{"id":8247,"date":"2022-07-12T16:02:21","date_gmt":"2022-07-12T23:02:21","guid":{"rendered":"https:\/\/www.nerdwallet.com\/ca\/?page_id=8247"},"modified":"2025-06-09T07:01:17","modified_gmt":"2025-06-09T14:01:17","slug":"mortgage-rates-bc","status":"publish","type":"page","link":"https:\/\/www.nerdwallet.com\/ca\/mortgages\/mortgage-rates-bc","title":{"rendered":"The Best Mortgage Rates in B.C."},"content":{"rendered":"\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\t\t<div class=\"mortgage-rate-tables nw-block nwb-mortgage-rate-tables nwb-mortgage-rate-tables-ca wp-block-nerdwallet-blocks-mortgage-rate-tables\">\n\t\t\t<div style=\"margin-bottom: 8px;\"><strong>Rates updated: <time datetime=\"2026-04-11\">April 11, 2026<\/time><\/strong><\/div>\n\t\t\t<form class=\"mrt-form\">\n\t\t\t\t<div class=\"filters wp-block-columns is-layout-flex\">\n\t\t\t\t\t<input type=\"hidden\" class=\"i-hidden i-attributes \" name=\"attributes\" value=\"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\"><input type=\"hidden\" class=\"i-hidden i-country \" name=\"country\" value=\"ca\"><input type=\"hidden\" class=\"i-hidden i-page_size \" name=\"page_size\" value=\"7\"><input type=\"hidden\" class=\"i-hidden i-page_offset \" name=\"page_offset\" value=\"1\"><input type=\"hidden\" class=\"i-hidden i-lender \" name=\"lender\"><div class=\"form-group wrap-mortgage-type wp-block-column is-layout-flow\"><label for=\"mortgage_type\" id=\"lbl-mortgage_type\">Mortgage Type <a class=\"nw-tooltip\" title=\"The purpose of your mortgage.\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"15\" aria-hidden=\"true\" focusable=\"false\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M140,180a12,12,0,1,1-12-12A12,12,0,0,1,140,180ZM128,72c-22.06,0-40,16.15-40,36v4a8,8,0,0,0,16,0v-4c0-11,10.77-20,24-20s24,9,24,20-10.77,20-24,20a8,8,0,0,0-8,8v8a8,8,0,0,0,16,0v-.72c18.24-3.35,32-17.9,32-35.28C168,88.15,150.06,72,128,72Zm104,56A104,104,0,1,1,128,24,104.11,104.11,0,0,1,232,128Zm-16,0a88,88,0,1,0-88,88A88.1,88.1,0,0,0,216,128Z\"><\/path><\/svg><\/a><\/label><select class=\"form-control nw-input i-select i-mortgage_type \" name=\"mortgage_type\" title=\"Mortgage Type\" type=\"select\"><option value=\"purchase\" selected=\"selected\" >Purchase<\/option><option value=\"remortgage\"  >Refinance<\/option><option value=\"switch\"  >Renewal\/Switch<\/option><\/select><\/div><div class=\"form-group wrap-house-price wp-block-column is-layout-flow form-group-amount\" data-currency=\"$\"><label for=\"house_price\" id=\"lbl-house_price\">Property Value <a class=\"nw-tooltip\" title=\"Price of the property you want to buy, or market value of a property you own.\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"15\" aria-hidden=\"true\" focusable=\"false\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M140,180a12,12,0,1,1-12-12A12,12,0,0,1,140,180ZM128,72c-22.06,0-40,16.15-40,36v4a8,8,0,0,0,16,0v-4c0-11,10.77-20,24-20s24,9,24,20-10.77,20-24,20a8,8,0,0,0-8,8v8a8,8,0,0,0,16,0v-.72c18.24-3.35,32-17.9,32-35.28C168,88.15,150.06,72,128,72Zm104,56A104,104,0,1,1,128,24,104.11,104.11,0,0,1,232,128Zm-16,0a88,88,0,1,0-88,88A88.1,88.1,0,0,0,216,128Z\"><\/path><\/svg><\/a><\/label><input type=\"text\" class=\"form-control nw-input i-text i-house_price \" name=\"house_price\" value=\"500,000\" title=\"Property Value\" placeholder=\"Property Value\" maxlength=\"11\" type=\"amount\"><\/div><div class=\"form-group wrap-down-payment wp-block-column is-layout-flow mortgage-type-purchase form-group-amount\" data-currency=\"$\"><label for=\"down_payment\" id=\"lbl-down_payment\">Down Payment <a class=\"nw-tooltip\" title=\"A percentage of the purchase price that is paid upfront.\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"15\" aria-hidden=\"true\" focusable=\"false\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M140,180a12,12,0,1,1-12-12A12,12,0,0,1,140,180ZM128,72c-22.06,0-40,16.15-40,36v4a8,8,0,0,0,16,0v-4c0-11,10.77-20,24-20s24,9,24,20-10.77,20-24,20a8,8,0,0,0-8,8v8a8,8,0,0,0,16,0v-.72c18.24-3.35,32-17.9,32-35.28C168,88.15,150.06,72,128,72Zm104,56A104,104,0,1,1,128,24,104.11,104.11,0,0,1,232,128Zm-16,0a88,88,0,1,0-88,88A88.1,88.1,0,0,0,216,128Z\"><\/path><\/svg><\/a><\/label><input type=\"text\" class=\"form-control nw-input i-text i-down_payment \" name=\"down_payment\" value=\"50,000\" title=\"Down Payment\" placeholder=\"Down Payment\" maxlength=\"11\" type=\"amount\"><\/div><div class=\"form-group wrap-mortgage-balance wp-block-column is-layout-flow mortgage-type-refinance d-none form-group-amount\" data-currency=\"$\"><label for=\"mortgage_balance\" id=\"lbl-mortgage_balance\">Mortgage Balance<\/label><input type=\"text\" class=\"form-control nw-input i-text i-mortgage_balance \" name=\"mortgage_balance\" value=\"400,000\" title=\"Mortgage Balance\" placeholder=\"Mortgage Balance\" maxlength=\"11\" type=\"amount\"><\/div><div class=\"form-group wrap-province wp-block-column is-layout-flow\"><label for=\"province\" id=\"lbl-province\">Province<\/label><select class=\"form-control nw-input i-select i-province \" name=\"province\" title=\"Province\" type=\"select\"><option value=\"AB\"  >Alberta<\/option><option value=\"BC\" selected=\"selected\" >British Columbia<\/option><option value=\"MB\"  >Manitoba<\/option><option value=\"NB\"  >New Brunswick<\/option><option value=\"NL\"  >Newfoundland and Labrador<\/option><option value=\"NT\"  >Northwest Territories<\/option><option value=\"NS\"  >Nova Scotia<\/option><option value=\"NU\"  >Nunavut<\/option><option value=\"ON\"  >Ontario<\/option><option value=\"PE\"  >Prince Edward Island<\/option><option value=\"SK\"  >Saskatchewan<\/option><option value=\"QC\"  >Quebec<\/option><option value=\"YT\"  >Yukon<\/option><\/select><\/div>\t\t\t\t\t<div class=\"wp-block-column is-layout-flow wrap-submit-button\">\n\t\t\t\t\t\t<div class=\"wp-block-button \">\n\t\t\t\t\t\t\t<button type=\"submit\" class=\"btnSubmit track-submission wp-block-button__link wp-element-button full-width\">UPDATE RESULTS<\/button>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"table-with-sidebar wp-block-columns is-layout-flex\">\n\t\t\t\t\t<div class=\"wp-block-column is-layout-flow\">\n\t\t\t\t\t\t<div class=\"wrap-table-registers\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t<div class=\"show-result-number-wrapper\">\n\t\t\t<p><strong class=\"mrt-count\">Showing 1 of 1 result<\/strong><\/p>\n\t\t\t\t\t\t\t<a class=\"d-md-none\" style=\"cursor: pointer;\" aria-label=\"Open Filter Rates\">\n\t\t\t\t\t<svg class=\"btnFilterRates\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" fill=\"#008254\" viewBox=\"0 0 256 256\"><path d=\"M40,92H70.06a36,36,0,0,0,67.88,0H216a12,12,0,0,0,0-24H137.94a36,36,0,0,0-67.88,0H40a12,12,0,0,0,0,24Zm64-24A12,12,0,1,1,92,80,12,12,0,0,1,104,68Zm112,96H201.94a36,36,0,0,0-67.88,0H40a12,12,0,0,0,0,24h94.06a36,36,0,0,0,67.88,0H216a12,12,0,0,0,0-24Zm-48,24a12,12,0,1,1,12-12A12,12,0,0,1,168,188Z\"><\/path><\/svg>\n\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t<p><\/p>\n\n\t\t<table class=\"mrt-table mrt-table-ca\">\n\t\t\t<thead>\n\t\t\t\t<tr>\n\t\t\t\t\t<th class=\"th-rate\"> <a class=\"nw-tooltip\" title=\"A fee charged to borrow money. Expressed as a percentage of the amount borrowed.