MYTerms.ca

03/04/2026

Feels like the market is starting to wake up again.

Over the past couple of weeks we’ve seen a noticeable pickup in jumbo mortgage opportunities crossing our desk — many of which fall just outside traditional lending boxes and are lining up nicely with a few of our investors’ active buckets.

Here’s a quick snapshot of where we’re seeing strong appetite:

• 1st mortgages $1M+ at ~5.99% for stronger borrowers (up to 50% LTV)
• High-net-worth private capital $500K – $4M (up to 65% LTV)
• Jumbo 2nds up to $2.5M behind institutional firsts (~7.99%)

If you’re working on a file that doesn’t quite fit bank guidelines but still has a strong borrower and property, feel free to reach out. We’re always happy to take a quick look and provide feedback.

Looking forward to collaborating on a few deals this spring.

11/26/2025

Equityline® Visa — A Smarter Way to Access Your Home Equity

Thinking about using your home equity for renovations, investments, or debt consolidation? The Equityline® Visa gives you the flexibility of a credit card with the borrowing power of a HELOC — all secured by your home equity.

Key Benefits

• $20,000 to $1,000,000 in revolving credit
• Low interest starting around 7.49%¹
• Use anywhere Visa is accepted
• Compatible with Apple Pay, Google Pay & Samsung Pay
• Self-employed friendly — we can qualify you using more of your gross income, unlike banks that rely on net taxable income

Equityline® Visa vs. Traditional HELOC

Equityline® Visa
✔ Functions like a secured Visa card
✔ Ideal for purchases, travel, renovations & debt consolidation
✔ Instant access at point of sale
✔ Higher approval potential for self-employed borrowers
✔ Pay interest only on what you use

Traditional HELOC
• Access funds through online banking or cheques
• Better suited for larger, planned withdrawals
• Banks rely on net taxable income, often lowering approval amounts
• Variable interest tied to prime

Bottom Line

The Equityline® Visa gives you HELOC-level borrowing power with everyday convenience — perfect for homeowners who want flexible access to their equity or who are self-employed and need more accommodating qualification options.

A traditional HELOC is still great for large, structured projects… but far less flexible.

Want to compare your options or see how much you qualify for?
Call us at (416) MYterms

MYterms.ca Financial LTD.
Brokerage Lic. #12186

11/11/2025

On this Remembrance Day, let’s pause to reflect on the bravery and selflessness of those who served our country. We’re thankful for the peace and opportunities their sacrifices have made possible.

Lest we forget.

10/14/2025

As we’re moving into the fall season, grateful for all these opportunities and incredible people along the way. Wishing you and your family a healthy and blessed Thanksgiving.

07/01/2025

Happy Canada Day!
We have so much to be thankful for and it’s worth pausing to appreciate the freedom we enjoy, the peace we live in, and the values that have shaped us as Canadians.

06/18/2025

7.99% - 2nd Mortgage Promo:

Unlock up to $2.5 million in equity without refinancing your first mortgage!

We’re now offering private 2nd mortgages with flexible terms:
* 1st mortgage must be institutional and under $2.5M
* Up to 60% LTV
* Construction financing available

Let’s structure something that works on your terms.
Call: (416) MYterms (698-3767)
Email: [email protected].

03/30/2025

The Canadian Mortgage Brokers Association (CMBA) Ontario’s 2025 conference delivered powerful insights into our industry’s future. Top economists and lending experts painted a nuanced picture of Canada’s economic landscape, highlighting challenges and opportunities ahead. Douglas Porter, Chief Economist at BMO Financial Group, emphasized the critical role mortgage brokers play in guiding clients through uncertain economic times, with market share for first-time homebuyers now exceeding 50%.

Industry leaders from TD, CMLS, and River Run underscored the importance of financial education, flexible mortgage products, and personalized advice. With ongoing interest rate fluctuations and potential economic headwinds, brokers are more crucial than ever in helping Canadians navigate complex financial decisions. The message was clear: adaptability, knowledge, and client-focused service will be key to thriving in the evolving mortgage market of 2025.
If you are looking for mortgage financing or require an assessment, give us a call at (416)915-5500 and one of our licensed mortgage brokers will assist you in finding the best solution for your needs.

03/26/2025

7.99% Second Mortgage Promo – Call us today at (416) 915-5500 ext. 221 to discuss your inquiry. One of our licensed mortgage brokers will be happy to assess your needs and provide expert advice.

Unlocking Capital for Commercial, Construction & Land Development

02/05/2025

Grateful to have attended the RE/MAX Hallmark The Connect Conference today. The event was filled with energy, insight, and meaningful discussions. A huge thanks to and his team for organizing such a seamless and impactful event!

With the market facing uncertainty due to tariff concerns, economic shifts, and evolving government policies, expert advice and strategic guidance are more important today than ever. Staying informed and making the right financial moves is key in navigating these times.

If you’re looking for guidance on commercial or construction financing, let’s connect! 📩 [email protected] | 📞 (416)MYTERMS

02/03/2025

Canada is one of the greatest countries in the world, and its citizens are some of the most honest, hardworking, resilient, and caring people. It is time to be more Canadian, buy more Canadian, create and consume more Canadian, and raise our flag high. Let’s support our local businesses, invest in our communities, and celebrate the values that make this country so special whether these tariffs are just a temporary ploy or a generational shift.

01/31/2025

Another Rate Drop! -

I hope you and your family are staying warm this season. As you may have heard, the Bank of Canada has lowered the prime rate again, creating a great opportunity to reassess your mortgage. Now could be the perfect time to: