To build a stronger partnership and to better serve your clients’ lending needs, we fully disclose all our rates and terms for each province.

POSTED 1ST RATES IN URBAN AREAS

LTV	Starting Rate	Lender Fee*
Less than 50%	5.99%	1.25%
50% to 60%	6.25%	1.25%
60% to 65%	6.99%	1.25%
65% to 70%	7.99%	1.25%
70% to 75%	8.49%	1.25%

POSTED 2ND RATES IN URBAN AREAS

LTV	Starting Rate	Lender Fee*
Less than 50%	7.25%	1.5%
50% to 60%	8.25%	1.5%
60% to 65%	8.75%	1.5%
65% to 70%	9.45%	1.5%
70% to 75%	10.25%	1.5%

Minimum $1,500 fee.

Important Notes & Conditions:

• Renewals: 1% fee with a minimum $350 and a maximum of $1,500
• Open period on fixed terms: All fixed terms have a 30-day open period before maturity
• Penalties: 3-months interest
• Deal size: Min $25,000
• 2nd behind CHIP: Up to 65% in major urban areas