Residential Mortgages

First Circle Financial provides short-term, residential, first and second, mortgage solutions to borrowers that do not meet conventional underwriting criteria. Our most popular product is a one-year open mortgage.

We are a non-income qualifying lender able to look past conventional debt servicing requirements. Our goal is to provide straightforward mortgage solutions designed to help your clients when the banks cannot.

Residential Product Features:

Starting Rate: See Rate Sheet
Starting Fee: 2.00% split
Max Loan: 80% LTV on purchases and 75% LTV on equity-take-outs
Payments: Interest only
Term: Up to 12 months
Prepayment: Open

First Circle Financial is able to consider the following:

  • Owner-occupied and revenue properties
  • Non-resident, corporate and self-employed borrowers
  • Bridge loans and inter alia charges
  • Recently discharged bankrupts
  • Debt consolidation loans
  • And much more!

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