Alternative Resources.
Welcome to our database of Alternative rates, product sheets & more.
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For more information contact your RVP.
Promotional Rates & Compensation.
Rates effective April 8, 2026 @ 12:01 am ET. | Black Indicates Recent Change
*Please note: all rates below are "starting at"
| Term/Credit | 680+ | 640+ | 600+ | 500 to 599 |
Insider Compensation*/Fee | Standard Compensation/Fee |
| 1 Year Fixed | 4.89% | 5.04% | 5.19% | 5.54% | 70 bps* | 60 bps |
| 2 Year Fixed | 4.94% | 5.09% | 5.24% | 5.59% | 80 bps* | 70 bps |
| 3 Year Fixed | 5.04% | 5.19% | 5.34% | 5.69% | 90 bps* | 80 bps |
| JUMBO Promotion Criteria* |
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| Low TDS Promotion Criteria* |
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Standard Rates & Compensation
Rates effective April 8, 2026 @ 12:01 am ET. | Light Teal Indicates Recent Change
*Please note: all rates below are "starting at"
| Term/Credit | 680+ | 640+ | 600+ | 500 to 599 |
Insider Compensation*/Fee | Standard Compensation/Fee | |
| 1 Year Fixed | 5.14% | 5.29% | 5.44% | 5.79% | 70 bps* | 60 bps | |
| 2 Year Fixed | 5.19% | 5.34% | 5.49% | 5.84% | 80 bps* | 70 bps | |
| 3 Year Fixed | 5.29% | 5.44% | 5.59% | 5.94% | 90 bps* | 80 bps | |
| Rate Premiums* |
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1% Lender Fee | |||||
*Insiders can earn an additional 5 bps EB
Additional rate premiums may apply | Maximum GDS/TDS 50% | Extended GDS/TDS up to 65% and credit scores below 500 considered on a case-by-case basis, contact your RVP. | Rate Hold: 90 days
Credit Matrix
| Extended ratios + | Extended ratios | Standard Ratios | ||
|---|---|---|---|---|
| Max LTV | 80% | 75% | 65% | 80% |
| Credit Score ≥ 720 | Max TDS = 60% | Max TDS = 60% | Max TDS = 65% | Max TDS = 50% |
| Credit Score ≥ 640 to 719 | Not Eligible | |||
| Credit Score ≥ 500 to 639* | Not Eligible | |||
| Credit Score < 500 | Case-by-case | Case-by-case | ||
| Property Location | GTA/GVA Only | Major | Major/Medium | Major/Medium/Minor |
| Occupancy | Owner Occupied & Rental | |||
Additional rate premiums and/or loan amount restrictions apply for extended ratios & credit score < 500.
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