Real Deal | Refi to consolidate debt with 625 Beacon + Elevated Ratios

Refinance to consolidate debt
625 Beacon + Elevated Ratios

This week’s XMC Alternative refinance approval is for a waterfront home in Brechin, ON. A collapsed business venture and renovation debts resulted in damaged credit, but we are here to help your clients through situations like these.

The approval for 80% LTV at 3.69% despite elevated ratios and bruised credit, comes with Free Home System Warranty for the full year term! The Refinance will put the client in a much better financial position and help clean up credit going forward.

Deal Highlights

  • 30-year amortization
  • Bruised Credit
  • Elevated Ratios
  • Deal approved at 80% LTV
  • 1-year closed
  • 3.69%


  • GDS/TDS: 44.18%/53.52%
  • Beacon scores: 625


  • Type: Permanent full-time; Manager
  • Tenure: 6 months


  • Occupancy: Owner-Occupied
  • Location: Brechin, ON