Our diversified mortgage portfolio includes single-family residential loans across Canada originated via our wholly-owned subsidiary, XMC Mortgage Corporation.
| Single Family Insured Lending | |
| Loan Size | Up to $999,999 including insurer's premium |
| Security | First mortgage on the property |
| Term | 3 and 5 years |
| Interest Rate | Fixed |
| Loan to Value | Up to 95% |
| Debt Service Ratio (GDS/TDS) | As per Mortgage Insurer’s Guidelines |
| Minimum Beacon Score | ≥ 650 |
| Loan Size | Security | Term | Interest Rate | Loan to Value | Debt Service Ratio (GDS/TDS) | Minimum Beacon Score |
| Up to $999,999 including insurer's premium | First mortgage on the property | 3 and 5 years | Fixed | Up to 95% | As per Mortgage Insurer’s Guidelines | ≥ 650 |
| Single Family Uninsured Lending | |
| Loan Size | Up to $2.5 million |
| Security | First mortgage on the property |
| Term | 1, 2, and 3 year term |
| Interest Rate | Fixed |
| Loan to Value | ≤ 80% |
| Debt Service Ratio (GDS/TDS) | ≤ 48% |
| Minimum Beacon Score | ≥ 500 |
| Loan Size | Security | Term | Interest Rate | Loan to Value | Debt Service Ratio (GDS/TDS) | Minimum Beacon Score |
| Up to $2.5 million | First mortgage on the property | 1, 2, and 3 year term | Fixed | ≤ 80% | ≤ 48% | ≥ 500 |
