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About
How It Works
Why Us?
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Resources
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Careers
Contact
Apply Now
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Debt Consolidation
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Documents
CT- SID FORM
HT SID FORM
Scotia SID form
Tenant Ack
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Glossary Terms
2nd Mortgage
Guarantor Vs. Co-signor
Income
Title Insurance
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Products
BFS B Lenders
Equity Lending A Side
Family Plan - Insured
Reverse Mortgage
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Resources
2nd Mortgage – BrightPath Capital
2nd Mortgage – First National
2nd Mortgage – Haventree Bank
Borrowed Down Payment Purchase Program-Insured
2nd Mortgage
Adjustable vs. Variable Rate Mortgages
Bridge Financing
Business for Self Program- Insured
Commercial Mortgage Purchase Financing
Construction Mortgage (2nd Position)
Construction Mortgage-Prime Lender- Uninsured
Debt Consolidation
Family Plan
Fixed vs. Variable Rate Mortgages
Home Equity Line of Credit (HELOC)
Investment Property Purchase
Mezzanine Financing
Near Prime Purchase Financing and Refinancing
Near Prime Home Equity Line of Credit
New Development Financing
New to Canada – Scotia Bank
New to Canada – TD Bank
New to Canada – Wealth One
Private Mortgage (1st and 2nd)
Purchase Financing Insured
Refinancing Programs
Self Directed RRSP Program
Vacation Property Less than 20% Down
Vacation Property More than 20% Down
Vacation Properties/Second Homes Insured
Documents
Appraisal request form Appraisers Canada
Authorization to Disclose- Progressive Form
Approved List - Appraisers-( Updated Feb 16 2018)- Community Trust
b2b income attestation
BDC application form
Construction Cost Template- Pillar
Construction Cost Template- Firm Capital
CT - Approved List - Appraisers
CT - Consent form
CT- SID FORM
CTC- Payment change Request Form
Gift Letter
Gift letter- B2B
Gift letter- NPX
Gift letter- Merix
Gift letter- CTC
GIFT LETTER- HT
Gift letter- RBC
HBP (Home Buyer's Plan) RRSP Withdrawal Form
HT SID FORM
HT SID FORM- Effective May 2022
HTC- Certificate_of_Independant_Legal_Advice
HTC consent
HTC KYC Form
HTC - Mortgage_Default_Insurance_Disclosure_ENG
HTC- Ontario- Standard Charge Terms Feb 2019
HTC- Ontario Elv Schedule to Charge Mortgage No Guarantee
HTC- Payment Change Request Form
HTC- Pre Authorized Debit Agreement
HTC- Separate Disclosure Form
HTC- Solicitor Final ReportP RAF 15016 ANG FAX (1)
HTC- Statutory_Declaration
HTC-Acknowledgement_and_Direction_re_Funds
HTC-Authorization_direction_and_consent_elv
HTC - Politically Exposed Persons Form
HTC-Resolution_of_Board_of_Directors
HTC-Solicitor_Declaration_re_Identification
HTC- Waiver_of_Independent_Legal_Advice_New
HTC = General Instructions to Solicitors November 29 2019 English
HTC-Authorization and Direction re Funds
IRD Calculator
MCF Investments APPRAISAL REQUIREMENTS
Meridian Business Loan Applicaiton
Networth statement- B2B
Networth statement- General
MCAP broker conset
Pre-Authorized Payment Form (PAD)- SCOTIA
Progress Report- Construction
Promissory Note
PSOA- RBC
PSOA- Scotia
RBC appraisal List- June 2022
Rent Roll
Rental Worksheet- TD
Rental Worksheet- Merix
RFA- Authorize to Disclose
RFA- BFA Assist Attestation- B side
RFA- BFS Template
RFA- Bridge Loan Request Form
RFA- Gift Letter
RFA- Request For Statement and Authorization
RFA- Third Party Consent Form
Scotia- Consumer Disclosure
Scotia Discharge Request
Scotia Gift Letter
Scotia- ILA
Scotia- Matrimonial Questionnaire
Scotia- Pre-Authorized Payment Form
Scotia SID form
Scotia- Rental Breakdown
SCOTIA STEP Breakdown
Shinhan App
Street Gift letter
Street SID form
Suitability Disclosure
TD- Consumer Disclosure
Tenant Ack- CTC
Tenant Ack
Glossary Terms
Auto Property Valuation - No Appraisal Needed (CMHC Emili and FCT IAVM)
2nd Mortgage
Construction Mortgage
Bank Vs. Trust Companies
Bank Vs. Credit Unions
Private Lenders
Home Equity Line of Credit Vs. Mortgages
What are MFC’s?
