Rates effective April 3, 2024

WE'RE HAVING A RATE SALE!

WE'VE REDUCED OUR RATES BY 30 BPS ON MOST PRODUCTS

BRITISH COLUMBIA

Lending on Single Family, Semi-detached, Condos, Townhouses & Mobiles on own land

1st MORTGAGES	Up to 60% LTV	Up to 65% LTV	Up to 70% LTV	Up to 75% LTV
Pop. 7,000+		9.95%*	10.25%*	10.50%*
Pop. 5,000 - 6,999		10.65%*	11.45%*
Pop 2,500 - 4,999	11.65%*	exception

ALBERTA

Lending on Single Family, Semi-detached, Condos, Townhouses & Mobiles on own land

1st MORTGAGES	Up to 60% LTV	Up to 65% LTV	Up to 70% LTV	Up to 75% LTV
Pop. 7,000+		9.95%*	10.25%*	10.50%*
Pop. 5,000 - 6,999	10.70%*	10.65%*	11.45%*
Pop 2,500 - 4,999	11.65%*

DISCRETIONARY RATE ADJUSTMENTS

FEES

Type	Fee
Lender Fee	1.55% (minimum $900)
Application Fee	$270.00
Early payout	3 months interest
Renewal fee	VARIES
Broker’s fee	We collect your fee for you
1 year open available	Additional 100bps interest bonus, paid at closing

MOBILE HOMES ON PAD (BC ONLY)

	SINGLE WIDE MOBILES	DOUBLE WIDE MOBILES
Criteria	Detail	Detail
Minimum loan amount	$25,000	$50,000
Maximum loan amount	Case by Case	Case by Case
Purchases	60% LTV (65% exception)	65% LTV
Equity Take Out	50% LTV	55% LTV
Rates	11.65%* Purchases 12.20%* ETO	10.95%* Purchases 11.45%* ETO
Term	1 year open	1 year open
Amortization	up to 25 years	25 years
Qualifying Mobile Home	Must be less than 20 years old OR substantially renovated.	Must be less than 20 years old OR substantially renovated.