02"
     },
     "uninsurable": {
      "rate": 4.94,
      "lender": "BMO",
      "lenderSlug": "bmo",
      "sourceUrl": "https://www.bmo.com/en-ca/main/personal/mortgages/mortgage-rates/",
      "updated": "2026-11-02"
     }
    },
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     "insured": {
      "rate": 4.4,
      "lender": "CIBC",
      "lenderSlug": "cibc",
      "sourceUrl": "https://www.cibc.com/en/interest-rates/mortgage-rates.html",
      "updated": "2026-11-01"
     },
     "insurable": {
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      "lender": "CIBC",
      "lenderSlug": "cibc",
      "sourceUrl": "https://www.cibc.com/en/interest-rates/mortgage-rates.html",
      "updated": "2026-11-01"
     },
     "uninsurable": {
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      "lender": "CIBC",
      "lenderSlug": "cibc",
      "sourceUrl": "https://www.cibc.com/en/interest-rates/mortgage-rates.html",
      "updated": "2026-11-01"
     }
    }
   },
   "4": {
    "fixed": {
     "insured": {
      "rate": 5.04,
      "lender": "RBC Royal Bank",
      "lenderSlug": "rbc",
      "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
      "updated": "2026-11-01"
     },
     "insurable": {
      "rate": 5.04,
      "lender": "RBC Royal Bank",
      "lenderSlug": "rbc",
      "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
      "updated": "2026-11-01"
     },
     "uninsurable": {
      "rate": 5.04,
      "lender": "RBC Royal Bank",
      "lenderSlug": "rbc",
      "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
      "updated": "2026-11-01"
     }
    }
   },
   "5": {
    "fixed": {
     "insured": {
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      "lender": "National Bank",
      "lenderSlug": "national-bank",
      "sourceUrl": "https://www.nbc.ca/personal/mortgages/rates.html",
      "updated": "2026-11-02"
     },
     "insurable": {
      "rate": 5.14,
      "lender": "BMO",
      "lenderSlug": "bmo",
      "sourceUrl": "https://www.bmo.com/en-ca/main/personal/mortgages/mortgage-rates/",
      "updated": "2026-11-02"
     },
     "uninsurable": {
      "rate": 5.14,
      "lender": "BMO",
      "lenderSlug": "bmo",
      "sourceUrl": "https://www.bmo.com/en-ca/main/personal/mortgages/mortgage-rates/",
      "updated": "2026-11-02"
     }
    },
    "variable": {
     "insured": {
      "rate": 4.1,
      "lender": "RBC Royal Bank",
      "lenderSlug": "rbc",
      "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
      "updated": "2026-11-01"
     },
     "insurable": {
      "rate": 4.2,
      "lender": "Tangerine",
      "lenderSlug": "tangerine",
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      "updated": "2026-11-02"
     },
     "uninsurable": {
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      "lender": "Tangerine",
      "lenderSlug": "tangerine",
      "sourceUrl": "https://www.tangerine.ca/en/rates/mortgage-rates",
      "updated": "2026-11-02"
     }
    }
   },
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      "lender": "RBC Royal Bank",
      "lenderSlug": "rbc",
      "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
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     },
     "insurable": {
      "rate": 5.25,
      "lender": "RBC Royal Bank",
      "lenderSlug": "rbc",
      "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
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     },
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      "lender": "RBC Royal Bank",
      "lenderSlug": "rbc",
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     }
    }
   },
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      "lenderSlug": "tangerine",
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     },
     "insurable": {
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      "lenderSlug": "tangerine",
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     },
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      "sourceUrl": "https://www.tangerine.ca/en/rates/mortgage-rates",
      "updated": "2026-11-02"
     }
    }
   }
  },
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      "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
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     },
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      "lenderSlug": "rbc",
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     },
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      "lender": "RBC Royal Bank",
      "lenderSlug": "rbc",
      "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
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     }
    }
   },
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     },
     "insurable": {
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      "lender": "Simplii Financial",
      "lenderSlug": "simplii",
      "sourceUrl": "https://www.simplii.com/en/rates/mortgage-rates.html",
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     },
     "uninsurable": {
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      "lender": "Simplii Financial",
      "lenderSlug": "simplii",
      "sourceUrl": "https://www.simplii.com/en/rates/mortgage-rates.html",
      "updated": "2026-11-02"
     }
    }
   },
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      "lender": "BMO",
