What Defines Us

Resources

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Resources

Debt Consolidation

Mezzanine Financing

Purchase Financing

Refinancing Programs

Documents

CT- SID FORM

HT SID FORM

Scotia SID form

Tenant Ack

Glossary Terms

2nd Mortgage

Guarantor Vs. Co-signor

Income

Title Insurance

Products

BFS B Lenders

Equity Lending A Side

Family Plan - Insured

Reverse Mortgage

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