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[null,"The Best Fixed Rate mortgage tool since the fax machine!!\nNot updated past May 31 2018",null,"© printing or copying this page or any portion of this page, in any way, without prior written permission of the author is prohibited ",null,null,null,null,null,null,null,null,null,{"$f":"REPT(\"Armand FIXED Rate by MORTGAGE MENTOR     : : :    \",9)","v":"Armand FIXED Rate by MORTGAGE MENTOR     : : :    Armand FIXED Rate by MORTGAGE MENTOR     : : :    Armand FIXED Rate by MORTGAGE MENTOR     : : :    Armand FIXED Rate by MORTGAGE MENTOR     : : :    Armand FIXED Rate by MORTGAGE MENTOR     : : :    Armand FIXED Rate by MORTGAGE MENTOR     : : :    Armand FIXED Rate by MORTGAGE MENTOR     : : :    Armand FIXED Rate by MORTGAGE MENTOR     : : :    Armand FIXED Rate by MORTGAGE MENTOR     : : :    "}]
[null,null,null,null,"PRODUCT SELECTION - Fixed Rate",null,null,null,null,null,"BFS & NIQ","Debt Consolidation",null,null,null,null,"DEBT SERVICING",null,null,null,null,null,null,"RATE",null,null,null,null,"CLIENT OPTIONS",null,null,null,"GENERAL"]
[null,null,null,null,"Lending Area","LTV (%) Maximum","Beacon Minimum","Bankrupt","Terms Available","Loan Amount",null,"Cash Back","Flex-Down Payment","Equity ","Purpose","Property Type","Insurable",null,"Un-Insurable",null,"Amortization",null,null,"Qualifying Rate",null,"Rate","Rate Hold \nperiod","Rate \nBuy-Down","Payment Options","Annual Prepayment (%)","Payment Increase Option (%)","Pre-Payment \nPenalty","Appraisal","Title Insurance","Appl. Fee","New to Canada","Portable","Assume","Switch-In",null,"Legal","Refinance","Trailer Fees","Volume Bonus"]
[null,null,null,null,null,null,null,null,null,"Minimum","Maximum","Available",null,"Minimum",null,null,"GDS %","TDS %","GDS %","TDS %","Insurable","Un-Insurable","Minimum","Insurable","Un-Insurable",null,null,null,null,null,null,null,null,null,null,null,null,null,"Info","Lender Pay"]
[null,"Column Finder - click here.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1st 5 yrs"]
["C.G.","Canada Guaranty   ( standard )",null,null,"National",95,"per Lender","2 years","per Lender","per Lender","$925,000 \nplus ins."," -","Yes","5% \n5%+10%","Purch","O/O to 4 Units, Second Home, \nSmall Rental, Vacation Type B","35/39","42/44","n/a","n/a",25,"n/a","per lender","higher of Deal Rate \nor 5yr Benchmark","n/a","per Lender","per Lender","per Lender","per Lender","per Lender","per Lender","per Lender","case by case","per Lender","No","Yes","Yes","Yes","No"," -","Std.","No"," -"," -"]
["C.G.","Canada Guaranty   ( Lifestyle Advantage )",null,null,"National",95,"per Lender","2 years","per Lender","per Lender","$925,000 \nplus ins."," -","Yes","5% \n5%+10%","Purch","O/O 1 Unit Second Home, or \nImmediate Family occupied",39,44,"n/a","n/a",25,"n/a","per lender","higher of Deal Rate \nor 5yr Benchmark","n/a","per Lender","per Lender","per Lender","per Lender","per Lender","per Lender","per Lender","case by case","per Lender","No","Yes","Yes","Yes","No"," -","Std.","No"," -"," -"]
["C.G.","Canada Guaranty \n                   ( Purchase Advantage Plus )",null,null,"National",95,"per Lender","2 years","per Lender","per Lender","$925,000 \nplus ins."," -"," -","5% \n5%+10%","Purch Plus Improv. \nSee comment for details","O/O to 4 Units, Second Home","35/39","42/44","n/a","n/a",25,"n/a","per lender","higher of Deal Rate \nor 5yr Benchmark","n/a","per Lender","per Lender","per Lender","per Lender","per Lender","per Lender","per Lender","when adding $40k+ or 20%+","per Lender","No","Yes","Yes","Yes","No"," -","Std.","No"," -"," -"]
["C.G.","Canada Guaranty \n                      ( Maple Leaf Advantage )",null,null,"National",95,"per Lender","n/a","per Lender","per Lender","$925,000 \nplus ins."," -"," -","5% \n5%+10%","Purch","O/O to 4 Units, Second Home, \nSmall Rental, Vacation Type B","35/39","42/44","n/a","n/a",25,"n/a","per lender","higher of Deal Rate \nor 5yr Benchmark","n/a","per Lender","per Lender","per Lender","per Lender","per Lender","per Lender","per Lender","case by case","per Lender","No","Yes","Yes","Yes","No"," -","Std.","No"," -"," -"]
[null,"CMHC                     ( standard )",null,null,"National",95,610,"Case-by-case","Fixed, VRM, ARM, Capped","per Lender","$925,000 \nplus ins."," -","Yes","Own Resource, Gift, or Borrowed","Purch","O/O to 4 Units, \n2-4 Unit Small Rental","35/39","42/44","n/a","n/a",25,"n/a","per lender","higher of Deal Rate \nor 5yr Benchmark","n/a","per Lender","per Lender","per Lender","per Lender","per Lender","per Lender","per Lender","case by case","per Lender","No","Yes","Yes","Yes","Yes"," -","Std.","No"," -"," -"]
[null,"CMHC                  ( New To Credit )",null,null,"National",95,600,"Case-by-case","Fixed, VRM, ARM, Capped","per Lender","$925,000 \nplus ins."," -","Yes","Own Resource, Gift, or Borrowed","Purch","O/O to 4 Units","35/39","42/44","n/a","n/a",25,"n/a","per lender","higher of Deal Rate \nor 5yr Benchmark","n/a","per Lender","per Lender","per Lender","per Lender","per Lender","per Lender","per Lender","case by case","per Lender","No","Yes","Yes","Yes","Yes"," -","Std.","No"," -"," -"]
[null,"CMHC                  ( Improvement )",null,null,"National",95,610,"Case-by-case","Fixed, VRM, ARM, Capped","per Lender","$925,000 \nplus ins."," -","Yes","Own Resource, Gift, or Borrowed","Purch Plus Improv., ","O/O to 4 Units","35/39","42/44","n/a","n/a",25,"n/a","per lender","higher of Deal Rate \nor 5yr Benchmark","n/a","per Lender","per Lender","per Lender","per Lender","per Lender","per Lender","per Lender","case by case","per Lender","No"," -","Yes","Yes","No"," -","Std.","No"," -"," -"]
["GNW","Genworth               ( standard )",null,null,"National",95,600,"2 years","Fixed, Capped","per Lender","$925,000 \nplus ins."," -","Yes","Own Resource or Gift","Purch","O/O to 4 Units, Second Home, \nSmall Rental, Vacation Type B","35/39","42/44","n/a","n/a",25,"n/a","per lender","higher of Deal Rate \nor 5yr Benchmark","n/a","per Lender","per Lender","per Lender","per Lender","per Lender","per Lender","per Lender","case by case","per Lender","No"," -","Yes","Yes","Yes"," -","Std.","No"," -"," -"]
["GNW","Genworth ( Purchase Plus Improvement )",null,null,"National",95,600,"2 years","Fixed, VRM, ARM, Capped","per Lender","$925,000 \nplus ins."," -","Yes","Own Resource, Gift, Borrowed","Purch Plus Improv. \nSee comment for details","O/O to 4 Units, Second Home, \nSmall Rental, Vacation Type B","35/39","42/44","n/a","n/a",25,"n/a","per lender","higher of Deal Rate \nor 5yr Benchmark","n/a","per Lender","per Lender","per Lender","per Lender","per Lender","per Lender","per Lender","case by case","per Lender","No","Yes","Yes","Yes","No"," -","Std.","No"," -"," -"]
["GNW","Genworth              ( Family Plan )",null,null,"National",95,600,"No","Fixed, VRM, ARM, Capped","per Lender","$925,000 \nplus ins.","-","No","Own Resource","Purch, Purch Plus Improv.","O/O max 2 Units, \nExisting & New Construction","35/39","42/44","n/a","n/a",25,"n/a","per lender","higher of Deal Rate \nor 5yr Benchmark","n/a","per Lender","per Lender","per Lender","per Lender","per Lender","per Lender","per Lender","case by case","per Lender","No"," -","Yes","Yes","No"," -","Std.","No"," -"," -"]
["GNW","Genworth            ( New To Canada )",null,null,"National",95,"n/a","No","Fixed, VRM, ARM, Capped","per Lender","$925,000 \nplus ins."," -","No","Own Resource","Purch, \nPurch Plus Improv.","O/O max 2 Units","35/39","42/44","n/a","n/a",25,"n/a","per lender","higher of Deal Rate \nor 5yr Benchmark","n/a","per Lender","per Lender","per Lender","per Lender","per Lender","per Lender","per Lender","case by case","per Lender","No","Yes","Yes","Yes","No"," -","Std.","No"," -"," -"]
["GNW","Genworth    ( Vacation / Secondary Home )\n                                   TYPE A   1st & 2nd",null,null,"National",95,600,"No","Fixed, VRM, ARM, Capped","per Lender","$750,000 \nplus ins."," -","Yes","Own Resource, Gift","Purch, \nPurch Plus Improv.","O/O max 1 Unit",39,44,"n/a","n/a",25,"n/a","per lender","higher of Deal Rate \nor 5yr Benchmark","n/a","per Lender","per Lender","per Lender","per Lender","per Lender","per Lender","per Lender","case by case","per Lender","No"," -","Yes","Yes","No"," -","Std.","No"," -"," -"]
["GNW","Genworth    ( Vacation / Secondary Home )\n                                   TYPE B   1st",null,{"$f":"VLOOKUP(A19,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":{"$error":"#N/A"}},"National",90,680,"No","Fixed, VRM, ARM, Capped","per Lender","$350,000\nplus ins."," -","No","Own Resource","Purch, \nPurch Plus Improv.","O/O max 1 Unit",39,44,"n/a","n/a",25,"n/a","per lender","higher of Deal Rate \nor 5yr Benchmark","n/a","per Lender","per Lender","per Lender","per Lender","per Lender","per Lender","per Lender","case by case","per Lender","No"," -","Yes","Yes","No"," -","Std.","No"," -"," -"]
["B2B Bank","B2B Bank  Insurable",null,null,"National",95,600,"2 years","1,2,3,4,5,7,10\n6 mo.",50000,"$925,000 \nplus ins.","1%, 2%, 3%, 4%, 5%","Yes","Own Resource, Gift, or Borrowed","Purch, Purch Plus Improv.","O/O to 2 Units, \nSecond Home, Small Rental",39,44," -"," -",25,35,"Term","higher of Deal Rate \nor 5yr Benchmark"," -","Best",120,"Yes","w,bw,m",15,15,"greater 3mo\n or IRD","Lender List\n or service","Always","No","No","Yes","On Qual","Yes"," -","Std.","FCT Platinum"," -","Yes"]
["B2B Bank","B2B Bank  Un-Insurable",null,{"$f":"VLOOKUP(A21,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"National",80,600,"2 years","1,2,3,4,5,7,10\n6 mo.",50000,"$1,250,000 $2,000,000"," -"," -","Own Resource, Gift, or Borrowed","Purch, ReFi, ETO,\n Purch & ReFi Plus Improv.","O/O to 2 Units, \nSecond Home, Small Rental"," -"," -","35/39","42/44",25,35,"Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Best \nReFi +.05%","120 / 60","Yes","w,bw,m",15,15,"greater 3mo\n or IRD","Lender List\n or service","Always","No","No","Yes","On Qual","Yes"," -","Std.","FCT Platinum"," -","Yes"]
["B2B Bank","B2B Bank    ( Credit Rebuild )",null,{"$f":"VLOOKUP(A22,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"National",65,"see comment","<2 years","1,2,3,4,5,7,10\n6 mo.",50000,750000," -"," -","Own Resource","Purch, ReFi","O/O to 2 Units"," -"," -"," -","40/42/45"," -",35,"Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Posted Plus","120 / 60","Yes","w,bw,m",15,15,"greater 3mo\n or IRD","Lender List\n or service","Always","No","No","Yes","On Qual","Yes"," -","Std.","FCT Platinum"," -","Yes"]
["B2B Bank","B2B Bank    ( Equity 50 )",null,{"$f":"VLOOKUP(A23,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"National",50,660,"No","1,2,3,4,5,7,10\n6 mo.",50000,400000," -"," -","Own Resource","Purch, ReFi, ETO","O/O to 2 Units"," -"," -"," -"," -"," -","30 / 35","Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Best","120 / 60","Yes","w,bw,m",15,15,"greater 3mo\n or IRD","Lender List\n or service","Always","No","No","Yes","On Qual","Yes"," -","Std.","FCT Platinum"," -","Yes"]
["B2B Bank","B2B Bank    ( Equity 65 )",null,{"$f":"VLOOKUP(A24,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"National",65,660,"No","1,2,3,4,5,7,10\n6 mo.",50000,400000," -"," -","Own Resource","Purch, ReFi, ETO","O/O to 2 Units"," -"," -"," -","50/65"," -","30 / 35","Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Best","120 / 60","Yes","w,bw,m",15,15,"greater 3mo\n or IRD","Lender List\n or service","Always","No","No","Yes","On Qual","Yes"," -","Std.","FCT Platinum"," -","Yes"]