\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"15\" aria-hidden=\"true\" focusable=\"false\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M140,180a12,12,0,1,1-12-12A12,12,0,0,1,140,180ZM128,72c-22.06,0-40,16.15-40,36v4a8,8,0,0,0,16,0v-4c0-11,10.77-20,24-20s24,9,24,20-10.77,20-24,20a8,8,0,0,0-8,8v8a8,8,0,0,0,16,0v-.72c18.24-3.35,32-17.9,32-35.28C168,88.15,150.06,72,128,72Zm104,56A104,104,0,1,1,128,24,104.11,104.11,0,0,1,232,128Zm-16,0a88,88,0,1,0-88,88A88.1,88.1,0,0,0,216,128Z\"><\/path><\/svg><\/a> <h3>Rate<\/h3><\/th><th class=\"th-term\"> <a class=\"nw-tooltip\" title=\"The length of your mortgage contract.\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"15\" aria-hidden=\"true\" focusable=\"false\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M140,180a12,12,0,1,1-12-12A12,12,0,0,1,140,180ZM128,72c-22.06,0-40,16.15-40,36v4a8,8,0,0,0,16,0v-4c0-11,10.77-20,24-20s24,9,24,20-10.77,20-24,20a8,8,0,0,0-8,8v8a8,8,0,0,0,16,0v-.72c18.24-3.35,32-17.9,32-35.28C168,88.15,150.06,72,128,72Zm104,56A104,104,0,1,1,128,24,104.11,104.11,0,0,1,232,128Zm-16,0a88,88,0,1,0-88,88A88.1,88.1,0,0,0,216,128Z\"><\/path><\/svg><\/a> <h3>Term<\/h3><\/th><th class=\"th-lender\"> <h3>Lender<\/h3><\/th><th class=\"th-payment\"> <a class=\"nw-tooltip\" title=\"Principal and interest due each month.\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"15\" aria-hidden=\"true\" focusable=\"false\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M140,180a12,12,0,1,1-12-12A12,12,0,0,1,140,180ZM128,72c-22.06,0-40,16.15-40,36v4a8,8,0,0,0,16,0v-4c0-11,10.77-20,24-20s24,9,24,20-10.77,20-24,20a8,8,0,0,0-8,8v8a8,8,0,0,0,16,0v-.72c18.24-3.35,32-17.9,32-35.28C168,88.15,150.06,72,128,72Zm104,56A104,104,0,1,1,128,24,104.11,104.11,0,0,1,232,128Zm-16,0a88,88,0,1,0-88,88A88.1,88.1,0,0,0,216,128Z\"><\/path><\/svg><\/a> <h3>Monthly Payment<\/h3><\/th>\t\t\t\t\t<th class=\"th-cta\">&nbsp;<\/th>\n\t\t\t\t<\/tr>\n\t\t\t<\/thead>\n\t\t\t<tbody class=\"mrt-tbody-registers\">\n\t\t\t\t\t\t\t<tr>\n\t\t\t\t<td class=\"td-rate\"><h4>0.00%<\/h4><\/td><td class=\"td-term\"><h4>  Rate<\/h4><\/td><td class=\"td-lender\"><img loading=\"lazy\" decoding=\"async\" class=\"mrt-lender-logo\" alt=\" Logo\" src=\"\" width=\"40\" height=\"40\"\/><br\/><h4 class=\"mrt-lender-name\">&nbsp;<\/h4><\/td><td class=\"td-payment\"><h4>$0.00<\/h4><\/td>\t\t\t\t<td class=\"td-cta\">\n\t\t\t\t\t<div class=\"wp-block-button\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/8twelve-mortgage\" target=\"_self\" rel=\"nofollow\" class=\"btn-cta d-block track-click nw-cta has-external-link track-click-mon wp-block-button__link wp-element-button\" data-extra-lender-name=\"\" data-extra-mortgage-type=\"purchase\" data-extra-mortgage-term=\"\" data-extra-province=\"BC\" data-extra-mortgage-amount=\"450000\" data-extra-rate=\"0.00\" data-extra-term=\"  Rate\" data-extra-monthly-payment=\"0.00\" data-placement=\"Mortgage Rate Table\" style=\"color: var(--wp--preset--color--white); background-color: var(--wp--preset--color--green);\">EXPLORE QUOTE<\/a><\/div>\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t<\/tr>\n\t\t\t\t\t\t<\/tbody>\n\t\t\t<tbody class=\"mrt-skeleton\">\n\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t<td><span><\/span><span class=\"sk-sm\"><\/span><\/td>\n\t\t\t\t\t\t<td><span class=\"sk-logo\"><\/span><span><\/span><\/td>\n\t\t\t\t\t\t<td><span><\/span><span class=\"sk-sm\"><\/span><\/td>\n\t\t\t\t\t\t<td><span><\/span><span class=\"sk-sm\"><\/span><\/td>\n\t\t\t\t\t\t<td><span><\/span><span class=\"sk-sm\"><\/span><\/td>\n\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t<td><span><\/span><span class=\"sk-sm\"><\/span><\/td>\n\t\t\t\t\t\t<td><span class=\"sk-logo\"><\/span><span><\/span><\/td>\n\t\t\t\t\t\t<td><span><\/span><span class=\"sk-sm\"><\/span><\/td>\n\t\t\t\t\t\t<td><span><\/span><span class=\"sk-sm\"><\/span><\/td>\n\t\t\t\t\t\t<td><span><\/span><span class=\"sk-sm\"><\/span><\/td>\n\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t<td><span><\/span><span class=\"sk-sm\"><\/span><\/td>\n\t\t\t\t\t\t<td><span class=\"sk-logo\"><\/span><span><\/span><\/td>\n\t\t\t\t\t\t<td><span><\/span><span class=\"sk-sm\"><\/span><\/td>\n\t\t\t\t\t\t<td><span><\/span><span class=\"sk-sm\"><\/span><\/td>\n\t\t\t\t\t\t<td><span><\/span><span class=\"sk-sm\"><\/span><\/td>\n\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<\/tbody>\n\t\t<\/table>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div class=\"sidebar wp-block-column is-layout-flow \">\n\t\t\t\t\t\t<div class=\"box extra-filters \">\n\t\t\t\t\t\t\t<div class=\"box-header\">\n\t\t\t\t\t\t\t\t<h3>Filters<\/h3>\n\t\t\t\t\t\t\t\t<button type=\"button\" class=\"close d-md-none\" aria-label=\"Close\">\n\t\t\t\t\t\t\t\t\t<span aria-hidden=\"true\">\u00d7<\/span>\n\t\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t<div style=\"text-align: center;\" class=\"wp-block-button is-style-link d-none d-md-block\">\n\t\t\t\t\t\t\t\t\t\t\t<button\n\t\t\ttype=\"button\"\n\t\t\tdata-defaults=\"{&quot;mortgage_type&quot;:&quot;purchase&quot;,&quot;house_price&quot;:&quot;500,000&quot;,&quot;down_payment&quot;:&quot;50,000&quot;,&quot;mortgage_balance&quot;:&quot;400,000&quot;,&quot;province&quot;:&quot;BC&quot;,&quot;rate_type&quot;:[&quot;fixed&quot;,&quot;variable&quot;],&quot;mortgage_term&quot;:[&quot;5&quot;,&quot;0.5&quot;,&quot;1&quot;,&quot;2&quot;,&quot;3&quot;,&quot;4&quot;],&quot;lender&quot;:null}\"\n\t\t\tclass=\"btnResetFields wp-block-button__link wp-element-button\"\n\t\t\t>Clear filters<\/button>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"box-content\">\n\t\t\t\t\t\t\t\t<input type=\"hidden\" class=\"i-hidden i-sort \" name=\"sort\" value=\"term\" title=\"Sort by\" type=\"hidden\"><div id=\"wrap-rate_type\" class=\"form-group wrap-rate-type wp-block-column is-layout-flow\"><span class=\"checkbox-title caption label\">Rate Type<\/span><div class=\"checkbox custom-control custom-checkbox\"><input type=\"checkbox\" value=\"fixed\" checked=\"checked\" class=\"nw-input i-checkbox custom-control-input i-rate_type \" id=\"rate_type_fixed\" name=\"rate_type[]\" title=\"Fixed\" placeholder=\"Rate Type\" type=\"checkbox\" \/><label class=\"custom-control-label\" for=\"rate_type_fixed\" id=\"lbl-rate_type_fixed\">Fixed<\/label><\/div><div class=\"checkbox custom-control custom-checkbox\"><input type=\"checkbox\" value=\"variable\" checked=\"checked\" class=\"nw-input i-checkbox custom-control-input i-rate_type \" id=\"rate_type_variable\" name=\"rate_type[]\" title=\"Variable\" placeholder=\"Rate Type\" type=\"checkbox\" \/><label class=\"custom-control-label\" for=\"rate_type_variable\" id=\"lbl-rate_type_variable\">Variable<\/label><\/div><\/div><div id=\"wrap-mortgage_term\" class=\"form-group wrap-mortgage-term wp-block-column is-layout-flow\"><span class=\"checkbox-title caption label\">Mortgage Term<\/span><div class=\"checkbox custom-control custom-checkbox\"><input type=\"checkbox\" value=\"0.5\" checked=\"checked\" class=\"nw-input i-checkbox custom-control-input i-mortgage_term \" id=\"mortgage_term_0.5\" name=\"mortgage_term[]\" title=\"6 months\" placeholder=\"Mortgage Term\" type=\"checkbox\" \/><label class=\"custom-control-label\" for=\"mortgage_term_0.5\" id=\"lbl-mortgage_term_0.5\">6 months<\/label><\/div><div class=\"checkbox custom-control custom-checkbox\"><input type=\"checkbox\" value=\"1\" checked=\"checked\" class=\"nw-input i-checkbox custom-control-input i-mortgage_term \" id=\"mortgage_term_1\" name=\"mortgage_term[]\" title=\"1 year\" placeholder=\"Mortgage Term\" type=\"checkbox\" \/><label class=\"custom-control-label\" for=\"mortgage_term_1\" id=\"lbl-mortgage_term_1\">1 year<\/label><\/div><div class=\"checkbox custom-control custom-checkbox\"><input