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 July 12th 2023 BMO Prime = 7.20%
Rates are subject to change without notice.
Starting Rate Lender Fee MAX LTV
First Mortgages 9.95% 1.00% 75%
Second Mortgages 11.45% 1.50-2.00% 75%
Construction P + 4.50% 1.50% 65%
Commercial P + 4.50% 1.00% 75%
Land P + 5.50% 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 [email protected].


Contact Us

Kyle Williams

Director, Mortgage Sales

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

[email protected]

Investment Inquiries

[email protected]
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