["B2B Bank","B2B Bank    ( Homeowner's Kit )",null,{"$f":"VLOOKUP(A25,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"National",80,600,"2 years","1,2,3,4,5,7,10\n6 mo.",50000,750000," -","Yes","Own Resource, Gift, or Borrowed","Purch, ReFi, ETO,\n Purch & ReFi Plus Improv.","O/O to 4 Units (Insured), to 2 Units (Conventional), Second Home"," -"," -",32,40," -",35,"Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Best","120 / 60","Yes","w,bw,m",15,15,"greater 3mo\n or IRD","Lender List\n or service","Always","No","No","Yes","On Qual","Yes"," -","Std.","FCT Platinum"," -","Yes"]
["B2B Bank","B2B Bank    ( Switch / Transfer )",null,{"$f":"VLOOKUP(A26,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"National",95,600,"2 years",5,75000,"Balance"," -"," -","n/a","Switch / Transfer","O/O to 2 Units",39,44,"35/39","42/44",25,35,"Term","higher of Deal Rate \nor 5yr Benchmark","higher of 5yr Benchmark or Deal Rate +2.00%","Best",60,"Yes","w,bw,m",15,15,"greater 3mo\n or IRD","if requested by Underwriter","Always","No","No","Yes","On Qual","This is it","from select lenders","FCT Platinum","n/a"," -","Yes"]
["Bridgewater Bank","Bridgewater    ( 80% Gateway Mortgage )",null,{"$f":"VLOOKUP(A27,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"BC AB SK MB ON",80,"550-500","1 year","1,2,3",100000,750000," -"," -","20% Own Resource, Gift, or Borrowed","Purch, ReFi, ETO,\npay CRA & Taxes","O/O max 2 Units, Second Home, Vacation, Small Rental, Mobile"," -"," -",45,50," -","25 / 30",16," -","Deal Rate +2.00%","see comment",90,"no","sm,m",20,20,"3%-yr1, 2%-yr2, 1%-yr3","Always\nSolidifi","Always","-","No","Straight","On Qual","No"," -","Std.","Yes"," -","n/a"]
["Bridgewater Bank","Bridgewater    ( 65% Gateway Mortgage )",null,{"$f":"VLOOKUP(A28,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"BC AB SK MB ON",65,550,"1 year","1,2,3",100000,750000," -"," -","35% Own Resource, Gift, or Borrowed","Purch, ReFi, ETO,\npay CRA & Taxes","O/O max 2 Units, Second Home, Vacation, Small Rental, Mobile"," -"," -",45,50," -","25 / 30",16," -","Deal Rate +2.00%","see comment",90,"no","sm,m",20,20,"3%-yr1, 2%-yr2, 1%-yr3","Always\nSolidifi","Always","-","No","Straight","On Qual","No"," -","Std.","Yes"," -","n/a"]
["Bridgewater Bank","Bridgewater    \n             ( OPEN 80% Gateway Mortgage )",null,{"$f":"VLOOKUP(A29,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"BC AB SK MB ON",80,"550-500","1 year","1 Open",100000,750000," -"," -","35% Own Resource, Gift, or Borrowed","Purch, ReFi, ETO,\npay CRA & Taxes","O/O max 2 Units, Second Home, Vacation, Small Rental, Mobile"," -"," -",45,50," -","25 / 30",16," -","Deal Rate +2.00%","see comment",90,"no","sm,m","Open",20,"n/a","Always\nSolidifi","Always","-","No","n/a","On Qual","No"," -","Std.","Yes"," -","n/a"]
["Canadiana Financial","Canadiana  ( Insurable only )",null,{"$f":"VLOOKUP(A30,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces exc. PQ",95,620,"No","1,2,3,4,5",75000,"$925,000 \nplus ins."," -"," -","Own Resource or Gift","Purch, Plus Improv.","O/O to 4 Units, Second Home","35/39","42/44"," -"," -",25," -","18 / 15","higher of Deal Rate \nor 5yr Benchmark"," -","Best","90 / 45","Yes","w,bw,sm,m",20,"20\nMatch & Miss","greater 3mo\n or IRD","any NAS/Solidifi approved","Req'd\n FCT","No","see Marian","Yes","On Qual","No Fee"," -","Std.","Yes","Avail","n/a"]
["Canadiana Financial","Canadiana   ( Spend LESS Insurable )",null,{"$f":"VLOOKUP(A31,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces exc. PQ",95,650,"No",5,75000,"$925,000 \nplus ins."," -"," -","Own Resource or Gift","Purch, Plus Improv.","O/O to 4 Units","35/39","42/44"," -"," -",25," -","18 / 15","higher of Deal Rate \nor 5yr Benchmark"," -","Special","90 / 45","Yes","w,bw,sm,m",20,"20\nMatch & Miss","greater 3mo\n IRD, or 2.75%","any NAS/Solidifi approved","Req'd\n FCT","No","Yes","Yes","On Qual","No Fee"," -","Std.","Yes","Avail","n/a"]
["Canadiana Financial","Canadiana   ( Blue Box Specials )\n                       general guidelines",null,{"$f":"VLOOKUP(A32,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces exc. PQ",95,680,"No","3,5",75000,"$925,000 \nplus ins."," -"," -","Own Resource \nGift by exception","Purch\n(Switch by exception)","O/O to 2 Units","35/39","42/44"," -"," -",25," -","18 / 15","higher of Deal Rate \nor 5yr Benchmark"," -","Special","90 / 45","Yes","w,bw,sm,m",20,"20\nMatch & Miss","greater 3mo\n IRD, or 2.75%","Foreclosures & 75.1% - 80%","Req'd\n FCT","No","No","Yes","On Qual","No Fee"," -","Std.","Yes","Avail","n/a"]
["Canadiana Financial","Canadiana   ( Insured Switch / Transfer )",null,{"$f":"VLOOKUP(A33,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces exc. PQ",95,620,"No","3,4,5, ARMs SpendLESS",100000,999999," -"," -","n/a","Switch / Transfer","O/O to 4 Units, Second Home","35/39","42/44"," -"," -","remaining","remaining",15,"most at\nDeal Rate"," -","Best","60 / 45","Yes","w,bw,sm,m",20,"20\nMatch & Miss","greater 3mo\n or IRD","only if required by insurer","Req'd\n FCT","No","see Marian","Yes","On Qual","This is it","Legal","Std.","n/a","Avail","n/a"]
["CMLS","CMLS  ( Insurable )",null,{"$f":"VLOOKUP(A34,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"BC AB SK MB ON",95,600,"2 years","1,2,3,4,5,7,10",50000,"$925,000 $750,000"," -","Yes","Own Resource, Gift, or Borrowed","Purch, Purch Plus Improv.","O/O to 4 Units, Second Home,\n Small Rental 2-4 units","35/39","42/44"," -"," -",25," -",10,"higher of Deal Rate \nor 5yr Benchmark"," -","Best",120,"Yes","w,bw,sm,m",20,20,"3mo or IRD \nsee comment","Auto-Valuation","Always","No","see Marian","Yes","On Qual","Yes"," -","Std.","Low Cost FCT","Yes"," -"]
["CMLS","CMLS CONNECT    ( Insurable )",null,{"$f":"VLOOKUP(A35,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"BC AB SK MB ON",95,"680-600","2 years","5",50000,"$925,000 $750,000"," -","Yes","Own Resource, Gift, or Borrowed","Purch, Purch Plus Improv.","O/O to 4 Units, Second Home","35/39","42/44"," -"," -",25," -",10,"higher of Deal Rate \nor 5yr Benchmark"," -","Best",120,"Yes","w,bw,sm,m",20,20,"3mo or IRD \nsee comment","Auto-Valuation","Always","No","see Marian","Yes","On Qual","No"," -","Std.","Low Cost FCT","Yes"," -"]
["CMLS","CMLS CONNECT    ( Un-Insured )",null,{"$f":"VLOOKUP(A36,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"BC ON",80,"680 / 720","2 years","5",50000,1000000," -"," -","Own Resource, Gift","Purch, ReFi, ETO","O/O to 4 Units, Second Home,\nRental 1-4* units"," -"," -","35/39","42/44"," -","25 / 30",10," -","Deal Rate +2.00%","Best",120,"Yes","w,bw,sm,m",20,20,"3mo or IRD","Lender List","Always","No","No","Yes","On Qual","Yes"," -","Std.","Low Cost FCT","Yes"," -"]
["CMLS","CMLS  (   Switch / Transfer Insured )\n                includes Collateral Transfers",null,{"$f":"VLOOKUP(A37,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"BC AB SK MB ON",95,600,"2 years","3,4,5,7,10\n 3,5 ARM",75000,"No Max."," -"," -","5% Subject Property","Switch / Transfer","O/O to 4 Units, Second Home,\n Small Rental 2-4 units","35/39","42/44"," -"," -","remaining"," -",10,"Deal Rate\nif previous Insurance"," -","Best",120,"Yes","w,bw,sm,m",20,20,"3mo or IRD \nsee comment","Auto-Valuation","Always","No","No","Yes","On Qual","This is it","FCT exc Disch. & Pen","Low Cost FCT","n/a","Yes"," -"]
["CMLS","CMLS  ( Switch / Transfer Un-Insured )",null,{"$f":"VLOOKUP(A38,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"BC ON",80,"680 / 720","2 years","5, 5 ARM",75000,1000000," -"," -","20% Subject Property","Switch / Transfer","O/O to 4 Units, Second Home,\nRental 1 Unit"," -"," -","35/39","42/44"," -","remaining",10,"Special terms \nsee comment","5yr Benchmark","Best",120,"Yes","w,bw,sm,m",20,20,"3mo or IRD \nsee comment","Lender List","Always","No","No","Yes","On Qual","This is it","FCT exc Disch. & Pen","Low Cost FCT","n/a","Yes"," -"]
["CMLS","CMLS  AVEO   Provable Income 80%",null,{"$f":"VLOOKUP(A39,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"limited - BC AB SK Wpg ON",80,600,"1 year","1,2,3",100000,"$1,000,000 \nor less"," -"," -","20% None Borrowed, Gift OK","Purch, ReFi, ETO \npay: CRA, GST, Derogatory Credit","O/O to 4 Units, Second Home, Vacation, Small Rental"," -"," -","39/44/50","44/44/50"," -","25 / 35",10," -","Deal Rate +2.00%","AVEO","10 / 60","No","w,bw,sm,m",20,20,"3%, 2%, 1%","Solidifi","Always","1-2% \n+ Admin Fee","No","Yes","On Qual","No"," -","Std.","Solicitor",null," -"]
["CMLS","CMLS  AVEO   Stated Income 65%",null,{"$f":"VLOOKUP(A40,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"limited - BC AB SK Wpg ON",65,600,"1 year","1,2,3",100000,"$1,000,000 \nor less"," -"," -","35% None Borrowed, Gift OK","Purch, ReFi, ETO \npay: CRA, GST, Derogatory Credit","O/O to 4 Units, Second Home, Vacation, Small Rental"," -"," -","39/44/50","44/44/50"," -","25 / 35",10," -","Deal Rate +2.00%","AVEO","10 / 60","No","w,bw,sm,m",20,20,"3%, 2%, 1%","Solidifi","Always","1-2% \n+ Admin Fee","No","Yes","On Qual","No"," -","Std.","Solicitor",null," -"]
["Equitable Bank","Equitable Bank\n     ( YES YOU CAN High Ratio - Atlantic)",null,{"$f":"VLOOKUP(A41,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"NB NL NS PEI",85,600,"1 year","1,2",75000,"No Max"," -"," -","15% Savings, Gifted  Borrowed, VTB","Purch, ReFi, ETO","O/O max 4 Units"," -"," -",48,48," -","25 / 30"," -","Deal Rate"," -","Posted +",90,"No","bw,sm,m",20,"n/a","greater 3mo\n or IRD","Lender List","Always",0.01,"see Marian","Yes","On Qual","No"," -","Std.","Yes"," -"," -"]
["Equitable Bank","Equitable Bank \n           ( Conventional product - Atlantic )",null,{"$f":"VLOOKUP(A42,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"NB NL NS PEI",75,0,"1 day","1,2,3,4,5",75000,"No Max"," -"," -","25% Savings, Gifted Borrowed, VTB","Purch, ReFi, ETO","O/O max 4 Units, Small Rental"," -"," -",48,48," -","25 / 30"," -"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Posted +",120,"No","bw,sm,m",20,"n/a","greater 3mo\n or IRD","Lender List","Always","Yes","see Marian","Yes","On Qual","No"," -","Std.","Yes"," -"," -"]
["Equitable Bank","Equitable Bank \n         ( Flexible OPEN product - Ontario )",null,{"$f":"VLOOKUP(A43,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"ON",80,500,"6 mo.","1yr Open",75000,"No Max"," -"," -","25% Savings, Gifted Borrowed, VTB","Purch, ReFi, ETO","O/O max 4 Units, Small Rental"," -"," -",48,48," -","25 / 30"," -"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Posted + 1.85%-2.60%",120,"No","bw,sm,m","Open","n/a","greater 3mo\n or IRD","Lender List","Always","Yes","see Marian","Yes","On Qual","No"," -","Std.","Yes"," -"," -"]
["Equitable Bank","Equitable Bank \n         ( Flexible OPEN product - West )",null,{"$f":"VLOOKUP(A44,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"BC AB SK MB",80,500,"6 mo.","1yr Open",90000,"No Max"," -"," -","25% Savings, Gifted Borrowed, VTB","Purch, ReFi, ETO","O/O max 4 Units, Small Rental"," -"," -",48,48," -","25 / 30"," -"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Posted + 1.85%-2.60%",120,"No","bw,sm,m","Open","n/a","greater 3mo\n or IRD","Lender List","Always","Yes","see Marian","Yes","On Qual","No"," -","Std.","Yes"," -"," -"]
["Equitable Bank","Equitable Bank \n         ( Flexible OPEN product - Atlantic )",null,{"$f":"VLOOKUP(A45,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"NB NL NS PEI",80,500,"6 mo.","1yr Open",75000,"No Max"," -"," -","25% Savings, Gifted Borrowed, VTB","Purch, ReFi, ETO","O/O max 4 Units, Small Rental"," -"," -",48,48," -","25 / 30"," -"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Posted + 1.85%-2.60%",120,"No","bw,sm,m","Open","n/a","greater 3mo\n or IRD","Lender List","Always","Yes","see Marian","Yes","On Qual","No"," -","Std.","Yes"," -"," -"]
["Equitable Bank","Equitable Bank  ~   Total Worth Atlantic )",null,{"$f":"VLOOKUP(A46,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"BC",75,550,"1 year","1,2",75000,"No Max"," -"," -","Own Resource","Purch, ReFi, ETO","O/O to 4 Units"," -"," -",48,48," -","25 / 30",10," -","higher of 5yr Benchmark or Deal Rate +2.00%","Posted + 1.85%-2.45%",120,"No","bw,sm,m",20,"n/a","greater 3mo\n or IRD","always","Always","No","No","Yes","On Qual","No"," -","Std.","Yes"," -"," -"]
