Solutions
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.
Payments
Returned Payments | $153.00 |
Holding a Payment/ Delaying PAC | $90.00 |
Payment Frequency change (mid-term) | $90.00 |
Due Date change (mid-term) | $90.00 |
Amortization Period change (mid-term & excluding privilege payments) | $90.00 |
Discharges
All provinces (excluding MB, BC, ON, AB and QC) | $380.00 |
Land Registration Fee - ON | $77.62 |
Manitoba (MB) | $235.00 |
British Columbia (BC) | $75.00 |
Ontario (ON) | $380.00 |
Alberta (AB) and Quebec (QC) | $0.00 |
Second Request for Discharge Documentation (if misplaced) | $85.00 per hour |
Discharge Reproduction - ON & QC | $25.00 |
Discharge Reproduction - all other provinces - NOT ON & QC | $100.00 |
Assignment/Transfers
All provinces (excluding NL, NS, PE and QC) (AB*) | $380.00 |
Newfoundland (NL) | $50.00 |
Nova Scotia (NS) | $25.00 |
Prince Edward Island (PE) | $25.00 |
Quebec (QC) | $0.00 |
*Alberta – a fee can only be charged if Transfer docs have been requested (Otherwise, it’s a discharge and no fee applies) | $380.00 |
Partial Discharge
All provinces excluding Quebec | $250.00 |
Assumptions and Release of Covenant
Release of Covenant | $350.00 |
Qualified Assumptions (All provinces except Alberta) | $450.00 |
Taxes
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 Municipality |
Tax Portion Cancelation | $75.00 |
Legal Action
Default Administration | $350.00 |
Bankruptcy/Consumer Proposal Administration | $300.00 & up |
Payment of Condo Fees | $150.00 & up |
Miscellaneous
Reprint of Annual Statement | $75.00 |
Request for copy of materials from file (if authorized) | $25.00 |
Fire/water damage insurance claims inspection | Fee varies |
Impairment Insurance | $400 every 3 months |
Occupancy checks | Fee varies |
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