SK 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
Flexibility 19.49%1%
Flexibility 29.99%0.50%

66% to 70% LTV

Pricing OptionRate*Lender Fee
Flexibility 19.74%1%
Flexibility 210.24%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
  • First Mortgages
    • 75% Max LTV – SFD/Duplexes/Townhomes
    • 60% Max LTV – Condos
    • High-end scale applies
    • No minimum beacon
    • Not 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 TERM – First year closed (three-month interest pre-payment), second year FULLY OPEN. 0.25% rate premium.
    • PAYMENTS – 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, two year terms
    • BROKER FEE – Tell us what your fee is! We’ll include it in our commitment, disclose it appropriately and pay you on funding
Reaza Ali
National Broker Relations Manager
Paula Hutton
Paula Hutton
Western Canada Broker Relations Manager

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.