["Equitable Bank","Equitable Bank  ~     Net Worth Atlantic )",null,{"$f":"VLOOKUP(A47,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"BC",65,550,"1 year","1,2,3,4,5",75000,"No Max"," -"," -","Own Resource","Purch, ReFi, ETO","O/O to 4 Units"," -"," -",48,48," -","25 / 30",10," -","higher of 5yr Benchmark or Deal Rate +2.00%","Posted + 1.10%-2.00%",120,"No","bw,sm,m",20,"n/a","greater 3mo\n or IRD","always","Always","No","No","Yes","On Qual","No"," -","Std.","Yes"," -"," -"]
["Equitable Bank","Equitable Bank \n     ( YES YOU CAN High Ratio - Ontario )",null,{"$f":"VLOOKUP(A48,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"ON",85,550,"1 year","1,2,3",75000,"No Max"," -"," -","15% Savings, Gifted  Borrowed, VTB","Purch, ReFi, ETO","O/O max 4 Units, Small Rental"," -"," -",48,48," -","25 / 30"," -","higher of 5yr Benchmark or Deal Rate +2.00%"," -","Posted +",120,"No","bw,sm,m",20,"n/a","greater 3mo\n or IRD","Lender List","Always",0.01,"see Marian","Yes","On Qual","No"," -","Std.","Yes"," -"," -"]
["Equitable Bank","Equitable Bank \n            ( Conventional product - Ontario )",null,{"$f":"VLOOKUP(A49,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"ON",80,0,"1 day","1,2,3,4,5\n & 1yr Open",75000,"No Max"," -"," -","20% Savings, Gifted Borrowed, VTB","Purch, ReFi, ETO","O/O max 4 Units, Small Rental"," -"," -",48,48," -","25 / 30"," -"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Posted +",120,"No","bw,sm,m",20,"n/a","greater 3mo\n or IRD","Lender List","Always","Yes","see Marian","Yes","On Qual","No"," -","Std.","Yes"," -"," -"]
["Equitable Bank","Equitable Bank  ~     'A' product West )",null,{"$f":"VLOOKUP(A50,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"BC AB SK MB",95,650,"2 years","1,2,3,4,5 \n5 ARM",90000,"$925,000 \nplus ins."," -"," -","Own Resource, Gift","Purch","O/O to 4 Units, \n2-4 Unit Small Rental",39,44," -"," -",25," -",10,"higher of 5yr Benchmark or Deal Rate +2.00%"," -","Best",120,"No","bw,sm,m",20,"n/a","greater 3mo\n or IRD","if insurer required","Always","No","see Marian","Yes","On Qual","No"," -","Std.","Yes"," -"," -"]
["Equitable Bank","Equitable Bank  ~   Total Worth West )",null,{"$f":"VLOOKUP(A51,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"BC",75,550,"1 year","1,2",90000,"No Max"," -"," -","Own Resource","Purch, ReFi, ETO","O/O to 4 Units"," -"," -",48,48," -","25 / 30",10," -","higher of 5yr Benchmark or Deal Rate +2.00%","Posted + 1.85%-2.45%",120,"No","bw,sm,m",20,"n/a","greater 3mo\n or IRD","always","Always","No","No","Yes","On Qual","No"," -","Std.","Yes"," -"," -"]
["Equitable Bank","Equitable Bank  ~     Net Worth West )",null,{"$f":"VLOOKUP(A52,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"BC",65,550,"1 year","1,2,3,4,5",90000,"No Max"," -"," -","Own Resource","Purch, ReFi, ETO","O/O to 4 Units"," -"," -",48,48," -","25 / 30",10," -","higher of 5yr Benchmark or Deal Rate +2.00%","Posted + 1.10%-2.00%",120,"No","bw,sm,m",20,"n/a","greater 3mo\n or IRD","always","Always","No","No","Yes","On Qual","No"," -","Std.","Yes"," -"," -"]
["Equitable Bank","Equitable Bank  ~ YES YOU CAN\n                 ( High Ratio Un-Insured  West )",null,{"$f":"VLOOKUP(A53,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"BC AB SK MB",85,"<500","1 day","1,2,3",90000,"No Max"," -"," -","15% Savings, Gifted  Borrowed, VTB","Purch, ReFi, ETO","O/O max 4 Units"," -"," -",48,48," -","25 / 30",10," -","higher of 5yr Benchmark or Deal Rate +2.00%","Posted +",90,"No","bw,sm,m",20,"n/a","greater 3mo\n or IRD","Lender List","Always",0.01,"see Marian","Yes","On Qual","No"," -","Std.","Yes"," -"," -"]
["Equitable Bank","Equitable Bank \n         ( Conventional 'B' product - West )",null,{"$f":"VLOOKUP(A54,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"BC AB SK MB",80,0,"1 day","1,2,3,4,5\n & 1yr Open",90000,"No Max"," -"," -","20% Savings, Gifted Borrowed, VTB","Purch, ReFi, ETO","O/O max 4 Units, Small Rental"," -"," -",48,48," -","25 / 30",10," -","higher of 5yr Benchmark or Deal Rate +2.00%","Posted +",90,"No","bw,sm,m",20,"n/a","greater 3mo\n or IRD","Lender List","Always","Yes","see Marian","Yes","On Qual","No"," -","Std.","Yes"," -"," -"]
["Equitable Bank","Equitable Bank  ( PATH Home Plan )\n                                    - Singe Advance",null,{"$f":"VLOOKUP(A55,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"BC AB ON",40,"considered","Case-by-case","6 mo. 1,2,3,5",25000,400000,"up to 40%","Special","60% equity in home","Purchase, Refinance, ETO, \nCash Flow, Gifting","O/O max 4 Units,\n (Not on leased land)","Spl","Spl","Spl","Spl"," -"," -","n/a"," -","n/a","5.64%+",90,"No","Optional","10 \nor more","10 \nor more","Timing dependent","Lender List","Always",995,"No","No","No","No"," -","Std.","Yes"," -"," -"]
["Equitable Bank","Equitable Bank   ( PATH Home Plan )\n                                    - Recurring Advances",null,{"$f":"VLOOKUP(A56,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"BC AB ON",40,"considered","Case-by-case","6 mo. 1,2,3,5",25000,400000,"up to 40%","Special","60% equity in home","Purchase, Refinance, ETO, \nCash Flow, Gifting","O/O max 4 Units,\n (Not on leased land)","Spl","Spl","Spl","Spl"," -"," -","n/a"," -","n/a","5.64%+",90,"No","Optional","10 \nor more","10 \nor more","Timing dependent","Lender List","Always",995,"No","No","No","No"," -","Std.","Yes"," -"," -"]
["First National Financial","First National    ( Insurable )",null,{"$f":"VLOOKUP(A57,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"National",95,600,"2 years","6 mo. 1,2,3,4,5,6,7,10",50000,"$925,000 \nplus ins."," -","Gift Borrowed","5% Own Resource\n or Gift","Purch, Purch Plus Improv., Switch","O/O to 4 Units, Second Home\n (some lease) Small Rental","35/39","42/44"," -"," -",25," -",10,"higher of Deal Rate \nor 5yr Benchmark"," -","Based on LTV",120,"Yes","w,bw,sm,m",15,"15%\n+ Double up","greater 3mo\n or IRD to Best","Lender List,\n $150 GVS","Always","No","see Marian","Yes","On Qual","Yes"," -","Std.","No"," -","Yes"]
["First National Financial","First National    ( Un-Insurable )",null,{"$f":"VLOOKUP(A58,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"National",80,600,"2 years","6 mo. 1,2,3,4,5,6,7,10",50000,"No Max"," -"," -","5% Own Resource\n or Gift","Purch, ReFi, ETO, Switch","O/O to 4 Units, Second Home\n (some lease) Small Rental"," -"," -","35/39","42/44"," -",30,10," -","higher of 5yr Benchmark or Deal Rate +2.00%","Based on LTV",120,"Yes","w,bw,sm,m",15,"15%\n+ Double up","greater 3mo\n or IRD to Best","Lender List,\n $150 GVS","Always","No","see Marian","Yes","On Qual","Yes"," -","Std.","Yes"," -","Yes"]
["First National Financial","First National  \n                     ( Switch / Transfer Insurable )",null,{"$f":"VLOOKUP(A59,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"National",95,600,"2 years","3,4,5,6,7,10 \nVRM",75000,"Balance +some exp. "," -"," -","n/a","Switch / Transfer","O/O to 4 Units, Second Home, \nRentals 2-4 units,  (some lease)","35/39","42/44"," -"," -","remaining"," -",10,"higher of Deal Rate \nor 5yr Benchmark"," -","Based on LTV","120 / 90","Yes","w,bw,sm,m",15,"15%\n+ Double up","greater 3mo\n or IRD to Best","F.N pays if Req'd.","F.N pays if  Req'd.","No","see Marian","Yes","On Qual","This is it","FCT exc Disch. & Pen","Lender","n/a"," -","Yes"]
["First National Financial","First National  \n                ( Switch / Transfer Un-Insurable )",null,{"$f":"VLOOKUP(A60,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"National",80,600,"2 years","3,4,5,6,7,10 \nVRM",75000,"Balance +some exp. "," -"," -","n/a","Switch / Transfer","O/O to 4 Units, Second Home, \nSmall Rentals, (some lease)"," -"," -","35/39","42/44"," -",30,10," -","higher of 5yr Benchmark or Deal Rate +2.00%","Based on LTV","120 / 90","Yes","w,bw,sm,m",15,"15%\n+ Double up","greater 3mo\n or IRD to Best","F.N pays if Req'd.","F.N pays if  Req'd.","No","see Marian","Yes","On Qual","This is it","FCT exc Disch. & Pen","Lender","n/a"," -","Yes"]
["First National Financial","First National  \n(Collateral Switch  aka Enhanced Transfer )",null,{"$f":"VLOOKUP(A61,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"National",95,600,"2 years","5 & 5 VRM",75000,"Balance"," -"," -","n/a","Switch / Transfer","O/O to 4 Units, Second Home, \nIns'd Small Rental","35/39","42/44"," -"," -","remaining","remaining","remaining","higher of Deal Rate \nor 5yr Benchmark"," -","Based on LTV","120 / 90","Yes","w,bw,sm,m",15,"15%\n+ Double up","greater 3mo\n or IRD to Best","Not Required","Always","No","see Marian","Yes","On Qual","This is it","Appraisal if Req'd","FCT","n/a"," -","Yes"]
["First National Financial","First National   \n             ( EXCALIBUR Bruised Credit 80 )",null,{"$f":"VLOOKUP(A62,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"BC AB SK MB ON",80,500,"6 months","1,2 yr",50000,"$1,000,000\n$800,000"," -"," -","20% Own Resource,\n+ Gifted","Purch, ReFi, ETO","O/O, max 4 units"," -"," -",45,50," -",30,10," -","higher of Deal Rate or \n5yr Benchmark","EXCALIBUR rate","120 / 90","Yes","w,bw,sm,m",15,"15%\n+ Double up","greater 3mo\n or IRD to Best","Yes","Always",null,"No","Yes","On Qual","No"," -","Std.","Yes"," -","Yes"]
["First National Financial","First National   \n             ( EXCALIBUR Bruised Credit 65 )",null,{"$f":"VLOOKUP(A63,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"BC AB SK MB ON",65,500,"6 months","1,2 yr",50000,650000," -"," -","20% Own Resource,\n+ Gifted","Purch, ReFi, ETO","O/O, max 4 units"," -"," -",45,50," -",30,10," -","higher of Deal Rate or \n5yr Benchmark","EXCALIBUR rate","120 / 90","Yes","w,bw,sm,m",15,"15%\n+ Double up","greater 3mo\n or IRD to Best","Yes","Always",null,"No","Yes","On Qual","No"," -","Std.","Yes"," -","Yes"]
["First National Financial","First National    ( Rate Option Plus Insurable )",null,{"$f":"VLOOKUP(A64,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"National",95,600,"2 years","5",50000,"$925,000 \nplus ins."," -","Gift Borrowed","5% Own Resource\n or Gift","Purch, Purch Plus Improv., Switch","O/O to 4 Units, Second Home","35/39","42/44"," -"," -",25," -",10,"higher of Deal Rate \nor 5yr Benchmark"," -","Option Plus rate",120,"Yes","w,bw,sm,m",15,"15%\n+ Double up","greater of 3mo,\nIRD, or 2.75%","Lender List,\n $150 GVS","Always","No","see Marian","Yes","No","Yes"," -","Std.","No"," -","Yes"]
["First National Financial","First National    ( Option 90 )",null,{"$f":"VLOOKUP(A65,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"National",95,600,"2 years",5,50000,"$925,000 \nplus ins."," -"," -","5% Own Resource\n or Gift","Purch, Purch Plus Improv., Switch","O/O to 4 Units, Second Home\n (some lease) Small Rental","35/39","42/44"," -"," -",25," -",10,"higher of Deal Rate \nor 5yr Benchmark"," -","Based on LTV",90,"Yes","w,bw,sm,m",15,"15%\n+ Double up","greater 3mo\n or IRD to Best","Lender List,\n $150 GVS","Always","No","see Marian","Yes","On Qual","Yes"," -","FCT","No"," -","Yes"]
["CHIP","Home Equity Bank  ( CHIP )",null,{"$f":"VLOOKUP(A66,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":{"$error":"#N/A"}},"Provinces",55,"considered","Case-by-case","6 mo. 1,3,5",25000,1250000,"up to 55%","Special","45% equity in home","Purchase, Refinance, ETO, \nCash Flow, Gifting","O/O, Second Home\n (Not on leased land)","Spl","Spl","Spl","Spl"," -"," -","n/a"," -","n/a","5.64% to 6.24%",60,"No","Optional",10,"n/a","5%, 4%, 3%","Lender List \nor NAS","Always Stewart","No","Yes","Yes","No","No"," -","Special Packages","Yes"," -"," -"]
