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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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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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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.
Contact us now!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.
The rates shown below are subject to full underwriting policy and may change without notice. Our rates were last revised on
October 6, 2025, and are effective as of today.
| Beacon score | 1-year term** | 2-year term* | 3-year term* | Max LTV | Lender fee |
| 680+ | 4.99 | 5.19 | 5.14 | 80% | 1.0% |
| 640+ | 5.39 | 5.29 | 5.24 | 80% | 1.0% |
| 600+ | 5.69 | 5.59 | 5.49 | 80% | 1.0% |
| 550+ | 5.89 | 5.84 | 5.79 | 80% | 1.0% |
| 500+ | 6.14 | 5.99 | 5.94 | 65% | 1.0% |
| Commission | 60 bps | 70 bps | 80 bps | ||
Rate premiums, including the following, may apply:
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.
The Bank of Canada’s Benchmark rate currently sits at 2.75%. For more information, visit bankofcanada.ca.
| Bridgewater Bank Prime Rate: 4.70% |
| Last date adjusted: September 22, 2025 |
*The quoted rates are an Annual Interest Rate (AIR). The AIR is compounded semi-annually, not in advance. The Annual Percentage Rate (APR) is calculated using the AIR plus 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.
**The APR calculations are based on a 1-year, $300,000 loan with a 30-year amortization and loan fee of 1%. For AIR 4.99% = APR 6.11%, AIR 5.39% = APR 6.50%, AIR 5.69% = APR 6.79%, AIR 5.89% = APR 6.98%, AIR 6.14% = APR 7.23%
Our BDMs are here to answer your questions and help you succeed.
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