You’re more than a number.
Uninsured Series Mortgage Solutions
Alternate mortgage solutions for Canadians who want more.
You’ve changed. You’ve grown. You want a mortgage that fits your present and your future. If you would like to buy a new home or investment property, consolidate debt or refinance for a better interest rate, you’ve got more choices than you might think.
Now, discover your best mortgage.
The XMC Uninsured series of mortgage solutions is built for Canadians who understand – and embrace – the changes that have brought us here, to this place of opportunity and change. You require more from a mortgage lender than traditional banks and lenders are able to offer.
Let’s move forward together.
Discover Purchase and Refinance Mortgage Solutions offering up to 80% financing to clients who want to purchase a new property or refinance the one they already love.
We lend in more places across Canada to clients with credit challenges.
|Holding a Payment/ Delaying PAC||$82.00|
|Payment Frequency change (mid-term)||$82.00|
|Due Date change (mid-term)||$82.00|
|Amortization Period change|
(mid-term & excluding privilege payments)
|All provinces (excluding MB, BC, ON, AB and QC)||$365.00|
|Land Registration Fee - ON||$71.30|
|British Columbia (BC)||$75.00|
|Alberta (AB) and Quebec (QC)||$0.00|
|Second Request for Discharge Documentation (if misplaced)||$75.00 per hour|
|Discharge Reproduction - ON & QC||$25.00|
|Discharge Reproduction - all other provinces - NOT ON & QC||$100.00|
|All provinces (excluding NL, NS, PE and QC) (AB*)||$365.00|
|Nova Scotia (NS)||$25.00|
|Prince Edward Island (PE)||$25.00|
|*Alberta – a fee can only be charged if Transfer docs have been requested (Otherwise, it’s a discharge and no fee applies)||$365.00|
|All provinces excluding Quebec||$250.00|
Assumptions and Release of Covenant
|Release of Covenant||$350.00|
|Qualified Assumptions |
(All provinces except Alberta)
|Payment of Tax Arrears||$150.00 & up|
|Payment of Utility Arrears||$50.00 & up|
|Tax Account breakdown statement||$75.00 per hour|
|Tax administration fee from municipality (if applicable)||Fee varies per
|Tax Portion Cancelation||$75.00|
|Bankruptcy/Consumer Proposal Administration||$300.00 & up|
|Payment of Condo Fees||$150.00 & up|
|Reprint of Annual Statement||$25.00|
|Request for copy of materials from file (if authorized)||$25.00|
|Fire/water damage insurance claims inspection||Fee varies|
|Impairment Insurance||$250 every quarter|
|Occupancy checks||Fee varies|
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