["CHIP","Home Equity Bank  ( Income Advantage )",null,{"$f":"VLOOKUP(A67,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":{"$error":"#N/A"}},"Provinces",55,630,"No","1,3,5",20000,1250000,"Yes","Special","60% equity in home","Purchase, Refinance, ETO, \nCash Flow, Gifting","O/O, Second Home\n (Not on leased land)","Spl","Spl","Spl","Spl"," -"," -","n/a"," -"," -","5.64% to 6.24%",60,"No","Monthly or Quarterly",10,"n/a","5%, 4%, 3%","Lender List \nor NAS","Always Stewart","No","Yes","Yes","No","No"," -","Special Packages","Yes"," -"," -"]
["Home Trust","Home Trust  ( Accelerator ) \n                                           'A' product",null,{"$f":"VLOOKUP(A68,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces",95,640,"2 years","1,2,3,4,5\n 1-Charge, VRM",50000,"$925,000 \nplus ins."," -"," -","5% Own Resource\n or Gift","Purch","O/O to 4 Units, Second Home,\n Small Rental",39,44," -"," -",25," -",15,"higher of 5yr Benchmark or Deal Rate +2.00%"," -","Best",120,"Yes","bw,sm,m",20,20,"greater 3mo\n or IRD to posted","Lender List","Always\n+ E.Quake","No","see Marian","Yes $500","On Qual","Yes","FCT","Std.","Yes"," -"," -"]
["Home Trust","Home Trust  ( Accelerator )\n                                ( Switch / Transfer )",null,{"$f":"VLOOKUP(A69,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces exc. PQ","N/A",640,"2 years","3,4,5 & VRM",50000,750000," -"," -","Positive Property Equity","Switch / Transfer","O/O to 4 Units, Second Home,\n Small Rental",39,44,"35/39","42/44",25," -",15,"higher of 5yr Benchmark or Deal Rate +2.00%","higher of 5yr Benchmark or Deal Rate +2.00%","Accelerator",120,"Yes","bw,sm,m",20,20,"greater 3mo\n or IRD to posted","Lender List","Always\n+ E.Quake","No","see Marian","Yes $500","On Qual","This is it","FCT","No Cost","n/a"," -"," -"]
["Home Trust","Home Trust  ( Classic ACE Plus ) \n                 (also see Niquie)   'B' product",null,{"$f":"VLOOKUP(A70,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces",80,700,"1 day","1,2",50000,2000000," -"," -","10% -15% Not\n Gifted or Borrowed","Purch, Refi, ETO","O/O max 4 Units, Small Rental\n (max 3 Ontario, New Brunswick)"," -"," -"," -",48," -",30,15," -","Deal Rate +2.00%","Best plus","90 / 60","No","bw,sm,m",20,"n/a","greater 3mo\n or IRD to posted","Lender List","Always\n+ E.Quake","Yes","No","Yes \n120 day","On Qual","No"," -","HT may choose","Yes"," -"," -"]
["Home Trust","Home Trust  ( Classic ACE ) \n                 (also see Niquie)   'B' product",null,{"$f":"VLOOKUP(A71,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces",80,680,"1 day","1,2",50000,2000000," -"," -","10% -15% Not\n Gifted or Borrowed","Purch, Refi, ETO","O/O max 4 Units, Small Rental\n (max 3 Ontario, New Brunswick)"," -"," -"," -",48," -",30,15," -","Deal Rate +2.00%","Best plus","90 / 60","No","w,bw,m",20,"n/a","greater 3mo\n or IRD to posted","Lender List","Always\n+ E.Quake","Yes","No","Yes \n120 day","On Qual","No"," -","HT may choose","Yes"," -"," -"]
["Home Trust","Home Trust  ( Classic ) \n                 (also see Niquie)   'B' product",null,{"$f":"VLOOKUP(A72,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces",80,600,"1 day","1,2",50000,2000000," -"," -","10% -15% Not\n Gifted or Borrowed","Purch, Refi, ETO","O/O max 4 Units, Small Rental\n (max 3 Ontario, New Brunswick)"," -"," -"," -",48," -",30,15," -","Deal Rate +2.00%","Best plus","90 / 60","No","w,bw,m",20,"n/a","greater 3mo\n or IRD to posted","Lender List","Always\n+ E.Quake","Yes","No","Yes \n120 day","On Qual","No"," -","HT may choose","Yes"," -"," -"]
["Home Trust","Home Trust  ( Classic One Charge ) \n                 (also see Niquie)   'B' product",null,{"$f":"VLOOKUP(A73,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces",80,600,"1 day","1,2\n with ELV",50000,2000000," -"," -","10% -15% Not\n Gifted or Borrowed","Purch, Refi, ETO","O/O max 4 Units, Small Rental\n (max 3 Ontario, New Brunswick)"," -"," -"," -","48/No"," -",30,15," -","Deal Rate +2.00%","Best plus","90 / 60","No","w,bw,m",20,"n/a","greater 3mo\n or IRD to posted","Lender List","Always\n+ E.Quake","Yes","No","Yes \n120 day","On Qual","No"," -","HT may choose","Yes"," -"," -"]
["Home Trust","Home Trust ( Classic 85% Bundle ) \n                 (also see Niquie)   'B' product",null,{"$f":"VLOOKUP(A74,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces exc. SK",85,600,"1 day",1,50000,"No Max"," -"," -","10% -15% Not\n Gifted or Borrowed","Purch, Refi, ETO","O/O max 4 Units, Small Rental\n (max 3 Ontario, New Brunswick)"," -"," -"," -","48/No"," -",30,15," -","higher of 5yr Benchmark or Deal Rate +2.00%","near Posted",90,"No","bw,sm,m",20,"n/a","greater 3mo\n or IRD to posted","Lender List","Always\n+ E.Quake",0.01,"No","No","On Qual","No"," -","HT may choose","Yes"," -"," -"]
["Home Trust","Home Trust ( Classic 90% Solution ) \n                 (also see Niquie)   'B' product",null,{"$f":"VLOOKUP(A75,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"BC AB ON",90,620,"1 day",1,50000,"No Max"," -"," -","10% Not\n Gifted or Borrowed","Purch","O/O max 4 Units, Small Rental\n (max 3 Ontario, New Brunswick)"," -"," -"," -","48/No"," -",30,15," -","higher of 5yr Benchmark or Deal Rate +2.00%","near Posted",90,"No","bw,sm,m",20,"n/a","greater 3mo\n or IRD to posted","Lender List","Always\n+ E.Quake",2.5000000000000001E-2,"No","No","On Qual","No"," -","HT may choose","Yes"," -"," -"]
["ICICI Bank","ICICI Bank  ~  ( Insurable )",null,{"$f":"VLOOKUP(A76,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"BC AB SK MB ON",95,600,"not on Bureau","1,2,3,4,5",50000,"$925,000 \nplus ins."," -",null,"Own Resource or Gift","Purch, Purch Plus Improv.","O/O to 4 Units,\n Second Home 2 Units","35/39","42/44"," -"," -",25," -",5,"higher of 5yr Benchmark or Deal Rate +2.00%"," -","Based on LTV","120 / 90","Yes","w,bw,sm,m",20,20,"greater 3mo\n or IRD","Only if req'd by insurer","ICICI pays","No","Yes","Yes","On Qual","Yes"," -","Std.","Yes"," -"," -"]
["ICICI Bank","ICICI Bank   ~  ( Un-Insurable )",null,{"$f":"VLOOKUP(A77,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"BC AB SK MB ON",80,610,"not on Bureau","1,2,3,4,5",50000,1500000," -","No","Own Resource or Gift","Purch, ReFi, ETO","O/O to 4 Units, Second Home 2 Units, Small Rental 1-4 Units"," -"," -","32/35","35/40/42"," -",30,5," -","higher of 5yr Benchmark or Deal Rate +2.00%","Based on Beacon","120 / 90","Yes","w,bw,sm,m",20,20,"greater 3mo\n or IRD","Always","ICICI pays","No","Yes","Yes","On Qual","Yes"," -","Std.","Yes"," -"," -"]
["ICICI Bank","ICICI Bank  ( Switch / Transfer )",null,{"$f":"VLOOKUP(A78,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"BC AB SK MB ON","N/A",600,"not on Bureau","5\n 3,5 VRM",50000,1000000," -"," -","Positive Property Equity","Switch / Transfer\n can add to $5,000","O/O to 4 Units,\n Second Home 2 Units",39,44,39,44,"remaining","remaining",5,"higher of 5yr Benchmark or Deal Rate +2.00%","higher of 5yr Benchmark or Deal Rate +2.00%","read comment",90,"Yes","w,bw,sm,m",20,20,"greater 3mo\n or IRD","Only if req'd by insurer","ICICI pays","No","No","Yes","On Qual","This is it","No Fee Closing","FNF FCT","n/a"," -"," -"]
["Lendwise","Lendwise  (Standard - Insurable )",null,{"$f":"VLOOKUP(A79,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces",95,620,"No","1,2,3,4,5",75000,"$925,000 \nplus ins."," -","Yes","Own Resource, Gift, Flex Down","Purch, Purch + Improv. Switch","O/O to 4 Units, Second Home, Mobile","34/35/39","42/44"," -"," -",25," -","18 / 15","higher of Deal Rate \nor 5yr Benchmark"," -","Based on LTV","120 / 60","20 bp max","w,bw,sm,m",20,20,"greater 3mo\n or IRD","Special Cases","Always","No","Yes","Yes","On Qual","Yes"," -","Std.","No"," -"," -"]
["Lendwise","Lendwise  (Standard - Un-Insured )",null,{"$f":"VLOOKUP(A80,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces",80,660,"No","1,2,3,4,5",75000,2000000," -"," -","Own Resource or Gift","Purch, Purch + Improv. Switch, ReFi, ETO","O/O to 4 Units, Second Home,\nRental 2-4 Units, Mobile"," -"," -","32/34","40/42"," -","25 / 30","18 / 15"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Best +0.40%, +0.50%","120 / 60","20 bp max","w,bw,sm,m",20,20,"greater 3mo\n or IRD","all AB Refinances Some other Cases","Always","No","Yes","Yes","On Qual","Yes"," -","Std.","Yes"," -"," -"]
["Lendwise","Lendwise   ( Rate Plus Mortgage Insurable )",null,{"$f":"VLOOKUP(A81,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces",95,620,"No",5,75000,"$925,000 \nplus ins.","-","Yes","Own Resource, Gift","Purch, Switch / Transfer","O/O to 4 Units, Second Home, Small Rental 2-4 Units, Mobile","34/35/39","42/44"," -"," -",25," -",18,"higher of Deal Rate \nor 5yr Benchmark"," -","Based on LTV",90,"10 bp max","w,bw,sm,m",20,20,"greater 3mo\n or 2.75%","Special Cases","Always","No","No","Yes","On Qual","No"," -","Std.","No"," -"," -"]
["Lendwise","Lendwise  ( Switch / Transfer )",null,{"$f":"VLOOKUP(A82,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces","n/a",620,"No","3,4,5, RPM\n5 ARM",100000,"Balance +some exp. "," -"," -","Positive Property Equity","Switch / Transfer\n can add to $500","O/O to 4 Units, Second Home","34/35/39","42/44"," -"," -","Actual remaining"," -","18 / 15","Special terms \nsee comment"," -","Based on LTV",120,"20 bp max","w,bw,sm,m",20,20,"greater 3mo\n or IRD","if req'd by insurer Lendwise pays","Always","No","No","Yes","On Qual","This is it","Appraisal & FCT","FCT","n/a"," -"," -"]
["Lendwise","Lendwise \n           ( Rate Plus Mortgage Un-Insured )",null,{"$f":"VLOOKUP(A83,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces",80,620,"No",5,75000,2000000,"-"," -","Own Resource, Gift","Purch, Refi,\n Switch / Transfer","O/O to 4 Units, Second Home,\nRental 2-4 Units"," -"," -","32/34","40/42"," -",25,18," -","higher of 5yr Benchmark or Deal Rate +2.00%","Very Best",90,"10 bp max","w,bw,sm,m",20,20,"greater 3mo\n or 2.75%","all AB Refinances Some other Cases","Always","No","No","Yes","On Qual","No"," -","Std.","Yes"," -"," -"]
["Lendwise","Lendwise  ( No Cost Refinance )\n                 must fund by December 15 2016",null,{"$f":"VLOOKUP(A84,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces",75,600,"No",5,200000,750000," -"," -",0.25,"ReFi, ETO","O/O to 4 Units, Second Home",39,44,"32/35/39","42/44",25,30,"18 / 15","higher of Deal Rate \nor 5yr Benchmark","higher of 5yr Benchmark or Deal Rate +2.00%","Best","120 / 60","20 bp max","w,bw,sm,m",20,20,"greater 3mo\n or IRD","all AB Refinances Some other Cases","Always","No","Yes","Yes","On Qual","No"," -","Std.","No Cost","Yes"," -"]
["Manulife","Manulife     ( Insurable )",null,{"$f":"VLOOKUP(A85,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces exc. \nAB PQ",95,650,"No",5,"$25,000\n$100,000","$925,000\nplus ins."," -"," -","Own Resource, Gift","Purch, Purch Plus Improv.","O/O to 4 Units","35/39","42/44"," -"," -",25," -","longer of\n 5 or Term","higher of Deal Rate \nor 5yr Benchmark"," -","Best",120,"tbd","w.bw.m",20,25,"greater 3mo\n or IRD","case by case","Always","No","No","Yes","On Qual","No"," -","Std.","No",null," -"]
["Manulife","Manulife     ( Manulife One Un-Insurable )",null,{"$f":"VLOOKUP(A86,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces exc. \nAB PQ",80,650,"No",5,100000,3000000," -"," -","Own Resource, Gift","Purch, ReFi, ETO","O/O to 4 Units"," -"," -","35/39","42/44"," -",25,"longer of\n 5 or Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Best","120 / 90","tbd","m","Open + 20",25,"Open & \n3mo or IRD","case by case","Always","monthly","No","Yes","On Qual","No"," -","Std.","Yes",null," -"]
