Lender
Lender
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
7.95%
10.45%
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
10.75%
12.95%
$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
8.95%
11.45%
0 - 2%
1yr - 2yr
Open
75%
70%
$25k - $750k
N/A
Optional
AB, BC
N/A
BC & AB
7.49%
9.75%
1.00% - 2.25%
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
Lender
Lender
Lender
Lender
Lender
Lender
Lender
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%
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%
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
4.99%
7.99%
1% - 2%
6m - 1yr
Open and Closed Terms
80%
80%
$25k - $2m
N/A
Optional
ON
N/A
25,000
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
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
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
7.50%
9.50%
2%
1yr - 3yr
Negotiable
80%
80%
$1m - $10m
N/A
Optional
ON
N/A
N/A
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
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)
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
9.99%
N/A
1.99% - 2.49%
3m / 6m / 1yr
Open & Closed w/ 2 mth int.
80%
N/A
No Min - $1.5m
600
Optional
ON
N/A
Urban Residential
8.25%
12.99%
2 - 4%
6m - 1yr
Open
70%
70%
$25k - $500k
N/A
Yes
ON
N/A
N/A
8.25%
10.75%
0% - 2%
1yr - 2yr
Open & See Rate Sheet
75%
75%
$50k - $1.25m
600
No
AB, BC, ON
N/A
See Details Page Links
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
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
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
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
7.50%
10%
1.5% - 2%
1yr
3 mth interest
65%
65%
$250k - $5m
N/A
No
ON
N/A
Southern Ontario
6.99%
8.99%
1% - 3%
1m - 1yr
Negotiable
80%
80%
$20k - $1m
N/A
Optional
ON
N/A
30,000
7.99
10.99
0% - 2%
1 day - 2yr
Case-by-case
75%
75%
$50k - $3m
N/A
Optional
ON, QC
N/A
ON & QC
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
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
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
7.99%
9.99%
2% - 4%
1m - 12m
Negotiable
75%
75%
No Min - $1m
N/A
Optional
ON
N/A
GTA & Golden Horseshoe
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.
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
8.00%
10.5%
1.25% - 2% - $2k min fee
1yr & 2yr
Open and Closed products
70%
75%
$25k - No Max
N/A
Yes
AB, BC, ON
N/A
Rural, Suburban And Urban Areas
From 4.99%
From 7.99%
0% - 2%
1yr - 2yr
See Broker Kit
75%
75%
1st $30k - $1.65m / 2nd $30k min
N/A
Optional
AB, BC, MB, ON, SK
N/A
Please enquire for rural 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
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%
N/A
2%
1yr - 3 yr
Open after 6 months
65%
N/A
$500k - $15m
N/A
Optional
ON
N/A
Ontario
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
5.95%
8.95%
1% - 4%
6m / 1yr
3 mth interest
65%
75%
Min $10k
N/A
Optional
AB, BC
N/A
Alberta & BC
6.49%
8.99%
1.5% - 3%
6m / 1yr / 2yr
Open
75%
80%
N/A
N/A
Optional
ON
N/A
N/A
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
7.99%
9.99%
1.0% - 3%
6m - 2yr
Negotiable
70%
70%
$30k - $650k
N/A
Optional
ON
N/A
Southern Ontario
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
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
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
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)
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
8.49%
8.99%
1% - 2%
1yr
Negotiable
80%
75%
$75k - No Max
N/A
Optional
ON
N/A
Large Urban Areas
7.45%
9.85%
1% - 2%
1yr - 2yr
Open
75%
75%
$150k - $3m
500
Optional
BC
N/A
Large Urban Areas
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