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 TD Bank Prime | Effective November 1st 2020 TD Bank Prime = 2.45%
Rates are subject to change without notice.
Starting Rate Processing Fee MAX LTV
First Mortgages 5.95% 2.00% split 80%
Second Mortgages 7.95% 3.00-4.00% split 75%
Construction P + 4.00% 2.00% split 65%
Commercial P + 4.00% 2.00% split 65%
Land P + 5.00% 2.00% split 65%

Lending Areas

The Lower Mainland

Greater Vancouver and Fraser Valley

Vancouver Island

Victoria north to Courtenay/Comox

The Interior

Kamloops, Kelowna, Vernon and Penticton

Sea-to-Sky Corridor

Squamish, Whistler and Pemberton

The Sunshine Coast

Gibsons and Sechelt

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.


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


Investment Inquiries

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