1st Rates From
2nd Rates From
Fee Range
Term
Prepayment Terms
1st Mortgage
2nd Mortgage
HELOC 1st
HELOC 2nd
Max Ltv 1st
Max Ltv 2nd
Min/Max Mtg
Beacon
Interest Only
Prepaid Int.
Provinces
Residential
Commercial
Rentals
Bridges
Construction
NIQ
GDS / TDS
Well & Septic
Lending Areas
7.79%
9.74%
1.99% - 3.24%
1yr
3 month interest
75%
75%
$25k - $2m
N/A
Optional
ON
N/A
GTA / Gldn Hrshoe / Durham / Ott. / Halton
6.99%
8.99%
1% - 4.5%
1yr - 2yr
3 month interest
70%
80%
$10k - $1.5m
N/A
Optional
AB, BC, ON
50%/50% or N/A if Prepaid
10,000
6.95%
10.65%
0-2%
1yr - 2yr
Open or 3 months Int.
75% Urban / 65% Rural
70% Urban / 60% Rural
$50k - $750k
N/A
Yes
AB, BC, ON
N/A
Click to View
8.95%
11.95%
$750 - 1%
1yr
Open or 3M Interest on Closed
75%
75%
$50k - $2.5m
N/A
Optional
AB, BC, MB, ON, SK
N/A
Urban & Suburban from BC to ON
9.75%
10.5%
2% - 3% (negotiable)
1yr
Open
75%
75%
$25k - $1.5m
N/A
Optional
AB, BC, MB
N/A
Major Centers, Van Isl., Gulf Isl., Sunshine Cst
8.99
9.99
2.50% - 2.75%
3m/6m/12m
Open after 3m or 6m
70%
70%
N/A
N/A
Yes
ON
N/A
GTA
7.99% - 10.25%
N/A
1.25% - 1.99%
1m - 2yr
2 - 3mths
75%
60%
$100k - $2.5m
600
Yes
BC, ON
N/A
GTA Major Urban Towns
1st Rates From
2nd Rates From
Fee Range
Term
Prepayment Terms
1st Mortgage
2nd Mortgage
HELOC 1st
HELOC 2nd
Max Ltv 1st
Max Ltv 2nd
Min/Max Mtg
Beacon
Interest Only
Prepaid Int.
Provinces
Residential
Commercial
Rentals
Bridges
Construction
NIQ
GDS / TDS
Well & Septic
Lending Areas
1st Rates From
2nd Rates From
Fee Range
Term
Prepayment Terms
1st Mortgage
2nd Mortgage
HELOC 1st
HELOC 2nd
Max Ltv 1st
Max Ltv 2nd
Min/Max Mtg
Beacon
Interest Only
Prepaid Int.
Provinces
Residential
Commercial
Rentals
Bridges
Construction
NIQ
GDS / TDS
Well & Septic
Lending Areas
8.99%
11.99%
2% - 3%
6m - 18m
3 mth / Negotiable
75%
75%
Up to $400k
500
Optional
ON
N/A
Windsor - Ottawa & S. of Sudbury
7.50%
10%
1.5% - 2%
1yr
3 mth interest
65%
65%
$250k - $5m
N/A
No
ON
N/A
Southern Ontario
8.99%
9.75%
1% - 2% - $2k min fee
1yr & 2yr
Open and Closed products
75%
75%
$25k - No Max
N/A
Yes
AB, BC, ON
N/A
Rural, Suburban And Urban Areas
5.95%
8.95%
1% - 4%
6m / 1yr
3 mth interest
65%
75%
Min $10k
N/A
Optional
AB, BC
N/A
Alberta & BC
9%
11%
2% (0.75% FF paid)
3m / 6m / 1yr
Open after 3m
75%
75%
$50k - $2m
N/A
Optional
QC
N/A
Greater Montreal Area
5.99% - 7.99%
8.99% - 11.99%
1st 2% - 4% / 2nd 2% - 5%
6m - 1yr
Open
80%
85%
$10k - $5m
N/A
Optional
ON
N/A
GTA / Major Urban Centers
7.45%
9.85%
1% - 2%
1yr - 2yr
Open
75%
75%
$150k - $3m
500
Optional
BC
N/A
Large Urban Areas
1st Rates From
2nd Rates From
Fee Range
Term
Prepayment Terms
1st Mortgage
2nd Mortgage
HELOC 1st
HELOC 2nd
Max Ltv 1st
Max Ltv 2nd
Min/Max Mtg
Beacon
Interest Only
Prepaid Int.
