{"_README":"═══════════════════════════════════════════════════════════════════\nWEEKLY RATE UPDATE — READ THIS FIRST (non-technical instructions)\n═══════════════════════════════════════════════════════════════════\nThis ONE file is the single source of truth for the rate tables on the\nNorthPeak Mortgage Rates homepage (https://northpeak-rate-tracker.pages.dev/).\nThe homepage re-renders its tables from this file automatically (and also\nkeeps a static copy in index.html for SEO — update the matching rows there\ntoo when you change numbers here).\n\nWEEKLY UPDATE (~15–30 min/week, e.g. every Monday):\n  1. Check current best rates on public comparison sources, e.g.\n     latestmortgagerates.ca (weekly 25-lender survey), nesto.ca,\n     rates.ca, NerdWallet Canada, Ratehub, money.ca.\n  2. Update the \"rate\" numbers (and lender names / \"note\" labels if the\n     lender set changes). Keep the structure identical — don't rename keys.\n  3. Update \"last_updated\" to today's date.\n  4. Redeploy: python3 ~/workspace/skills/cloudflare/bin/pages_deploy.py \\\n        northpeak-rate-tracker ~/workspace/deploys/rate-tracker/\n\nRULES: never invent rates — every row must come from a real published rate\nwith a source and date recorded in \"note\". Keep \"prime_rate\" current\n(variable rows reference it). Never list a lender quote you cannot verify.\n═══════════════════════════════════════════════════════════════════","currency":"CAD","last_updated":"October 4, 2026","policy_rate":2.25,"prime_rate":4.45,"sources":["latestmortgagerates.ca — Best 5-Year Fixed Mortgage Rates This Week: September 28–October 4, 2026 (https://latestmortgagerates.ca/blog/best-5-year-fixed-rates-week-40-2026/)","nesto.ca — 5-year variable (Oct 2, 2026) and fixed rates (Oct 3, 2026) (https://www.nesto.ca/mortgage-rates/variable/5-year/, https://www.nesto.ca/mortgage-rates/fixed/)","latestmortgagerates.ca — Below-the-Line Mortgage Rate Report: October 2026 (https://latestmortgagerates.ca/blog/below-the-line-mortgage-rate-report-october-2026/)","rates.ca — published rate table, Oct 3, 2026"],"tables":[{"id":"rateTable","rows":[{"badge":"Lowest 5-yr fixed","lender":"ATB Financial","note":"insured","rate":4.14,"term":"5-year","type":"Fixed"},{"badge":"Lowest 5-yr fixed","lender":"Butler Mortgage","note":"broker quote","rate":4.14,"term":"5-year","type":"Fixed"},{"lender":"Coast Capital Savings","note":"insured","rate":4.21,"term":"5-year","type":"Fixed"},{"lender":"RFA Bank","note":"uninsured","rate":4.29,"term":"5-year","type":"Fixed"},{"lender":"Wealthsimple","note":"insured","rate":4.34,"term":"5-year","type":"Fixed"},{"lender":"Alterna Bank","note":"insured","rate":4.44,"term":"5-year","type":"Fixed"},{"lender":"Meridian Credit Union","note":"insured","rate":4.49,"term":"5-year","type":"Fixed"},{"lender":"CMLS Financial","note":"insured","rate":4.49,"term":"5-year","type":"Fixed"},{"lender":"True North Mortgage","note":"insured","rate":4.49,"term":"5-year","type":"Fixed"},{"lender":"CIBC","note":"insured","rate":4.59,"term":"5-year","type":"Fixed"},{"lender":"nesto","note":"insured","rate":4.59,"term":"5-year","type":"Fixed"},{"lender":"Manulife Bank","note":"insured","rate":4.59,"term":"5-year","type":"Fixed"},{"lender":"Tangerine","note":"uninsured","rate":4.69,"term":"5-year","type":"Fixed"},{"lender":"Desjardins","note":"uninsured","rate":4.69,"term":"5-year","type":"Fixed"},{"lender":"Equitable Bank","note":"uninsured","rate":4.69,"term":"5-year","type":"Fixed"},{"lender":"RBC","note":"insured","rate":4.74,"term":"5-year","type":"Fixed"},{"lender":"Vancity","note":"insured","rate":4.79,"term":"5-year","type":"Fixed"},{"lender":"Home Trust","note":"insured","rate":4.79,"term":"5-year","type":"Fixed"},{"lender":"BMO","note":"insured","rate":4.84,"term":"5-year","type":"Fixed"},{"lender":"Scotiabank","note":"uninsured","rate":4.9,"term":"5-year","type":"Fixed"},{"lender":"Simplii Financial","note":"uninsured","rate":4.94,"term":"5-year","type":"Fixed"},{"lender":"National Bank","note":"uninsured","rate":4.99,"term":"5-year","type":"Fixed"},{"lender":"First National","note":"uninsured","rate":4.99,"term":"5-year","type":"Fixed"},{"lender":"TD","note":"insured","rate":5.14,"term":"5-year","type":"Fixed"},{"lender":"Laurentian Bank","note":"uninsured","rate":5.19,"term":"5-year","type":"Fixed"}],"title":"Best 5-year fixed rates — weekly lender survey"},{"id":"rateTableVariable","rows":[{"badge":"Lowest variable","lender":"nesto","note":"insured — nesto.ca, Oct 2, 2026","rate":3.45,"term":"5-year","type":"Variable"},{"lender":"rates.ca lowest rate shown","note":"insured column — rates.ca, Oct 3, 2026","rate":3.45,"term":"5-year","type":"Variable"},{"lender":"Equitable Bank","note":"uninsured — latestmortgagerates.ca below-the-line report, Oct 2026","rate":3.6,"term":"5-year","type":"Variable"}],"title":"Best 5-year variable rates"},{"id":"rateTable3yr","rows":[{"badge":"Lowest 3-yr fixed","lender":"rates.ca lowest rate shown","note":"insured column — rates.ca, Oct 3, 2026","rate":3.86,"term":"3-year","type":"Fixed"},{"lender":"nesto","note":"insured — nesto.ca, Oct 3, 2026","rate":4.64,"term":"3-year","type":"Fixed"}],"title":"Best 3-year fixed rates"}]}