Fixed interest rates
3 year lock-in
(Minimum loan amount requirement applies)
Year 1: 2.55% Fixed
Year 2: 2.55% Fixed
Year 3: 2.55% Fixed
Year 4: 3M SORA + 0.55%
Thereafter: 3M SORA + 1.00%
- One free conversion after 24 months
Legal subsidy for refinancing only
Loan amount above 500K - $1,800
Valuation subsidy for refinancing only
Loan amount above 500K - $350
Loan amount above 1.0M - $500
Fixed interest rates
3 year lock-in
(Minimum loan amount requirement applies)
Year 1: 2.55% Fixed
Year 2: 2.55% Fixed
Year 3: 2.55% Fixed
Year 4: 3M SORA + 0.55%
Thereafter: 3M SORA + 1.00%
- One free conversion after 24 months
Legal subsidy for refinancing only
Loan amount above 500K - $1,800
Valuation subsidy for refinancing only
Loan amount above 500K - $350
Loan amount above 1.0M - $500
Fixed interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 2.55% Fixed
Year 2: 2.55% Fixed
Thereafter: 4.04% Board Rate
- No valuation fee
- Commitment fee 0.02% of the loan amount, subject to min $200
Cash rebate for refinancing only
Loan amount above 250K - $2,000
Floating interest rates
2 year lock-in
(Minimum loan amount requirement applies)
(Must fund 200K before loan disbursement)
Year 1: 1M SORA + 0.20%
Year 2: 1M SORA + 0.25%
Year 3: 1M SORA + 0.30%
Thereafter: 1M SORA + 0.60%
- One free conversion anytime
- 50% waiver of penalty due to sale (100% if loan amount above 1.0M)
- Up to 30% partial repayment allowed during lock in
- Smart mortgage (up to 70% interest offset)
Cash rebate For refinancing only
Loan amount above 500K - $2,000
Loan amount above 1.5M - $2,500
Loan amount below 500K - $1,000