Here’s an example: if you borrow $100,000 and your lender charges an interest rate of 5%, you’ll pay $5,000 per year in interest. It’s a percentage of your mortgage loan amount. Your mortgage interest rate is the fee your lender charges you to borrow money. Here's what you need to know about borrowing money with a Manulife One mortgage. You’ll have one-time costs as well as ongoing expenses that come with homeownership.

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