["Manulife","Manulife   ( Manulife One Switch / Transfer )",null,{"$f":"VLOOKUP(A87,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces exc. \nAB PQ",80,650,"No",5,100000,3000000," -"," -","Positive Property Equity","Purch, ReFi, ETO","O/O to 4 Units, \n2-4 Unit Small Rental"," -"," -","35/39","42/44"," -",25,"longer of\n 5 or Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Best","120 / 90","tbd","m","Open + 20",25,"Open & \n3mo or IRD","case by case","Always","monthly","No","Yes","On Qual","No"," -","Std.","Yes",null," -"]
["MCAP","MCAP   ( Regular Insurable )",null,{"$f":"VLOOKUP(A88,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces exc. \nAB PQ",95,600,"3 years","1,2,3,4,5,7,10",50000,"$925,000 \nplus Ins."," -"," -","Own Resource or Gift","Purch, Purch Plus Improv.","O/O to 4 Units, Second Home 2 Units, Small Rental 2-4 Units",39,44," -"," -",25," -","longer of\n 5 or Term","If >80%, higher BoC or Deal \nIf <80%, higher BoC or Deal+2%"," -","Best",120,"5yr \n20 bp max","w,bw,sm,m",20,20,"greater 3mo\n or IRD plus","Lender List","sometimes","No","No","Yes","On Qual","3yr or longer"," -","Std.","No"," -","Yes"]
["MCAP","MCAP   ( Regular Un-Insurable )",null,{"$f":"VLOOKUP(A89,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces exc. \nAB PQ",80,600,"3 years","1,2,3,4,5,7,10",50000,1375000," -"," -","Own Resource or Gift","Purch, ReFi, ETO","O/O to 4 Units, Second Home 2 Units, Small Rental 1-4 Units"," -"," -",39,44," -",25,"longer of\n 5 or Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Discounted \nBest +30bp",120,"5yr \n20 bp max","w,bw,sm,m",20,20,"greater 3mo\n or IRD plus","Lender List","sometimes","No","No","Yes","On Qual","3yr or longer"," -","Std.","12 day FCT"," -","Yes"]
["MCAP","MCAP   ( 79 Un-Insurable Preferred rate )\n                     Ambassador Plus only",null,{"$f":"VLOOKUP(A90,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces exc. \nNB",79,720,"3 years",5,50000,789999," -"," -","Own Resource or Gift","Purch, Purch + Improv., Replacement","O/O to 4 Units, Second Home 1 Units"," -"," -",39,44," -",25,5," -","higher of 5yr Benchmark or Deal Rate +2.00%","Best +",120,"5yr \n20 bp max","w,bw,sm,m",20,20,"greater 3mo\n or IRD plus","Lender List","sometimes",0.01,"No","Yes","On Qual","No"," -","Std.","No"," -","Yes"]
["MCAP","MCAP   ( Value-Flex Insurable )",null,{"$f":"VLOOKUP(A91,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces exc. \nAB PQ",95,600,"3 years",5,50000,"$925,000 \nPlus Ins."," -"," -","Own Resource or Gift","Purch, Purch Plus Improv.","O/O to 4 Units,\n Second Home 1 Unit",39,44," -"," -",25," -","longer of\n 5 or Term","If >80%, higher BoC or Deal \nIf <80%, higher BoC or Deal+2%"," -","Best",90,"No","w,bw,sm,m",20,20,"greater 3mo\n or IRD","Lender List","sometimes","No","No","Yes","On Qual","3yr or longer"," -","Std.","No"," -","Yes"]
["MCAP","MCAP   ( eclipse 1st )",null,{"$f":"VLOOKUP(A92,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces exc. \nAB PQ",80,500,"1 Day","1,2,3",50000,500000," -"," -","10% None Gifted","Purch, ReFi, ETO*, CRA, Proposals, Property Taxes","O/O to 4 Units"," -"," -",45,50," -","25 / 30",5," -","Deal Rate +2.00%","eclipse","90 / 30",null,"w,bw,sm,m",20,20,"greater 3mo\n or IRD","Yes","sometimes","starting 1/2%","No","Yes","On Qual","No"," -","Std.","Yes"," -","Yes"]
["MCAP","MCAP   ( eclipse 2nd )",null,{"$f":"VLOOKUP(A93,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces exc. \nAB PQ",85,550,"1 Day","1,2,3",50000,200000," -"," -","10% None Gifted","Purch, ReFi, ETO*, CRA, Proposals, Property Taxes","O/O to 2 Units"," -"," -",40,44,30," -",15," -","Deal Rate +2.00%","Starting at 10%","90 / 30",null,"w,bw,sm,m",20,20,null,"Yes","sometimes",750,"No","Yes","On Qual","No"," -","with 1st","Yes"," -","Yes"]
["MCAP","MCAP  ( Switch / Transfer )",null,{"$f":"VLOOKUP(A94,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces exc. \nAB PQ","Deal based",620,"3 years","3,5\n VIP, Value-Flex",50000,950000," -"," -","Positive Property Equity","Switch / Transfer\n can add to $3,000","O/O to 4 Units, Second Home 1 Unit, Small Rentals",39,44,"35/40","42/44","remaining",30,"5 or 15","If >80%, higher BoC or Deal \nIf <80%, higher BoC or Deal+2%","higher of 5yr Benchmark or Deal Rate +2.00%","Best to\nBest +.15%",120,"Yes","w,bw,sm,m",20,20,"greater 3mo\n or IRD","Lender List\n MCAP pays!","sometimes","No","No","Yes","On Qual","This is it","No","FCT","n/a"," -","Yes"]
["MCAP","MCAP  ( Switch / Transfer  Collateral )",null,{"$f":"VLOOKUP(A95,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces exc. \nAB PQ","Deal based",650,"3 years","5,10,  79\n VIP, Value-Flex",50000,950000," -"," -","Positive Property Equity","Switch / Transfer","O/O to 4 Units, Second Home 1 Units",39,44,"35/40","42/44","remaining",30,"5 or 15","If >80%, higher BoC or Deal \nIf <80%, higher BoC or Deal+2%","higher of 5yr Benchmark or Deal Rate +2.00%","Best to\nBest +.15%",120,"Yes","w,bw,sm,m",20,20,"greater 3mo\n or IRD","Lender List\n MCAP pays!","sometimes","No","No","Yes","On Qual","This is it","No","Client paid FCT","n/a"," -","Yes"]
["Merix Financial","Merix  ~ ( Rate Plus Mortgage Insurable )",null,{"$f":"VLOOKUP(A96,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces",95,620,"No",5,75000,"$925,000 \nplus ins.","-","Yes","Own Resource, Gift","Purch, Switch / Transfer","O/O to 4 Units, Second Home, \nSmall Rental 2-4 Units, Mobile","32/34/35/39","40/42/44"," -"," -",25," -",18,"higher of Deal Rate \nor 5yr Benchmark"," -","Very Best",45,"10 bp max","w,bw,sm,m",20,20,"greater 3mo\n or 2.75%","Special Cases","Always","No","No","Yes","On Qual","No"," -","Std.","No"," -"," -"]
["Merix Financial","Merix    ( Insurable )",null,{"$f":"VLOOKUP(A97,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces",95,620,"No","1,2,3,4,5",75000,"$925,000 \nplus ins."," -","Yes","Own Resource, Gift, Flex Down","Purch, Purch + Improv. Switch","O/O to 4 Units, Second Home, Mobile","34/35/39","42/44"," -"," -",25," -","18 / 15","higher of Deal Rate \nor 5yr Benchmark"," -","Based on LTV","120 / 60","20 bp max","w,bw,sm,m",20,20,"greater 3mo\n or IRD","Special Cases","Always","No","Yes","Yes","On Qual","Yes"," -","Std.","No","Yes"," -"]
["Merix Financial","Merix    ( Un-Insured )",null,{"$f":"VLOOKUP(A98,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces",80,660,"No","1,2,3,4,5",75000,2000000," -"," -","Own Resource or Gift","Purch, Purch + Improv. Switch, ReFi, ETO","O/O to 4 Units, Second Home,\nRental 2-4 Units, Mobile"," -"," -","32/34","40/42"," -","25 / 30","18 / 15"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Best +0.40%, +0.50%","120 / 60","20 bp max","w,bw,sm,m",20,20,"greater 3mo\n or IRD","all AB Refinances Some other Cases","Always","No","Yes","Yes","On Qual","Yes"," -","Std.","Yes","Yes"," -"]
["Merix Financial","Merix    ( Switch / Transfer )",null,{"$f":"VLOOKUP(A99,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces","see comment",620,"No","3,4,5, RPM\n 5 ARM",100000,"Balance +$500 "," -"," -","Positive Property Equity","Switch / Transfer\n can add to $500","O/O to 4 Units, Second Home","34/35/39","42/44"," -"," -","Actual remaining"," -","18 / 15","Special terms \nsee comment"," -","Based on LTV",120,"20 bp max","w,bw,sm,m",20,20,"greater 3mo\n or IRD","if req'd by insurer MERIX pays","Always","No","No","Yes","On Qual","This is it","Appraisal & Closing","FCT","n/a","Yes"," -"]
["Merix Financial","Merix  ( NPX 80% Impaired Credit )",null,{"$f":"VLOOKUP(A100,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"limited ON",80,500,"Yes","1,2,3 yr \nOpen on request",300000,1000000," -"," -","10% own resource\n +Gift allowed","Purch, ReFi, ETO\nCRA. Property Taxes","O/O max 4 units, Small Rentals"," -"," -",50,50," -",30,"n/a"," -","Deal Rate","NPX Rate",90,"Yes","w,bw,sm,m",20,20,"greater 3mo\n or IRD","Always \nApproved list","Always","$750 to 1%","Yes","Yes","On Qual","No"," -","Std.","Yes"," -"," -"]
["Merix Financial","Merix  ( NPX 65% Solution )",null,{"$f":"VLOOKUP(A101,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"limited ON",65,"500 / Reject","Yes","1,2,3 Open",300000,1000000," -"," -","35% : 20% own resource\n Gift allowed","Purch, ReFi, ETO\nCRA. Property Taxes","O/O max 4 units, Small Rentals"," -"," -","50 / +","50 / +"," -",25,"Open"," -","Deal Rate","P + 2.50%",90,"Yes","w,bw,sm,m","Open","Open","Open","Always \nApproved list","Always",0.01,"Yes","Yes","On Qual","No"," -","Std.","Yes"," -"," -"]
["Merix Financial","Merix  ( NPX 50% Solution )",null,{"$f":"VLOOKUP(A102,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"limited ON",50,"500 / Reject","Yes","1,2,3 Open",300000,2000000," -"," -","50% : 20% own resource\n Gift allowed","Purch, ReFi, ETO\nCRA. Property Taxes","O/O max 4 units, Small Rentals"," -"," -","50 / +","50 / +"," -",25,"Open"," -","Deal Rate","P + 2.50%",90,"Yes","w,bw,sm,m","Open","Open","Open","Always \nApproved list","Always",0.01,"Yes","Yes","On Qual","No"," -","Std.","Yes"," -"," -"]
["Merix Financial","Merix  ~ ( Rate Plus Mortgage Un-Insured )",null,{"$f":"VLOOKUP(A103,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces",80,620,"No",5,75000,2000000,"-"," -","Own Resource, Gift","Purch, Refi, Switch / Transfer","O/O to 4 Units, Second Home,\nRental 2-4 Units"," -"," -","32/34","40/42"," -",25,18," -","higher of 5yr Benchmark or Deal Rate +2.00%","Very Best",45,"10 bp max","w,bw,sm,m",20,20,"greater 3mo\n or 2.75%","all AB Refinances Some other Cases","Always","No","No","Yes","On Qual","No"," -","Std.","Yes"," -"," -"]
["Merix Financial","Merix  ( No Cost Refinance )",null,{"$f":"VLOOKUP(A104,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces",75,600,"No",5,200000,750000," -"," -",0.25,"ReFi, ETO","O/O to 4 Units, Second Home",39,44,"32/35/39","42/44"," -",30,"18 / 15","higher of Deal Rate \nor 5yr Benchmark","higher of 5yr Benchmark or Deal Rate +2.00%","Best","120 / 60","20 bp max","w,bw,sm,m",20,20,"greater 3mo\n or IRD","all AB Refinances Some other Cases","Always","No","Yes","Yes","On Qual","No"," -","Std.","No Cost","Yes"," -"]
["Optimum Mortgage","Optimum  ( Provable Income Insured )",null,{"$f":"VLOOKUP(A105,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces exc. \nAB PQ",95,620,"2 years","1,2,3,4,5","$75,000\n $100,000","$500,000 to $1,000,000"," -"," -","Own Resource or Gift","Purch, ETO","O/O to 4 Units, Second Home,\n Small Rental",39,44," -"," -",25,25," -","higher of Deal Rate \nor 5yr Benchmark"," -","Market",90,"No","bw,sm,m",20,20,"greater 3mo\n or IRD","broker to provide","Always","No"," -","Yes","On Qual","No"," -","Std.","Yes"," -","Yes"]
["Optimum Mortgage","Optimum  ( Provable Income <80% )",null,{"$f":"VLOOKUP(A106,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces exc. \nAB PQ",80,620,"Yes","1,2,3,4,5","$75,000\n $100,000","$500,000 to $1,000,000"," -"," -","10% Own Resource","Purch, ReFi, ETO","O/O to 4 Units, Second Home,\n Small Rental"," -"," -",32,40," -","25 / 30"," -"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Market",90,"No","w,bw,sm,m",20,20,"greater 3mo\n or IRD","broker to provide","Always","No"," -","Yes","On Qual","No"," -","Std.","Yes"," -","Yes"]
["Optimum Mortgage","Optimum  ( Opti-65 Limited Docs )",null,{"$f":"VLOOKUP(A107,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces exc. \nAB PQ",65,550,"Yes","1 Open 1,2,3","$75,000\n $100,000","$500,000 to $1,000,000"," -"," -","10% Own Resource Gift \"considered'","Purch, ReFi, Debt Payment","O/O to 4 Units"," -"," -","?","?"," -","25 / 30"," -"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Market",90,"No","w,bw,sm,m",20,20,"greater 3mo\n or IRD","broker to provide","Always","No"," -","Yes","On Qual","No"," -","Std.","Yes"," -","Yes"]
