At the moment in ON, we are lending on all our Prime+, Prime, Max and Flex upto 80% LTV (all 1st & 2nd mortgage options). For BC & AB, our first mortgage Prime+ is available upto 65% LTV and

We accept electronic deal submissions via Filogix & Finmo and via email: [email protected]. Please only submit your deals with a mortgage application, credit report and appraisal for review and pricing. Deals with out appraisals may not receive a priortized response.

Typically we can provide an answer and a pricing on the request within 2 hours after a full review. However we require an appraisal, credit report and application upfront to offer a clear pricing.

Our speciality is residential, while we do some small commercial for every deal our review requires an analysis of property marketability, days on market, adjusted expsoure and exit strategy. With city/town population sizes > 50k or within 15 minutes of a larger city/town we can offer upto 80% LTV on all properties except condominium properties.

For condos, our max at the moment is 65% and we will offer upto 75% on exception where we look for the condo to be a configuration of more than a 1+ Den. We need the condo to be appealing to a larger audience than just investor buyers.

We offer 80% LTV on First Mortgage deals that may not qualify with many other lenders on a private refinance or have credit concerns. Since we have no minimum credit requirement, we can be very competitive in a value offering for upto 80% LTV.

As a mortgage lender, the only other fee we charge a non-refundable admin fee against each file that has been underwritten, and is ready to be or has been committed. Our admin fee is $1000 for 1st Mortgages and $500 for 2nd mortgages. This fee helps us stay efficent on mortgage requests from serious borrowers and brokers and covers any incidental fees towards legals under a failed transaction instructed to lawyers. There are no hidden fees in our commitment, a schedule A is available for review here.