Rates for Home Buyers

The Rates Below are for High Ratio Insured Mortgages.

High Ratio Mortgages mean that you have less than 20% down payment and will be required to obtain Mortgage Insurance.
Insured Mortgages for Purchases have a Maximum Purchase Price limit and must stay under $1,000,000.
Your Credit needs to meet the minimum qualifying score of 680 from Equifax.
Two Years Verifiable Income by way of Notice of Assessments, including Employment Letter and Paystub.
All Rates are subject to conditions and are O.A.C.

FIXED

PROMO: 1 Year Fixed Rate
High Ratio Mortgage

6.89%

3 Year Fixed Rate
High Ratio Mortgage

6.29%

4 Year Fixed Rate
High Ratio Mortgage

6.04%

5 Year Fixed Rate
High Ratio Mortgage

5.84%

1 Year Fixed for Self Employed

High Ratio Mortgage starting at

6.99%

2 Year Fixed Rate Self Employed
High Ratio Mortgage starting at

7.04%

VARIABLE

PROMO: 5 Year Variable Rate
High Ratio Mortgage

Prime - 0.10

5 Year Variable Rate
High Ratio Mortgage

1.35%

Prime -1.10%

Rates for Home Buyers

The Rates Below are for High Ratio Insured Mortgages.

High Ratio Mortgages mean that you have less than 20% down payment and will be required to obtain Mortgage Insurance.
Insured Mortgages for Purchases have a Maximum Purchase Price limit and must stay under $1,000,000.
Your Credit needs to meet the minimum qualifying score of 680 from Equifax.
Two Years Verifiable Income by way of Notice of Assessments, including Employment Letter and Paystub.
All Rates are subject to conditions and are O.A.C.

FIXED

PROMO: 1 Year Fixed Rate
High Ratio Mortgage

6.89%

3 Year Fixed Rate
High Ratio Mortgage

6.29%

4 Year Fixed Rate
High Ratio Mortgage

6.04%

5 Year Fixed Rate
High Ratio Mortgage

5.84%

1 Year Fixed for Self Employed

High Ratio Mortgage starting at

6.99%

2 Year Fixed Rate Self Employed
High Ratio Mortgage starting at

7.04%

VARIABLE

PROMO: 5 Year Variable Rate
High Ratio Mortgage

Prime - 0.10

5 Year Variable Rate
High Ratio Mortgage

1.35%

Prime -1.10%

Rates for Home Buyers

The Rates Below are for High Ratio Insured Mortgages.

High Ratio Mortgages mean that you have less than 20% down payment and will be required to obtain Mortgage Insurance.
Insured Mortgages for Purchases have a Maximum Purchase Price limit and must stay under $1,000,000.
Your Credit needs to meet the minimum qualifying score of 680 from Equifax.
Two Years Verifiable Income by way of Notice of Assessments, including Employment Letter and Paystub.
All Rates are subject to conditions and are O.A.C.

FIXED

PROMO: 1 Year Fixed Rate
High Ratio Mortgage

6.89%

3 Year Fixed Rate
High Ratio Mortgage

6.29%

4 Year Fixed Rate
High Ratio Mortgage

6.04%

5 Year Fixed Rate
High Ratio Mortgage

5.84%

1 Year Fixed for Self Employed

High Ratio Mortgage starting at

6.99%

2 Year Fixed Rate Self Employed
High Ratio Mortgage starting at

7.04%

VARIABLE

PROMO: 5 Year Variable Rate
High Ratio Mortgage

Prime - 0.10

5 Year Variable Rate
High Ratio Mortgage

1.35%

Prime -1.10%

Rates for Refinance

The Rates Below are for Uninsured/Uninsurable Mortgages.

Uninsured/Uninsurable Mortgages mean that you have more than 20% down payment or
you’re refinancing your mortgage up to 80% of the home value and do not require Mortgage Insurance.
Mortgages Eligible including purchases up to and above $1,000,000 purchase prices or refinances up to 80% of the home value.
Your Credit needs to meet the minimum qualifying score of 680 from Equifax for Purchases and 650 from Equifax for Refinances.
Two Years Verifiable Income by way of Notice of Assessments, including Employment Letter and Paystub.
All Rates are subject to conditions and are O.A.C.

FIXED

PROMO: 5 Year Fixed Rate
Conventional Mortgage

2.94%

1 Year Fixed Rate
Conventional Mortgage

2.29%

2 Year Fixed Rate
Conventional Mortgage

2.09%

3 Year Fixed Rate
Conventional Mortgage

2.74%

4 Year Fixed Rate
Conventional Mortgage

2.84%

7 Year Fixed Rate
Conventional Mortgage

4.34%

10 Year Fixed Rate
Conventional Mortgage

4.44%

6 Month Fixed Rate
Conventional Mortgage

6.15%

VARIABLE & HELOC

5 Year Mortgage & HELOC Combo
Variable Rate Mortgage + Variable Rate LOC

1.45% + 3.05%

Prime -1.00% / Prime + 0.50%

5 Year Variable Rate
Conventional Mortgage

1.45%

Prime -1.00%

Ready to Get Started?

There are many mortgage options available for all walks of life.  Your solution will be custom tailored for your specific scenario and aimed to best help you achieve your desired goals.  Let’s get in touch and have a quick conversation to gain a better understanding of how we can help you!

Alternative Mortgages

for Home Buyers & Refinance Clients

The Rates Below are for Alternative Mortgages.

