Residential Mortgage Solutions
Flexible Financing Options for residential real estate.
Our residential mortgage team offers a reliable, long-term capital source for alternative residential mortgages, offering competitive terms and personalized service to referral mortgage brokers.
We take pride in our expertise, efficiency, and dedication to continuous process improvement.
Committed to supporting mortgage brokers, we help them achieve their goals and deliver exceptional results for their clients.
Rates & Fees
We price deals on a case-by-case basis looking at the strengths and risks of each application based on the property and the merits of the file to ensure that we are always serving mortgage brokers and borrowers fairly.
Loan-To-Value
Up to 75%
Rates Starting From
6.99%**
Fees Starting From
1.25%
General Lending Guidelines
Loan-to-Value
Up to 75% LTV.
Mortgage Size
Mortgages: $500,000 up to $3,000,000*.
GDS/TDS
Not required.
Income
Stated income declaration.
Credit
Credit history and score will be used to determine payment options.
Credit Score ≥ 600 = interest only payments, and/or interest reserve holdback.
Credit Score ≤ 599 = interest reserve holdback.
History must support stated income declaration and exit strategy.
Terms
1 year fixed.
Amortization & Payments
Interest only payments. (see credit)
Interest reserve holdback payments. (see credit)
Property Details
Single family detached.
Strata condo’s & townhouses.
Bare land strata.
Multi-unit (duplex, triplex, fourplex).
Ownership & Use
Owner occupied, suite(s) permitted.
2nd homes.
Investment/Rentals.
Hold Co.’s (personal guarantees of all directors).
Mortgage Types
Purchases.
Equity take-outs.
Inter-alia blanket mortgages.
Refinances.
Bridge financing.
Prepayment
Open after 60 days with 15 days’ written notice
*mortgages larger than $3,000,000 will be considered on a deal-by-deal basis. **6.99% rate available up to 50% LTV on 1st mortgages.
Lending in the Greater Vancouver Area
Deal Submissions
Submissions can be made through the following portals:
