Select a location from above to display BDMs
Contact a BDM
Kootenay region
Stephen Parama Phone: 587.982.7434 sparama@bridgewaterbank.ca
Headshot of Stephen Parama
Calgary, southern Alberta
Stephen Parama Phone: 587.982.7434 sparama@bridgewaterbank.ca
Headshot of Stephen Parama
Lower Mainland, Island and northern British Columbia
Yvonne Futter Phone: 604.506.7114 Toll Free: 1.866.867.1777 Fax: 403.718.3042 yfutter@bridgewaterbank.ca
Headshot of Yvonne Futter
Edmonton, central & northern Alberta
Eric Doucet Phone: 403.806.8466 edoucet@bridgewaterbank.ca
Headshot of Eric Doucet
Manager, National Accounts
Eric Doucet Phone: 403.806.8466 edoucet@bridgewaterbank.ca
Headshot of Eric Doucet
Nova Scotia, New Brunswick, Newfoundland and Prince Edward Island
Paul Delaney Phone: 905.866.7162 Toll Free: 1.844.734.4762 pdelaney@bridgewaterbank.ca
Headshot of Paul Delaney
Manager, National Accounts
Eric Doucet Phone: 403.806.8466 edoucet@bridgewaterbank.ca
Headshot of Eric Doucet
Select a location from above to display BDMs
Contact a BDM
Kootenay region
Stephen Parama
Phone: 587.982.7434
sparama@bridgewaterbank.ca
Headshot of Stephen Parama
Calgary, southern Alberta
Stephen Parama
Phone: 587.982.7434
sparama@bridgewaterbank.ca
Headshot of Stephen Parama
Lower Mainland, Island and northern British Columbia
Yvonne Futter
Phone: 604.506.7114
Toll Free: 1.866.867.1777
Fax: 403.718.3042
yfutter@bridgewaterbank.ca
Headshot of Yvonne Futter
Edmonton, central & northern Alberta
Eric Doucet
Phone: 403.806.8466
edoucet@bridgewaterbank.ca
Headshot of Eric Doucet
Manager, National Accounts
Eric Doucet
Phone: 403.806.8466
edoucet@bridgewaterbank.ca
Headshot of Eric Doucet
Nova Scotia, New Brunswick, Newfoundland and Prince Edward Island
Paul Delaney
Phone: 905.866.7162
Toll Free: 1.844.734.4762
pdelaney@bridgewaterbank.ca
Headshot of Paul Delaney
Manager, National Accounts
Eric Doucet
Phone: 403.806.8466
edoucet@bridgewaterbank.ca
Headshot of Eric Doucet

Mortgage Rates

Exclusive rate savings with 4.99% on 1 year terms!

For a limited time, take advantage of this special rate and give your clients a more competitive financing option!

Your BDM has the details!

Want your deal over the finish line faster?

Our alt lending experts are just a call away. We’ll walk through your deal with you before you apply, saving you time and helping you package it right. We will set you up for a smooth and fast approval before you apply.

Let's talk!

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.

Learn more

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.

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.

Gateway Alternative Mortgages

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

June 17, 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 5.29 5.24 80% 1.0%
640+ 5.44 5.39 5.34 80% 1.0%
600+ 5.64 5.59 5.49 80% 1.0%
550+ 5.99 5.94 5.89 80% 1.0%
500+ 6.24 6.09 6.04 65% 1.0%
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 2.75%. For more information, visit bankofcanada.ca.

Prime Rate

Bridgewater Bank Prime Rate: 4.95%
Last date adjusted: March 14, 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 5.44% = APR 6.54%, AIR 5.64% = APR 6.74%, AIR 5.99% = APR 7.08%, AIR 6.24% = APR 7.33%

It pays to call us first.

Our BDMs are here to answer your questions and help you succeed.

Ready to get your deals done?
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