Rate Sheet

Since 1991, First Circle Financial has worked closely with mortgage brokers to provide residential and construction equity-based mortgage financing solutions. It is our goal to make the mortgage broker’s life as easy as possible by providing mortgage solutions tailored to meet your clients’ needs.

All of our loans have 12 month open terms and interest only payments.
Longer terms are considered for first mortgages on owner-occupied properties.
P denotes BMO Prime | Effective June 2nd 2022 BMO Prime = 3.70%
Rates are subject to change without notice.
Starting Rate Lender Fee MAX LTV
First Mortgages 7.45% 1.00% 80%
Second Mortgages P + 5.25% 1.50-2.00% 75%
Construction P + 3.75% 1.00% 65%
Commercial P + 4.25% 1.00% 75%
Land P + 4.75% 1.00% 65%

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.

How to Submit a Deal

We accept electronic submission through Filogix, Velocity, and Lendesk. Alternatively you can submit by way of email to mortgages@firstcircle.ca.

Filogix
Velocity
Lendesk

Contact Us

Kyle Williams

business development manager

Steve Cross

vp, mortgage lending and operations

Jason Parlee

vp, mortgage lending

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 Applications

mortgages@firstcircle.ca

Investment Inquiries

invest@firstcircle.ca
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