CURRENT RATES

5 Year Mortgage Rates
Term TypeRatePromo & Info
5 YearFixed (standard)2.49%
5 YearFixed (promo)2.29%-*call for restrictions
-High Ratio Only
-Meet property guidelines
5 YearFixed (promo)2.49% & -Condo Doc Review, Reimbursement $500 *call
5 YearVariable (promo)2.10%
* Subject to change without notice *OAC *Some Underwriting Restrictions Apply
Our Mortgage Rates
TermTypeRate
2 YearFixed2.19%
3 YearFixed2.29%
4 YearFixed2.39%**High Ratio Only
5 YearFixed2.29%**restricted, call for details
6 YearFixed2.99%
7 YearFixed2.99%
10 YearFixed3.54%

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MORTGAGE SUPPORT DOCUMENTATION CHECK LIST

Yes that’s right there is some support documentation that you need in order to get a mortgage, especially through a bank or trust company that is offering the best mortgage rates. Think of it this way: How much documentation would you require if you were going to lend someone hundreds of thousands of dollars? In exchange for verifying your income, credit and assets, lenders have the security and confidence to offer you their best mortgage products and interest rates.

Basic Personal Information

  • Full legal name
  • Marital Status
  • 3 years of address history, including details on your existing property
  • 3 years of work history including role, salary and position

Supporting Documentation (salaried individuals)

  • Fully executed offer to purchase (IF purchasing a property)
  • MLS Details/Feature Sheet/Property Details (for purchase or refinance mortgages)
  • Employment letter
  • Recent pay stub
  • Copy of your driver’s license
  • Void cheque                        
  • 2 years Notice of Assessments from CRA (IF you need to prove overtime or commission income)
  • Current mortgage statement (if you are not selling your property and intent to keep it)
  • Lease Agreement (if you are keeping your property and renting it out)
  • Sale Agreement (if you are required to sell your existing property)
  • Proof of down payment – 90 day history on funds you intend to use. Via bank or investment statements and including a current balance
  • Gift letter – if you are receiving gifted money from a family member (as some lenders require this on their letterhead it is best to obtain from your mortgage associate)

Supporting Documentation (self-employed individuals) ***Additional Documentation***

  • 2 years T1 Generals and Statement of Business Activities
  • 2 years of Notice of Assessments from CRA
  • Certificate of Incorporation
  • Articles of Incorporation
  • 1 or 2 years of company financials (may be requested in addition to personal income)
  • Registered Trade Name
  • Letter from Accountant (if you are utilizing company money for down payment an accountant may have to write a letter explaining what form the money will be drawn out I.E. dividend, wage, or loan

Supporting Documentation (purchase in holding company) ***Additional Documentation***

  • Articles of incorporation
  • Certificate of incorporation
  • 1 year company financials (lenders will want to verify holding company status versus operating company which they are less inclined to lend on)
  • Annual Return – potentially to show company is still active