{
  "ca-mortgages-special-rates": {
    "url": "https://www.bmo.com/public-data/api/v2.0/bmo-ca-mortgages-rates.json",
    "payload": {
      "fixed3YearClosedSpecial": 4.64,
      "fixed3YearClosedSpecialApr": 4.67,
      "fixed3YearClosedSpecialOver25": 4.74,
      "fixed3YearClosedSpecialOver25Apr": 4.77,
      "fixed1YearClosedUnder25Apr": 5.58,
      "fixed1YearClosedOver25Apr": 5.58,
      "fixed2YearClosedUnder25Apr": 4.93,
      "fixed2YearClosedOver25Apr": 4.93,
      "fixed3YearClosedUnder25Apr": 6.08,
      "fixed3YearClosedOver25Apr": 6.08,
      "fixed4YearClosedUnder25Apr": 6.01,
      "fixed4YearClosedOver25Apr": 6.01,
      "fixed5YearClosedUnder25Apr": 6.11,
      "fixed5YearClosedOver25Apr": 6.11,
      "fixed6YearClosedUnder25Apr": 6.31,
      "fixed6YearClosedOver25Apr": 6.31,
      "fixed7YearClosedUnder25Apr": 6.41,
      "fixed7YearClosedOver25Apr": 6.41,
      "fixed10YearClosedUnder25Apr": 6.81,
      "fixed10YearClosedOver25Apr": 6.81,
      "fixed6MonthConvertibleUnder25Apr": 5.67,
      "fixed6MonthConvertibleOver25Apr": 5.67,
      "fixed6MonthOpenUnder25Apr": 10.13,
      "fixed6MonthOpenOver25Apr": 10.13,
      "fixed1YearOpenUnder25Apr": 10.04,
      "fixed1YearOpenOver25Apr": 10.04,
      "smartFixed5YearClosedSpecial": 4.84,
      "smartFixed5YearClosedSpecialApr": 4.86,
      "smartFixed5YearClosedHighRatioSpecial": 4.74,
      "smartFixed5YearClosedHighRatioSpecialApr": 4.76,
      "smartFixed5YearClosedPostedApr": 4.81,
      "smartFixed10YearClosedPostedApr": 5.62,
      "fixed5YearClosedSmartUnder25Apr": 6.01,
      "fixed10YearClosedSmartUnder25Apr": 6.71,
      "variable5YearClosedSpecial": 4.1,
      "variable5YearClosedSpecialApr": 4.12,
      "variable5YearClosedSpecialOver25": 4.2,
      "variable5YearClosedSpecialOver25Apr": 4.22,
      "variable3YearOpenUnder25Apr": 7.78,
      "variable3YearOpenOver25Apr": 7.78,
      "variable5YearClosedUnder25Apr": 4.47,
      "variable5YearClosedOver25Apr": 4.47
    }
  },
  "epm-mortgage": {
    "url": "https://www.bmo.com/public-data/api/epm/v1.0/bmo-epm-mortgage.json",
    "payload": {
      "mortgageRates": {
        "fixed": {
          "6MonthConvertible": {
            "en": "6 month (convertible)",
            "fr": "6 mois (convertible)",
            "value": "5.490",
            "term_months": "6"
          },
          "6MonthOpen": {
            "en": "6 month (open)",
            "fr": "6 mois (ouvert)",
            "value": "9.950",
            "term_months": "6"
          },
          "1YearClosed": {
            "en": "1 year (closed)",
            "fr": "1 an (ferm\u00e9)",
            "value": "5.490",
            "term_months": "12"
          },
          "1YearOpen": {
            "en": "1 year (open)",
            "fr": "1 an (ouvert)",
            "value": "9.950",
            "term_months": "12"
          },
          "2YearClosed": {
            "en": "2 year (closed)",
            "fr": "2 ans (ferm\u00e9)",
            "value": "4.890",
            "term_months": "24"
          },
          "3YearClosed": {
            "en": "3 year (closed)",
            "fr": "3 ans (ferm\u00e9)",
            "value": "6.050",
            "term_months": "36"
          },
          "4YearClosed": {
            "en": "4 year (closed)",
            "fr": "4 ans (ferm\u00e9)",
            "value": "5.990",
            "term_months": "48"
          },
          "5YearClosed": {
            "en": "5 year (closed)",
            "fr": "5 ans (ferm\u00e9)",
            "value": "6.090",
            "term_months": "60"
          },
          "6YearClosed": {
            "en": "6 year (closed)",
            "fr": "6 ans (ferm\u00e9)",