Provinces
Residential
Commercial
Rentals
Bridges
Construction
NIQ
GDS / TDS
Well & Septic
Lending Areas
5.99%
7.99%
0% - 3%
3M / 6M / 1Yr
Fully Open w/ Notice
75%
75%
Min - $50k 1st & $25k 2nd
N/A
Yes
ON
N/A
Ottawa & Eastern Ontario
6.49%
8.99%
1.5% - 3%
6m / 1yr / 2yr
Open
75%
80%
N/A
N/A
Optional
ON
N/A
N/A
9.99%
12.99%
1st - 2% & 2nd - 3%
3m / 6m / 1yr
3m & 6m are Open / 1yr is 3 mth interest
75%
80% (case-by-case)
1st Max $1m - 2nd Max $600k
N/A
Optional
ON
N/A
N/A
7.99%
9.99%
2% - 4%
1m - 12m
Negotiable
75%
75%
No Min - $1m
N/A
Optional
ON
N/A
GTA & Golden Horseshoe
6.99%
8.50%
1% - 2%
6m / 1yr
First 3m closed, open thereafter
75%
75%
$100k - $5m
600
Optional
AB, BC, ON
N/A
GVA & GTA & Major Urban
8.25%
12.99%
2 - 4%
6m - 1yr
Open
70%
70%
$25k - $500k
N/A
Yes
ON
N/A
N/A
9.25% - 10.49%
10.49% - 13.99%
2%
3m - 1yr
3m pen. (can be waived if 3 mth notice given)
75%
75%
$15k - $3m
N/A
Optional
AB, MB, ON
N/A
1.5hr from Miss. / Wpg. / Calg. / Edm.
1st Rates From
2nd Rates From
Fee Range
Term
Prepayment Terms
1st Mortgage
2nd Mortgage
HELOC 1st
HELOC 2nd
Max Ltv 1st
Max Ltv 2nd
Min/Max Mtg
Beacon
Interest Only
Prepaid Int.
Provinces
Residential
Commercial
Rentals
Bridges
Construction
NIQ
GDS / TDS
Well & Septic
Lending Areas
7.99%
8.99%
1-2% - $3,500 min.
1m - 2yr
Negotiable
75%
80%
$100k - $5m
N/A
Optional
BC, ON
N/A
N/A
9.49%
N/A
1.49% - 2.99%
3m / 6m / 1yr
Open & Closed w/ 2 mth int.
85%
N/A
$0 - $2m
600
Optional
ON
N/A
Urban Residential
8.99%
10.49%
1st 2.5-3% & 2nd 3.5%
6m / 1yr / 2yr
Fully Open / Open w/ 3 month penalty
75%
75%
$30k - $2m
N/A
Optional
AB, BC, ON
N/A and 50%/60% on certain products
50k (case-by-case for less)
10.99
11.99
0% - 2%
1 day - 2yr
Case-by-case
70%
70%
$50k - $3m
N/A
Optional
ON, QC
N/A
ON & QC
6.49%
8.49%
2% - 4%
Up to 1yr
3 mth interest
80%
80%
$15,000 - No Max
N/A
Optional
ON
N/A
Ontario
4.49%
8.99% - 12.99%
1st 1% - 2% & 2nd 3% - 5%
6m / 1yr
Fully Open or Closed w/ 3 month penalty
85%
85%
$20k - $1.5m
N/A
Optional
ON
Based on Product
Major Urban Centers
7.99%
9.99%
1.0% - 3%
6m - 2yr
Negotiable
70%
70%
$30k - $650k
N/A
Optional
ON
N/A
Southern Ontario
1st Rates From
2nd Rates From
Fee Range
Term
Prepayment Terms
1st Mortgage
2nd Mortgage
HELOC 1st
HELOC 2nd
Max Ltv 1st
Max Ltv 2nd
Min/Max Mtg
Beacon
Interest Only
Prepaid Int.
Provinces
Residential
Commercial
Rentals
Bridges
Construction
NIQ
GDS / TDS
Well & Septic
Lending Areas
4.99% - 8.99%
8.50% - 12%
0% - 5%
1yr - Flexible
Open or 3 months Int.
75%
75%
$25k - $400k
440
Yes
AB, BC, MB, ON, SK, YT
N/A
Everywhere - See Company page
From 10.50%
From 12.50%
From 2%
3m - 2yr
Negotiable
85%
85%
$1m - $20m
N/A
Optional
AB, BC
N/A
Metro B.C. & Alberta Areas
N/A
7.99%
Min $2500
3m - 3yr
3 mth interest
N/A
85%
No Min - $200k
375
Yes
AB, BC
N/A
All AB & BC
From 8.74%
From 10.99%
1.00% - 3.24%
6m - 1yr
Fully Open & 3 Mth Closed
75%
75%
$25k - $1m
N/A
Optional
ON
N/A
Ontario-Wide
7.99%
N/A
2%
1yr - 3 yr
Open after 6 months
65%
N/A
$500k - $15m
N/A
Optional
ON
N/A
Ontario
6.99% - 9.99%
7.99% - 13.99%
1st 2% - 3.5% & 2nd 3% - 6%
1st 3m - 2yr & 2nd 3m - 1yr
Open / 3 mth penalty / Custom
80%
80%
$50k - $1m+
NA
Optional
AB, BC, MB, ON, QC
Common Sense Lending
N/A
8.49%
9.49%
1.50% - 2.50%
3m / 6m / 9m / 1yr
Fully Open or Closed
80%
80%
$10k min
N/A
Optional
ON
N/A
Case-by-Case
1st Rates From
2nd Rates From
Fee Range
Term
Prepayment Terms
1st Mortgage
2nd Mortgage
HELOC 1st
HELOC 2nd
Max Ltv 1st
Max Ltv 2nd
Min/Max Mtg
Beacon
Interest Only
Prepaid Int.
