Mortgage Term: 6 Month Fixed.
Rates From: 2.99% – 5.50%

6 Month Fixed at 2.99% Mortgage Rate – Payments $2,368/mo on $500K

Introducing Rate Relief — Canada’s Lowest Intro Mortgage Rate

Need extra cash for closing costs or moving expenses? Our Rate Relief mortgage gives you ultra-low payments for the first 6 months, easing the financial pressure during your transition into a new home.

After 6 months, you can seamlessly renew into one of our competitive longer-term rates — no stress, no surprises. Prefer not to renew? That’s okay too — a 1% admin fee applies if you decide to move on.

Who it’s for:

• New purchases and mortgage switches

• Owner-occupied homes under $1M

• Properties with valid default insurance (if over $1M)

Less pressure now. More flexibility later. That’s Rate Relief.

Mortgage Term: 1 Year Fixed.
Rates From: 4.99% – 6.49%

1 Year Fixed at 4.99% Mortgage Rate – Payments $2,920/mo on $500K

Full-Feature Flexibility. High-Ratio Advantage.

Unlock one of our best rates — exclusively for high-ratio purchases and switches. This isn’t a stripped-down offer — it’s a full-feature mortgage designed for flexibility and growth.

• Make lump sum payments up to 20% each year

• Increase your regular payments by up to 20%

• Hold your rate for up to 120 days while you finalize your plans

Whether you’re moving in or switching over, this is the kind of mortgage that works for your future — not just your today.

Smart features. Serious savings. All with UNIFI simplicity.

Mortgage Term: 2 Year Fixed.
Rates From: 4.09% – 5.99%

2 Year Fixed at 4.09% Mortgage Rate – Payments $2,664/mo on $500K

High-Ratio Rate with Full Flexibility

This great rate is available exclusively for high-ratio purchases and includes all the features you need to stay in control of your mortgage:

• Make lump sum payments up to 20% per year

• Increase your regular payments by up to 20%

• Full-feature mortgage — no stripped-down terms

• Hold your rate for up to 40 days

Flexibility, value, and confidence—built into every detail.

Mortgage Term: 3 Year Fixed.
Rates From: 3.99% – 5.79%

3 Year Fixed at 3.99% Mortgage Rate – Payments $2,636/mo on $500K

High-Ratio Rate with Full Flexibility

This great rate is available exclusively for high-ratio purchases and includes all the features you need to stay in control of your mortgage:

• Make lump sum payments up to 20% per year

• Increase your regular payments by up to 20%

• Full-feature mortgage — no stripped-down terms

• Hold your rate for up to 40 days

Flexibility, value, and confidence—built into every detail.

Mortgage Term: 4 Year Fixed.
Rates From: 4.39% – 6.84%

4 Year Fixed at 4.39% Mortgage Rate – Payments $2,748/mo on $500K

Full-Feature Mortgage for High-Ratio Buyers & Insured Transfers

This competitive rate is available for high-ratio purchases and select insured mortgage transfers. Enjoy the freedom and flexibility of a full-feature mortgage, including:

• Up to 15% lump sum payments per year

• Increase your regular payments by up to 15%

• Full-feature mortgage with no cut corners

• Rate hold available for up to 120 days

Designed for flexibility. Built for your future.

Mortgage Term: 5 Year Fixed.
Rates From: 3.99% – 5.49%

5 Year Fixed at 3.99% Mortgage Rate – Payments $2,636/mo on $500K

High-Ratio Rate with Full Flexibility

This great rate is available exclusively for high-ratio purchases and includes all the features you need to stay in control of your mortgage:

• Make lump sum payments up to 20% per year

• Increase your regular payments by up to 20%

• Full-feature mortgage — no stripped-down terms

• Hold your rate for up to 40 days

Flexibility, value, and confidence—built into every detail.

Mortgage Term: 5 Year Open.
Rates From: 4.70% – 6.25%

5 Year Open at 4.70% Mortgage Rate – Payments $2,836/mo on $500K

No Commitment Mortgage – Freedom Starts Here

Welcome to total flexibility with Canada’s lowest open-term variable rate. Our No Commitment mortgage gives you control—on your terms.

• Variable rate starting from Prime – 0.25%

• No penalties or restrictions — pay it, lock it, break it, or change it anytime

• Offered as a 5-year Adjustable Rate Mortgage (ARM)

• Available for insured and select conventional purchases and switches

• For owner-occupied properties only

• Based on Prime rate of 4.95%

Ultimate flexibility. No strings attached.

Mortgage Term: 5 Year Variable.
Rates From: 4.10% – 5.00%

5 Year Variable at 4.10% Mortgage Rate – Payments $2,666/mo on $500K

Exceptional Variable Rate for High-Ratio Mortgages

While past performance doesn’t guarantee future results, historically, variable rates have saved clients money. With a rate this low, it’s easy to see why!

• Available exclusively for high-ratio mortgages

• Rate guaranteed at Prime – 0.85% for your term

• Offered for new purchases and select switches

• Make extra payments or increase your monthly payments by up to 20% per year

• Full-feature mortgage with no restrictive clauses (e.g., no bona-fide sales clause)

• Based on Prime rate of 4.95%

The flexibility you want, without the fine print.