type=\"checkbox\" value=\"2\" checked=\"checked\" class=\"nw-input i-checkbox custom-control-input i-mortgage_term \" id=\"mortgage_term_2\" name=\"mortgage_term[]\" title=\"2 years\" placeholder=\"Mortgage Term\" type=\"checkbox\" \/><label class=\"custom-control-label\" for=\"mortgage_term_2\" id=\"lbl-mortgage_term_2\">2 years<\/label><\/div><div class=\"checkbox custom-control custom-checkbox\"><input type=\"checkbox\" value=\"3\" checked=\"checked\" class=\"nw-input i-checkbox custom-control-input i-mortgage_term \" id=\"mortgage_term_3\" name=\"mortgage_term[]\" title=\"3 years\" placeholder=\"Mortgage Term\" type=\"checkbox\" \/><label class=\"custom-control-label\" for=\"mortgage_term_3\" id=\"lbl-mortgage_term_3\">3 years<\/label><\/div><div class=\"checkbox custom-control custom-checkbox\"><input type=\"checkbox\" value=\"4\" checked=\"checked\" class=\"nw-input i-checkbox custom-control-input i-mortgage_term \" id=\"mortgage_term_4\" name=\"mortgage_term[]\" title=\"4 years\" placeholder=\"Mortgage Term\" type=\"checkbox\" \/><label class=\"custom-control-label\" for=\"mortgage_term_4\" id=\"lbl-mortgage_term_4\">4 years<\/label><\/div><div class=\"checkbox custom-control custom-checkbox\"><input type=\"checkbox\" value=\"5\" checked=\"checked\" class=\"nw-input i-checkbox custom-control-input i-mortgage_term \" id=\"mortgage_term_5\" name=\"mortgage_term[]\" title=\"5 years\" placeholder=\"Mortgage Term\" type=\"checkbox\" \/><label class=\"custom-control-label\" for=\"mortgage_term_5\" id=\"lbl-mortgage_term_5\">5 years<\/label><\/div><\/div>\t\t\t\t\t\t\t\t<div class=\"wp-block-button \">\n\t\t\t\t\t\t\t\t\t<button type=\"submit\" class=\"btnSubmit track-submission wp-block-button__link wp-element-button full-width\">UPDATE RESULTS<\/button>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div style=\"text-align: center; margin-top: 16px;\" class=\"wp-block-button is-style-link d-md-none\">\n\t\t\t\t\t\t\t\t\t\t\t<button\n\t\t\ttype=\"button\"\n\t\t\tdata-defaults=\"{&quot;mortgage_type&quot;:&quot;purchase&quot;,&quot;house_price&quot;:&quot;500,000&quot;,&quot;down_payment&quot;:&quot;50,000&quot;,&quot;mortgage_balance&quot;:&quot;400,000&quot;,&quot;province&quot;:&quot;BC&quot;,&quot;rate_type&quot;:[&quot;fixed&quot;,&quot;variable&quot;],&quot;mortgage_term&quot;:[&quot;5&quot;,&quot;0.5&quot;,&quot;1&quot;,&quot;2&quot;,&quot;3&quot;,&quot;4&quot;],&quot;lender&quot;:null}\"\n\t\t\tclass=\"btnResetFields wp-block-button__link wp-element-button\"\n\t\t\t>Clear filters<\/button>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/form>\n\n\t\t\t\t\t<\/div>\n\n\t\t\n\n\n<p class=\"has-extra-small-font-size\">Disclaimer: The rates displayed do not include any taxes, fees, insurance, or other additional charges. These rates are estimates and are not guaranteed. The actual rate and loan terms you receive will depend on our partner\u2019s assessment of your creditworthiness, loan amounts, and other relevant factors. Please note that any potential savings figures provided are estimates based on the information you and our advertising partners have provided. Terms and conditions apply.<br>Mortgage Brokerage licensed in ON #13072, AB #2122265990, BC #X300983, MB #RW-2011175, NL #88786, NB #210042526, NS #2023-3000270, PEI #755902715, QC\u00a0#606914, SK\u00a0#508695, YT #839770<\/p>\n<\/div>\n\n\n<div class=\"c-block-in-house-promotion is-advert-style__image-small is-style-horizontal wp-block-nerdwallet-blocks-in-house-ad\">\n\n\t\t\t<div class=\"c-promotion-banner__partner-spotlight\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/plugins\/nerdwallet-blocks\/assets\/images\/nerdwallet-bug.svg\"\n\t\t\t\talt=\"Nerdwallet Logo\"\n\t\t\t\/>\n\t\t\t<span class=\"c-promotion-banner__partner-spotlight--title\">\n\t\t\t\tPartner Spotlight\t\t\t<\/span>\n\t\t<\/div>\n\t\n\t<div\n\t\tclass=\"c-block-in-house-promotion__inner\"\n\t\tstyle=\"background-image: none;\"\n\t>\n\n\t\t\t\t\t<div class='c-block-in-house-promotion__image-wrapper'>\n\t\t\t\t<div class='c-block-in-house-promotion__image'>\n\t\t\t\t\t<img decoding=\"async\" class=\"c-block-in-house-promotion__icon-img\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/05\/Screenshot-2024-05-14-at-1.18.41\u202fPM.png\" alt=\"Ad Icon\" \/>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\n\t\t<div class=\"c-block-in-house-promotion__content-wrapper c-block-in-house-promotion__no-image\">\n\t\t\t\n\t\t\t<h3 class=\"c-block-in-house-promotion__title\">Let 8Twelve find the right mortgage lender for you<\/h3>\n\t\t\t\t\t\t\t<p class=\"c-block-in-house-promotion__content\">\n\t\t\t\t\t8Twelve has partnered with over 65 Canadian mortgage lenders to provide competitive rates on over 7,000 mortgage products. 8Twelve can quickly match you with a lender and mortgage type that meets your needs \u2014 even if your financial situation is unique. <br>Click &#8220;Explore Quote&#8221; to get started! \t\t\t\t<\/p>\n\t\t\t\t\t<\/div>\n\n\t\t<div class=\"c-block-in-house-promotion__cta wp-block-button\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/8twelve-mortgage\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"nw-cta track-click-mon wp-block-button__link wp-element-button\" data-placement=\"Promotional banner\">EXPLORE QUOTE<\/a><\/div>\t<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"update\"><strong>B.C. mortgage rate update: April 202<\/strong>5<\/h2>\n\n\n<div class=\"has-background has-lightest-green-background-color  wp-block-post-author has-large-font-size\"><div class=\"wp-block-post-author__avatar\"><img alt='' decoding=\"async\" src='https:\/\/secure.gravatar.com\/avatar\/9a0103575184ab914148bee0093231f8?s=48&#038;d=mm&#038;r=g' srcset='https:\/\/secure.gravatar.com\/avatar\/9a0103575184ab914148bee0093231f8?s=96&#038;d=mm&#038;r=g 2x' class='avatar avatar-48 photo avatar-default' height='48' width='48' \/><\/div><div class=\"wp-block-post-author__content\"><p class=\"wp-block-post-author__byline\"><strong>NerdWallet Mortgage Expert\/Spokesperson<\/strong><\/p><p class=\"wp-block-post-author__name\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/cjarvis\" target=\"_self\">Clay Jarvis<\/a><\/p><\/div><\/div>\n\n\n<p class=\"\">B.C. mortgage shoppers may have been disappointed on April 16, 2025, when the Bank of Canada decided to hold its overnight rate at 2.75%. The rate hold means variable mortgage rates will stay at their current levels \u2014 around 4% at some brokerages, though higher at Canada\u2019s biggest banks \u2014 until at least June 4, when the Bank is scheduled to make its next rate decision.<\/p>\n\n\n\n<p class=\"\">Fortunately, fixed mortgage rates in B.C. remain fairly approachable.<\/p>\n\n\n\n<p class=\"\">As of April 16, some brokerages were offering three-year fixed rates for around 3.7% and five-year fixed rates for about 3.75%. Those aren\u2019t mind-blowingly low rates, but they might be as good as they\u2019re going to get for the time being.&nbsp;<\/p>\n\n\n\n<p class=\"\">Government bond yields, which help determine lenders\u2019 fixed mortgage rates, have been in the same general range since February. Without a significant, sustained dip in yields, lenders won\u2019t have much reason to lower their fixed rates.<\/p>\n\n\n\n<p class=\"\">While rates may not improve in the coming weeks, home buyers have a few things working in their favour. Housing stock is piling up, which should take some pressure off of home prices, and Donald Trump\u2019s tariff war may not be the extinction-level event many had feared.