CWB Optimum Mortgage

Quick access to today's rates

Fixed and variable A Rates

 Term Rate Referral fee
5-year fixed 3.29%
80 BPS
4-year fixed 2.99%
70 BPS
3-year fixed 2.69%
70 BPS
2-year fixed 2.59%
50 BPS
1-year fixed 2.69%
50 BPS
5-year variable (680+ beacon, owner-occupied only) Prime + 0.20%
80 BPS

 

 

HOMEWORKS

 BEACON Rate  Referral fee
 680+ Prime + 0.50%  60 BPS

 

Alternative lending rates

 

Fixed rates

British Columbia, Alberta, Manitoba, Saskatchewan, and Ontario

Term

Rate

Lender fee

Referral fee

 1-year 3.99%
1.00% 50 BPS
4.50%
0.50% 50 BPS
4.90%
0 50 BPS

 

Term

Rate

Lender fee

Referral fee

1-year open 5.99%
2.00% split fee N/A

Term

Rate

Lender fee

Referral fee

 2-year 4.75%
 1.00% 50 BPS
4.25%
 0 50 BPS

 

Term

Rate

Lender fee

Referral fee

3-year 4.55%
1.00% 75 BPS
4.99%
0 75 BPS


Northern Ontario

Term

Rate

Lender fee

Referral fee

 
1-year
4.99%
1.00% 50 BPS
5.50%
           
0.50% 50 BPS
5.90%
0 50 BPS

Term

Rate

Lender fee

Referral fee

1-year open 6.99%
2.00% split fee N/A

 

Term

Rate

Lender fee

Referral fee

2-year 5.25%
1.00% 50 BPS
5.99%
0 50 BPS


Term

Rate

Lender fee

Referral fee

3-year 5.55%
1.00% 75 BPS
5.99%
0 75 BPS

  

 

Nova Scotia and Newfoundland

Rates below are for properties inside of the Greater Halifax and St. John's areas. Properties outside of these areas will receive a 75 BPS rate increase.

Term

Rate

Lender fee

Referral fee

 
1-year
4.24%
1.00% 50 BPS
4.75%
0.50% 50 BPS
5.15%
                       
0 50 BPS

Term

Rate

Lender fee

Referral fee

1-year open 6.24%
2.00% split fee N/A

 

Term

Rate

Lender fee

Referral fee

2-year 5.00%
1.00% 50 BPS
5.24%
0 50 BPS


Term

Rate

Lender fee

Referral fee

3-year 4.80%
1.00% 75 BPS
5.24%
0 75 BPS

 

New Brunswick and P.E.I.

Term

Rate

Lender fee

Referral fee

 
1-year
4.99%
1.00% 50 BPS
5.50%
0.50% 50 BPS
5.90%                       0 50 BPS

 

Term

Rate

Lender fee

Referral fee

1-year open 6.99%
2.00% split fee N/A

 

Term

Rate

Lender fee

Referral fee

2-year 5.75%
1.00% 50 BPS
5.25%
0 50 BPS

 

Term

Rate

Lender fee

Referral fee

3-year 5.55%
1.00% 75 BPS
5.99%
0 75 BPS

 

 Variable rates

British Columbia, Alberta, Saskatchewan, Manitoba, Ontario

 Term

BEACON

Rate

Lender fee 

Referral fees

 5-year variable  600+ Prime + 1.00%
1.00%  100 BPS

 

Northern Ontario

Term

BEACON

Rate

Lender fee

Referral fees

5-year variable 600+ Prime + 1.50%
1.00% 100 BPS

 

Nova Scotia and Newfoundland

Rates below are for properties inside of the Greater Halifax and St. John's areas. Properties outside of these areas will receive a 75 BPS rate increase.

Term

BEACON

Rate

Lender fee

Referral fees

5-year variable 650+ Starting at Prime + 1.25%
1.00% 100 BPS

 

New Brunswick and P.E.I.

Term

BEACON

Rate

Lender fee

Referral fees

5-year variable 650+ Starting at Prime + 2.00%
1.00% 100 BPS

 

Rental rates

British Columbia, Alberta, Saskatchewan, Manitoba, Ontario

Term 

Rate

Lender fee

Referral fee

1-year 4.99%  1.00%  50 BPS
2-year 4.99%  1.00%  50 BPS 
3-year 5.35%  1.00%  75 BPS
1-year open 5.99%  2.00% fee split


Northern Ontario 

Term 

Rate

Lender fee

Referral fee

1-year  5.99%  1.00% 50 BPS 
2-year 5.99%  1.00% 50 BPS 
3-year 6.35%  1.00% 75 BPS
1-year open 6.99%  2.00% fee split


Nova Scotia and Newfoundland

Rates below are for properties inside of the Greater Halifax and St. John's areas. Properties outside of these areas will receive a 75 BPS rate increase.

Term 

Rate

Lender fee

Referral fee

1-year  5.24%
 1.00% 50 BPS 
2-year 5.24%
 1.00% 50 BPS 
3-year 5.60%
 1.00% 75 BPS
1-year open 6.24%
 2.00% fee split

 

New Brunswick and P.E.I. 

Term 

Rate

Lender fee

Referral fee

1-year  5.99%
 1.00% 50 BPS 
2-year 5.99%
 1.00% 50 BPS 
3-year 6.35%
 1.00% 75 BPS
1-year open 6.99%
 2.00% fee split