A shorter commitment with a locked rate, ideal if you're planning to reassess in the near term.
A locked rate for three years, useful if you want predictability without committing for the full five.
Follows the prime rate over a three-year term, historically can save money for flexible borrowers.
Starts lower than fixed and adjusts with the Bank of Canada rate over five years.
Illustrative estimate only, not a formal quote. Assumes 20% down payment, 25-year amortization. Rates as of August 2026 and subject to change.
Get Today's Rate →Rates change daily and vary based on your down payment, credit, and property type. Contact Iain for a personalized quote, no obligation, no pressure.
Hi. I'm Iain Macfadyen, a licensed and independent Vancouver Mortgage Broker. I'll work to get you the best possible mortgage rate in BC while making the mortgage process as convenient and transparent as possible. Here's how I can help:
1. Less Hassle. The amount of time spent getting a mortgage and gathering documents can be really frustrating. After we figure out your goals, I take care of all the back-and-forth time consuming tasks with the lender as well as negotiating down the amount of documents that are requested of you.
2. Lower Rates. Getting the best rate is really important, but so is choosing the right term and product. I provide insight on why you would choose one lender over another. I have a great relationship with dozens of lenders so you are much more likely to get a mortgage that suits your specific needs.
3. Straight Forward Advice. Mortgages can be a headache and dealing with multiple bank representatives can be confusing. I will be your trusted consultant for all your mortgage needs, not only during the transaction, but mid mortgage term as well. I will stay updated on your situation and look out for any possibility to improve your mortgage.
There are no contracts or fees. I can be contacted anytime, not just bank hours. Give me a call today - I'm happy to answer any questions.
Four straightforward steps from first call to keys in hand.
Fill out a quick form or give me a call. No commitment - just a conversation about your goals and timeline.
→I shop 20+ lenders to find the best rate and mortgage product matched to your specific situation.
→I handle the paperwork and all back-and-forth with the lender. You just answer a few questions.
→You sign, you move in. I stay available throughout your mortgage term - not just at close.
→By using multiple lenders, we increase our chances of getting a good rate and product.
CMLS Financial
First National
MCAP
RMG Mortgages
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Fill out the form and I'll get back to you personally - usually the same day. No pressure, no obligation. Just straight answers from someone who actually knows the BC market.