&nbsp;<\/p>\n\n\n\n<p class=\"\">If you have job security, it\u2019s actually not a bad time to be looking for a home.<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div style=\"height:0px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Historical trend: New mortgage loans in B.C.<\/strong><\/h2>\n\n\n<div class=\"c-block-infogram-widget\"><div class=\"infogram-embed\" data-id=\"018f55c2-8beb-4e5e-9d59-ac4503546abd\" data-type=\"interactive\"><\/div><script>!function(e,t,s,i){var n=\"InfogramEmbeds\",o=e.getElementsByTagName(\"script\"),d=o[0],r=\/^http:\/.test(e.location)?\"http:\":\"https:\";if(\/^\\\/{2}\/.test(i)&&(i=r+i),window[n]&&window[n].initialized)window[n].process&&window[n].process();else if(!e.getElementById(s)){var a=e.createElement(\"script\");a.async=1,a.id=s,a.src=i,d.parentNode.insertBefore(a,d)}}(document,0,\"infogram-async\",\"\/\/e.infogram.com\/js\/dist\/embed-loader-min.js\");<\/script><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>The average mortgage rate in B.C.<\/strong><\/h2>\n\n\n\n<p class=\"\">There\u2019s no single average for mortgage rates in British Columbia. Even if you had access to all the <a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/current-mortgage-rates-in-canada\" target=\"_blank\" rel=\"noreferrer noopener\">current mortgage rates<\/a> being offered by lenders in B.C., it wouldn\u2019t be much help when you\u2019re mortgage shopping. That\u2019s because the mortgage offer you receive is always specific to you and takes into account multiple factors like your credit score, the type of mortgage you want and the amount you need to borrow.<\/p>\n\n\n\n<p class=\"\">Think about the \u201caverage mortgage rate\u201d the way you would B.C.\u2019s average home price. It\u2019s interesting data to have, but it\u2019s not necessarily relevant to your own home buying journey.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"forecast\">2025 <strong>B.C. mortgage rate<\/strong> forecast<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-layout-1 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\">Variable mortgage rates<\/h3>\n\n\n\n<p class=\"\">After the Bank of Canada\u2019s fifth consecutive overnight rate cut on December 11, 2024, variable mortgage rates were down 1.75% since June. That&#8217;s a lot of action from a central bank with a conservative reputation.<\/p>\n\n\n\n<p class=\"\">The Bank likely won&#8217;t be as aggressive in 2025, as it has to wait for its most recent cuts to work their way through the economy. The overnight rate might decrease by another 50 basis points in the first half of 2025, which would bring variable mortgage rates down by another 0.5%.  <\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\">Fixed mortgage rates<\/h3>\n\n\n\n<p class=\"\">Because they\u2019re determined by the government bond market, which is driven by investors&#8217; decisions, fixed mortgage rates can be difficult to project over the long-term.<\/p>\n\n\n\n<p class=\"\">The mortgage brokers NerdWallet spoke to at the end of 2024 all expect fixed mortgage rates to remain relatively static for the next several months. That assumption, however, flies in the face of evidence from the government bond market. Bond yields, which determine fixed mortgage rates, cratered for three weeks straight starting on November 21. When yields fall consistently, it gives lenders the wiggle room to lower their fixed rates.<\/p>\n\n\n\n<p class=\"\">So, fixed rates could fall to begin the year, but lenders might keep them at current levels for a strategic reason: Lower fixed rates might entice home buyers away from the more expensive variable-rate mortgages they&#8217;ve been gobbling up to end 2024. <\/p>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><\/h3>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-layout-2 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-nerdwallet-blocks-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-nerdwallet-blocks-button has-green-color has-text-color has-link-color wp-elements-58d51e20bb7e6ef96cfb67e95a184e2f\"><a class=\"wp-block-nerdwallet-blocks-button__link\" href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/canada-mortgage-payment-calculator\"><span class=\"wp-block-nerdwallet-blocks-button__link-text\"><strong>Mortgage Payment Calculator<\/strong><\/span><div class=\"wp-block-nerdwallet-blocks-button__link-icon wp-block-nerdwallet-blocks-button__source-icon has-icon-position-before\" style=\"height:36px;width:36px\"><svg width=\"36\" height=\"36\" viewBox=\"0 0 36 36\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M33.2803 17.4594L18.8545 3.53192C18.6332 3.31744 18.337 3.19751 18.0288 3.19751C17.7206 3.19751 17.4244 3.31744 17.203 3.53192L6.98483 13.3561V5.5402C6.98491 5.51082 6.99078 5.48175 7.0021 5.45464C7.01343 5.42753 7.02997 5.40291 7.05081 5.3822C7.07164 5.36149 7.09635 5.34508 7.12353 5.33391C7.1507 5.32275 7.17981 5.31705 7.20919 5.31713H10.671C10.7303 5.31713 10.7871 5.34059 10.8292 5.38239C10.8712 5.42419 10.895 5.48092 10.8953 5.5402V6.75585C10.8953 6.88372 10.9461 7.00635 11.0365 7.09677C11.127 7.18719 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21.3645 16.9009 21.2098V21.2073ZM18.5781 24.8439L18.5659 22.6126C18.8489 22.649 19.1122 22.7771 19.3155 22.9774C19.5188 23.1777 19.6509 23.439 19.6915 23.7215C19.6575 24.0059 19.5294 24.2707 19.3277 24.4741C19.126 24.6774 18.8622 24.8076 18.5781 24.8439Z\" fill=\"black\" stroke=\"black\" stroke-width=\"0.3\"><\/path>\n<\/svg>\n<\/div><\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-nerdwallet-blocks-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-nerdwallet-blocks-button has-green-color has-text-color has-link-color wp-elements-7a04da6077785bf05e5bcf5fbc36d462\"><a class=\"wp-block-nerdwallet-blocks-button__link\" href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/canada-mortgage-affordability-calculator\"><span class=\"wp-block-nerdwallet-blocks-button__link-text\"><strong>Mortgage Affordability Calculator<\/strong><\/span><div 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11.578C17.1963 11.5001 17.1355 11.4075 17.0945 11.3059C17.0419 11.0833 17.0616 10.8499 17.1506 10.6393C17.2396 10.4287 17.3934 10.2519 17.5896 10.1346L18.2247 11.86C17.9926 11.8839 17.7583 11.8488 17.5435 11.7581V11.76ZM20.1893 12.6721C20.2906 12.7142 20.3824 12.7761 20.4595 12.8541C20.5365 12.932 20.5973 13.0245 20.6383 13.1262C20.6904 13.3477 20.6707 13.58 20.5821 13.7896C20.4936 13.9992 20.3408 14.1752 20.1457 14.2923L19.5114 12.5675C19.7424 12.5441 19.9756 12.5794 20.1893 12.6702V12.6721Z\" fill=\"black\" stroke=\"black\" stroke-width=\"0.3\"><\/path>\n<\/svg>\n<\/div><\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"price\">Average home prices in B.C.<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-layout-3 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\"><div class=\"c-block-infogram-widget wp-block-nerdwallet-blocks-infogram\">\n\t\n<div class=\"infogram-embed\" data-id=\"bc-crea-average-prices-1h984wv0nzked2p?live\" data-type=\"interactive\"><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<div class=\"wp-block-group has-lightest-green-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"\">Tariffs, and the resulting economic uncertainty, kept buyers on the sidelines in March. Home sales in B.C. fell nearly 10% in March, according to the British Columbia Real Estate Association. Year-over-year sales fell at about the same rate across Canada in March.