Provinces
Residential
Commercial
Rentals
Bridges
Construction
NIQ
GDS / TDS
Well & Septic
Lending Areas
7.55%
10.05%
0% - 2%
1yr - 2yr
Open & See Rate Sheet
75%
70%
$50k - $1.25m
600
No
AB, BC, ON
N/A
See Details Page Links
5.95%
8.49%
1st flat 1% - 2nd 2%
1 yr - rate guarantee for 2 renewals
Open
75%
70%
$50k - $3m
N/A
Optional
AB, BC, ON
N/A
Major Urban Centers
7.64%
8.99%
1.55%(min $900)+ $270 app. fee
6m / 1yr / 2yr (flexible)
3 mth / OPEN Available
75%
75%
1st Max $400k/2nd Max $250k (exceptions)
N/A
Optional
AB, BC
N/A
BC & Alberta (small market specialists)
6.99%
8.99%
1% - 2%
1yr
Open; 3 months interest
80%
80%
$30k - No Max
N/A
Optional
ON
Must show ability to pay
Golden Horseshoe
7.50%
9.50%
2%
1yr - 3yr
Negotiable
80%
80%
$1m - $10m
N/A
Optional
ON
N/A
N/A
7.99%
11.49%
2% - 3%
6m - 1yr
Open and Closed Terms
80%
75%
$25k - $2m
N/A
Optional
ON
N/A
25,000
10.99% - 12.99%
11.99% - 13.99%
1st 3-5% / 2nd 3-6%
1yr - 3yr
3 month interest
75%
75%
$15k - $400k
N/A
Optional
AB, BC, MB, ON, SK
N/A
10,000
1st Rates From
2nd Rates From
Fee Range
Term
Prepayment Terms
1st Mortgage
2nd Mortgage
HELOC 1st
HELOC 2nd
Max Ltv 1st
Max Ltv 2nd
Min/Max Mtg
Beacon
Interest Only
Prepaid Int.
Provinces
Residential
Commercial
Rentals
Bridges
Construction
NIQ
GDS / TDS
Well & Septic
Lending Areas
5.99%
9.99%
1st from 1% & 2nd from 2%
6m / 1yr
Open
65%
80%
1st $100k/$900k - 2nd $15k/$250k
N/A
No
BC, MB, ON
N/A - Stated w/ 6 mth bank statements
50,000
8.49%
8.99%
1% - 2%
1yr
Negotiable
80%
75%
$75k - No Max
N/A
Optional
ON
N/A
Large Urban Areas
From 9.74%
From 11.99
0% - 1%
1yr - 2yr
See Broker Kit
75%
75%
$50k
N/A
Optional
AB, BC, MB, ON, SK
N/A
Please enquire for rural areas
7.99%
9.99%
2% - 3%
3/6/9/12m
3m interest
80%
80%
$25k - $1.5m
500
Optional
ON
N/A
Ontario-wide (>50k pop)
5.50% Res. / 5.85% Comm.
N/A
2% Split Res. / 1.5%-2.25% Comm
1yr - Flexible
Negotiable
65% Res / 75% Comm
N/A
$500k-$5m Res / $1m-$75m Comm
N/A
Optional
AB, BC, ON
N/A
Western Canada & GTA
6.99%
8.99%
1% - 3%
1m - 1yr
Negotiable
80%
80%
$20k - $1m
N/A
Optional
ON
N/A
30,000
9.50%
11.50%
2%
1yr - 3yr
Negotiable
75%
80%
$15k - $5m
N/A
Yes
ON
N/A
All Ontario
1st Rates From
2nd Rates From
Fee Range
Term
Prepayment Terms
1st Mortgage
2nd Mortgage
HELOC 1st
HELOC 2nd
Max Ltv 1st
Max Ltv 2nd
Min/Max Mtg
Beacon
Interest Only
Prepaid Int.
Provinces
Residential
Commercial
Rentals
Bridges
Construction
NIQ
GDS / TDS
Well & Septic
Lending Areas
9.50%
9.50%
1% - 2%
Up to 2yrs
Open
70%
75%
$500k - $20m
N/A
Optional
ON
N/A
GTA, Urban areas around GTA