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Rate update · August 14, 2026
Interest Only from 5.05% and Jumbo from 5.55%, both to a maximum 65% LTV. Every term is fixed and open. Every tier is published, priced in real time on our site, and pays you 25% of the lender fee at every renewal.
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We price our interest-only products against a published sheet, not a phone call. The rate a broker sees on fraction.com is the rate our underwriters see, tier for tier.
Both are monthly interest with no principal, on a 1-year or 18-month term. Every term we write is fixed and open — the rate is locked for the term and the client can pay it out at any point with no prepayment penalty. First position, credit from 660, in BC, Alberta and Ontario. We build and fund them ourselves.
Today's starting rates
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Also on the sheet
For clients who need the payment gone entirely. Interest accrues and is settled at the end of term, so there is nothing to service month to month, and the entry LTV steps down as the term lengthens — the accrual is priced in at funding. Loans from $150K to $1.5M.
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Starting rates are the shortest term, 750+ credit, at or below 50% LTV. Rates step 25 bps per LTV tier and 25 bps per credit tier from 660. Condominiums add 25 bps and cap at 60% LTV.
Transparent pricing
Enter the property value, the loan amount and the credit tier. The site returns the product, the rate, the maximum LTV and the fee against the live sheet — no rate sheet request, no waiting on a quote.
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Renewal compensation
On both interest-only products, the broker of record on the original deal earns 25% of the lender fee we charge the client at each renewal. There is no cap on the number of renewals and no expiry on the entitlement.
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Talk to your BDM
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BC · Ontario · Alberta
Fraction Technologies Inc. · FSRA #13439
Rates effective August 14, 2026 and subject to change. All terms are fixed and open, with no prepayment penalty. Starting rates shown; the rate is confirmed at commitment and depends on the approved LTV tier and the lowest qualifying credit score on file. Maximum LTV varies by property, location and term; No Payment LTVs shown are entry LTVs at funding, derived from each term’s starting rate; the entry cap is confirmed at commitment and depends on the approved rate. Renewal compensation applies to Fraction Interest Only and Fraction Jumbo and is calculated as 25% of the lender fee charged to the client on each renewal. For broker use, not consumer-facing advice.