&nbsp;<\/p>\n\n\n\n<p class=\"\">The average residential home price in B.C. was $963,323 in March \u2014 a 4.8% drop from March 2024.&nbsp;<\/p>\n\n\n\n<p class=\"\">Average March prices in major B.C. markets included:<\/p>\n\n\n\n<ul class=\"\">\n<li class=\"\">Greater Vancouver: $1,239,418.<\/li>\n\n\n\n<li class=\"\">Vancouver Island: $779,368.<\/li>\n\n\n\n<li class=\"\">Fraser Valley: $1,033,273.<\/li>\n\n\n\n<li class=\"\">Victoria: $988,012.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>B.C. home sales and price forecast<\/strong><\/h3>\n\n\n\n<p class=\"\">The Canadian Real Estate Association\u2019s most recent housing market forecast, released on April 15, contained mostly downgraded expectations. In B.C. CREA\u2019s year-over-year sales activity estimate for 2025 was revised down, from a 14.2% increase to a 1.1%&nbsp;decrease. The projected average sale price for the province also declined, from $1,001,871 to $977,435.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"first\"><strong>B.C. first-time home buyer programs<\/strong><\/h2>\n\n\n\n<p class=\"\">If you\u2019re a <a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/first-time-home-buyer-bc\">first-time home buyer in B.C.<\/a>, you may qualify for programs, including:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>First-Time Home Buyers\u2019 Program<\/strong><\/h3>\n\n\n\n<p class=\"\">This program can cut up to $8,000 from the land transfer tax owed on houses valued at $500,000 or less.<a href=\"#sources\" class=\"js-scroll-to\" rel=\"nofollow noopener noreferrer\" target=\"_self\">[1]<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Home Owner Grant<\/strong><\/h3>\n\n\n\n<p class=\"\">Reduce your property taxes if the home is your principal residence. This program isn\u2019t limited to only first-time home buyers.<a href=\"#sources\" class=\"js-scroll-to\" rel=\"nofollow noopener noreferrer\" target=\"_self\">[2]<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Newly Built Home Exemption<\/strong><\/h3>\n\n\n\n<p class=\"\">The exemption reduces property transfer taxes on newly built homes worth less than $800,000.<a href=\"#sources\" class=\"js-scroll-to\" rel=\"nofollow noopener noreferrer\" target=\"_self\">[3]<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Land transfer tax<\/strong>es in B.C.<\/h3>\n\n\n\n<p class=\"\">The B.C. <a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/what-is-land-transfer-tax\">land transfer tax<\/a> is a tax the purchaser of a home pays.<a href=\"#sources\" class=\"js-scroll-to\" rel=\"nofollow noopener noreferrer\" target=\"_self\">[4]<\/a> The amount you pay is based on the value of your home, and the tiered-rate system means more expensive homes result in a higher rate. You\u2019ll pay:<\/p>\n\n\n\n<ul class=\"\">\n<li class=\"\">1% for the first $200,000 of your home\u2019s value.<\/li>\n\n\n\n<li class=\"\">2% for any amount between $200,001 and $2,000,000.<\/li>\n\n\n\n<li class=\"\">3% for any amount greater than $2,000,000<\/li>\n<\/ul>\n\n\n\n<p class=\"\">The above rates cover the most common transactions. However, you\u2019ll face different rates under some circumstances, including if:<\/p>\n\n\n\n<ul class=\"\">\n<li class=\"\">You\u2019re a foreign national.<\/li>\n\n\n\n<li class=\"\">The home is worth more than $3 million.<\/li>\n\n\n\n<li class=\"\">The property includes a farm.<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-nerdwallet-blocks-accordion\"><div class=\"c-block-accordion-wrapper\"><div class=\"c-block-accordion-list\"><div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\">\n\t\t<div>\n\t\t\t<div class=\"c-block-accordion-item__title\">B.C. Land transfer tax calculator<\/div>\n\t\t\t\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\t<div class=\"c-block-accordion-item__content\">\n\t\t\n<div class=\"wp-block-nerdwallet-blocks-accordion-item\">\n\t<pre style=\"display:none !important;\"><script type=\"text\/javascript\">\n\t function doValidate_1(form)\n\t {\n        window['cff_enabling_form' ] = function(_form){\n            if(!(_form instanceof $dexQuery)) _form = $dexQuery(_form);\n            _form.removeData('being-submitted');\n            _form.find('.submitbtn-disabled').removeClass('submitbtn-disabled');\n            _form.find('.cff-processing-form').remove();\n        };\n        window['cff_disabling_form'] = function(_form){\n            if(!(_form instanceof $dexQuery)) _form = 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form_identifier)\n\t\t\t\t{\n\t\t\t\t\t$dexQuery(document).off('equationsQueueEmpty');\n\t\t\t\t\tvalidation_rules['no_pending']  = true;\n\t\t\t\t\tprocessing_form();\n\t\t\t\t}\n\t\t\t});\n\t\t}\n\t\t\/* End :1 *\/\n\t\tif (validation_rules['fields_validation_error'])\n\t\t{\n\t\t\t\t\tprocessing_form();\n\t\t\t\t}\n\t\telse\n\t\t{\n\t\t\tenabling_form();\n\t\t}\n\t\treturn false;\n\t}\n\t<\/script><\/pre>\n\t<form name=\"cp_calculatedfieldsf_pform_1\" id=\"cp_calculatedfieldsf_pform_1\" action=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/mortgage-rates-bc\" method=\"post\" enctype=\"multipart\/form-data\" onsubmit=\"return doValidate_1(this);\" class=\"cff-form \">\n\t\t\t<input type=\"hidden\" name=\"cp_calculatedfieldsf_pform_psequence\" value=\"_1\" \/><input type=\"hidden\" name=\"cp_calculatedfieldsf_pform_process\" value=\"1\" \/><input type=\"hidden\" name=\"cp_calculatedfieldsf_id\" value=\"1464\" \/><input type=\"hidden\" name=\"cp_ref_page\" value=\"https:\/\/www.nerdwallet.com\/ca\" \/><pre style=\"display:none !important;\"><script type=\"text\/javascript\">form_structure_1=[[{\"form_identifier\":\"\",\"name\":\"fieldname3\",\"shortlabel\":\"\",\"index\":0,\"ftype\":\"ffieldset\",\"userhelp\":\"\",\"userhelpTooltip\":false,\"tooltipIcon\":false,\"csslayout\":\"\",\"fields\":[\"fieldname2\",\"fieldname1\"],\"columns\":\"1\",\"rearrange\":true,\"title\":\"\",\"collapsible\":false,\"defaultCollapsed\":true,\"collapsed\":false,\"fBuild\":{},\"parent\":\"\"},{\"form_identifier\":\"\",\"name\":\"fieldname2\",\"shortlabel\":\"\",\"index\":1,\"ftype\":\"fnumber\",\"userhelp\":\"\",\"userhelpTooltip\":false,\"tooltipIcon\":false,\"csslayout\":\"\",\"title\":\"Home 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(fieldname2 \\u003C= 3000000) {\\n        return PREC(((2000 + 36000) + (.03 * (fieldname2 - 2000000))), 2);\\n    } else if (fieldname2 \\u003C= 50000000) {\\n        return PREC(((2000 + 36000 + 30000) + (.05 * (fieldname2 - 3000000))), 2);\\n}\\n})();\\n\",\"min\":\"\",\"max\":\"\",\"suffix\":\"\",\"prefix\":\"$\",\"decimalsymbol\":\".\",\"groupingsymbol\":\",\",\"readonly\":true,\"currency\":true,\"noEvalIfManual\":true,\"formatDynamically\":false,\"hidefield\":false,\"fBuild\":{},\"parent\":\"fieldname3\"}],{\"0\":{\"title\":\"B.C. Land Transfer Tax\",\"description\":\"Estimate how much a home purchase could cost you in taxes\",\"formlayout\":\"top_aligned\",\"formtemplate\":\"cp_cff_13\",\"request_cost\":\"fieldname1\",\"evalequations\":1,\"evalequationsevent\":2,\"loading_animation\":0,\"autocomplete\":1,\"persistence\":0,\"animate_form\":0,\"customstyles\":\"\"},\"formid\":\"cp_calculatedfieldsf_pform_1\",\"setCache\":false,\"cache\":false}];<\/script><\/pre>\n\t\t<div id=\"fbuilder\">\n\t\t\t\t\t\t<div id=\"fbuilder_1\">\n\t\t\t\t<div id=\"formheader_1\"><\/div>\n\t\t\t\t<div id=\"fieldlist_1\"><\/div>\n                <div class=\"clearer\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div id=\"cpcaptchalayer_1\" class=\"cpcaptchalayer\" style=\"display:none;\">\n\t\t\t            \t\t\t<div class=\"fields\" id=\"field-c0\" style=\"display:none\">\n\t\t\t\t<label>Payment options<\/label>\n\t\t\t\t<div class=\"dfield\">\n\t\t\t\t \t\t\t\t <!