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 - 2 units
  • New construction or existing properties
  • Owner-occupied
  • Properties must be 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 30 years
  • 35-year amortization available for 5-year terms only

Loan amounts

  • $50,000 up to $400,000
  • Maximum equity withdrawal is assessed on a case by case basis

Documentation requirements for Equity 50

  • Income stated on the application
  • Most recent NOA to confirm no tax arrears

Documentation requirements for Equity 65

  • Standard proof of income required
  • Most recent NOA to confirm no tax arrears

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%
Equity 65:
Min credit score/Max LTV: ≥ 660 – up to 65%
Max GDS/TDS2: NA/50% Or NA/65% – net worth (excluding equity in property) must be 1.5x loan amount with confirmation required

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.