Prime Resources.
Rates effective as of July 24, 2025 @ 12:01 am ET
Bank of Canada Benchmark Rate - 5.25% | RFA Prime Rate - 4.95% | Teal Indicates Recent Change
| Term | Insured | Insurable | *Compensation | |||
| ≤ 65% | 65.01 to 70% | 70.01 to 75% | 75.01 to 80% | |||
| New Business Promotions | ||||||
| 5 Year ARM Promo | P-0.65% | P-0.65% | P-0.50% | P-0.40% | P-0.40% | 120 bps + VB* |
| 4 Year Fixed Promo | 4.44% | 4.44% | 4.54% | 4.64% | 4.69% | 100 bps |
| 3 Year Fixed Promo | 4.34% | 4.34% | 4.49% | 4.64% | 4.64% | 80 bps |
| 2 Year Fixed Promo | 4.39% | 4.39% | 4.54% | 4.69% | 4.69% | 70 bps |
| Standard Rates | ||||||
| Frontline Program | 4.29% | 4.29% | 4.44% | 4.44% | 4.44% | 80 bps |
| 5 Year ARM | P-0.65% | P-0.65% | P-0.50% | P-0.40% | P-0.40% | 115 bps + VB* |
| 5 Year Fixed | 4.39% | 4.39% | 4.54% | 4.54% | 4.54% | 115 bps + VB* |
| 5 Year Fixed Rental | — | 4.69% | 4.84% | 4.84% | 4.84% | 115 bps + VB* |
| 4 Year Fixed | 4.59% | 4.59% | 4.74% | 4.89% | 4.89% | 85 bps |
| 3 Year Fixed | 4.39% | 4.39% | 4.54% | 4.69% | 4.69% | 75 bps |
| 2 Year Fixed | 4.69% | 4.69% | 4.89% | 4.89% | 4.89% | 65 bps |
| 1 Year Fixed | 4.94% | 4.94% | 5.09% | 5.24% | 5.24% | 45 bps |
| Term | ≤ 80% | ≤ 80% Second Homes/Rentals | Compensation |
| Uninsurable | |||
| 5 Year ARM | P-0.30% | — | 105 bps |
| 5 Year Fixed | 4.59% | 5.09% | 105 bps |
| 5 Year Fixed Rental | — | 5.39% | 105 bps |
Frontline rates include up to $2,000 cashback!*
| Frontline Cashback PROMOTION | ||||
| Loan Amount | $150,000 - $299,999 | $300,000 - $499,999 | $500,000 - $749,999 | $750,000 + |
| Cashback | $500 | $750 | $1,000 | $2,000 |
Rate Criteria
*Insider Compensation: Insiders can earn an additional 10 bps Volume Bonus for achieving their annual target. | Rate holds: All rates are 120 Day Rate Holds unless otherwise indicated. No pre-approvals. | Float down: No float downs to promotional rates. | Insurable & Uninsurable + 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 Program: 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. | Transfers: Not eligible for terms < 3 years. Promo exceptions may apply. | Second Homes: Not eligible for terms < 3 years. | Promotions: New business (no term switches), owner-occupied, insured/insurable deals only. Cannot be combined with Frontline or any other promo offer(s). 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/contact.
Frontline.
Surprise your frontline clients with an exclusive rate discount & cashback.*
10 bps off insured/insurable fixed rates & up to $2,000 cashback Use code "frontline" in your deal notes.
Qualifications:
Border Services | Correction Officer | Firefighter | Paramedic
Police Office | Registered Physician | Registered Practical Nurse
Teacher | Teacher's Aide | Professor | Principal
Must provide a recent letter of employment & paystub.
*Conditions may apply.
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Our 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.