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Must be CMHC or Genworth insured. Convert to a 5-year fixed any time without penalty. No rate drops after approval. Rate is 15 basis points (0.15%) higher if you have 20% or more equity. Standard 3-month interest penalty for early terminations. Rate applies to purchases and refinances only. Switches entail a 0.05% rate premium. Increases during before maturity may trigger a prepayment charge.
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*(Rate based on $300,000 mortgage.*) Change