Closed fixed terms Special rates* (Insured) APR** Posted mortgage interest rates
1-year 3.64% 4.04% 4.34%
2-year 3.99% 4.19% 4.69%
3-year 4.09% 4.22% 4.79%
4-year*** N/A N/A 4.82%
5-year 4.29% 4.37% 4.99%


Variable term Special rates* (Insured) APR**
5-year 2.45% 2.53%
Wyth's Prime Rate minus 0.75%


Wyth Prime Rate 3.20%


*These rates are for insured mortgages. 

**Annual percentage rate (APR) is for illustration purposes only and the above calculations are based on a $300,000 mortgage balance, with monthly payment using the above terms and preferred rates. 

***Wyth does not offer 4-year terms on mortgages. To estimate the prepayment penalty, use 4.82% if you have 4 years remaining on your mortgage. You may also contact us to provide the prepayment penalty that would be charged.

Wyth uses the qualifying rate of 5.25% for mortgage borrowers.