5 Year Smart Start High-Ratio Variable Closed
Published rate3.70% interest · 3.74% APR
Alterna Savings · 5-year term
- Mortgage type
- Variable
- Term
- 5-year term
- Mortgage position
- First mortgage
- Region in source
- Ontario
- Published conditions
- Owner-occupied residential; default-insured/high-ratio criteria apply
- Maximum loan-to-value
- Not stated
- Fees
- 3.74% APR based on the lender's stated $200,000 mortgage, 25-year amortization, monthly payments and $350 valuation fee.
- Pricing effective
- Jul 13, 2026
- Last verified
- Oct 26, 2026