Current Mortgage Rates in Nanaimo
Our live mortgage rate tool below shows the most up-to-date rates available through Mortgage Architects. Whether you're buying your first home, refinancing, or renewing, we help you understand your options because your rate is just part of the big picture.
Compare Rates and Find the Right Mortgage
As independent mortgage brokers based in Nanaimo, we have access to rate specials from dozens of banks, credit unions, and monoline lenders, including many you won’t find posted online.
Why Rates Change
Mortgage rates can fluctuate daily, and while online rate charts are a helpful starting point, your true rate depends on factors like credit, income, down payment, and property type.
Let’s Find the Best Rate for You
Whether you’re a first-time buyer, renewing, or refinancing, we’ll compare options and negotiate the best possible rate and terms for your goals.
Because we work for you (not the bank), we make sure you understand your choices before locking in a rate.
​These rates are updated frequently and available to clients across British Columbia, including Nanaimo, Duncan, Parksville, Port Alberni, the Lower Mainland, and the Fraser Valley. For personalized rate quotes based on your location and goals, get in touch with us.
How often do mortgage rates change?
Rates can change daily based on market conditions. The widget updates automatically, but we're happy to walk you through the timing.
What's more important: the rate or the mortgage terms?
Sometimes a slightly higher rate comes with better prepayment privileges or flexibility. We'll help you find the right balance.
Why don't I see a rate that applies to me?
Rates vary based on your down payment, credit, property type, and other personal details. We can provide a personalized quote with no obligation—just reach out!
Who We Are
We’re Rita & Rachel Cousins, a mother-daughter mortgage duo serving Vancouver Island, the Lower Mainland, and beyond with a combined 40+ years of experience.
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Rita brings the wisdom of over 35 years in banking and mortgage brokering. Rachel adds a modern edge with fresh insight, organization, and a deep care for each client’s journey. Together, we balance experience and innovation to create a mortgage experience that feels less stressful, more personal, and tailored just for you.
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We know that getting a mortgage isn’t just a transaction; it’s a life moment. That’s why we take the time to truly listen and walk with you through every step.
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Whether you're buying your first home, refinancing, or investing in property, our goal is simple: to make you feel confident and cared for every step of the way.
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Why Work With Us?
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Independent Mortgage Brokers: We’re not tied to one bank. We shop around to find what’s best for you.
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Local & Personal: We’re based in Nanaimo, but we proudly serve clients across Vancouver Island and the Lower Mainland — including Duncan, Parksville, Port Alberni, and the Fraser Valley. Whether you’re local or looking to buy in these regions, we’re here to help you find the right mortgage solution. We love serving our community and building lasting relationships.
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Expertise You Can Trust: With decades of experience, we’ve seen it all, and we still believe in doing things the right way.​​​​