Alternative Mortgages mean that you have more than 20% down payment or you’re refinancing your mortgage
up to 80% of the home value and do not require Mortgage Insurance.
Ideal Solution for Purchases that exceed a purchase price of $1,000,000, or self employed individuals
without the ability to meet Prime Income Qualificaion requirements.
Your Credit needs to meet the minimum qualifying score of 550 from Equifax.
Stated Income Qualification by way of Tax Documents and/or 6 Month Bank Statements,
including Employment Letter and Paystub if Employed or Self Declared Income Statement
and additional documents if Self Employed / Business Owner.
All Rates are subject to conditions and are O.A.C.

FIXED

PROMO: 1 Year Fixed Rate
700+ Credit Score

2.59%

1 Year Fixed Rate
680+ Credit Score

2.94%

1 Year Fixed Rate
640+ Credit Score

3.09%

1 Year Fixed Rate
600+ Credit Score

3.34%

1 Year Fixed Rate
575+ Credit Score

3.59%

1 Year Fixed Rate
550+ Credit Score

3.84%

1 Year Fixed Rate
500+ Credit Score

4.09%

Ultimate Open Mortgage
1 Year Term Only

4.39%

VARIABLE

1 Year Variable Rate
640+ Credit Score

3.25%

Prime +0.80%

1 Year Variable Rate
600+ Credit Score

3.50%

Prime +1.05%

Ready to Get Started?

There are many mortgage options available for all walks of life.  Your solution will be custom tailored for your specific scenario and aimed to best help you achieve your desired goals.  Let’s get in touch and have a quick conversation to gain a better understanding of how we can help you!

Private Mortgage Rates

The Rates Below are for Private 1st & 2nd Mortgages.

Private Mortgages are typically Interest Only options meant for short term solutions.
Limitations may exist depending on property type, client profile
and variable items that come up during your transaction.
Fees will be charged for Private Mortgages, there will be a lender fee and broker fee as standard practice.
Your Credit should be above 500, but some exceptions exist, keep in mind
rate and fees increase when a clients profile is below acceptable limits.
No Income Verification means your income will not be verified, but it still needs to be provided.
Typically 1-2 income documentation fits the bare minimum requirement.
All Rates are subject to conditions and are O.A.C.

PRIVATE FIRST (1ST) MORTGAGES

PROMO: 1 Year Fixed Rate
750+ Credit Score

3.99%*

Starting from 3.99% and up
75% Loan to Value (LTV)
Max Loan of $1,250,000

1 Year Fixed Rate
750+ Credit Score

5.14%*

Starting from 5.14% and up
80% Loan to Value (LTV)

1 Year Fixed Rate
680+ Credit Score

6.99%*

Starting from 6.99% and up
85% Loan to Value (LTV)

1 Year Fixed Rate
650+ Credit Score

7.99%*

Starting from 7.99% and up
90% Loan to Value (LTV)

1 Year Fixed Rate
500 – 600+ Credit Score

5.14%*

Starting from 5.14% and up
70% Loan to Value (LTV)

1 Year Fixed Rate
500 – 600+ Credit Score

6.99%*

Starting from 6.99% and up
75% Loan to Value (LTV)

1 Year Fixed Rate
Any Credit Score

7.99%*

Starting from 7.99% and up
80% Loan to Value (LTV)

1 Year Fixed Rate
Any Credit Score

8.99%*

Starting from 8.99% and up
85% Loan to Value (LTV)

PRIVATE SECOND (2ND) MORTGAGE

1 Year Fixed Rate
650+ Credit Score

6.99%*

Starting from 6.99% and up
80% Loan to Value (LTV)

1 Year Fixed Rate
650+ Credit Score

7.99%*

Starting from 7.99% and up
80% – 90% Loan to Value (LTV)

1 Year Fixed Rate
600+ Credit Score

8.99%*

Starting from 8.99% and up
85% Loan to Value (LTV)

1 Year Fixed Rate
600+ Credit Score

7.99%*

Starting from 7.99% and up
80% – 90% Loan to Value (LTV)

NO APPRAISAL SECOND MORTGAGES

1 or 2 Year Terms Available
595+ Credit Score

7.99%

Closed Mortgage
Maximum Mortgage Amount of $200,000

1 or 2 Year Terms Available
595+ Credit Score

8.99%

Open Mortgage
Maximum Mortgage Amount of $200,000

Ready to Get Started?

There are many mortgage options available for all walks of life.  Your solution will be custom tailored for your specific scenario and aimed to best help you achieve your desired goals.  Let’s get in touch and have a quick conversation to gain a better understanding of how we can help you!

The GoldTree Advantage

The benefits of working with us, The GoldTree Team!

Trees

They help clean the air we breathe, filter the water we drink, and provide habitat to over 80% of the world’s terrestrial biodiversity. We do our part to preserve the sanctity of our planets trees by planting 100 Trees for EVERY Mortgage Transaction funded with us.

Clients

That’s you!  We do our very best to work with clients of all walks of life.  Like you, all clients are unique, with unique financial needs.  Let us help you get the best solution for your situation!

Journey

The GoldTree Client Journey, our own tailor made process that help clients, referral partners and lenders be informed every step of the way.

NETWORK

We work with Canada’s largest Banks, with multiple Alternative Banks for A/B Mortgages and Loans, Trust Companies, Credit Unions, Mortgage Investment Corporations, and our own Personal Network of Private Lenders.

Start Your Journey

+1 289 201 8566

info@goldtreemortgage.com