Since 1991, First Circle Financial has worked closely with mortgage brokers to provide residential, commercial, construction and land alternative mortgage solutions.

The broker channel is our lifeblood; it is our goal to make your life as easy as possible by providing mortgage solutions tailored to meet your clients’ needs.

Rate Sheet

65% LTV
70% LTV
75% LTV
First Mortgages
Product Mortgage Line of Credit
65% LTV 9.45% P + 2.50%, min. 9.45%
70% LTV 9.70% P + 2.75%, min. 9.70%
75% LTV 9.95% P + 3.00%, min. 9.95%
Fee 2.00% split 2.50% split
Second Mortgages
Product Mortgage Line of Credit
65% LTV 11.45% P + 4.50%, min. 11.45%
70% LTV 12.95% P + 6.00%, min. 12.95%
75% LTV 12.95% P + 6.00%, min. 12.95%
Fee 3.00% split 4.00% split
Starting Rate
Starting Rate P + 4.00%, min 10.95%
Max LTV 75%
Fee 2.00% split
Starting Rate P + 4.00%, min 10.95%
Max LTV 65%
Fee 3.00% split
Starting Rate P + 5.00%, min 11.95%
Max LTV 65%
Fee 2.00% split

All mortgage products have 12 month open terms with interest only payments.

P denotes BMO Prime | Effective June 6, 2024 BMO Prime = 6.95%
Rates are subject to change and may be withdrawn at any time without notice.

Lending Areas

Lower Mainland

Metro Vancouver and Fraser Valley

Vancouver Island

Greater Victoria north to Campbell River, Port Alberni and Salt Spring Island

Thompson and Okanagan

Kamloops, Kelowna, Vernon, Penticton and Salmon Arm

Sea-to-Sky Corridor

Squamish, Whistler and Pemberton

Sunshine Coast

Gibsons, Sechelt and Halfmoon Bay

Northern BC and Kootenays

Prince George and Cranbrook

Other nearby cities may be considered on a case-by-case basis.

Broker Resources

How to Submit a Deal

We accept electronic submission through Filogix, Velocity, and Lendesk.


Contact Us

Kyle Williams

Director, Mortgage Sales

Jason Parlee

Vice President, mortgage lending

Giovanni De Santis BBA

Mortgage Underwriter

Iva Carlisle

Underwriter and Mortgage Administration Manager

Get in touch with First Circle Financial

If you are a mortgage broker interested in straightforward mortgage solutions or an investor looking for reliable returns and peace of mind, we would love to speak with you!

Contact Number

(604) 986-3200

Mortgage Inquiries

[email protected]

Investment Inquiries

[email protected]
Mortgage Professionals Canada Logo
Canadian Alternative Mortgage Lenders Association Logo