MORTGAGE BROKERS

For Mortgage Brokers: 

as of April 2025

• Rates - Fees - Terms - Locations:

  • 1st & 2nd Position Mortgages 

  • 9-14% Interest Rates: Rates determined based on Loan-To-Value (LTV), property location/type, credit

  • 1-2% Lender Fees

  • Up to 80% LTV on strong files

  • We lend throughout Alberta and Yukon, including rural land.  British Columbia on property valued under $2 million

  • No minimal credit scores

  • Interest only payments

  • 1 Year Open & Closed Terms 

• Streamlined Process:

  • Quick Turnaround: Same-day underwriting and approvals within 24 hours significantly accelerate the mortgage process, benefiting both brokers and their clients.

  • Efficient Communication: Regular updates to the broker at key stages (commitment, lawyer instructions, funding, fee payment, and annual renewal) maintain transparency and facilitate smooth communication.

• Our Competitive Advantages:

  • Speed: Fast approvals and funding allow brokers to close deals quickly and provide a superior client experience.

  • Direct Access: Your underwriter is a principal decision-maker, allowing for quicker and direct communication. 

  • Cost-Effectiveness: 

    • • • • Free in-house appraisals* can save both brokers and borrowers significant costs

          • Low fees compared to other private lenders (typically 1-2%)

          • Minimal and often waived renewal fees

          • Most loans are fully open mortgages

• You Choose Your Compensation:

  • Broker Control: Brokers have the autonomy to set their own fees, which are added to the Lender fee and capitalised into the mortgage, paid directly to the brokerage upon funding.

How To Submit Your Deal:

• Simply CALL or EMAIL first with the basic details to see if your deal is a fit. (property, loan amount, LTV, credit)

• The best way to submit a deal is via EMAIL with PDF attachments or Google Drive Share. (while we explore the benefits of Velocity, Filogix, Lendesk)

• Required Documents on All Files: Application, Credit Bureau, Notice of Assessments (NOA), Title

  • Additional documents dependant on deal (purchase agreement, 1st mortgage balance statement, budget, pay stub, etc)

*Free in-house appraisals are available for most standard properties in larger centres. Accredited appraisals may be required in certain cases, at the lender's discretion.