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High Ratio Mortgage

High Ratio Mortgage

High ratio mortgage options are ideal for customers who cannot make a 20% down payment, or for customers who wish to borrow against the equity in their homes to do renovations.

Apply online

visit a branch near you or call 604-517-0100 to get started today.

A High-Ratio Mortgage gives you home-buying options even without a large down-payment.

Mortgage Features

  • Down payments as low as 5% reduces initial cash outlay
  • Down payment may come from various sources under the Flex Down program
  • Weekly, accelerated bi-weekly and monthly borrowing schedules
  • Double up payments on any payment due date
  • 20% of original balance can be deposited with no penalty on each anniversary date
  • Interest rate is fixed during the course of the term
  • Is assumable and portable
  • 90-day rate guarantee available

Term & Conditions

  • Applicants must purchase default insurance through CMHC or GE Capital. Insurance companies offer a wide range of programs covering refinances and multi-unit purchases.

We always give you our best rate.

Westminster Savings doesn't make you guess or negotiate a mortgage rate: we always give you our best rate. See our mortgage interest rates online.

Get a $500 gift

Ask our Mortgage Specialists how you can get a bonus $500 gift card with our Smart Move program.

Learn more...

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Current Rates

First Mortgages

Variable Rate


5 Year Variable
Special Insured


6 Month Open


1 Year Open


1 Year Fixed


2 Year Fixed


3 Year Fixed


4 Year Fixed


5 Year Fixed


5 Year Fixed
Special Insured


5 Year Great Rate


7 Year Fixed


10 Year Fixed


Second Mortgages

1 Year Fixed


2 Year Fixed


3 Year Fixed