Net Worth

The Net Worth Program is offered to clients who have moderate income and meet the minimum requirement of proven liquid assets and satisfactory credit scores.



  • 6 months closed
  • 6 months convertible
  • 1 – 5, 7 and 10-year closed
  • 3 & 5 – year VRM

Eligible properties

  • Owner occupied and rental properties 1 - 4 units
  • Second homes 1 -2 units, vacation homes 1 unit
  • The property must comply with the neighbourhood and be well maintained (to be assessed on a case by case basis)
  • No deferred maintenance

Payment frequencies

  • Monthly, weekly, bi-weekly, accelerated weekly, accelerated bi-weekly

Maximum amortization1

  • 30 years
  • For rental properties: 25 years

Lending areas and loan amounts


  • Standard income validation applies2,3
  • Borrower must have a minimum of $150,000 in liquid assets
  • Full property appraisal required
  • Purchase or refinance are eligible
  • Only Canadian residents, claiming taxes in Canada, are eligible
  • No gifted down payment
  • No power of attorney
  • No previous bankruptcy, consumer proposal, no payments arrears or other major derogatory credit
  • No income tax arrears

Min. credit score:1

  • ≥ 650

Max. GDS/TDS and LTV:1

Owner occupied:

  • TDS ≤ 60% max. LTV 80%
  • TDS > 60% max. LTV 65%

Second homes/vacation homes

  • TDS ≤ 60% max. LTV 65%

Rental properties

  • TDS ≤ 60% max. LTV 75%

Eligible proven liquid assets

Borrowers must provide proof of the assets. The investment statement must be dated, in the borrower’s name and should identify the investment company, account number and balances.

  • Stocks Publicly traded on the TSX, S&P 500, Dow Jones Industrial Average, and Nasdaq Composite
  • Canadian savings bonds
  • GICs
  • Chequing and savings accounts (business accounts are not admissible)
  • RESPs (capital only)
  • TFSAs
  • Retirement accounts (discounted by 30% for withholding tax)
  • Equity in a property being sold (firm P&S agreement is required)
  • Mutual funds
  • ESOP (assuming the assets are publicly traded)

Note: Investments in American currency acceptable if held within Canada
The exchange rate posted by the Bank of Canada will be used for qualification purposes.

Debt service flexibilities, LTVs offered and amortization options are based on the assessment of the strength of the application. Satisfying the minimum credit score requirement alone does not automatically entitle the borrower to maximum LTV and amortization options or debt service flexibilities. Some parameters, such as LTV, may differ for AB, SK and NL.

As determined by the terms and conditions of the Net Worth Program.

B2B Bank reserves the right to request additional information or documentation at its sole discretion for the approval of the loan.

All mortgages are funded by, registered in the name of, administered and serviced by B2B Bank. Debt service flexibilities are based on the overall assessment of the strength of the overall application. B2B Bank is a wholly-owned subsidiary of Laurentian Bank of Canada. B2B Bank acts solely in the capacity of lender and/or account administrator, and does not provide investment advice. Dealers, advisors and brokers, not B2B Bank, are responsible for determining the suitability of products and services for their clients and for informing them of any related risks. Any loan approval by B2B Bank should not be construed as an endorsement of any investment choice, program, or strategy. All loans are subject to credit approval and borrowed monies are due and payable regardless of the performance of the investments. B2B Bank products and services are only available through financial intermediaries. Satisfying the minimum credit score requirement alone does not automatically entitle the borrower to debt service flexibilities. All mortgages, loans and lines of credit are subject to credit approval. Any illustration or example provided are for illustrative purposes only.