prime




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Hello there!


Welcome to our Prime resources page.

This is your one-stop-shop for RFA Mortgage Corporation prime rates, product sheets, forms, latest promotions & more.

Just want to log into our broker portal? Click the link.



Our Rates & Promotions


Frontline rates include up to $2,000 cashback!*



Rates


Rates effective as of May 29, 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-0.45% P-0.40% 125 bps + VB*
3 Year Fixed Promo 4.24% 4.24% 4.39% 4.54% 4.54% 90 bps
2 Year Fixed Promo 4.39% 4.39% 4.54% 4.69% 4.69% 70 bps
Standard Rates
Frontline Program 4.19% 4.19% 4.34% 4.34% 4.34% 80 bps
5 Year ARM P-0.65% P-0.65% P-0.50% P-0.45% P-0.40% 115 bps + VB*
5 Year Fixed 4.29% 4.29% 4.44% 4.44% 4.44% 115 bps + VB*
5 Year Fixed Rental - 4.59% 4.74% 4.74% 4.74% 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 4.79% 4.79% 4.94% 5.09% 5.09% 65 bps
1 Year Fixed 4.94% 4.94% 5.09% 5.24% 5.24% 45 bps

  ≤ 80% ≤ 80% Second Homes/Rentals Compensation
Uninsurable
5 Year ARM P-0.20% P+0.05% 105 bps
5 Year Fixed 4.64% 5.09% 105 bps
5 Year Fixed Rental — 5.39% 105 bps


Promotions


Frontline Cashback
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 ≥ 680
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/customerservice.



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Broker Portal


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Information/criteria is subject to change without notice. Please contact your RVP.





Approved Appraiser List


Select a province to find an approved appraiser.


Download our Standard Prime Appraisal Guidelines.

Download our Approved Appraiser List.









Frontline Program



Now accepting teachers!


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 (Employed), Paramedic, Police Officer, 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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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.



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