prime




Our Rates


Frontline rates include a $1,000 cashback offer!


Rates effective as of June 25, 2022 @ 12:01 am ET | Bank of Canada Benchmark Rate - 5.25% | RFA Prime Rate - 3.70% | Teal Indicates Recent Change


Term/Credit Insured Insurable Uninsurable Uninsurable
Plus
Insider
Comp.
Standard
Comp.
≤ 65% 65.01 to 70% 70.01 to 75% 75.01 to 80% 80%
Promotions
60 Day QC ARM P-0.95% P-0.95% - - - - - 115 bps 110 bps
60 Day QC Fixed 5.04% 5.04% - - - - - 115 bps 110 bps
Uninsurable ARM Promo - - - - - P-0.20% - 115 bps 110 bps
Frontline Promo 4.99% 4.99% 5.14% 5.19% 5.19% - - 85 bps 75 bps
Frontline Cashback + $1,000 Cashback
Standard Rates
5 Year ARM P-0.90% P-0.90% P-0.75% P-0.55% P-0.55% P-0.10% P-0.10% 115 bps 110 bps
5 Year Fixed 5.09% 5.09% 5.24% 5.29% 5.44% 5.44% 5.44% 115 bps 110 bps
5 Year Fixed Rental 5.24% 5.39% 5.44% 5.44% 5.59% - 115 bps 110 bps
4 Year Fixed 4.89% 5.29% 5.29% 5.29% 5.29% - - 50 bps 50 bps
3 Year Fixed 4.79% 5.29% 5.29% 5.29% 5.29% - - 50 bps 50 bps
2 Year Fixed 4.79% 5.29% 5.29% 5.29% 5.29% - - 50 bps 50 bps
1 Year Fixed 4.69% 5.29% 5.29% 5.29% 5.29% - - 40 bps 40 bps
Rate Criteria

Rate holds: All rates are 120 Day Rate Holds unless otherwise indicated. No pre-approvals.
Float down: A one-time float down may be considered. Float downs must be received at least 10 business days prior to closing and are subject to standard rates only. Promotional rates are not applicable on float downs.
Insurable mortgages only: Primary Beacon Scores ≤ 680 add 20 bps
Uninsurable mortgages only: Purchase/transfer – Primary Beacon Scores must be ≥ 650
Refinance Owner Occupied: Primary Beacon Scores must be ≥ 680 | Refinance Rental: Primary Beacon Score must be ≥ 700
Frontline Promo: Additional criteria applies, owner occupied only, use promo code "frontline" in your deal notes (rfa.ca/frontline or talk to your RVP for more info)
  Max Buydown: may vary by term, contact your RVP or Underwriter for more detail.


Interest rates, terms and products are subject to change at any time without notice.

For all rate and payout inquires pertaining to existing clients, please visit rfa.ca/customerservice.






Approved Appraiser List


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Download our Standard Prime Appraisal Guidelines.









Calculators


Calculators are for demonstration purposes only. Payment amounts are based on the information you provide and are for illustrative purposes only. Actual mortgage rates may fluctuate and are subject to change at any time without notice. To obtain the amount of the exact prepayment charge and prepayment privileges, which may be applicable, please contact Customer Service.



Sales Team



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FSRA 12980