The above Annual Percentage Rates (APR) for our special offers are compounded semi-annually, not in advance. Each APR calculation is based on a mortgage of $100,000 with a 25 year amortization and a $300 appraisal fee. The actual appraisal fee may vary. The mortgage must be advanced within 120 days from the date of application. These offers are subject to change and may be withdrawn at any time without notice. Variable interest rates will change automatically as Cipher Ardent's prime rate changes. Applications are subject to meeting Cipher Ardent's standard credit criteria, residential mortgage standards and maximum permitted loan amounts. Other conditions may apply.

 Interest rates are provided for information purposes only and are subject to change at any time without notice. All rates are calculated semi-annually, not in advance.

All mortgage applications are subject to meeting Cipher Ardent's standard credit criteria, residential mortgage standards and maximum permitted loan amounts.