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BMO Fall Promotion
Submitted by Krishan on September 19, 2025 - 1:56pm
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Hope you had a wonderful summer and now it’s back to business!

 Mortgage update:

  • Bank of Canada decreased their rate on Wed which lowered our variable rate
  • Commentary from Douglas Porter, CFA Chief Economist: BoC Rate Decision — Back to the Chopping Board. Expecting 2 more cuts by Spring 2026!
  • Market remains very active on renewals, switches, and refinances. Is now the time to go variable?
  • Up to $4,100 Cash Back for switchers and purchasers (see attached)

 Cash Back Promotion Sep 15-Nov 14 (app date)

 

Mortgage Rates Sep 18/2025 subject to change without notice (extra discretion – call me!)

Prime rate 4.95%

1yr

2yr

3yr

4yr

5yr

5yr

Type /Yr

fixed

fixed

fixed

fixed

fixed

variable

Default Insured 25yr < 20% down

5.33%

4.73%

4.24%

4.24%

4.22%

4.08%

25yr amortization > 20% down

5.47%

4.85%

4.34%

4.36% 

4.35%

4.20%

30yr amortization > 20% down

5.57%

4.95%

4.43%

4.43%

4.45%

4.30%

 

AttachmentSizeType
BMO 2025 Fall Mortgage Offer.pdf3.17 MBapplication/pdf
 
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