["Radius Financial","Radius Financial       ( Insurable )",null,{"$f":"VLOOKUP(A108,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces exc. \nAB PQ",95,620,"No","1,2,3,4,5",50000,"$924,999 \nplus ins."," -","90%-95% only ","Own Resource or Gift","Purch, Purch Plus Improv.","O/O to 4 Units, Second Home","35/39","42/44"," -"," -",25," -",20,"higher of Deal Rate \nor 5yr Benchmark"," -","Best \nBased on LTV",90,"Using Finders","w,bw,sm,m",20,20,"greater 3mo\n or IRD","Solidifi, NAS, \nsee comment","Always","No","see Marian","Yes","On Qual","Yes"," -","Std.","FCT Platinum"," -","no"]
["Radius Financial","Radius Financial    ( Un-Insurable )",null,{"$f":"VLOOKUP(A109,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces exc. \nAB PQ",80,620,"No","1,2,3,4,5",50000,2000000," -"," -","Own Resource or Gift","Purch Plus Improv., ReFi, \nReFi Plus Improv., ETO","O/O to 4 Units, Second Home"," -"," -","35/39","42/44"," -",30,20," -","higher of 5yr Benchmark or Deal Rate +2.00%","Best +0.20%",90,"Using Finders","w,bw,sm,m",20,20,"greater 3mo\n or IRD","Solidifi, NAS, \nsee comment","Always","No","see Marian","Yes","On Qual","Yes"," -","Std.","FCT Platinum"," -","no"]
["Radius Financial","Radius Financial      ( RateWise )",null,{"$f":"VLOOKUP(A110,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces exc. \nAB PQ",95,620,"No",5,50000,"$924,999 \nplus ins."," -"," -","Own Resource or Gift","Purch, Purch Plus Improv.","O/O to 4 Units, Second Home \nNo Agricultural","35/39","42/44"," -"," -","25/30"," -",20,"higher of Deal Rate \nor 5yr Benchmark"," -","Best",90,"Using Finders","w,bw,sm,m",10,10,"greater 3mo\n or IRD","Only if req'd by insurer","Always","No","No","Yes","On Qual","Yes"," -","Std.","FCT Platinum"," -","no"]
["Radius Financial","Radius Financial   ( Switch / Transfer )",null,{"$f":"VLOOKUP(A111,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces exc. \nAB PQ",95,620,"No","3,4,5, & 3,5 ARM\n  RateWise 5's",75000,2000000," -"," -","Positive Property Equity","Switch / Transfer","O/O to 2 Units","35/39","42/44"," -"," -","remaining"," -",20,"higher of Deal Rate \nor 5yr Benchmark"," -","Best",90,"Using Finders","w,bw,sm,m","10, 20","10, 20","greater 3mo\n or IRD","if value Uncertain","Always","No","No","Yes","On Qual","This is it",null,"Platinum Package","n/a"," -","no"]
["RMG Mortgages","RMG Mortgages   ( LRB Insured High Ratio )",null,{"$f":"VLOOKUP(A112,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces exc. PQ",95,630,"3 years",5,75000,"$924,999 \nplus ins.","1%, 2%, 3%","Yes","Own Resource or Gift","Purch, Purch Plus Improv., Switch","O/O to 4 Units",39,44," -"," -",25," -",5,"higher of Deal Rate \nor 5yr Benchmark"," -","Based on LTV",120,"Yes","w,bw,sm,m",20,20,"greater 3.00% \nor IRD","several cases\n rebate available","Always\n FCT","No","No","Yes","No","Yes"," -","Std.","FCT Platinum"," -","Yes"]
["RMG Mortgages","RMG Mortgages   ( LRB Insurable )",null,{"$f":"VLOOKUP(A113,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces exc. PQ",80,"630 / 600","3 years",5,75000,799000,"1%, 2%, 3%"," -","Own Resource or Gift","Purch, Purch Plus Improv., Switch","O/O to 4 Units",39,44," -"," -",25," -",5,"higher of Deal Rate+2%\nor 5yr Benchmark"," -","Based on LTV",120,"Yes","w,bw,sm,m",20,20,"greater 3.00% \nor IRD","several cases\n rebate available","Always\n FCT","No","No","Yes","No","Yes"," -","Std.","FCT Platinum"," -","Yes"]
["RMG Mortgages","RMG Mortgages   ( LRB Un-Insurable )\n                              existing LRB clients only",null,{"$f":"VLOOKUP(A114,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces exc. PQ",80,"630 / 600","3 years",5,75000,799000,"1%, 2%, 3%"," -","Own Resource or Gift","Purch, Purch Plus Improv., Switch","O/O to 4 Units",39,44," -"," -"," -",25,5," -","higher of Deal Rate+2%\nor 5yr Benchmark","Based on LTV",120,"Yes","w,bw,sm,m",20,20,"greater 3.00% \nor IRD","several cases\n rebate available","Always\n FCT","No","No","Yes","No","Yes"," -","Std.","FCT Platinum"," -","Yes"]
["RMG Mortgages","RMG Mortgages     ( Insured High Ratio )",null,{"$f":"VLOOKUP(A115,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces exc. PQ",95,620,"3 years","1,2,3,4,5",50000,"$924,999 \nplus ins.","1%, 1.5%, 2%, 3%","Yes","Own Resource or Gift","Purch, Purch Plus Improv., Switch","O/O to 4 Units, Second Home 1 Unit",39,44," -"," -",25," -",5,"higher of Deal Rate \nor 5yr Benchmark"," -","Best \nBased on LTV",120,"Yes","w,bw,sm,m",20,20,"greater 3mo\n or IRD","several cases\n rebate available","Always\n FCT","No","No","Yes","On Qual","Yes"," -","Std.","Yes"," -","Yes"]
["RMG Mortgages","RMG Mortgages     ( Insurable Conventional)",null,{"$f":"VLOOKUP(A116,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces exc. PQ",80,620,"3 years","1,2,3,4,5",50000,799000,"1%, 1.5%, 2%, 3%","Yes","Own Resource or Gift","Purch, Purch Plus Improv., Switch","O/O to 4 Units, Second Home 1 Unit",39,44," -"," -",25," -",5,"higher of Deal Rate+2%\nor 5yr Benchmark"," -","Best \nBased on LTV",90,"Yes","w,bw,sm,m",20,20,"greater 3mo\n or IRD","several cases\n rebate available","Always\n FCT","No","No","Yes","On Qual","Yes"," -","Std.","Yes"," -","Yes"]
["RMG Mortgages","RMG Mortgages       ( Un-Insurable )",null,{"$f":"VLOOKUP(A117,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces exc. PQ",80,"620 / 650","3 years","1,2,3,4,5",50000,"$950,000 $1,600,000"," -","Yes","Own Resource or Gift","Purch, ReFi, ETO, Switch","O/O to 4 Units, Second Home"," -"," -",39,44,25,30,5," -","higher of 5yr Benchmark or Deal Rate +2.00%","Discounted \nBest +.30%",90,"Yes","w,bw,sm,m",20,20,"greater 3mo\n or IRD","several cases\n rebate available","Always\n FCT","No","No","Yes","On Qual","Yes"," -","Std.","Yes"," -","Yes"]
["RMG Mortgages","RMG Mortgages        ( L.R.B. Un-Insurable )\n                          ( existing LRB clients only )",null,{"$f":"VLOOKUP(A118,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces exc. PQ",80,"630 / 650","3 years",5,75000,"remaining"," -","Yes","Own Resource or Gift","Purch, ReFi, ETO","O/O to 4 Units"," -"," -",39,44," -",30,5," -","higher of 5yr Benchmark or Deal Rate +2.00%","Discounted \nBest +",120,"Yes","w,bw,sm,m",20,20,"IRD or 3%","several cases\n rebate available","Always\n FCT","No","No","Yes","On Qual","Yes"," -","Std.","FCT Platinum"," -","Yes"]
["RMG Mortgages","RMG Mortgages  ( Smart Start  Cash Back )",null,{"$f":"VLOOKUP(A119,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces exc. PQ",95,620,"3 years",5,50000,"$925,000 \nplus ins.",1.4999999999999999E-2,"Yes","Own Resource or Gift","Purch, Purch Plus Improv.","O/O to 4 Units",39,44," -"," -",25," -",5,"5yr Benchmark"," -","Best +0.45% Incl. Cash",120,"Yes","w,bw,sm,m",20,20,"greater 3%\n or IRD","several cases\n rebate available","Always\n FCT","No","No","No","No","No"," -","Std.","n/a"," -","Yes"]
["RMG Mortgages","RMG Mortgages  ( Switch / Transfer )",null,{"$f":"VLOOKUP(A120,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces","Deal based",620,"3 years","5, & VRM",100000,1000000,"1%, 2%, 3%"," -","Positive Property Equity","Switch / Transfer\n can add to $2,500","O/O to 4 Units, Second Home",39,44,39,44,"Lower 25/ remaining","Lower 25/ remaining",5,"If >80%, higher BoC or Deal \nIf <80%, higher BoC or Deal+2%"," -","Best","120 / 90","Yes","w,bw,sm,m",20,20,"greater 3mo\n or IRD","if required by insurer","Always\n FCT","No","No","Yes","On Qual","This is it","FCT & \n$250 Disch.","FCT package","n/a"," -","Yes"]
["RMG Mortgages","RMG Mortgages   (Switch / Transfer )\n                 Collateral & Change of Covenant",null,{"$f":"VLOOKUP(A121,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces exc. PQ","Deal based",650,"rarely","5, 5 VRM, LRB, Quick Close",100000,924999,"1%, 2%, 3%"," -","Positive Property Equity","Switch / Transfer\n can add to $2,000","O/O to 4 Units, Second Home",39,44,39,44,"Lower 25/ remaining","Lower 25/ remaining",5,"If >80%, higher BoC or Deal \nIf <80%, higher BoC or Deal+2%"," -","Best +0.05%","120 / 90","Yes","w,bw,sm,m",20,20,"greater 3mo\n or IRD","if required by insurer","Always\n FCT","No","No","Yes","On Qual","This is it","FCT & \n$250 Disch.","FCT package","n/a"," -","Yes"]
["RMG Mortgages","RMG   ( Total Eclipse 1st )",null,{"$f":"VLOOKUP(A122,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces exc. \nAB PQ",80,600,"1 Day","1,2,3",50000,500000," -"," -","10% None Gifted","Purch, ReFi, ETO*,\n CRA, Proposals, Property Taxes","O/O to 4 Units"," -"," -",45,50," -","25 / 30",5," -","Deal Rate +2.00%","eclipse","90 / 30"," -","w,bw,sm,m",20,20,"greater 3mo\n or IRD","Yes","sometimes","starting 1/2%","No","Yes","On Qual","No"," -","Std.","Yes"," -","Yes"]
["RMG Mortgages","RMG   ( Solar Eclipse 1st )",null,{"$f":"VLOOKUP(A123,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces exc. \nAB PQ",80,550,"1 Day","1,2,3",50000,500000," -"," -","10% None Gifted","Purch, ReFi, ETO*,\n CRA, Proposals, Property Taxes","O/O to 4 Units"," -"," -",45,50," -","25 / 30",5," -","Deal Rate +2.00%","eclipse","90 / 30"," -","w,bw,sm,m",20,20,"greater 3mo\n or IRD","Yes","sometimes","starting 1/2%","No","Yes","On Qual","No"," -","Std.","Yes"," -","Yes"]
["RMG Mortgages","RMG   ( Lunar Eclipse 1st )",null,{"$f":"VLOOKUP(A124,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces exc. \nAB PQ",80,500,"1 Day","1,2,3",50000,500000," -"," -","10% None Gifted","Purch, ReFi, ETO*,\n CRA, Proposals, Property Taxes","O/O to 4 Units"," -"," -",45,50," -","25 / 30",5," -","Deal Rate +2.00%","eclipse","90 / 30"," -","w,bw,sm,m",20,20,"greater 3mo\n or IRD","Yes","sometimes","starting 1/2%","No","Yes","On Qual","No"," -","Std.","Yes"," -","Yes"]
["Scotiabank","Scotiabank",null,{"$f":"VLOOKUP(A125,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"National",95,620,"6 years","1,2,3,4,5,7,10\n6 mo.",25000,"No Max",null," -","Own Resource or Gift","Purch, Purch Plus Improv., ReFi, ETO","O/O to 4 Units, Second Home,\n Small Rental",35,42,35,42,25,30,"Term","higher of Deal Rate \nor 5yr Benchmark","higher of 5yr Benchmark or Deal Rate +2.00%","Best",120,"Yes","w,bw,sm,m",15,"15 & Match","greater 3mo\n or IRD","PAT, NAS \nSolidifi","Always","No","see Marian","Yes","On Qual","Yes"," -","Std.","Yes"," -","Yes"]
["Scotiabank","Scotiabank  ( Long and Short )",null,{"$f":"VLOOKUP(A126,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"National",95,620,"6 years",1,25000,"No Max"," -"," -","Own Resource or Gift","Purch, ReFi, ETO \nSwitch / Transfer","O/O to 4 Units, Small Rental",35,42,35,42,25,30,"Term","higher of Deal Rate \nor 5yr Benchmark","higher of 5yr Benchmark or Deal Rate +2.00%","Best",120,"No","w,bw,sm,m",15,"15 & Match","greater 3mo\n or IRD plus","PAT, NAS \nSolidifi","Always","No","No","Yes","On Qual","Yes"," -","Std.","Yes"," -","Yes"]
["Scotiabank","Scotiabank  \n         StartRight 95% ( Resident <5 years )",null,{"$f":"VLOOKUP(A127,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"National",95,"see comment","no","1,2,3,4,5,7,10\n6 mo.",25000,985000," -"," -","5% plus Gift or Subsidy PLUS Net Worth","Purch, ReFi, Switch","O/O max 4 units",35,42," -"," -",25,30,"Term","higher of Deal Rate \nor 5yr Benchmark","higher of 5yr Benchmark or Deal Rate +2.00%","Best",120,"No","w,bw,sm,m",15,"15 & Match","greater 3mo\n or IRD","PAT, NAS \nSolidifi","Always","No","No","Yes","On Qual","Yes"," -","Std.","No"," -","Yes"]
["Scotiabank","Scotiabank  \n          StartRight 65% ( Resident <5 years )",null,{"$f":"VLOOKUP(A128,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"National",65,"n/a","no","1,2,3,4,5,7,10\n6 mo.",25000,2300000," -"," -","35% and Net Worth","Purch, ReFi, Switch","O/O max 4 units"," -"," -"," -","waived"," -",25,"Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Best",120,"No","w,bw,sm,m",15,"15 & Match","greater 3mo\n or IRD","PAT, NAS \nSolidifi","Always","No","No","Yes","On Qual","Yes"," -","Std.","No"," -","Yes"]
