A PHP Error was encountered

Severity: 8192

Message: Return type of CI_Session_files_driver::open($save_path, $name) should either be compatible with SessionHandlerInterface::open(string $path, string $name): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice

Filename: drivers/Session_files_driver.php

Line Number: 132

Backtrace:

File: /home3/tfy29i0v/mortgagebyraman.ca/application/controllers/Our_rates.php
Line: 8
Function: __construct

File: /home3/tfy29i0v/mortgagebyraman.ca/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Return type of CI_Session_files_driver::close() should either be compatible with SessionHandlerInterface::close(): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice

Filename: drivers/Session_files_driver.php

Line Number: 294

Backtrace:

File: /home3/tfy29i0v/mortgagebyraman.ca/application/controllers/Our_rates.php
Line: 8
Function: __construct

File: /home3/tfy29i0v/mortgagebyraman.ca/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Return type of CI_Session_files_driver::read($session_id) should either be compatible with SessionHandlerInterface::read(string $id): string|false, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice

Filename: drivers/Session_files_driver.php

Line Number: 168

Backtrace:

File: /home3/tfy29i0v/mortgagebyraman.ca/application/controllers/Our_rates.php
Line: 8
Function: __construct

File: /home3/tfy29i0v/mortgagebyraman.ca/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Return type of CI_Session_files_driver::write($session_id, $session_data) should either be compatible with SessionHandlerInterface::write(string $id, string $data): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice

Filename: drivers/Session_files_driver.php

Line Number: 237

Backtrace:

File: /home3/tfy29i0v/mortgagebyraman.ca/application/controllers/Our_rates.php
Line: 8
Function: __construct

File: /home3/tfy29i0v/mortgagebyraman.ca/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Return type of CI_Session_files_driver::destroy($session_id) should either be compatible with SessionHandlerInterface::destroy(string $id): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice

Filename: drivers/Session_files_driver.php

Line Number: 317

Backtrace:

File: /home3/tfy29i0v/mortgagebyraman.ca/application/controllers/Our_rates.php
Line: 8
Function: __construct

File: /home3/tfy29i0v/mortgagebyraman.ca/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Return type of CI_Session_files_driver::gc($maxlifetime) should either be compatible with SessionHandlerInterface::gc(int $max_lifetime): int|false, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice

Filename: drivers/Session_files_driver.php

Line Number: 358

Backtrace:

File: /home3/tfy29i0v/mortgagebyraman.ca/application/controllers/Our_rates.php
Line: 8
Function: __construct

File: /home3/tfy29i0v/mortgagebyraman.ca/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: ini_set(): Session ini settings cannot be changed after headers have already been sent

Filename: Session/Session.php

Line Number: 282

Backtrace:

File: /home3/tfy29i0v/mortgagebyraman.ca/application/controllers/Our_rates.php
Line: 8
Function: __construct

File: /home3/tfy29i0v/mortgagebyraman.ca/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: session_set_cookie_params(): Session cookie parameters cannot be changed after headers have already been sent

Filename: Session/Session.php

Line Number: 294

Backtrace:

File: /home3/tfy29i0v/mortgagebyraman.ca/application/controllers/Our_rates.php
Line: 8
Function: __construct

File: /home3/tfy29i0v/mortgagebyraman.ca/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: ini_set(): Session ini settings cannot be changed after headers have already been sent

Filename: Session/Session.php

Line Number: 304

Backtrace:

File: /home3/tfy29i0v/mortgagebyraman.ca/application/controllers/Our_rates.php
Line: 8
Function: __construct

File: /home3/tfy29i0v/mortgagebyraman.ca/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: ini_set(): Session ini settings cannot be changed after headers have already been sent

Filename: Session/Session.php

Line Number: 314

Backtrace:

File: /home3/tfy29i0v/mortgagebyraman.ca/application/controllers/Our_rates.php
Line: 8
Function: __construct

File: /home3/tfy29i0v/mortgagebyraman.ca/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: ini_set(): Session ini settings cannot be changed after headers have already been sent

Filename: Session/Session.php

Line Number: 315

Backtrace:

File: /home3/tfy29i0v/mortgagebyraman.ca/application/controllers/Our_rates.php
Line: 8
Function: __construct

File: /home3/tfy29i0v/mortgagebyraman.ca/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: ini_set(): Session ini settings cannot be changed after headers have already been sent

Filename: Session/Session.php

Line Number: 316

Backtrace:

File: /home3/tfy29i0v/mortgagebyraman.ca/application/controllers/Our_rates.php
Line: 8
Function: __construct

File: /home3/tfy29i0v/mortgagebyraman.ca/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: ini_set(): Session ini settings cannot be changed after headers have already been sent

Filename: Session/Session.php

Line Number: 317

Backtrace:

File: /home3/tfy29i0v/mortgagebyraman.ca/application/controllers/Our_rates.php
Line: 8
Function: __construct

File: /home3/tfy29i0v/mortgagebyraman.ca/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: ini_set(): Session ini settings cannot be changed after headers have already been sent

Filename: Session/Session.php

Line Number: 375

Backtrace:

File: /home3/tfy29i0v/mortgagebyraman.ca/application/controllers/Our_rates.php
Line: 8
Function: __construct

File: /home3/tfy29i0v/mortgagebyraman.ca/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: session_set_save_handler(): Session save handler cannot be changed after headers have already been sent

Filename: Session/Session.php

Line Number: 110

Backtrace:

File: /home3/tfy29i0v/mortgagebyraman.ca/application/controllers/Our_rates.php
Line: 8
Function: __construct

File: /home3/tfy29i0v/mortgagebyraman.ca/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: session_start(): Session cannot be started after headers have already been sent

Filename: Session/Session.php

Line Number: 143

Backtrace:

File: /home3/tfy29i0v/mortgagebyraman.ca/application/controllers/Our_rates.php
Line: 8
Function: __construct

File: /home3/tfy29i0v/mortgagebyraman.ca/index.php
Line: 315
Function: require_once

MORTGAGE AGENT

This rate will stay the same over the course of your term regardless of market fluctuations. Fixed Rate Mortgages can be open or closed.

Fixed Residential Rate

You may want a closed fixed rate if…

  • If you believe that interest rates will rise - you will be protected against an increase.
  • If you have a low threshold of tolerance for market fluctuation.
  • If you prefer to have the same payment over the course of your term.
  • If you don't intend to make any or very few prepayments of your mortgage principal.
  • If you don't plan to sell your home in the near future
Term Posted Rate Mortgage Alliance
1yr (closed) 2.79 % 1.84 %
2yr (closed) 2.94 % 1.54 %
3yr (closed) 3.49 % 1.54 %
4yr (closed) 3.74 % 1.79 %
5yr (closed) 4.59 % 1.99 %
7yr (closed) 5.35 % 2.44 %
10yr (closed) 5.60 % 2.79 %s

You may want a closed fixed rate if…

  • If you plan to sell your home in the near future.
  • If you intend to make prepayment of more than 20% of your mortgage principal.
  • If you prefer to have the same payment over the course of your term.
Term Posted Rate Mortgage Alliance
1yr (closed) 6.30 % 6.30 %