Closed fixed terms Special rates* (Insured) APR** Posted mortgage interest rates
1-year 3.54% 3.94% 4.24%
2-year 3.79% 3.99% 4.49%
3-year 3.99% 4.12% 4.69%
4-year*** N/A N/A 4.72%
5-year 4.19% 4.27% 4.89%


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 4.72% 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.