["Scotiabank","Scotiabank ( Non-Resident  U.S. Resident )",null,{"$f":"VLOOKUP(A129,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"National",80,"US Equifax","not on Bureau","1,2,3,4,5,7,10 Fixed  \n6mo & 1yr Open, & VRM",25000,"No Max"," -"," -","20% None Gifted or Borrowed","O/O Second / Vacation\nsingle unit only","Purch, Switch"," -"," -"," -","40 / none"," -",25,"Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Best",120,"No","w,bw,sm,m",15,"15 & Match","greater 3mo\n or IRD","PAT, NAS \nSolidifi","Always","No","No","Yes","On Qual","Yes"," -","Std.","No"," -","Yes"]
["Scotiabank","Scotiabank  ( Non-Resident Other Country )",null,{"$f":"VLOOKUP(A130,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"National",50,"Report or Letter","not on Bureau","1,2,3,4,5,7,10 Fixed  \n6mo & 1yr Open, & VRM",25000,750000," -"," -","50% None Gifted or Borrowed","O/O Second / Vacation\nsingle unit only","Purch, Switch"," -"," -"," -"," -"," -",25,"Term"," -","n/a","Best",120,"No","w,bw,sm,m",15,"15 & Match","greater 3mo\n or IRD","PAT, NAS \nSolidifi","Always","No","No","Yes","On Qual","Yes"," -","Std.","No"," -","Yes"]
["Scotiabank","Scotiabank  ( Switch / Transfer )",null,{"$f":"VLOOKUP(A131,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"National",95,620,"6 years","1,2,3,4,5,7,10\n 5 VRM",50000,"No Max"," -"," -","Positive Property Equity","Switch / Transfer","O/O to 4 Units, Second Home,\n Small Rental",35,42,35,42,"remaining","remaining",5,"higher of Deal Rate \nor 5yr Benchmark","higher of 5yr Benchmark or Deal Rate +2.00%","Best",120,"Yes","w,bw,sm,m",15,"15 & Match","greater 3mo\n or IRD","if conditioned\n Scotia will pay","Always","No","No","Yes","On Qual","This is it","FCT, PAT & $400 Disch.","Yes","n/a"," -","Yes"]
["Street Capital","Street Capital   ( Promo - Insured )",null,{"$f":"VLOOKUP(A132,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces exc. \nAB PQ",95,660,"no",5,50000,750000," -","Yes","5% Own Resource, Gift, or Borrowed","Purch","O/O to 4 Units, Second Home","35/39","42"," -"," -",25," -",10,"higher of Deal Rate \nor 5yr Benchmark"," -","Promo",90,"Yes","w,bw,m",20,20,"greater 3mo\n or IRD","NAS, Solidifi","Always","No","see Marian","Yes","On Qual","Yes"," -","Street Smart","FCT"," -","Yes"]
["Street Capital","Street Capital     ( Insurable )",null,{"$f":"VLOOKUP(A133,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces exc. \nAB PQ",95,620,"2 years","1,2,3,4,5",50000,"$925,000 \nplus Ins."," -","Yes","5% Own Resource, Gift, or Borrowed","Purch, Plus Improv.","O/O to 4 Units, Second Home","35/39","42/44"," -"," -",25," -",10,"higher of Deal Rate \nor 5yr Benchmark"," -","Based on LTV",120,"Yes","w,bw,m",20,20,"greater 3mo\n or IRD","NAS, Solidifi","Always","No","see Marian","Yes","On Qual","Yes"," -","Street Smart","FCT"," -","Yes"]
["Street Capital","Street Capital     ( PRIME Un-Insurable )",null,{"$f":"VLOOKUP(A134,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces exc. \nAB PQ",80,640,"2 years","5",50000,1500000," -"," -",0.2,"ReFi, ETO","O/O to 3 Units"," -"," -","39","44"," -",30,12," -","higher of 5yr Benchmark or Deal Rate +2.00%","Best plus  aprox .25%",120,"Yes","w,bw,m",20,20,"greater 3mo\n or IRD","NAS, Solidifi, Brookfield","Always","No","see Marian","Yes","On Qual","Yes"," -","Street Smart","FCT"," -","Yes"]
["Street Capital","Street Capital - Solutions  \n      ( FLEX Un-Insured - Provable Income )",null,{"$f":"VLOOKUP(A135,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"select centres \nBC AB ON NS NL",80,"500+/-","1 Day","1,2,3,4,5",50000,750000," -"," -","20% own resources \nNone Gifted / Borrowed","Purch, ReFi, ETO","O/O to 2 Units"," -"," -","Make Sense","Make Sense"," -",30,12," -","higher of 5yr Benchmark or Deal Rate +2.00%","Based on Application",90,"No","w,bw,m",20,21,"greater 3mo\n or IRD","Always \nApproved list","Always","No","see Marian","Straight","No","No"," -",null,null," -","No"]
["Street Capital","Street Capital   ( Switch / Transfer )",null,{"$f":"VLOOKUP(A136,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces exc. PQ",95,620,"2 years","1,2,3,4,5\n 5 ARM",50000,1000000," -"," -","Positive Property Equity","Switch / Transfer","O/O to 4 Units, Second Home","35/39","42/44","35/39","42/44","remaining","remaining",10,"higher of Deal Rate \nor 5yr Benchmark","higher of 5yr Benchmark or Deal Rate +2.00%","see comment",120,"Yes","w,bw,m",20,20,"greater 3mo\n or IRD","if required\n borrower pays","Paid by Street","No","No","Yes","On Qual","This is it","No","Street Smart","n/a"," -","Yes"]
["Street Capital","Street Capital   ( Collateral Transfer )",null,{"$f":"VLOOKUP(A137,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces exc. PQ",95,620,"2 years","5, 5 ARM",50000,1000000," -"," -","Positive Property Equity","Switch / Transfer","O/O to 4 Units","35/39","42/44","35/39","42/44","remaining","remaining",10,"higher of Deal Rate \nor 5yr Benchmark","higher of 5yr Benchmark or Deal Rate +2.00%","see comment",120,"Yes","w,bw,m",20,20,"greater 3mo\n or IRD","if required\n borrower pays","Always","No","No","Yes","On Qual","This is it","No","Street Smart","n/a"," -","Yes"]
["TD Canada Trust","TD/Canada Trust   ( Insured )",null,{"$f":"VLOOKUP(A138,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces",95,"n/a","2 years","6 mo. conv, 1,2,3,4,5,6,7,10",20000," No Max"," -"," -","Own Resource or Gift","Purch, Plus Improv.","O/O to 4 Units, Second Home, \nLeased Land",39,44," -"," -",25," -","longer of\n 5 or Term","higher of Deal Rate \nor 5yr Benchmark"," -","Best","Disc. 120","Yes","w,bw,sm,m",15,100,"greater 3mo\n or IRD","NAS, RPS, Solidifi, TD-APV","re. Opinion Letter","No","see Marian"," -","On Qual","Yes"," -","Std.","No"," -","Yes"]
["TD Canada Trust","TD/Canada Trust   ( Un-Insured )",null,{"$f":"VLOOKUP(A139,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces",80,"n/a","2 years","6 mo. conv, 1,2,3,4,5,6,7,10",20000," No Max"," -"," -","Own Resource or Gift","Purch, ReFi, ETO","O/O to 4 Units, Second Home, Small Rental 1-4 Units, Leased Land"," -"," -","32/44","42/44"," -",30,"longer of\n 5 or Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Best","Disc. 120","Yes","w,bw,sm,m",15,100,"greater 3mo\n or IRD","NAS, RPS, Solidifi, TD-APV","re. Opinion Letter","No","see Marian"," -","On Qual","Yes"," -","Std.","Save up to $1,200"," -","Yes"]
["TD Canada Trust","TD/Canada Trust   ( Cottage )",null,{"$f":"VLOOKUP(A140,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces",90,680,"2 years","6 mo. conv, 1,2,3,4,5,6,7,10",20000,500000," -"," -","Own Resource or Gift","Purch, ReFi, ETO","Cottage Types A or B",39,44,"32/44","42/44",25,25,"longer of\n 5 or Term","higher of Deal Rate \nor 5yr Benchmark","higher of 5yr Benchmark or Deal Rate +2.00%","Best","Disc. 120","Yes","w,bw,sm,m",15,100,"greater 3mo\n or IRD","NAS, RPS, Solidifi, TD-APV","re. Opinion Letter","No","No"," -","On Qual","Yes"," -","Std.","Save up to $1,200"," -","Yes"]
["TD Canada Trust","TD/Canada Trust   ( Switch / Transfer )",null,{"$f":"VLOOKUP(A141,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces","No Max\n80","n/a","2 years","1,2,3,4,5,6,7,10 & VIRM",50000," No Max"," -"," -","n/a","Switch / Transfer","O/O to 4 Units, Second Home, \nSmall Rental, Vacation Type B",39,44,35,42,"remaining","remaining","longer of\n 5 or Term","higher of Deal Rate \nor 5yr Benchmark","higher of 5yr Benchmark or Deal Rate +2.00%","Best","Disc. 120","Yes","w,bw,sm,m",15,100,"greater 3mo\n or IRD","NAS, RPS, Solidifi, TD-APV","No","No","No"," -","On Qual","This is it","$400 & IHR","Save up to $400","n/a"," -","Yes"]
["Xceed Mortgage","XMC Mortgage    ( AAA XTRAGREEN )\n                                                      Insured",null,{"$f":"VLOOKUP(A142,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces exc. PQ ",95,660,"2 years","3,5","$125,000 $75,000","$925,000 \nplus ins."," -","Yes","Own Resource or Gift","Purch","O/O to 4 Units, Second Home,\n Small Rental 2-4 units","35/39","42/44"," -"," -",25," -",20,"higher of Deal Rate \nor 5yr Benchmark"," -","Best",120,"Unlimited","w,bw,m",20,20,"greater 3mo\n or IRD","Only if req'd by insurer","Always","No","see Marian","Yes","On Qual",null," -","Std.","No"," -","Yes"]
["Xceed Mortgage","XMC Mortgage   ( Simplicity Mortgage )\n                                                     Insured",null,{"$f":"VLOOKUP(A143,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"Provinces exc. PQ ",95,660,"2 years",5,"$125,000 $75,000","$925,000 \nplus ins."," -","Yes","Own Resource or Gift","Purch","O/O to 4 Units, Second Home,\n Small Rental 2-4 units","35/39","42/44"," -"," -",25," -",20,"higher of Deal Rate \nor 5yr Benchmark"," -","Best",120,"Unlimited","w,bw,m",10,10,"greater 3mo\n or IRD","Only if req'd by insurer","Always","No","see Marian","Yes","On Qual",null," -","Std.","No"," -","Yes"]
["Xceed Mortgage","XMC Mortgage     ( ALT-A )\n                                                     Insured",null,{"$f":"VLOOKUP(A144,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"limited centres \nBC AB SK MB ON",80,550,"1 Day","1,2,3","$125,000 $75,000",1000000," -"," -","10% Own Resource","Purch, ReFi, ETO","O/O to 3 Units, Second Home \nmax 1 Unit, Small Rental to 3 Units"," -"," -",44,44," -","30 / 35",20," -","higher of 5yr Benchmark or Deal Rate +2.00%","Competitive","120 / 60","Unlimited","w,bw,m",20,20,"greater 3mo\n or IRD","Always","Always","No","see Marian","Yes","On Qual","as ReFi"," -","Std.","No"," -","no"]
["Xceed Mortgage","XMC Mortgage   ( Near Prime \"B\" )\n                                                Un-Insured",null,{"$f":"VLOOKUP(A145,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"limited centres \nBC AB SK MB ON",80,500,"1 Year","1,2,3",100000,2500000," -"," -","10% Own Resource","Purch, ReFi, ETO\nPayout OPD, CRA, City Tax","O/O to 4 Units, Second Home \nmax 1 Unit, Small Rental to 4 Units"," -"," -","48 / 39","48 / 44"," -","30 / 35",20," -","higher of 5yr Benchmark or Deal Rate +2.00%","Based on Application","121 / 60","No","w,bw,m",20,20,"greater 3mo\n or IRD","Always","Always",0.01,"No","Yes","On Qual","as ReFi"," -","Std.","Yes"," -","no"]
["Xceed Mortgage","XMC Mortgage   ( Non-Prime \"B\" )\n                                                Un-Insured",null,{"$f":"VLOOKUP(A146,'[1]My Six'!$F$5:$G$33,2,FALSE)","v":0},"limited centres \nBC AB SK MB ON",65,475,"<1 Year","1,2,3",100000,1000000," -"," -","10% Own Resource","Purch, ReFi, ETO\nPayout CRA, City Tax","O/O to 4 Units, Second Home \nmax 1 Unit, Small Rental to 4 Units"," -"," -","50 / 39","50 / 44"," -","30 / 35",20," -","higher of 5yr Benchmark or Deal Rate +2.00%","Based on Application","120 / 60","No","w,bw,m",20,20,"greater 3mo\n or IRD","Always","Always",0.01,"No","Yes","On Qual","as ReFi"," -","Std.","Yes"," -","no"]
[null,{"$f":"TODAY()","v":"2024-03-02"}]
[]
[null,"Disclaimer"]
[null,"Information provided in this tool is that as supplied by the named lending institution prior to release of this version.  Product features, approval guidelines, and lender policies may change without prior written notice.  Current lender offerings should be confirmed by referring to the latest lender literature or contacting the lender directly prior to quoting: terms, conditions or rates to a client; and prior to submitting an application to the lender. This information is provided solely as a condensed version of market options. The individual user name and logo have been added at the request of the user for the purpose of consumer branding, and are not intended to indicate product ownership."]
[null," "]
[null,"Developer:- MMI Mortgage Mentor Inc."]
[null,"Author:- R. A. (Rick) Robertson  MBI"]
[null,"Proprietary Property of R. A. Robertson"]
[null,"© Copyright 08/01/05 revised through January 2022"]
[null," "]
[null,"Use without prior written permission of the Author is prohibited."]

