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  • Rates

    effective September 21, 2026

    Term Bank Rate Our Rate
    1 Year 5.84 % 4.59 %
    2 Year 5.14 % 4.24 %
    3 Year 6.05 % 4.04 %
    4 Year 5.99 % 4.09 %
    5 Year 6.09 % 4.09 %
    7 Year 6.40 % 5.24 %
    10 Year 6.80 % 5.29 %
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    • Private Lender Fees Too High? Talk to me!
    • 19MAY
      0 Comments

      HSBC Out Of Broker Network

      HSBC Bank Canada announced today that they will no longer be originating mortgages via brokers. This is effective immediately. Along with this, they will also be winding down and closing their outside mortgage sales force department. All future mortgage origination will be done via their branch network. Although HSBC has never been a major player

      • Posted by Wayne Mah
      • Market Update
      • Mortgage Rates
      • Real Estate
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    • 08MAY
      0 Comments

      CMHC Fees – How to Avoid Them on a 2nd Purchase

      In this post I look at CMHC fees: What are they? How are they calculated? If you paid them once, do you pay them again? Is there a way to avoid them or pay a reduced amount on your next home purchase? Enjoy! Video Transcription: Hi, everyone. Rowan Smith at the Mortgage Centre. I want

      • Posted by Rowan Smith
      • Basic Mortgage Info
      • Mortgage Insurance
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    • 07MAY
      0 Comments

      Warning: Possible Financing Problems On Strata Duplexes

      Our office recently encountered financing problems for a strata duplex. We discovered that currently no mortgage insurer will approve such a property. Not CMHC, not Genworth and not Canada Guaranty . This is a very recent change!!! I found this very strange and having been in the industry for many years I decided to find

      • Posted by Wayne Mah
      • Educational
      • First-Time Buyers
      • Market Update
      • Real Estate
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    Rowan Smith, MBI

    rowan@citywidemortgage.ca
    T: 604-657-6775
    F: 1-888-282-5760

    Contact Info

    • 103-1245 West Broadway
      604-257-2600
    • Vancouver, BC
    • V6H 1G7

    cwf@citywidemortgage.ca

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