Fisgard Asset Management | Mortgage Products for Ontario

First Mortgages

Up to 65% LTV

Pricing Option	Rate*	Lender Fee
Simplicity	9.24%	0
Flexibility 1	8.24%	1%
Flexibility 2	8.74%	0.50%

Up to 70% LTV

Pricing Option	Rate*	Lender Fee
Simplicity	9.74%	0%
Flexibility 1	8.74%	1%
Flexibility 2	9.24%	0.50%

Up to 75% LTV

Pricing Option	Rate*	Lender Fee
Simplicity	9.99%	0%
Flexibility 1	8.99%	1%
Flexibility 2	9.49%	0.50%

As at Sept, 2022. Subject to change without notice.

DISCLAIMER:
*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
- 70% Max LTV – Condos (75% by exception)
- Max value at 75% is $1,250,000
- High-end scale applies
- No minimum beacon
- No 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, rate premium .25%
- 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, out of country borrowers, two year terms
- BROKER FREE – Tell us what your fee is! We’ll include it in our commitment, disclose it appropriately and pay you on funding

Second Mortgages

Up to 65% LTV

Pricing Option	Rate*	Lender Fee
Simplicity	11.49%	0%
Flexibility 1	10.49%	1%
Flexibility 2	10.99%	0.50%

Up to 70% LTV

Pricing Option	Rate*	Lender Fee
Simplicity	11.99%	0%
Flexibility 1	10.99%	1%
Flexibility 2	11.49%	0.50%

Up to 75% LTV

Pricing Option	Rate*	Lender Fee
Simplicity	12.99%	0
Flexibility 1	11.99%	1%
Flexibility 2	12.49%	0.50%

Need to Know

Second Mortgages
- 75% Max LTV – SFD/Duplexes/Townhomes
- 70% Max LTV – Condos (75% by exception)
- 1st mortgage not to exceed $750,000 (exceptions available)
- Minimum mortgage amount $50,000
- No minimum beacon
- 2nd mortgage behind the balance, not the registered amount of a collateral charge!
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, rate premium .25%
- 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, out of country borrowers, two year terms
- BROKER FREE – Tell us what your fee is! We’ll include it in our commitment, disclose it appropriately and pay you on funding

The Business Development Team

Hali Noble

Senior VP, Residential Mortgage Investments & Broker Relations

250-480-8883

Hali Noble

Senior VP, Residential Mortgage Investments & Broker Relations

250-480-8883
Email

Hali is a founding Director and SVP Residential Mortgage Investments & Broker Relations. She is a real estate and mortgage professional having spent her entire career as a realtor and mortgage lender. She has been involved in numerous trade associations, having been the Chair of Mortgage Professionals Canada and President of CMBA-BC (Canadian Mortgage Brokers Association – BC) and currently serving as a Director and member of the executive committee for CAMLA (Canadian Alternative Mortgage Lenders Association).

She is a highly-respected and sought-after speaker, panelist and moderator at industry events nationally and internationally, specializing in non-bank/private lending.

Hali has received several industry awards for her dedication to the mortgage industry and business practices. Most notable of these recognitions are the induction to the Canadian Mortgage Hall of Fame, being presented with the CMBA-BC Pioneer Award for Lifetime Achievement, awarded the Business Development Manager of the Year by Mortgage Professionals Canada and named one of WXN Canada’s Top 100 Most Powerful Women in the category of Trailblazers. She is proud of her Metis heritage and is a member of the British Columbia Metis Nation.

Reaza Ali

Broker Relations Manager – Eastern Canada

416-712-9680

Reaza Ali

Broker Relations Manager – Eastern Canada

416-712-9680
Email

Reaza has an extensive background in mortgage underwriting, brokering, investment and insurance sales along with a wealth of business development.

He is currently Vice President of CMBA-Ontario and an active member of Mortgage Professionals Canada, the Northern Ontario Lending Partners and the Eastern Ontario Lenders Association. Reaza provides education and support through speaking engagements and has helped develop educational material for the benefit of all mortgage industry participants.
Recognized as an industry leader, Reaza has received numerous industry awards. Most notable of these was being honoured as BDM of the Year at both the Canadian Mortgage Awards and the Mortgage Awards of Excellence. He was also part of the team when Fisgard received the Mortgage Awards of Excellence Lender of the Year (MIC/Private Lender) in 2019, 2020 and 2021 and is regularly highlighted in CMP’s magazines Industry Hotlist and Top BDMs.

In his personal time Reaza enjoys sports, travel, exploring, fast cars, watching his boys grow and learn and having quiet moments in which to think and reflect.

Amy Chen

Broker Relations Manager – Western Canada

Amy Chen

Broker Relations Manager – Western Canada

Amy began her financial services career in 1994, starting with RBC Royal Bank, RBC Dominion Securities, Scotiabank and CIBC, holding various positions from Senior Account Manager, Private Banking Associate, Investment Advisor Associate and Mortgage Specialist. In 2015 she switched gears and joined the mortgage industry as an underwriting manager for a leading brokerage.

Capitalizing on her extensive industry knowledge, outgoing personality, and natural business development skills she became a Business Development Manager with various lenders before finding her home at Fisgard. She is grateful for the variety of positions she has held which provided her with a wealth of knowledge and experience that she now shares with Fisgard and our broker partners.

She is a dedicated member of CMBA-BC, AMBA, MPC and WIMI and is eager to educate mortgage professionals about the benefits of working with non-bank alternative lenders such as Fisgard.

In her spare time, you will find her on the water or a golf course. She is involved in her local community as a softball coach and is a member of the PAC at her daughter Charlie’s school.