British Columbia

Epic Equity Program

No income documents are required for our Epic Equity Program! If your client wants to just use equity, then this program is perfect for their needs.

First Mortgages Only

Maximum 65% LTV

Pricing OptionRate*Lender Fee
Epic Equity – Simplicity10.24%0%
Epic Equity – Flexibility 19.24%1%
Epic Equity – Flexibility 29.74%0.50%

As at Jan 1, 2023. Subject to change without notice.

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

Need to Know
  • Epic Equity
    • 1st mortgages only – urban locations
    • 65% LTV – up to $1,250,000 value – SFD/TWN/DPLX (call to discuss higher values)
    • 65% LTV – up to $1,000,000 value – Condos
    • Rental condos plus 1% rate surcharge
    • Simplicity & Flexibility pricing available
    • One & Two-Year Terms available
    • No GDS/TDS
    • No NOAs/T4s/Paystubs/Bank Statements required
    • Minimum Beacon/ERS of 580 for at least one applicant
  • Terms and Conditions
    • ONE YEAR TERM – OPEN upon payment of 60 days interest
    • TWO-YEAR TERM – First year closed (three-month interest pre-payment), second year FULLY OPEN. 0.25% rate premium.
    • PAYMENT – Interest 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 BUREAUS – Equifax or TransUnion accepted
    • RATE SURCHARGES – rental/holdco properties, high value, poor credit, out of country borrowers, two year terms
    • BROKER FREE – Tell us what your fee is! We’ll include it in our commitment, disclose it appropriately and pay you on funding

We’re here to help.

Fisgard also offers construction, commercial and bundle financing for those “outside the box” deals.

Let’s Work Together

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