3 Year Smart Start High-Ratio Fixed Closed
Published rate4.59% interest · 4.65% APR
Alterna Bank · 3-year term
- Mortgage type
- Fixed
- Term
- 3-year term
- Mortgage position
- First mortgage
- Region in source
- Canada
- Published conditions
- Owner-occupied residential; default-insured/high-ratio criteria apply
- Maximum loan-to-value
- Not stated
- Fees
- 4.65% APR based on the lender's stated $200,000 mortgage, 25-year amortization, monthly payments and $350 valuation fee.
- Pricing effective
- Oct 1, 2026
- Last verified
- Oct 26, 2026