*O.A.C. 4.89% is the regulatory Annual Percentage Rate if there is no cost of borrowing other than interest and is based on blended payments of principal and interest. Legal and appraisal fees may apply. Interest is calculated half-yearly, not in advance. A high ratio mortgage is applicable where a borrower places a down payment of less than 20% of the purchase price of a home. Additional premiums may apply in cases of a refinance, extended amortizations, non-owner occupied, or other instances where application details may warrant it. Some restrictions apply. Rate is subject to change without notice.