Mortgage Rate Offerings

Prime Rate 6.70% Brokerage Lic # 11479

Qualifying Rate 5.25% Issue date: 1-Jun-23

Variable & Adjustable Closed/ Fixed Term Refinances Rental Properties

6 Mth 5 Yr VRM/ 5 Yr VRM/ Type (A or

Terms 5 YR HR 5 YR Conv. 1 YR 2 YR 3 YR 4 YR 5 YR Fixed HR 5 YR Fixed Conv. 6 YR 7 YR 10 YR 5 Yr Fixed 5 Yr Fixed Pre-Approval Last Update
Convertible ARM ARM B)

25 Yr/
30 Yr
Insurable

Lowest Rate P-1.0% P-0.60% 5.89% 5.09% 5.09% 5.19% 4.79% 4.79% 4.94% 5.74% 5.84% 6.00% 5.49% P-0.40% 5.29% P-0.25%

TD Canada Trust P-0.45% P-0.40% 6.44% 6.04% 5.79% 5.34% 5.19% 4.89% 5.14% 5.24% 5.74% 5.84% 6.00% - - 5.29% P-0.25% A RH 30-May-23

B2B P-0.80% P-0.20% 6.34% 6.14% 5.94% 5.80% 4.99% 5.74% 5.74% 6.44% 6.54% A 01-Jun-23

CMLS Financial P-0.90% P-0.60% - - 6.04% 5.29% 5.39% 4.94% 4.89% 5.79% - - - 5.49% P-0.25% 6.04% P+0.35% A RH 31-May-23

Duca Credit Union 6.70% 6.70% 6.24% 6.29% 6.29% 6.09% 4.89% 6.29% 6.39% 6.49% 6.70% No 28-Apr-23

Equitable Bank B-Side - P+0.65% - 6.59% 6.34% - - - - - - - - - - - - B No 29-May-23

Equitable Bank Evolution P-0.90% P-0.55% - 6.49% 5.74% 5.34% 5.24% 4.94% 5.14% - - - - - - - A No 30-May-23

Haven Tree Bank N/A N/A B No

Home Trust Accelerator P-0.95% P-0.55% - 5.99% 5.99% 5.34% 5.64% 4.94% 5.19% - - - - - - - - A No 19-May-23

Home Trust Classic Loan (B Side) N/A N/A N/A B No 16-Sep-22

IC Savings - - 6.49% 6.59% 6.64% - - - - - - - - - - - B No 10-Jan-23
ICICI Bank P-0.75% P+0.65% - 6.54% 6.19% 5.89% 5.84% 4.84% 4.94% 4.94% - - - - 5.89% P+0.75% A RH 24-May-23

Manulife Bank P-0.50% P-0.30% - 6.09% 5.84% 5.29% 5.69% 4.89% 5.19% 5.59% - 6.25% 6.65% - - - - A No 24-May-23

Meridian Credit Union - 5.89% 5.09% 5.09% 5.99% 4.79% 4.79% 5.64% - 5.64% - A RH 01-Jun-23

Optimum Mortgage - P+1.50 - 6.79% 6.44% 6.29% . . . - - - - - - - B No 06-Mar-23

Peoples Bank - - 6.24% 6.44% 6.64% 6.64% 6.64% 6.64% - - - - - - - B No 23-Feb-23

Radius Financial P-1.0% P-0.55% - 6.14% 6.14% 6.14% 6.14% 4.89% 5.19% 5.69% - - - 5.69% P-0.20% - - A No 25-May-23

Scotiabank P-0.05% P+0.05% 7.25% 6.59% 6.24% 5.89% 5.89% 5.74% 5.94% 5.94% - 6.29% 6.58% - - 6.29% P+0.40% A No 27-Apr-23

Bridgewater Bank 6.54% 6.34% 6.34% B No 13-Feb-23

VIP Lender Hub Additional Limits and Charges

Refer to the VIP Lender Hub Rate Sheet on the Broker Portal for Lenders List, Rates and Rate Promos. 1 - Scotiabank Mortgages are subject to a max Commission Split of 80/20 and a underwriting fee of $300 charged to the agent on Funding.

VIP Lender Hub Charges $300 per deal on Funding. All charges are to the agent. Commission Split will be capped at 80/20. Pegasus DOES NOT work with MCAP or RMG either through Corporate or HUB.

Notes
Promotions can end anytime. Always check with lender BDM for updates.
Rates are subject to Change. Preapprovals listed with RH refer to Rate Holds Only.
Lenders may have conditions applied to each term and rate. Rate Holds vary from 30-120 days.
Refer to lender rate Sheets directly for Finders Fee details, special rate offerings, quick close specials & specific conditions.
Agents are responsible to verify Finders Fee directly with the lender. Brokerage is not liable for verificatoin of Finders Fees on any files.
Special Terms and Promotions

Lender

TD Canada Trust

B2B

CMLS Financial

Duca Credit Union

Equitable Bank B-Side

Equitable Bank Evolution

Haven Tree Bank

Home Trust Accelerator

Home Trust Classic Loan (B Side)

IC Savings

ICICI Bank

Manulife Bank

Meridian Credit Union

Optimum Mortgage

Peoples Bank

Radius Financial

Scotiabank

Bridgewater Bank
 Term

5 YR Fixed HR / 5 Year Fixed Insurable

5 years standard upto 80% Insurable

1 years rate with FICO 680+

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 1 to 4 years rate are applicable for Insured mortgage

Closed Mortgage 1-yr / 2-yr

Purchase 90 days rate hold
Refinance - fund on or before Sep 30, 2020

5 Years HR and Conventional variable rate under Manulife

Bank Select program

All rates here Qualifying at Stress Test

Rates are applicable for 680+

 Promotio

Rate

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-

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ons

Lender Notes

All the conventional rates are insurable (max 25 years amort), except the 5 years fixed
conventional 30 years rate. Please see the Rate chart for details

TD Prime is 6.85%. Please see rate sheet if amortization is >25yrs and also rental
properties.

Please see the Rate Chart for details

Please see the Rate Chart for details

DUCA Prime rate - 6.70%. Please see the Rate Chart for details

Please see the Rate Chart for details

High ratio deals only (LTV>80%) 3 year Quick Close Promo: 5.24% (45-day rate hold)
 Lender will confirm the rate after submission

Please see Home Trust rate sheet for more details

Lender will confirm the rate after submission

Please see the Rate Chart for details

ICICI Bank Canada Prime Rate: 6.70%; See rate sheet for details.

2/3/4/5 years fixed rate are uninsurable. For insurable, primary borrower Credit score of
700. Please refer to the rate chart for details on rates.
Please see Meridian Rate Sheet for Refinance/BFS deals.
*MCU is the only lender who still offers Contract rate to qualify your clients. Please check
their rate sheet.*
Rates mentioned are Triple A but they are known as an Alternate lender. Please check
Rate Sheet for B rates.

Please see the Rate Chart for details

Please see the Rate Chart for details about Promo rate

Refer to Additional Note - 1 for Split restriction & Fees

Please see Scotia Bank Rate sheet for more details

Alternative Lender