How To Use? To view the mortgage rates, please first select the term and product type from the options provided. It's important to understand the following categories to choose the best rate for your needs: -Insured Mortgages: These are high-ratio purchase rates for loans with a value between 80.01% to 95%. This category is ideal for buyers with less than a 20% down payment and requires a maximum amortization period of 25 years. Insurable Mortgages: Suitable for purchase rates when the down payment is 20% or more of the home's value, also with a maximum amortization period of 25 years. These rates can also be for a transfer mortgage, which is when you transfer the exact balance of your mortgage to another lender with no equity take out. Uninsurable Mortgages: This category includes purchase or refinance rates for mortgages with a longer amortization period of either 25 or 30 years. Home Equity Line of Credit (HELOC): Available as a combined product with a mortgage (2-in-1) or as a separate, stand-alone mortgage line of credit. Each type of mortgage product offers different benefits depending on your financial situation and home buying goals. Make sure to select the option that best aligns with your needs.