Alternative Resources.
Welcome to our database of Alternative rates, product sheets & more.
For more information contact your RVP.
Promotional Rates & Compensation.
Rates effective June 3rd, 2025 @ 12:01 am ET. | Teal Indicates Recent Change
*Please note: all rates below are "starting at"
| Term/Credit | 680+ | 640+ | 600+ | 500 to 599 | Insider Compensation*/Fee | Standard Compensation/Fee |
| 1 Year Fixed | 5.09% | 5.24% | 5.39% | 5.74% | 70 bps* | 60 bps |
| 2 Year Fixed | 4.99% | 5.14% | 5.29% | 5.64% | 80 bps* | 70 bps |
| 3 Year Fixed | 4.99% | 5.14% | 5.29% | 5.64% | 90 bps* | 80 bps |
| Criteria* |
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Standard Rates & Compensation
Rates effective June 3rd, 2025 @ 12:01 am ET. | Light Teal Indicates Recent Change
*Please note: all rates below are "starting at"
| Term/Credit | 680+ | 640+ | 600+ | 500 to 599 | Insider Compensation*/Fee | Standard Compensation/Fee | |
| 1 Year Fixed | 5.39% | 5.54% | 5.69% | 6.04% | 70 bps* | 60 bps | |
| 2 Year Fixed | 5.14% | 5.29% | 5.44% | 5.79% | 80 bps* | 70 bps | |
| 3 Year Fixed | 5.14% | 5.29% | 5.44% | 5.79% | 90 bps* | 80 bps | |
| Rate Premiums* |
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1% Lender Fee | |||||
*Insiders can earn an additional 5 bps EB
Additional rate premiums may apply | Maximum GDS/TDS 50% | Extended GDS/TDS up to 65% and credit scores below 500 considered on a case-by-case basis, contact your RVP. | Rate Hold: 90 days
Credit Matrix
| Extended ratios + | Extended ratios | Standard Ratios | ||
|---|---|---|---|---|
| Max LTV | 80% | 75% | 65% | 80% |
| Credit Score ≥ 720 | Max TDS = 60% | Max TDS = 60% | Max TDS = 60% | Max TDS = 60% |
| Credit Score ≥ 640 to 719 | Not Eligible | |||
| Credit Score ≥ 500 to 639* | Not Eligible | |||
| Credit Score < 500 | Case-by-case | Case-by-case | ||
| Property Location | GTA/GVA Only | Major | Major/Medium | Major/Medium/Minor |
| Occupancy | Owner Occupied & Rental | |||
Additional rate premiums and/or loan amount restrictions apply for extended ratios & credit score < 500.
Product Sheets.
Everything you need in one spot.
Forms.
Lending Areas.
Please use the Census Metropolitan Area (CMA) as defined by Statistics Canada. Assess the home and surrounding neighborhood with Google Maps (Satellite and Street view). Properties should be in excellent condition and in a marketable residential neighborhood with similar recent comparables.
Can’t find a location? Please contact your RVP.
Find a lending area near you
Type in Province or City you are looking for
Can't find a location? Please contact your RVP.
Case Studies.