1st Vs. 2nd Vs. 3rd Mortgages
Individual Private Lenders Vs. Mortgage Investment Corporations
Syndicated Mortgage
BFS Requirements (Business For Self)
First-Time Home Buyer Requirements and Government Programs
Less than 20% Down Payment Requirement
Payment Frequency Differences
Term Differences
Guarantor Vs. Co-signor
Prepayment Penalty
Fixed Vs. Variable Mortgages
Open vs Closed Mortgages
Amortization Options
Rent-to-Own Program
Farm Properties including Hobby Farms
Rural Properties
What do the GDS/TDS Ratios Mean?
Assignment Purchase Financing
What are the Commercial Lending Guidelines?
Acceptable Forms of Down Payment
How Much of a Down Payment do I Need?
What Do Lawyers Do, and When Should You Get One?
Prime Vs. Near Prime Vs. Alternative (or A, B or C lenders)
65% Loan to Value Mortgage
Standard Vs. Collateral Charge Mortgage
Assumable Mortgages
Portable Mortgages
Bare Land Condo/Strata
Beacon/Credit Score/Credit History
How to Get a Mortgage with Bad Credit
Blanket/Inter Alia Mortgage
Bridge Loan
COVID-19
Holding Company/Business Co title
Closing Costs
Condos
Cottage/Recreational Property Financing- Type A and Type B definitions here as per Sagen’s U/W guidelines
CMHC Green Home
Sagen Energy Efficient Housing Program
Debt Servicing or DSR
Digital Signing
Equity Lending or Net Worth Lending
First-Time Home Buyer’s Incentive
Income
Interest-Only Mortgage
Insurance Premiums
What is the Interest Adjustment?
Leased Land
Micro Condos
Military DND Mortgage
Prepayment Options
Types of Property
Qualifying Rate
Raw Land
Shelter Costs: Costs of Owning a Home
Sliding Scales
Variable-Rate and Adjustable-Rate Mortgages
What are Mobile, Manufactured and Modular Homes?
Power of Attorneys and Estates
Tax Arrears and Notice of Assessments
Pre-Qualifications, Pre-Approvals and Rate Holds
Mortgage Refinance or Renewal
Rentals (all on LenderSpotlight)
Reverse Mortgages
Spec Homes
Student Housing
Mortgage Switch or Transfer
Title Insurance
How to Increase Your Credit Score
Hybrid Mortgages
Products
2nd Mortgage up to 80 LTV (Qualified Income - B Lender)
2nd Mortgage up to 80% LTV Non-Qualified Income
2nd mortgage up to 85% LTV 2
2nd Mortgage up to 90% LTV
Agricultural B Lender
Agricultural Land Non-Traditional (Pillar)
Alternative 2nd Mortgage- Alternative 2nd Mortgage First Swiss Financial
Alternative 2nd Mortgage Prompt Financial
BFS A Lenders Financial Statements
BFS A Lenders Net Income Gross Up
BFS A Lenders Stated Income Less than 20% Down
BFS A Lenders up to 65% LTV
BFS B Lenders
Borrowed Down Payment_Flex Down – Insured
Commercial A Lending
Commercial B Lending
Construction Mortgage – Pillar MIC
Construction Mortgage 1st Position Trust Company
Construction Mortgage 1st Position
Construction Mortgage Private Lender 2nd Position
Equity Lending A Side
Equity Lending B Side
Family Plan - Insured
Farm Properties Non Income Qualifying
HELOC A Lenders
HELOC B Lenders
HELOC B Lenders_Trust Companies
Hobby Farms- Agricultural – Non Traditional (Pillar_MCF)
Hotel Condos Insured
Insured A Lenders 20% or Less Down
Interest Only Mortgage - Private Lender
Interest Only Mortgage B Lender
Investment Properties- _A_ Lenders- Incorporated Business Owners
Island Financing (Pillar Financial)
Net Worth Lending A Side
New to Canada A Lender Insured
New to Canada B Lender
New to Canada Conventional A Lender
New to Canada Foreign Income Product
No-Fee Private 1st Mortgage
Non-Conforming B Lending
Non-Resident Lending Non-Traditional
Non-Resident Lending
Off-Grid Non-Traditional (Pillar)
Private Individual Lender 2
Private Jumbo Loans
Private Mortgage MIC
Private Rural 1st Mortgage
Progress Advance - Insured
Property Financing on Leased Land
Purchase Less than 20% Down
Purchase Plus Improvements Insured
Rent to Own Program
Residential on Agricultural Zoned Land B Lender
Reverse Mortgage No Age Restriction
Reverse Mortgage
Rural 2nd Mortgage
Rural A Lender
Rural B Lender
Second Home_Vacation Home A Lender
Second Home_Vacation Home Second Home_Vacation Home B Lender
Secondary Home Purchase Insured
Self-Directed RRSP Program – Insured
Standard B Lending
Switch_Transfer
Vacation Home Insured Non-Winterized
Vacation Home Insured Winterized and All Season
Weak or No Credit Mortgage Solutions