--addons-payment-options-->\n    \t\t\t \t\t\t\t<\/div>\n\t\t\t\t<div class=\"clearer\"><\/div>\n\t\t\t<\/div>\n\t\t\t<!--addons-payment-fields-->\n\t\t\t\t\t\t<!--add-ons-->\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"clearer\"><\/div>\n\t\t<\/div>\n\t\t<\/form>\n\n<\/div>\n\t<\/div>\n<\/div>\n<\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Guide to B.C. mortgage rates<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Types of lenders in B.C.<\/strong><\/h3>\n\n\n\n<ul class=\"\">\n<li class=\"\">Large chartered banks such as <a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/scotiabank-mortgage-rates\">Scotiabank<\/a>, <a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/rbc-mortgage-rates\">RBC<\/a> and <a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/td-mortgage-rates\">TD<\/a>.&nbsp;<\/li>\n\n\n\n<li class=\"\">Credit unions.<\/li>\n\n\n\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/understanding-b-lender-mortgages\">B lenders<\/a> that work with borrowers with lower credit scores, such as <a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/mcan-mortgage-corporation-review\">MCAN<\/a> and <a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/equitable-bank-mortgage-review\">Equitable Bank<\/a>.&nbsp;<\/li>\n\n\n\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/what-you-need-to-know-before-getting-a-private-mortgage\">Private lenders<\/a>, who typically deal with borrowers in need of short-term funding.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Types of mortgages in B.C.<\/strong><\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-layout-4 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<h3 class=\"wp-block-heading\">Fixed-rate mortgages<\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"\">The interest rate stays the same for the duration of the mortgage term in a fixed-rate mortgage, even if the market fluctuates. Fixed rates typically:<\/p>\n\n\n\n<ul class=\"\">\n<li class=\"\">Are higher than variable interest rates.<\/li>\n\n\n\n<li class=\"\">Provide a greater sense of certainty. You can count on it remaining stable for the length of the mortgage term.&nbsp;<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-layout-5 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<h3 class=\"wp-block-heading\">Variable-rate mortgages<\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"\">Variable mortgage rates increase or decrease whenever your lender\u2019s prime rate increases or decreases. Variable-rate mortgages typically have rates that:<\/p>\n\n\n\n<ul class=\"\">\n<li class=\"\">Can be lower than fixed rates at the time you apply for mortgages. Variable rates can save borrowers money over the length of their mortgage \u2014 but only if rates remain the same or fall.&nbsp;<\/li>\n\n\n\n<li class=\"\">Can increase throughout a mortgage term. When interest rates go up, the monthly payment on a variable-rate mortgage can become more expensive.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-layout-6 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<h3 class=\"wp-block-heading\"><strong>Hybrid-rate mortgage<\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"\">One portion of your mortgage is subject to a variable rate and the other portion is at a fixed rate of interest. These mortgages:<\/p>\n\n\n\n<ul class=\"\">\n<li class=\"\">Can dampen the impact of fluctuating interest rates in a particularly turbulent or uncertain economy.&nbsp;<\/li>\n\n\n\n<li class=\"\">Tend to be more difficult to transfer between lenders.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-layout-7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<h3 class=\"wp-block-heading\"><strong>Insured vs. uninsured mortgages<\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"\">If you make a down payment of less than 20% on a home costing under $1 million, you must <a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/what-is-mortgage-insurance\">insure your mortgage<\/a>. Mortgage insurance adds to the cost of your loan. You pay a percentage of your mortgage amount, and the percentage depends on your down payment \u2014 the closer it is to 20%, the smaller your insurance payment is.<\/p>\n\n\n\n<p class=\"\">Homes worth $1 million or more require a down payment of at least 20%, so insurance is not required.&nbsp;<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-layout-8 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<h3 class=\"wp-block-heading\"><strong>Short-term vs. long-term mortgages<\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"\">Short-term mortgages last five years or less. Long-term mortgages last over five years. With a shorter term, you\u2019ll need to <a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/guide-to-mortgage-renewal-bc\">renew your B.C. mortgage<\/a> sooner, which can provide flexibility. Short-term mortgages often have lower interest rates than long-term mortgage rates.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-layout-9 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<h3 class=\"wp-block-heading\"><strong>Closed vs. open mortgages<\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"\">The main difference between closed and open mortgages is that you can pay off an open mortgage whenever you like and not pay a penalty; if you make additional payments on a closed mortgage, you\u2019ll generally be penalized.<\/p>\n\n\n\n<p class=\"\">Closed mortgages often offer better rates than open mortgages. But open rate mortgages may be a good option if you think you may be able to pay off your mortgage early.<\/p>\n\n\n\n<p class=\"\"><strong>\u00bb MORE: <\/strong><a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/open-vs-closed-mortgage\">Understanding open and closed mortgages<\/a><\/p>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"lenders\"><strong>How B.C. lenders determine mortgage rates<\/strong><\/h2>\n\n\n\n<p class=\"\">The mortgage rate you\u2019re offered by a lender in British Columbia will be based on two primary factors; one based on the state of the economy and one based on your financial situation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Economic factors<\/strong><\/h3>\n\n\n\n<p class=\"\">Variable mortgage rates are influenced by the Bank of Canada\u2019s overnight rate. When the overnight rate increases or decreases, a lender\u2019s prime rate follows suit. Variable mortgage rates are based on a lender\u2019s prime rate, so as the prime rate rises or falls, so do <a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/5-year-variable-mortgage-rates\">variable rates<\/a>.&nbsp;<\/p>\n\n\n\n<p class=\"\">Fixed mortgage rates are determined by activity in the government bond market, particularly the yields on one-, three- and five-year bonds. Fixed mortgage rates follow the movement of those yields.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Your financial situation<\/strong><\/h3>\n\n\n\n<p class=\"\">Factors specific to you also affect the rates you\u2019re offered. These include:<\/p>\n\n\n\n<ul class=\"\">\n<li class=\"\">Your credit score.<\/li>\n\n\n\n<li class=\"\">Your income.<\/li>\n\n\n\n<li class=\"\">Your total debts.