{"sheet":"FieldFinder","index":2,"n_rows":47,"n_cols":2,"rows_kept":47,"cut":false,"hidden":true,"merged":[[0,0,0,9],[2,0,2,1],[3,1,3,2]]}
["This sheet is the source sheet name where the column headings are for the field search"]
[]
["Column A contains column Heading to display"]
[null,"Column B contains the heading sheet&cell address "]
[]
["Title to Display","Reference Cell"]
["Column Finder - click here",{"$f":"'Fixed Rate'!D7","v":0}]
["Amortization Conventional",{"$f":"'Fixed Rate'!U4","v":"Amortization"}]
["Amortization High Ratio",{"$f":"'Fixed Rate'!U4","v":"Amortization"}]
["Amortization Minimum",{"$f":"'Fixed Rate'!U4","v":"Amortization"}]
["Annual Prepayment (%)",{"$f":"'Fixed Rate'!$AD$4","v":"Annual Prepayment (%)"}]
["Application Fee",{"$f":"'Fixed Rate'!$AI$4","v":"Appl. Fee"}]
["Appraisal",{"$f":"'Fixed Rate'!$AG$4","v":"Appraisal"}]
["Assume",{"$f":"'Fixed Rate'!$AL$4","v":"Assume"}]
["Bankrupt",{"$f":"'Fixed Rate'!$H$4","v":"Bankrupt"}]
["Beacon Minimum",{"$f":"'Fixed Rate'!$G$4","v":"Beacon Minimum"}]
["Cash Back Available",{"$f":"'Fixed Rate'!$L$4","v":"Cash Back"}]
["Equity Minimum",{"$f":"'Fixed Rate'!$N$4","v":"Equity "}]
["Flex-Down Payment",{"$f":"'Fixed Rate'!$M$4","v":"Flex-Down Payment"}]
["GDS % Conventional",{"$f":"'Fixed Rate'!$S$4","v":"Un-Insurable"}]
["GDS % High Ratio",{"$f":"'Fixed Rate'!$Q$4","v":"Insurable"}]
["Legal",{"$f":"'Fixed Rate'!$AO$4","v":"Legal"}]
["Lending Area",{"$f":"'Fixed Rate'!$E$4","v":"Lending Area"}]
["Loan Amount Maximum",{"$f":"'Fixed Rate'!$J$4","v":"Loan Amount"}]
["Loan Amount Minimum",{"$f":"'Fixed Rate'!$J$4","v":"Loan Amount"}]
["LTV % Maximum",{"$f":"'Fixed Rate'!$F$4","v":"LTV (%) Maximum"}]
["New to Canada",{"$f":"'Fixed Rate'!$AJ$4","v":"New to Canada"}]
["Payment Increase Option (%)",{"$f":"'Fixed Rate'!$AE$4","v":"Payment Increase Option (%)"}]
["Payment Options",{"$f":"'Fixed Rate'!$AC$4","v":"Payment Options"}]
["Portable",{"$f":"'Fixed Rate'!$AK$4","v":"Portable"}]
["Pre-Payment Penalty 1st 5 yrs",{"$f":"'Fixed Rate'!$AF$4","v":"Pre-Payment \nPenalty"}]
["Property Type",{"$f":"'Fixed Rate'!$O$4","v":"Purpose"}]
["Purpose",{"$f":"'Fixed Rate'!$O$4","v":"Purpose"}]
["Qualifying Rate Conventional",{"$f":"'Fixed Rate'!Y5","v":"Un-Insurable"}]
["Qualifying Rate High Ratio",{"$f":"'Fixed Rate'!X5","v":"Insurable"}]
["Rate",{"$f":"'Fixed Rate'!Z4","v":"Rate"}]
["Rate Buy-Down",{"$f":"'Fixed Rate'!$AB$4","v":"Rate \nBuy-Down"}]
["Rate Hold period",{"$f":"'Fixed Rate'!AA4","v":"Rate Hold \nperiod"}]
["Refinance",{"$f":"'Fixed Rate'!$AP$4","v":"Refinance"}]
["Switch / Transfer Info",{"$f":"'Fixed Rate'!$AM$4","v":"Switch-In"}]
["Switch / Transfer Lender Pays ?",{"$f":"'Fixed Rate'!$AM$4","v":"Switch-In"}]
["TDS % Conventional",{"$f":"'Fixed Rate'!R5","v":"TDS %"}]
["TDS % High Ratio",{"$f":"'Fixed Rate'!$Q$4","v":"Insurable"}]
["Terms Available",{"$f":"'Fixed Rate'!$I$4","v":"Terms Available"}]
["Title Insurance",{"$f":"'Fixed Rate'!$AH$4","v":"Title Insurance"}]
["Trailer Fees",{"$f":"'Fixed Rate'!$AQ$4","v":"Trailer Fees"}]
["Volume Bonus",{"$f":"'Fixed Rate'!$AR$4","v":"Volume Bonus"}]

{"sheet":"Agreement","index":3,"n_rows":47,"n_cols":2,"rows_kept":47,"cut":false,"hidden":true,"merged":[]}
[]
[null,"Mortgage Mentor: Disclaimer, Privacy Policy, and License Agreement"]
[]
[null,"Read the terms and conditions of this license agreement carefully.  "]
[null,"By: downloading, otherwise receiving, or using a copy of the program, you are accepting and agreeing to the terms of this license agreement."]
[null,"continued…"]
[null,"1.     The program is copyrighted and licensed (not sold). This is a legal agreement between you (either an individual end-user or an entity) and MMI Mortgage Mentor Inc. (“MMI”) . If you do not agree to the terms and conditions of this agreement, you must promptly stop using the Software, remove it from any computer on which you have installed it, and destroy all aspects of the Software in your possession or control."]
[null,"continued…"]
[null,"2.      At MMI, we are committed to respecting and protecting your privacy and security.  We have taken measures to protect the security of your personal information and protect your data from misuse and unauthorized access or disclosure. While any data transmissions over the internet cannot be guaranteed 100%, MMI would like to reassure our subscribers that our site www.mortgagementor.com is protected by CopyMinder (www.copyminder.com). To further protect your security, we are providing each subscriber with a unique Product Key for their personal use only.  By using this software you agree that your Product Key shall not be shared, distributed or broadcast to any other parties."]
[null,"continued…"]
[null,"3.    Each Product Key and Mortgage Mentor Tool (from herein referred to as “Software”) are protected by CopyMinder.  Periodically throughout the duration of your subscription, your Product Key and computer ID will need to be re-validated by COPY minder's protection system. To facilitate this, your computer will need to be connected to the internet.  No data is copied, installed, or accessed from your computer during this process. You agree to allow CopyMinder access to the Software installed on your computer solely for such re-validation purposes."]
[null,"continued…"]
[null,"4.     The Software that is made available for downloading from our online server is owned by MMI.  This Software is protected by copyright laws, and is  licensed to you on a non-exclusive limited basis to be used by you in accordance with the terms and conditions described herein.  Any use, reproduction or redistribution of the Software that is not in accordance with the terms and conditions in this agreement is expressly prohibited by law, and may result in civil and criminal penalties."]
[null,"continued…"]
[null,"5.     This Software is licensed, not sold, for use under the terms and conditions of this agreement, and MMI reserves all rights not expressly granted in this agreement. Without limiting the generality of the forgoing MMI retains ownership of  the Software, and all intellectual property rights therein.  As such, you acknowledge and agree that MMI holds all rights to title and interest in all tangible and intangible incidents of the product and/or service, including copyrights and trade secrets pertaining thereto, and that this agreement conveys to you only a limited right to access and use of the product and/or service.  Subject to the terms and conditions of this agreement, MMI grants to you a non-exclusive limited license to use one copy of the Software and any documentation accompanying this agreement on one computer only.  No other rights are granted.  You may not use the Software on different computers concurrently using the same Product Key.  Attempts to install this Software on a second computer will cause the original, authorized installation to malfunction."]
[null,"continued…"]
[null,"6.      The Software contains copyrighted concepts, ideas, and other proprietary materials of MMI. You agree not to analyze, reverse engineer, decompile or disassemble the Software, or any part of the Software.  You also agree to not modify or create derivative works of the Software, combine with or incorporate the Software into any other application Software, print a copy of the Software, reproduce, distribute, publish, resell for profit, broadcast, transmit or provide its functionality, or commercially exploit the Software and any information available on this site in any matter without the express consent of MMI. AND IS PROHIBITED WITHOUT THE EXPRESS WRITTEN PERMISSION OF MMI."]
[null,"continued…"]
[null,"7.      The Software is considered in use if it is loaded on the computer’s permanent or temporary memory.  If you are acquiring the Software on behalf of another person or entity, you represent and warrant that you have the authority to bind the party or entity for which you are acquiring the Software to the terms and conditions of this agreement."]
[null,"continued…"]
[null,"8.    IN NO EVENT SHALL MMI, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, SUPPLIERS OR THEIR RESPECTIVE SUCCESSORS OR ASSIGNS BE LIABLE TO YOU OR ANY OTHER THIRD PARTY FOR ANY DAMAGES OF ANY KIND INCLUDING BUT NOT LIMITED TO: GENERAL, DIRECT, INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES INCLUDING DAMAGES FOR LOSS OF BUSINESS, LOSS OF PROFITS, LOSS OF INFORMATION, LOSS OF SAVINGS, LOSS OF DATA, BUSINESS INTERRUPTION  OR THE LIKE ARISING OUT OF OR IN CONNECTION WITH THE DELIVERY, PERFORMANCE, TRANSMISSION, FAILURE TO DELIVER, PERFORM, OR TRANSMIT, USE OR INABILITY TO USE THE PROGRAM OR THE INFORMATION "]
[null,"CONTAINED IN THE SOFTWARE AND REGARDLESS OF THE CAUSE WHETHER ARISING IN CONTRACT (INCLUDING FUNDAMENTAL BREACH), TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, EVEN IF CAUSED BY THE NEGLIGENCE OF MMI ITS, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, SUPPLIERS AND THEIR RESPECTIVE SUCCESSORS AND ASSIGNS OR IF MMI, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, SUPPLIERS AND THEIR RESPECTIVE SUCCESSORS AND ASSIGNS KNEW OR OUGHT TO HAVE KNOWN  OF THE POSSIBILITY OF SUCH DAMAGES."]
[null,"continued…"]
[null,"9. YOU HEREBY RELEASE MMI AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, SUPPLIERS AND THEIR RESPECTIVE SUCCESSORS AND ASSIGNS, FROM ANY CLAIMS INCLUDING, BUT NOT LIMITED TO, ANY CLAIMS RELATED TO DAMAGES FOR LOSS OF BUSINESS, LOSS OF PROFITS, LOSS OF INFORMATION, LOSS OF SAVINGS, LOSS OF DATA,  BUSINESS INTERRUPTION OR THE LIKE ARISING OUT OF OR IN CONNECTION WITH THE DELIVERY, PERFORMANCE, TRANSMISSION, FAILURE TO DELIVER,  PERFORM OR TRANSMIT, USE OR INABILITY TO USE THE PROGRAM OR THE INFORMATION CONTAINED IN THE SOFTWARE, AND YOU AGREE NOT TO ASSERT ANY CLAIMS AGAINST THEM, ARISING FROM YOUR USE OF THE SOFTWARE."]
[null,"continued…"]
[null,"10.      In the event of errors or omissions in any information, the sole responsibility of MMI is to use its best efforts to correct, by the issue of a corrected release, any errors which it or any of its employees or agents may have made, negligently or otherwise, in transmitting copy accurately and which are brought to its attention. "]
[null,"continued…"]
[null,"11. THE SOFTWARE IS PROVIDED ON AN \"AS IS, WHERE IS\" BASIS AND MMI DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS, ENDORSEMENTS OR CONDITIONS WITH RESPECT TO THE SOFTWARE, INCLUDING WITHOUT LIMITATION, WARRANTIES AS TO MERCHANTABILITY, OPERATION, NON-INFRINGEMENT, USEFULNESS, COMPLETENESS, ACCURACY, RELIABILITY AND FITNESS FOR A PARTICULAR PURPOSE."]
[null,"continued…"]
[null,"12.     This agreement is effective for the duration of the license term and any renewals thereto.  Upon violation of any of the terms and conditions of this agreement, rights to the use of the Software shall automatically terminate and the Software must be destroyed.  If MMI makes a request via public announcement or press release to stop using the Software, you will comply immediately with this request.  Removal of the Software or discontinuance of its use prior to the end of the subscription does not entitle you to a refund or absolve you from continuing to make the regular subscription payments."]
[null,"continued…"]
[null,"13.     Links to other web sites from the Software or from the MMI web site allow you to leave the Software and/or the MMI web site.  The linked sites are not under the control of MMI and MMI is not responsible for the contents of any linked site or links within a linked site.  These links are provided as a convenience only and do not imply any endorsement or recommendation by MMI."]
[null,"continued…"]
[null,"14.      A service charge will be applied for any support in re-installation, troubleshooting, or diagnostic assistance resulting from non-compliance with this agreement."]
[null,"continued…"]
[null,"15.     CAUTION, some freeware, shareware, or you-don’t-have-to-pay-for-it-ware may cause a conflict with this Software.  It is recommended by MMI that this Software only be run on a computer system containing industry accepted business software and trustworthy programs. MMI is not responsible for any problems resulting from you downloading or installing recreational or non-business software that interferes with the Software.  You are solely responsible for the safety and maintenance of your computer.  Loss of use of your computer does not justify non-payment of any subscriptions fees due."]
[null,"continued…"]
[null,"16.     By using the Software or by submitting personal information to us, you signify your agreement to MMI’s Disclaimer and Privacy Policy.  [NOTE: Canadian privacy laws do not allow you to force someone to consent to be given information. If you do something like this, you are required to allow a person to opt out at an early opportunity.  We recommend you address this issue in your privacy policy].  MMI reserves the right to change our Disclaimer and Privacy Policy at any time by posting the revised policy on our website.  MMI may notify you of any such changes by posting notice of such modifications on the web site, or via e-mail, postal mail or other means. Notwithstanding the foregoing, it is your responsibility to periodically check our Disclaimer and Privacy Policy to inform yourself of such changes. "]
[null,"continued…"]
[null,"17.     It is the intent of MMI to assist in the advancement of the profession of Mortgage Brokering in Canada through making our calculators, and resource based, product sorting ideas available to professional independent Mortgage Brokers through our specialized software.  It is the desire of MMI that this Software not be made available for use by: Banks, Credit Unions, Trust Companies, lenders in general, Insurance Agents or Brokers, Financial Planners, Mutual Fund sales representatives, Realtors and Real Estate Agents, or anyone whose principal business is not mortgage origination."]
[null,"continued…"]
[null,"18.   MMI may, in its sole discretion, modify portions or all of this agreement at any time. The onus is on you to periodically check for any revision or modifications to this agreement by checking the MMI web site www.mortgagementor.com.  Your continued use of the Software following notice of such modifications shall be deemed to be your acceptance of any such modifications to this agreement.  If you do not agree to such modifications you must immediately stop using the Software, destroy the Software in your possession or control and notify MMI immediately.  "]
[null,"continued…"]
[null,"19.    This agreement may not be assigned by you. MMI may assign this agreement at any time without notice to you. "]
[null,"continued…"]
[null,"20.    Microsoft Office, Windows and/or other Microsoft products referenced or used are either trademarks or registered trademarks of Microsoft.  All other trademarks are property of their respective owners."]
[null,"END"]