Most clients look at 5- and 3-year fixed or variable first. Those are starting points from the broker board and current lender updates (including buy-down variables when you qualify). Other terms and private columns follow the Clover Mortgage public rate sheet.
This is not a live bank feed. Bank of Canada sets the overnight policy rate, not your fixed mortgage rate. Prime is set by each bank.
| Term | Fixed | Variable | Private 1st | Private 2nd |
|---|