Products & rates
Every rate we publish.
Priced off the CORRA swap curve and repriced every business day. What you see here is what our underwriters price from. Every Fraction rate is fixed for the full term — the card moves daily, a committed deal never does.
Download rate sheetPDF · all three products
Updated October 7, 2026 at 8:15 a.m. PT
Fits
| LTV / Beacon | 750+ | 700–749 | 660–699 |
|---|---|---|---|
| 0% – 50% | 5.21% before premiumsno premium5.21% | 5.45% | 5.69% |
| 50.1% – 55% | 5.45% | 5.69% | 5.92% |
| 55.1% – 60% | 5.69% | 5.92% | 6.16% |
| 60.1% – 65% | 5.92% | 6.16% | 6.40%* |
Rate basis · 12 month CORRA at 2.832% plus each cell's spread. Rates are annual, compounded monthly.
Lender fee · 12 month term1%
All-in rate on a 12 month interest only term, including every premium on this deal. Rates are annual, compounded monthly. Firm 55% TDS.
The basis
What we price off.
Fraction's rates are a spread over the CORRA swap curve. When the curve moves, our published rates move with it the next business morning — but only the published card. A committed deal is fixed for its full term, whatever CORRA does afterwards.
- 1-year CORRA2.832%12-month Interest Only & Jumbo
- 1.25-year CORRA2.919%18-month Interest Only & Jumbo
- 1.5-year CORRA3.006%2-year No Payment
- 2.5-year CORRA3.259%3-year No Payment
- 4-year CORRA3.403%5-year No Payment
May 29, 2026 – Oct 7, 2026
Guidelines
The rules of the road.
- Position
- First
- Rate type
- Fixed for the full term
- Provinces
- British Columbia · Alberta · Ontario
- Maximum LTV at funding
- 65%
- Minimum Beacon
- 660
- TDS
- 55% maximum
- Occupancy
- Primary, non-primary, mixed use
- • Non-primary residence and mixed use are permitted subject to credit committee approval — send those in anyway. Exceptions may take an average of 3 business days.