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      "sourceUrl": "https://www.bmo.com/en-ca/main/personal/mortgages/mortgage-rates/",
      "updated": "2026-11-02"
     },
     "insurable": {
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      "lender": "BMO",
      "lenderSlug": "bmo",
      "sourceUrl": "https://www.bmo.com/en-ca/main/personal/mortgages/mortgage-rates/",
      "updated": "2026-11-02"
     },
     "uninsurable": {
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      "lender": "BMO",
      "lenderSlug": "bmo",
      "sourceUrl": "https://www.bmo.com/en-ca/main/personal/mortgages/mortgage-rates/",
      "updated": "2026-11-02"
     }
    },
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     "insured": {
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      "lender": "CIBC",
      "lenderSlug": "cibc",
      "sourceUrl": "https://www.cibc.com/en/interest-rates/mortgage-rates.html",
      "updated": "2026-11-01"
     },
     "insurable": {
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      "lender": "CIBC",
      "lenderSlug": "cibc",
      "sourceUrl": "https://www.cibc.com/en/interest-rates/mortgage-rates.html",
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     },
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      "lender": "CIBC",
      "lenderSlug": "cibc",
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     }
    }
   },
   "4": {
    "fixed": {
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      "lenderSlug": "rbc",
      "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
      "updated": "2026-11-01"
     },
     "insurable": {
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      "lender": "RBC Royal Bank",
      "lenderSlug": "rbc",
      "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
      "updated": "2026-11-01"
     },
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      "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
      "updated": "2026-11-01"
     }
    }
   },
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     "insurable": {
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    },
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     },
     "insurable": {
      "rate": 4.2,
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    }
   },
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    }
   },
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      "lender": "Tangerine",
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     },
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    }
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      "lender": "BMO",
      "lenderSlug": "bmo",
      "sourceUrl": "https://www.bmo.com/en-ca/main/personal/mortgages/mortgage-rates/",
      "updated": "2026-11-02"
     }
    },
    "variable": {
     "insured": {
      "rate": 3.66,
      "lender": "nesto",
      "lenderSlug": "nesto",
      "sourceUrl": "https://www.nesto.ca/mortgage-rates/",
      "updated": "2026-11-01"
     },
     "insurable": {
      "rate": 4.2,
      "lender": "Tangerine",
      "lenderSlug": "tangerine",
      "sourceUrl": "https://www.tangerine.ca/en/rates/mortgage-rates",
      "updated": "2026-11-02"
     },
     "uninsurable": {
      "rate": 4.2,
      "lender": "Tangerine",
      "lenderSlug": "tangerine",
      "sourceUrl": "https://www.tangerine.ca/en/rates/mortgage-rates",
      "updated": "2026-11-02"
     }
    }
   },
   "7": {
    "fixed": {
     "insured": {
      "rate": 5.25,
      "lender": "RBC Royal Bank",
      "lenderSlug": "rbc",
      "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
      "updated": "2026-11-01"
     },
     "insurable": {
      "rate": 5.25,
      "lender": "RBC Royal Bank",
      "lenderSlug": "rbc",
      "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
      "updated": "2026-11-01"
     },
     "uninsurable": {
      "rate": 5.25,
      "lender": "RBC Royal Bank",
      "lenderSlug": "rbc",
      "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
      "updated": "2026-11-01"
     }
    }
   },
   "10": {
    "fixed": {
     "insured": {
      "rate": 5.9,
      "lender": "Tangerine",
      "lenderSlug": "tangerine",
      "sourceUrl": "https://www.tangerine.ca/en/rates/mortgage-rates",
      "updated": "2026-11-02"
     },
     "insurable": {
      "rate": 5.9,
      "lender": "Tangerine",
      "lenderSlug": "tangerine",
      "sourceUrl": "https://www.tangerine.ca/en/rates/mortgage-rates",
      "updated": "2026-11-02"
     },
     "uninsurable": {
      "rate": 5.9,
      "lender": "Tangerine",
      "lenderSlug": "tangerine",
      "sourceUrl": "https://www.tangerine.ca/en/rates/mortgage-rates",
      "updated": "2026-11-02"
     }
    }
   }
  },
  "SK": {
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    "fixed": {
     "insured": {
      "rate": 5.14,
      "lender": "RBC Royal Bank",
      "lenderSlug": "rbc",
      "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
      "updated": "2026-11-01"
     },
     "insurable": {
      "rate": 5.14,
      "lender": "RBC Royal Bank",
      "lenderSlug": "rbc",
      "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
      "updated": "2026-11-01"
     },
     "uninsurable": {
      "rate": 5.14,
      "lender": "RBC Royal Bank",
      "lenderSlug": "rbc",
      "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
