Rate Sheet
| Product |
|---|
| 50% LTV |
| 65% LTV |
| 70% LTV |
| 75% LTV |
| Fee |
| First Mortgages | ||
|---|---|---|
| Product | Mortgage | Line of Credit |
| 50% LTV | 6.70%* | N/A |
| 65% LTV | 7.20% | P + 3.00%, min. 7.45% |
| 70% LTV | 7.70% | P + 3.50%, min. 7.95% |
| 75% LTV | 8.20% | P + 4.00%, min. 8.45% |
| Fee | 2.00% split | 2.50% split |
| Second Mortgages | ||
|---|---|---|
| Product | Mortgage | Line of Credit |
| N/A | N/A | |
| 65% LTV | 9.95% | P + 6.00%, min. 10.45% |
| 70% LTV | 10.95% | P + 7.00%, min. 11.45% |
| 75% LTV | 11.95% | P + 8.00%, min. 12.45% |
| Fee Split | 3.00% split | 4.00% split |
| Starting Rate |
|---|
| Max LTV |
| Fee |
| Commercial | |
|---|---|
| Starting Rate | P + 4.25%, min 8.70% |
| Max LTV | 65% |
| Fee | 3.00% split |
| Construction | |
|---|---|
| Starting Rate | P + 4.25%, min 8.70% |
| Max LTV | 65% |
| Fee | 3.00% split |
| Land | |
|---|---|
| Starting Rate | P + 5.25%, min 9.70% |
| Max LTV | 65% |
| Fee | 2.00% split |
*Minimum 680 beacon score required.
All mortgage products have 12 month open terms with interest only payments.
P denotes BMO Prime | Effective October 30th, 2025 BMO Prime = 4.45%
Rates are subject to change and may be withdrawn at any time without notice.
