BC Mortgage Rates change daily.
And sometimes Mortgage Rates in BC change dramatically, without warning. If you are shopping for a mortgage so you can purchase a home you should always consider a pre-approval so you can have your lender 'hold your rate'.
If you are refinancing you can not hold a rate or get pre-approved. You should always consult a licensed professional mortgage broker, even if it's just for a second opinion. Many mortgage brokers are quite generous with their time and expertise and since the consultation costs you nothing it makes sense no matter what the situation may be.