      "updated": "2026-11-01"
     }
    }
   },
   "2": {
    "fixed": {
     "insured": {
      "rate": 4.84,
      "lender": "Simplii Financial",
      "lenderSlug": "simplii",
      "sourceUrl": "https://www.simplii.com/en/rates/mortgage-rates.html",
      "updated": "2026-11-02"
     },
     "insurable": {
      "rate": 4.84,
      "lender": "Simplii Financial",
      "lenderSlug": "simplii",
      "sourceUrl": "https://www.simplii.com/en/rates/mortgage-rates.html",
      "updated": "2026-11-02"
     },
     "uninsurable": {
      "rate": 4.84,
      "lender": "Simplii Financial",
      "lenderSlug": "simplii",
      "sourceUrl": "https://www.simplii.com/en/rates/mortgage-rates.html",
      "updated": "2026-11-02"
     }
    }
   },
   "3": {
    "fixed": {
     "insured": {
      "rate": 4.94,
      "lender": "BMO",
      "lenderSlug": "bmo",
      "sourceUrl": "https://www.bmo.com/en-ca/main/personal/mortgages/mortgage-rates/",
      "updated": "2026-11-02"
     },
     "insurable": {
      "rate": 4.94,
      "lender": "BMO",
      "lenderSlug": "bmo",
      "sourceUrl": "https://www.bmo.com/en-ca/main/personal/mortgages/mortgage-rates/",
      "updated": "2026-11-02"
     },
     "uninsurable": {
      "rate": 4.94,
      "lender": "BMO",
      "lenderSlug": "bmo",
      "sourceUrl": "https://www.bmo.com/en-ca/main/personal/mortgages/mortgage-rates/",
      "updated": "2026-11-02"
     }
    },
    "variable": {
     "insured": {
      "rate": 4.4,
      "lender": "CIBC",
      "lenderSlug": "cibc",
      "sourceUrl": "https://www.cibc.com/en/interest-rates/mortgage-rates.html",
      "updated": "2026-11-01"
     },
     "insurable": {
      "rate": 4.4,
      "lender": "CIBC",
      "lenderSlug": "cibc",
      "sourceUrl": "https://www.cibc.com/en/interest-rates/mortgage-rates.html",
      "updated": "2026-11-01"
     },
     "uninsurable": {
      "rate": 4.4,
      "lender": "CIBC",
      "lenderSlug": "cibc",
      "sourceUrl": "https://www.cibc.com/en/interest-rates/mortgage-rates.html",
      "updated": "2026-11-01"
     }
    }
   },
   "4": {
    "fixed": {
     "insured": {
      "rate": 5.04,
      "lender": "RBC Royal Bank",
      "lenderSlug": "rbc",
      "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
      "updated": "2026-11-01"
     },
     "insurable": {
      "rate": 5.04,
      "lender": "RBC Royal Bank",
      "lenderSlug": "rbc",
      "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
      "updated": "2026-11-01"
     },
     "uninsurable": {
      "rate": 5.04,
      "lender": "RBC Royal Bank",
      "lenderSlug": "rbc",
      "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
      "updated": "2026-11-01"
     }
    }
   },
   "5": {
    "fixed": {
     "insured": {
      "rate": 4.69,
      "lender": "National Bank",
      "lenderSlug": "national-bank",
      "sourceUrl": "https://www.nbc.ca/personal/mortgages/rates.html",
      "updated": "2026-11-02"
     },
     "insurable": {
      "rate": 5.14,
      "lender": "BMO",
      "lenderSlug": "bmo",
      "sourceUrl": "https://www.bmo.com/en-ca/main/personal/mortgages/mortgage-rates/",
      "updated": "2026-11-02"
     },
     "uninsurable": {
      "rate": 5.14,
      "lender": "BMO",
      "lenderSlug": "bmo",
      "sourceUrl": "https://www.bmo.com/en-ca/main/personal/mortgages/mortgage-rates/",
      "updated": "2026-11-02"
     }
    },
    "variable": {
     "insured": {
      "rate": 4.1,
      "lender": "RBC Royal Bank",
      "lenderSlug": "rbc",
      "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
      "updated": "2026-11-01"
     },
     "insurable": {
      "rate": 4.2,
      "lender": "Tangerine",
      "lenderSlug": "tangerine",
      "sourceUrl": "https://www.tangerine.ca/en/rates/mortgage-rates",
      "updated": "2026-11-02"
     },
     "uninsurable": {
      "rate": 4.2,
      "lender": "Tangerine",
      "lenderSlug": "tangerine",
      "sourceUrl": "https://www.tangerine.ca/en/rates/mortgage-rates",
      "updated": "2026-11-02"
     }
    }
   },
   "7": {
    "fixed": {
     "insured": {
      "rate": 5.25,
      "lender": "RBC Royal Bank",
      "lenderSlug": "rbc",
      "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
      "updated": "2026-11-01"
     },
     "insurable": {
      "rate": 5.25,
      "lender": "RBC Royal Bank",
      "lenderSlug": "rbc",
      "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
      "updated": "2026-11-01"
     },
     "uninsurable": {
      "rate": 5.25,
      "lender": "RBC Royal Bank",
      "lenderSlug": "rbc",
      "sourceUrl": "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html",
      "updated": "2026-11-01"
     }
    }
   },
   "10": {
    "fixed": {
     "insured": {
      "rate": 5.9,
      "lender": "Tangerine",
      "lenderSlug": "tangerine",
      "sourceUrl": "https://www.tangerine.ca/en/rates/mortgage-rates",
      "updated": "2026-11-02"
     },
     "insurable": {
      "rate": 5.9,
      "lender": "Tangerine",
      "lenderSlug": "tangerine",
      "sourceUrl": "https://www.tangerine.ca/en/rates/mortgage-rates",
      "updated": "2026-11-02"
     },
     "uninsurable": {
      "rate": 5.9,
      "lender": "Tangerine",
      "lenderSlug": "tangerine",
      "sourceUrl": "https://www.tangerine.ca/en/rates/mortgage-rates",
      "updated": "2026-11-02"
     }
    }
   }
  }
 }
}