With our Classic Program of alternative mortgage solutions, we have all the options for your conforming and non-conforming B clients.

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1 Classic Program BRITISH COLUMBIA With our Classic Program of alternative mortgage solutions, we have all the options for your conforming and non-conforming B clients. Classic Mortgage Maximum 80% LTV Purchase Conforming Mortgages Maximum 75% LTV Refinance Conforming Mortgages Maximum 65% LTV Non-Conforming Mortgages 85% Solution Maximum 85% LTV 1st mortgage with Classic Mortgage + 2nd mortgage with Private Lender Maximum 80% LTV Home Trust 1st mortgage 1st mortgage and 2nd mortgages have same competitive rate The One Charge Classic Mortgage + Equityline Visa * Registered as one charge Combined LTV maximum 75% Equityline Visa* component must not exceed 65% LTV New to Canada New immigrants are treated no differently than our other Home Trust clients. Applicants must meet the Classic Program lending criteria. All non-conforming mortgages maximum 65% LTV MTG-CLPRO-BC

2 Classic One Charge Program BRITISH COLUMBIA Our One Charge Program is an alternative mortgage solution with the additional benefits of an Equityline Visa, for all your conforming and non-conforming B clients. All One Charges have a combined LTV of maximum 75% Completed with one transaction Both 1st mortgage and the Equityline Visa* are registered as one charge when an Equityline Visa is approved behind a newly originated Home Trust 1st mortgage No fee for the Equityline Visa No additional appraisal fee No additional legal fee Equityline Visa finder s fee from $100 to $250 in addition to the compensation for the Classic Mortgage 1st mortgage and Equityline Visa portions both subject to Home Trust policies and guidelines Equityline Visa* component must not exceed 65% LTV CLASSIC MORTGAGE EQUITYLINE VISA MTG-CLONE-BC

3 Classic Ace Program BRITISH COLUMBIA Do you have clients who are self-employed with no personal tax arrears? Get the best rates for your Classic clients with our Classic Ace Program! Term Rate Fee Finder s Fee 1 year 3.84% 0.5% fee 50 bps 3 year 4.50% No fee 75 bps 5 year 4.79% No fee 100 bps Plus, clients are automatically approved for a Home Trust Visa * card! Criteria Beacon of 660+ Salaried or business-for-self individuals Purchases up to 80% LTV Refinances up to 75% LTV Maximum loan amount $750,000 MLS, new construction, purchases or refinances Residential urban and suburban properties High rise condos add 0.5% Must be owner-occupied or owner-occupied and rental Home Trust policies and guidelines apply Must provide evidence of no personal tax arrears by way of NOA or a signed affidavit (Home Trust to provide form) Minimum 2 year business registration required MTG-CLACE-BC

4 Classic Ace 6 Month Convertible Program Whether used to ease a client into alternative lending or offer a short term solution, at this rate, with these terms, you can t miss with this product. Term Rate Fee Finder s Fee 6 months 3.49% 50 bps 50 bps * Refinance +20bps premium Criteria Beacon of 620+ Salaried or business-for-self individuals Maximum 80% LTV Maximum loan amount $750,000 MLS, new construction, purchases Residential urban and suburban properties High rise condos add 0.25% Must be owner-occupied or owner-occupied and rental Minimum 2 year business registration required Home Trust policies and guidelines apply Details Convertible at anytime 1 to 5 year terms without penalty 90 day rate guarantee Open on payment of 3 month s interest This material is intended for broker use only, and is not meant for consumer distribution. Rates subject to change at anytime. MTG-6ACE

5 The 85% Solution Does your client need 85% LTV on a purchase or a refinance? We have the solution! 1ST MORTGAGE Home Trust Classic Mortgage % LTV + Same great rate Combined 85% LTV 2ND MORTGAGE Private Lender % LTV 1st mortgage and 2nd mortgage have the same competitive interest rate! on its own merits subject to Home Trust s policies and guidelines. MTG-B20BASICS-ON