Smarter homeownership
starts with the right support.
Access preferred mortgage rates, real estate savings, expert guidance, practical tools and trusted resources — exclusively through your employee benefit program.
Confidential. No obligation.
Your employer does not receive your personal financial or mortgage information.
Preferred Mortgage Rates for Employees and Members
Rates last updated: August 12, 2026
High-Ratio Mortgages
Insured by CMHC, Sagen or Canada Guaranty
| Mortgage Term | Standard Rate (Before Benefit) | Employee & Member Rate (Preferred Rate) | Your Savings (Rate Difference) |
|---|---|---|---|
| 5-Year Variable | 3.70% | 3.50% | 0.20% ↓ |
| 3-Year Fixed | 4.34% | 3.99% | 0.35% ↓ |
| 5-Year Fixed | 4.39% | 4.14% | 0.25% ↓ |
Conventional Mortgages
Down payment of 20% or more
| Mortgage Term | Standard Rate (Before Benefit) | Employee & Member Rate (Preferred Rate) | Your Savings (Rate Difference) |
|---|---|---|---|
| 5-Year Variable | 3.79% | 3.69% | 0.10% ↓ |
| 3-Year Fixed | 4.62% | 4.09% | 0.53% ↓ |
| 5-Year Fixed | 4.56% | 4.24% | 0.32% ↓ |
Proudly Supporting Employees and Members From
A growing network of employer partners across Canada.
What do you need help with?
Choose a topic to get personalized information, tools and expert guidance.
Buy a Home
First home or next home
Renew My Mortgage
Review your options before you renew
Refinance My Home
Lower payments or access equity
Consolidate Debt
Reduce debt and improve cash flow
Access Home Equity
HELOCs, equity and more
Improve My Credit
Boost your credit and borrowing power
Down Payment Assistance
Programs, gifts and strategies
Investment Properties
Purchase, refinance and manage
Help My Children
Support their path to homeownership
Help My Parents
Reverse mortgages and options
Legal Services
Lawyers and legal support
Real Estate Services
Buy, sell and save with our network
Insurance Solutions
Protect your home, income and family
I'm Not Sure Where to Start
We'll help you find the right path
Ready to take your next step?
Book a confidential, no-obligation consultation with one of our experts.
Mortgage Savings Calculator
See exactly how much your member rate saves you — over the term and over the life of your mortgage.
Uses Canadian mortgage convention (semi-annual compounding). Results are estimates only and do not constitute financial advice.
Your Estimated Savings
Monthly — Standard Rate
$2,696
Monthly — Member Rate
$2,668
Monthly Savings
$27/mo
Interest Savings Over 5-Year Term
$2,388
Total Interest Savings Over 25-Year Amortization
$8,211
Real Estate Savings Calculator
As a benefit member, you receive 20% of the 2.5% buyer/seller agent commission — that's 0.5% of your property price back at closing.
Standard Commission (2.5%)
$18,750
Your Member Benefit (0.5%)
$3,750
Back to you at closing
Subject to applicable provincial regulations and lender approval. Not available in all provinces.
Access Canada's Leading Mortgage Lenders
And more trusted lenders. Rates and availability are subject to change.
Book a Free, Confidential Consultation
A 30-minute conversation with your Mortgage Ambassador. No sales pitch — just a clear picture of what you qualify for, what your member rate looks like, and what your next step should be.