Fraction Interest Only
5.03%
from
- Terms
- 12 month, 18 month
- Max LTV
- 65%
- Lender fee
- 1%
Rates live from our pricing engine
Alt mortgages in a fraction of the time.
Interest-only, no-payment and jumbos up to $5MM. Price any deal on this page in seconds, submit it, and get an answer the same day.
Today's best rateAugust 6, 2026
Fraction Interest Only
from · 12 month term · max LTV 65%
5.03%
Fraction Jumbo
from · 12 month term · max LTV 65%
5.53%
Fraction No Payment
from · 2 year term · max LTV 56.0%
5.65%
Fraction Interest Only from5.03%Fraction Jumbo from5.53%Fraction No Payment from5.65%Max loan$5.0MMMax LTV65%Minimum Beacon660ProvincesBC · AB · ON
Price a deal
Will it fit?
Enter the deal. We show the all-in rate, every premium that applies, and the LTV cap — the same inputs our underwriters price from.
Fits
| LTV / Beacon | 750+ | 700–749 | 660–699 |
|---|---|---|---|
| 50% | 5.03% before premiumsno premium5.03% | 5.28% | 5.53% |
| 55% | 5.28% | 5.53% | 5.78% |
| 60% | 5.53% | 5.78% | 6.03% |
| 65% | 5.78% | 6.03% | 6.28%* |
Lender fee · 12 month term1%
All-in rate on a 12 month interest only term, including every premium on this deal. Firm 55% TDS.
Products
Three ways to structure it.
Every product is first position, in British Columbia, Alberta and Ontario.
Fraction Jumbo
5.53%
from
- Terms
- 12 month, 18 month
- Max LTV
- 65%
- Lender fee
- 1%
Fraction No Payment
5.65%
from
- Terms
- 2 year, 3 year, 5 year
- Max LTV at funding
- 56.0%
- Lender fee
- 2%
Technology
Built so the boring parts happen without you.
Magic Upload
Drop the whole package in one go. Credit reports, bank statements and appraisals are read, classified and mapped to the file automatically.
Predictable, fast underwriting
Our technology works alongside our underwriters — pulling conditions, drafting the commitment, and flagging gaps automatically.
Broker portal pricing
The same engine that prices this page prices your live deals, so you know where the pricing will land before an underwriter looks at it.
Your team
Before you send it in.
Meet the person who covers your brokerage, and see how we feel about the area.
Find your BDM
Your BDM is the direct line for pricing, exceptions and how to structure a deal — before you submit it and after.
In a hurry? brokers@fraction.com reaches the whole desk.
Check the property
Type the first three characters of a postal code — the forward sortation area, like V6Z — or start typing a street address.
We lend in British Columbia, Alberta and Ontario. This is the same area check our underwriters run.
A read on the area, not the property. Send the deal in either way — your BDM can tell you more.
Brokers
What brokers say.
“Their unique service and product for the mortgage industry certainly has its place to help clients. I would recommend them to anyone looking for an out-of-the-box solution.”
“From start to finish, Fraction made this transaction effortless. Myself and the clients are very happy. I've just sent in another deal and again everything is running smooth.”
“Really smooth experience. Everything explained in simple and easy-to-follow detail. Client on-boarding very well handled.”
“Fraction gave me an opportunity as a broker to think outside the box. I was able to offer my client a solution that not only worked for the situation but allowed for a better quality of life.”
Send us the deal.
Licensed Canadian brokers only. Accounts are approved same-day, and exceptions may take an average of 3 business days.