Bridgewater Bank Brokers

Have clients in search of rental financing?

Whether it’s a home, investment, or vacation property, our rental mortgage program makes financing simple. Discover flexible options designed to help your clients achieve their goals.

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Working with self-employed clients?

Self-employed borrowers are anything but one-size-fits-all. That’s why we offer a full suite of mortgage solutions designed just for them. Whether they prove income through bank statements, NOAs, or other documentation, our flexible options fit how they really earn.

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Have a tricky refinance? Let's make it happen!

We’re your go-to for complex refis. Our team of experts works closely with you to understand your client’s goals and tailor a solution that gets them there—whether it’s debt consolidation, accessing equity, or anything in between.

Find our most up-to-date rate information on all Gateway mortgages below. Get your deals in quick to secure the best rate for your clients.

Bridgewater Bank Gateway mortgages can be used for purchases, refinances or equity take-outs. Our mortgages are available in 1-year, 2-year and 3-year terms.

Gateway Alternative Mortgages

The rates shown below are subject to full underwriting policy and may change without notice. Our rates were last revised on

December 22, 2025, and are effective as of today.

Credit score	AIR/APR*	1-year term (%)	2-year term (%)	3-year term (%)	Max LTV	Lender fee
680+	AIR	4.99	5.19	5.19	80%	1.0%
	APR	6.11	5.80	5.64
640+	AIR	5.19	5.29	5.29	80%	1.0%
	APR	6.30	5.90	5.73
600+	AIR	5.39	5.49	5.49	80%	1.0%
	APR	6.50	6.10	5.93
550+	AIR	5.69	5.79	5.79	80%	1.0%
	APR	6.79	6.39	6.22
500+	AIR	5.94	6.04	6.04	65%	1.0%
	APR	7.03	6.63	6.47
Commission		60 bps	70 bps	80 bps

Rate premiums, including the following, may apply:

Well and septic
Condos
Rural locations
Complex BFS
Acreages
Rental properties
Paying out Revenue Canada
35-year amortization

A simple conversation with your BDM could make all the difference when it comes to alt mortgages. That’s because we take your client’s circumstances and the nature of the deal into account when setting the rate.

Bank of Canada Benchmark Rate

The Bank of Canada’s Benchmark rate currently sits at 2.25%. For more information, visit bankofcanada.ca.

Prime Rate

Bridgewater Bank Prime Rate: 4.45%

Last date adjusted: October 31, 2025

*The Annual Interest Rate (AIR%) is compounded semi-annually, not in advance. The Annual Percentage Rate (APR%) is the cost of borrowing, including interest and fees, expressed as a percentage. The APR is based on the specified term, for a $300,000 loan with a 30-year amortization and all applicable fees. When communicating rates to a consumer, you must provide the consumer with AIR and the APR, which will be provided to you in a mortgage commitment and disclosure statement.

Contact a BDM