<\/li>\n\n\n\n<li class=\"\">The loan type you choose.<\/li>\n\n\n\n<li class=\"\">The amount you\u2019re borrowing.<\/li>\n\n\n\n<li class=\"\">The term length and amortization period of your loan.<\/li>\n<\/ul>\n\n\n\n<p class=\"\">Lenders look for signs of risk when assessing these aspects of your finances. The riskier they perceive you to be as a borrower, the higher the rate they\u2019re likely to offer you.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>How to qualify for a lower mortgage rate in B.C.<\/strong><\/h3>\n\n\n\n<p class=\"\">Some factors behind rates are beyond your control, but there are steps you can take to encourage lenders to offer you the <a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/mortgage-rates-canada\">best mortgage rates<\/a>. For example, you can:<\/p>\n\n\n\n<ul class=\"\">\n<li class=\"\"><strong>Improve your credit score.<\/strong> To start, pay down any outstanding debt and pay off every bill in full. <\/li>\n\n\n\n<li class=\"\"><strong>Increase your income.<\/strong> This isn\u2019t always easy, but any additional income will improve your financial position. <\/li>\n\n\n\n<li class=\"\"><strong>Decrease your total debts.<\/strong> Pay down any personal loans, student loans or other types of debts. <\/li>\n\n\n\n<li class=\"\"><strong>Consider all your options. <\/strong>See if adjusting the loan type, the term length or the amortization period of your loan could help.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Factors that affect mortgage affordability in B.C.<\/strong><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Mortgage term<\/strong><\/h4>\n\n\n\n<p class=\"\">The term is the length of time your mortgage contract is valid. In Canada, mortgage terms can run anywhere from six months to as long as 10 years.<\/p>\n\n\n\n<p class=\"\">Chances are that your mortgage will have multiple terms during the amortization period until you pay it off in full.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Amortization period<\/strong><\/h4>\n\n\n\n<p class=\"\">A mortgage\u2019s amortization period is the time it will take to pay off the loan in full. In Canada, the most common amortization period is 25 years. If your down payment is less than 20%, you can\u2019t have an amortization beyond 25 years.&nbsp;<\/p>\n\n\n\n<p class=\"\">If your down payment is greater than 20%, you may find some lenders willing to offer amortization periods of up to 35 years.<\/p>\n\n\n\n<p class=\"\">Why would you want a shorter amortization period? You\u2019ll pay less interest overall and potentially save thousands of dollars. A shorter amortization period, however, will result in higher monthly payments.<\/p>\n\n\n\n<div class=\"wp-block-nerdwallet-blocks-faq c-block-faq\" itemscope itemtype=\"https:\/\/schema.org\/FAQPage\"><div class=\"c-block-faq__wrapper\"><div class=\"c-block-faq__header\"><h2 class=\"c-block-faq__title\">Frequently asked questions for B.C. mortgage rates<\/h2><\/div><div class=\"c-block-faq__section-list\">\n<div class=\"wp-block-nerdwallet-blocks-faq-section\"><div class=\"c-block-faq-section c-block-accordion-wrapper\"><div class=\"c-block-accordion-list\">\n<div class=\"c-block-faq-item c-block-accordion-item c-block-accordion-item--active\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"c-block-accordion-item__header\"><div class=\"c-block-accordion-item__title\" itemprop=\"name\"><strong><strong>What\u2019s a good mortgage rate in B.C. right now?<\/strong><\/strong><\/div><\/div><div class=\"c-block-accordion-item__content\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div class=\"wp-block-nerdwallet-blocks-faq-item\" itemprop=\"text\">\n<p class=\"\">As of April 2025, some mortgage brokers in B.C. were offering fixed rates for around 3.7% and variable rates below 4%. The rate offers you receive depend on factors like your credit score, total debt level and income, and whether you apply at a major bank or through a mortgage broker.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"c-block-faq-item c-block-accordion-item\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"c-block-accordion-item__header\"><div class=\"c-block-accordion-item__title\" itemprop=\"name\">Will mortgage rates come down in 2025?<\/div><\/div><div class=\"c-block-accordion-item__content\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div class=\"wp-block-nerdwallet-blocks-faq-item\" itemprop=\"text\">\n<p class=\"\">Mortgage rates may decrease further in the first half of 2025. The Bank of Canada might reduce its overnight rate again in June, which would lower variable mortgage rates by 0.25% versus today&#8217;s levels. Fixed mortgage rates will likely continue hovering between 3.75% and 4.25% for much of the year.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"c-block-citation wp-block-nerdwallet-blocks-accordion\" id=\"sources\">\n\t<div class=\"c-block-accordion-wrapper\">\n\t\t<div class=\"c-block-accordion__header\">\n\t\t\t<h2 class=\"c-block-accordion__title\">\n\t\t\t\tArticle Sources\t\t\t<\/h2>\n\t\t<\/div>\n\t\t<div class=\"c-block-accordion-list\">\n\t\t\t<div class=\"c-block-accordion-item c-block-accordion-item--active c-block-accordion-item--opened\">\n\t\t\t\t<div class=\"c-block-accordion-item__header\">\n\t\t\t\t\t<div class=\"c-block-accordion-item__title\">\n\t\t\t\t\t\tWorks Cited\t\t\t\t\t<\/div>\n\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"c-block-accordion-item__content\">\n\t\t\t\t\t<div class=\"wp-block-nerdwallet-blocks-accordion-item\">\n\t\t\t\t\t\t<ol class=\"card-citation-lists\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"citation-list-item\">\n\t\t\t\t\t\t\t\t\t<div class=\"citation-list-item__wrapper\">\n\t\t\t\t\t\t\t\t\t\t<span>Government of British Columbia<\/span>, &#8220;<a href=\"https:\/\/www2.gov.bc.ca\/gov\/content\/taxes\/property-taxes\/property-transfer-tax\/exemptions\/first-time-home-buyers\" rel=\"nofollow noopener noreferrer\" target=\"_blank\">First time home buyers&#039; program<\/a>,&#8221; accessed September 5, 2024.\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"citation-list-item\">\n\t\t\t\t\t\t\t\t\t<div class=\"citation-list-item__wrapper\">\n\t\t\t\t\t\t\t\t\t\t<span>Government of British Columbia<\/span>, &#8220;<a href=\"https:\/\/www2.gov.bc.ca\/gov\/content\/taxes\/property-taxes\/annual-property-tax\/home-owner-grant\" rel=\"nofollow noopener noreferrer\" target=\"_blank\">Home owner grant<\/a>,&#8221; accessed September 5, 2024.\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"citation-list-item\">\n\t\t\t\t\t\t\t\t\t<div class=\"citation-list-item__wrapper\">\n\t\t\t\t\t\t\t\t\t\t<span>Government of British Columbia<\/span>, &#8220;<a href=\"https:\/\/www2.gov.bc.ca\/gov\/content\/taxes\/property-taxes\/property-transfer-tax\/exemptions\/newly-built-home-exemption\" rel=\"nofollow noopener noreferrer\" target=\"_blank\">Newly built home exemption<\/a>,&#8221; accessed September 5, 2024.\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"citation-list-item\">\n\t\t\t\t\t\t\t\t\t<div class=\"citation-list-item__wrapper\">\n\t\t\t\t\t\t\t\t\t\t<span>Government of British Columbia<\/span>, &#8220;<a href=\"https:\/\/www.google.com\/url?q=https:\/\/www2.gov.bc.ca\/gov\/content\/taxes\/property-taxes\/property-transfer-tax&#038;sa=D&#038;source=docs&#038;ust=1725546608486101&#038;usg=AOvVaw38IYueaBJhbE_PXCJDQyg7\" rel=\"nofollow noopener noreferrer\" target=\"_blank\">Property transfer tax<\/a>,&#8221; accessed September 5, 2024.