Equity 50 and Equity 65

This solution is ideal for your clients who are salaried, or self-employed, and seeking to purchase or refinance a marketable property where there is a large equity or down payment position. These clients prefer to keep proof of income paperwork to a minimum or may have elevated debt servicing ratios.



  • Fixed terms of 1 - 5 years
  • Variable terms of 3 and 5 years

Eligible properties

  • 1 - 4 units
  • Owner-occupied, primary residence
  • Properties must be in good condition, in an urban location and move-in ready

Payment frequencies

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

Pre-payment privileges

  • Increase payments by up to 15% once per calendar year1
  • Pre-pay up to 15% of original principal once per calendar year

Maximum amortization

  • Up to 25 years

Loan amounts

  • $50,000 up to $500,000
  • Maximum equity withdrawal is assessed on a case by case basis

Documentation requirements3

  • Standard proof of income required
  • Most recent NOA to confirm no tax arrears
  • Down payment must be from own sources, gifts not permitted
  • Documentation to support probable income

complementary solutions



No previous bankruptcies
Must have positive net worth
No income tax arrears
Equity 50:
Min credit score/Max LTV:
≥ 660 - up to 50%
Max GDS:NA Max TDS2: 65% with proven income provided there is also sufficient probable income* documented to bring TDS to 44% or lower
Equity 65:
Min credit score/Max LTV:
≥ 660 - up to 65%
Max TDS2: 60% with proven income provided there is also sufficient probably income* documented to bring TDS to 44% or lower

TDS Value

Less than 50% Greater than 50%
Must have positive net worth Net worth must be 1.5x the loan amount excluding property


*Probable Income - Income that is not proven through traditional methods but is reasonably believed to be received.


value-added features, options and Alternatives

Look Back Rate Guarantee

1This pre-payment privilege is non-cumulative and is available after the first anniversary of the mortgage.

2Debt service flexibilities are based on the overall assessment of the strength of the overall application. Satisfying the minimum credit score requirement alone does not automatically entitle the borrower to debt service flexibilities. All mortgages are funded by, registered in the name of, administered and serviced by B2B Bank. B2B BANK and BANKING THAT WORKS FOR BROKERS are registered trademarks of B2B Bank.

3B2B Bank reserves the right to request additional information or documentation at its sole discretion for the approval of the loan.