The Lowest Rate in Canada. The Highest Standard of Living.

Why wait for the market to change when you can change your mortgage? For a limited time, San Rufo Homes is proud to offer an exclusive 1.99% Fixed Interest Rate through MCAP, Canada’s largest non-bank mortgage lender.

This isn't just a lower rate—it’s a powerful financial tool designed to give you more buying power and immediate monthly relief while you settle into your new home.

The Lowest Rate in Canada. The Highest Standard of Living.

• Increase Your Buying Power: Qualify for approximately $50,000 more in home value, allowing you to choose the floor plan and upgrades you truly want.
• Immediate Savings: Save an average of $7,500 over your first six months of homeownership—money that stays in your pocket for furniture, landscaping, or savings.
• Low Entry Barrier: Secure this rate with as little as 5% down. There is no maximum limit on your downpayment; the flexibility is yours.
• Guaranteed Terms: Your 1.99% rate is fully approved and held for 12 months, protecting you from market fluctuations during construction.

How It Works

• Possession: From the day you move into your new San Rufo home, your rate is locked at 1.99% for the first 6 months.
• Seamless Transition: After the initial 6 months, you have the freedom to choose between a 5-year fixed or 5-year variable rate.
• Best Rate Guarantee: MCAP ensures you receive their best available market rates upon renewal. No bait-and-switch, no added premiums—just honest, competitive lending.
• Full-Featured Benefits: This is a premium mortgage product including 20% prepayment privileges, the industry's lowest IRD penalty costs, and access to a best-in-class online banking portal.

1.99% fixed rate is applicable for the first 6 months of the mortgage term. Rate is held for 12 months from the time of approval. At the end of the 6-month period, the borrower must renew into a 5-year fixed or 5-year variable term at the best available market rates offered by MCAP. A 2% fee applies only if the client chooses not to renew with MCAP at the end of the initial 6-month term. All mortgages are subject to lender credit approval. OAC.

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