            "value": "6.290",
            "term_months": "72"
          },
          "7YearClosed": {
            "en": "7 year (closed)",
            "fr": "7 ans (ferm\u00e9)",
            "value": "6.400",
            "term_months": "84"
          },
          "10Yearclosed": {
            "en": "10 year(closed)",
            "fr": "10 ans (ferm\u00e9)",
            "value": "6.800",
            "term_months": "120"
          },
          "18YearOpen": {
            "en": "18 year (open)",
            "fr": "18 ans (ouvert)",
            "value": "8.500",
            "term_months": "216"
          }
        },
        "variable": {
          "12VariableLimited": {
            "en": "012 VARIABLE LIMITED",
            "fr": "VARIABLE LIMITEE",
            "value": "2.750",
            "term_months": "12"
          },
          "12VariableOpen": {
            "en": "012 VARIABLE OPEN",
            "fr": "VARIABLE OUVERT",
            "value": "2.750",
            "term_months": "12"
          },
          "3YearOpen": {
            "en": "3 year (open)",
            "fr": "3 ans (ouvert)",
            "value": "7.750",
            "term_months": "36"
          },
          "5YearClosed": {
            "en": "5 year (closed)",
            "fr": "5 ans (ferm\u00e9)",
            "value": "4.450",
            "term_months": "60"
          }
        },
        "fixedEcoSmartRate": {
          "5YearBmoEcoSmartMortgageTmClosed": {
            "en": "5 year (BMO Eco Smart Mortgage (TM) closed)",
            "fr": "5 ans (Hypoth\u00e8que \u00c9nergie Plus BMO (MC) ferm\u00e9)",
            "value": "5.340",
            "term_months": "60"
          }
        },
        "fixedLowRate": {
          "5YearLowRateClosed": {
            "en": "5 year low rate (closed)",
            "fr": "5 ans - petit taux (ferm\u00e9)",
            "value": "5.990",
            "term_months": "60"
          },
          "10YearLowRateClosed": {
            "en": "10 year low rate (closed)",
            "fr": "10 ans - petit taux (ferm\u00e9)",
            "value": "6.700",
            "term_months": "120"
          }
        }
      },
      "specialMortgageRates": {
        "fixed": {
          "36Month": "0.000",
          "48Month": "0.000",
          "60Month": "5.290",
          "84Month": "6.350",
          "120Month": "6.750"
        },
        "fixedEcoSmartRate": {
          "60Month": "4.090"
        },
        "fixedLowRate": {
          "60Month": "5.990",
          "120Month": "6.700"
        }
      },
      "homeownerReadiline": {
        "fixed": {
          "12Month": "5.490",
          "24Month": "4.890",
          "36Month": "6.050",
          "48Month": "5.990",
          "60Month": "6.090",
          "72Month": "6.290",
          "84Month": "6.400",
          "120Month": "6.800"
        },
        "variable": {
          "60Month": "4.450"
        }
      },
      "agriInvestRates": {
        "value": "1.750"
      },
      "timestamp": "8/23/2026, 08:36:22"
    }
  },
  "epm-prime": {
    "url": "https://www.bmo.com/public-data/api/epm/v1.0/bmo-epm-prime.json",
    "payload": {
      "caPrimeRate": {
        "value": "4.450",
        "effectiveDate": "2025-10-30"
      },
      "usBaseRate": {
        "value": "7.250",
        "effectiveDate": "2025-12-11"
      },
      "caDepositReferenceRate": {
        "value": "4.300",
        "effectiveDate": "2025-10-30"
      },
      "usDepositReferenceRate": {
        "value": "3.750",
        "effectiveDate": "2025-12-11"
      },
      "bankOfCanadaOvernightRate": {
        "value": "2.250",
        "effectiveDate": "2025-10-30"
      },
      "timestamp": "8/23/2026, 08:36:22"
    }
  }
}