AB Mortgage Products

Fisgard offers multiple pricing options for first and second mortgages. Find Simplicity and Flexibility pricing models to suit your clients’ needs—enjoy a straight rate and no fee or drop the rate and add the fee.

First Mortgages

Up to 65% LTV

Pricing OptionRate*Lender Fee
Simplicity9.24%0%
Flexibility 18.24%1%
Flexibility 28.74%0.50%

Up to 70% LTV

Pricing OptionRate*Lender Fee
Simplicity9.74%0%
Flexibility 1 8.74%1%
Flexibility 29.24%0.50%

Up to 75% LTV

Pricing OptionRate*Lender Fee
Simplicity9.99%0%
Flexibility 18.99%1%
Flexibility 29.49%0.50%

As at Sept, 2022. Subject to change without notice.

DISCLAIMER: ​​
*Denotes the base rate and could increase depending on deal specifics. Flexibility Pricing offers additional rate & fee options not shown.

Need to Know
  • First Mortgages
    • 75% Max LTV – SFD/Duplexes/Townhomes
    • 65% Max LTV – Condos
    • Max value at 75% LTV is $750,000
    • High-end scale applies
    • No minimum beacon
    • No set GDS/TDS
    • Show us a reasonable ability to pay!
  • Terms and Conditions
    • ONE-YEAR TERM OPEN upon payment of 60 days interest
    • TWO-YEAR TERMFirst year closed (three-month interest pre-payment),second year FULLY OPEN, rate premium .25%
    • PAYMENTSInterest Only or P/I Amortized available
    • RENEWALS No Renewal Fee on 1st renewal, if paid as agreed and value has not declined. Appraisal may be required. Rate increase may apply
    • APPRAISALS Fisgard’s appraiser’s list, RPS, NAS, or Value Connect
    • CREDIT BUREAUSEquifax or TransUnion accepted
    • RATE SURCHARGESRental/holdco properties, high value, poor credit, out of country borrowers, two year terms
    • BROKER FREETell us what your fee is! We’ll include it in our commitment, disclose it appropriately and pay you on funding
Second Mortgages

Up to 65% LTV

Pricing OptionRate*Lender Fee
Simplicity11.49%0%
Flexibility 110.49%1%
Flexibility 210.99%0.50%

Up to 70% LTV

Pricing OptionRate*Lender Fee
Simplicity11.99%0%
Flexibility 110.99%1%
Flexibility 211.49%0.50%

Up to 75% LTV

Pricing OptionRate*Lender Fee
Simplicity12.99%0%
Flexibility 111.99%1%
Flexibility 212.49%0.50%
Need to Know
  • Second Mortgages
    • 75% Max LTV – SFD/Duplexes/Townhomes
    • 65% Max LTV – Condos
    • 1st mortgage not to exceed $450,000
    • Minimum mortgage amount $50,000
    • No minimum beacon
    • 2nd mortgage behind the balance, not the registered amount of a collateral charge!
  • Terms and Conditions
    • ONE-YEAR TERM OPEN upon payment of 60 days interest
    • TWO-YEAR TERMFirst year closed (three-month interest pre-payment),second year FULLY OPEN, rate premium .25%
    • PAYMENTSInterest Only or P/I Amortized available
    • RENEWALS No Renewal Fee on 1st renewal, if paid as agreed and value has not declined. Appraisal may be required. Rate increase may apply.
    • APPRAISALS Fisgard’s appraiser’s list, RPS, NAS, or Value Connect
    • CREDIT BUREAUSEquifax or TransUnion accepted
    • RATE SURCHARGESRental/holdco properties, high value, poor credit, out of country borrowers, two year terms
    • BROKER FREETell us what your fee is! We’ll include it in our commitment, disclose it appropriately and pay you on funding
The Business Development Team
Hali Noble
Senior VP, Residential Mortgage Investments & Broker Relations
250-480-8883
Reaza Ali
Broker Relations Manager – Eastern Canada
416-712-9680
Amy Chen
Broker Relations Manager – Western Canada
778-587-6742

Dedicated to mortgage brokers and their clients.

Let’s Work Together

Ready to discover the benefits of our alternative lending solutions? See what we can do for you and your clients.