Our First Mortgage Product a flexible solution.  Offering competitive loan-to-value (LTV) ratios of 75% for purchases and 70% for refinances, with case-by-case exceptions allowing up to 80% for purchases and 75% for refinances in the Greater Toronto Area (GTA) core.

Our First Mortgages offer a fully open structure, with a 30-day notice period for added flexibility. We don't focus on Gross Debt Service (GDS), Total Debt Service (TDS), the number of properties owned, or maximum loan amounts. There are no upfront fees or hidden penalties.

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