\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ol>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n\n<div class=\"nwb-authors nwb-authors__footer wp-block-nerdwallet-blocks-authors-card\">\n\t<div class=\"nwb-authors__wrapper\">\n\t\t<h4 class=\"nwb-authors__title\">\n\t\t\tAbout the Author\t\t<\/h4>\n\n\t\t\t\t\t<div class=\"nwb-authors__content\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/kurt-woock\">\n\t\t\t\t\t\t<img\n\t\t\t\t\t\t\tclass=\"nwb-authors__image\"\n\t\t\t\t\t\t\tsrc=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2023\/07\/kurt-woock-100x100.jpeg\"\n\t\t\t\t\t\t\twidth=\"120\" height=\"120\"\n\t\t\t\t\t\t\talt=\"Kurt Woock photo\"\n\t\t\t\t\t\t\/>\n\t\t\t\t\t<\/a>\n\t\t\t\t\n\t\t\t\t<div>\n\t\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/kurt-woock\">\n\t\t\t\t\t\t<strong>Kurt Woock<\/strong>\n\t\t\t\t\t<\/a>\n\n\t\t\t\t\t<div class=\"nwb-authors__bio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Kurt Woock started writing for NerdWallet in 2021 and has covered mortgages, cryptocurrency, electric vehicles and small business software. Prior to joining NerdWallet, Kurt worked for the Colorado Public Employees&#039;&hellip;<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/kurt-woock\" title=\"Read more about Kurt Woock\">\n\t\t\t\t\t\t\t<span>Read more about Kurt Woock and explore their articles<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<\/div>\n<\/div>\n\n\n\n\t<section class=\"c-block-card-grid container\"\n\t\t\t>\n\t\t\t\t\t<h4 class=\"c-block-card-grid__title\">\n\t\t\t\tDIVE EVEN DEEPER\t\t\t<\/h4>\n\t\t\n\t\t<div class=\"c-block-card-grid-scroll column-four\">\n\t\t\t<div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-5889\" class=\"c-block-card post-5889 page type-page status-publish has-post-thumbnail hentry content-classification-mortgages topic-buying-or-selling-real-estate cluster-buying-real-estate\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/first-time-home-buyer-bc\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"460\" height=\"198\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/04\/GettyImages-929884106-e1650654353983-460x198.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"B.C. First-Time Home Buyer Guide\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/first-time-home-buyer-bc\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tB.C. First-Time Home Buyer Guide\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>To succeed in British Columbia\u2019s competitive housing market, first-time buyers should get their finances in order and explore grants and assistance programs that can improve affordability.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/clay-jarvis\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/IMG_20220329_114424-150x150.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Clay Jarvis<\/a><a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/kurt-woock\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2023\/07\/kurt-woock-40x40.jpeg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Kurt Woock<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-5889 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-4597\" class=\"c-block-card post-4597 page type-page status-publish has-post-thumbnail hentry content-classification-mortgages topic-mortgage-rates cluster-compare-mortgage-rates\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/mortgage-rates-canada\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"460\" height=\"198\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/GettyImages-1270110980-e1647903056478-460x198.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"The Best Mortgage Rates in Canada\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/mortgage-rates-canada\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tThe Best Mortgage Rates in Canada\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>Quickly explore Canadian mortgage rates from bank and non-bank lenders. Find the best fixed or variable mortgage rate for your home buying needs.  <\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/clay-jarvis\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/IMG_20220329_114424-150x150.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Clay Jarvis<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-4597 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-15067\" class=\"c-block-card post-15067 page type-page status-publish has-post-thumbnail hentry content-classification-mortgages topic-mortgage-calculator cluster-all-mortgage-calculators\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/bc-mortgage-payment-calculator\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"435\" height=\"290\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/11\/GettyImages-1371867761-435x290.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"B.C. Mortgage Calculator\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/bc-mortgage-payment-calculator\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tB.C. Mortgage Calculator\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>Use this free BC mortgage calculator to estimate your monthly mortgage payments, and see how rates and amortization affect total cost over time.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-15067 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-23435\" class=\"c-block-card post-23435 page type-page status-publish has-post-thumbnail hentry content-classification-mortgages topic-mortgage-calculator cluster-all-mortgage-calculators\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/canada-mortgage-affordability-calculator\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"435\" height=\"290\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2023\/02\/GettyImages-1369972502-435x290.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"Calculator: How Much Mortgage Can You Afford?\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/canada-mortgage-affordability-calculator\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tCalculator: How Much Mortgage Can You Afford?\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>Use our mortgage affordability calculator to see how your interest rate, down payment and debt ratios affect your housing budget.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-23435 -->\n<\/div>\t\t<\/div>\n\t<\/section>\n\n\n\n","protected":false},"excerpt":{"rendered":"<p>Compare B.C. mortgage rates from Canada\u2019s top lenders and brokers in minutes. Easily find the best mortgage rate for your needs.<\/p>\n","protected":false},"author":25,"featured_media":4857,"parent":106,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_is_hidden":false,"apple_news_is_paid":false,"apple_news_is_preview":false,"apple_news_is_sponsored":false,"apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"middle","apple_news_slug":"","apple_news_sections":"[\"https:\\\/\\\/news-api.apple.com\\\/sections\\\/258a2d7c-962b-47be-93aa-4e3a3f4b4a02\"]","apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":"[]","_nw_pros_cons_block_schema":""},"content-classification":[16],"topic":[119],"cluster":[242],"pp_author":[880],"acf":[],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best Mortgage Rates: B.C. - NerdWallet Canada<\/title>\n<meta name=\"description\" content=\"Compare B.C. mortgage rates from Canada\u2019s top lenders and brokers in minutes. 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