Personal Loans

Loans for consumer based purchases (vehicles, household goods, holidays) and debt consolidations

• Available as a term loan, quick loan or line of credit
• Terms up to 5 years
• Fixed and variable interest rates
• No prepayment penalty
• Loan insurance is available

Residential Mortgages

Loans for purchase, construction or renovation to your personal residence.

• Available as a conventional mortgage or CMHC insured mortgage
• Financing up to 95% on CMHC and 75% on conventional mortgages
• Property taxes can be included in the repayment terms
• Terms up to 20 years
• Fixed rate terms from 1 to 5 years and variable interest rates
• Loan insurance is available

Farm Mortgages

Loans for purchase of farm land or construction of buildings on the farm.

• Available as a conventional mortgage
• Financing up to 75% of the established values for Conventional and 80% for FIMCLA
• Terms up to 20 years
• Fixed rate terms from 1 to 5 years and variable interest rates
• Loan insurance is available

Farm Loans

Loans for purchase of farm equipment or operating funds.

• Available as a term loan or line of credit
• Financing matches income streams
• Terms match the loan purpose and income stream
• Fixed rate terms from 1 to 5 years and variable interest rates
• Loan insurance is available

Commercial Mortgages

Loans for purchase of business property, construction or renovations of commercial buildings.

• Available as a conventional mortgage
• Financing up to 75% of the established values
• Terms up to 20 years
• Fixed rate terms from 1 to 5 years and variable interest rates
• Loan insurance is available

Commercial Loans

Loans for purchase of business equipment and inventory or operating funds.

• Available as a term loan or line of credit
• Financing matches income streams
• Terms match the loan purpose and income stream
• Fixed rate terms from 1 to 5 years and variable interest rates
• Loan insurance is available

Government Agency Loans

Available as a FIMCLA for agriculture or CSBFP for commercial.

• Loans for purchase of agriculture and commercial assets
• Loans are guaranteed by the Government of Canada
• Available as a term loan
• Terms match the loan purpose and income stream
• Fixed rate terms from 1 to 5 years and variable interest rates
• Loan insurance is available

Student Choice Loans

Provides loans to full time students that are attending an accredited post secondary education institution.

• An education loan is available with an annual maximum advance of $10,000.00 and a total loan maximum of $40,000.00
• Principal repayment to begin no later than 6 months after withdrawal as a full time student
• Variable interest rates
• No prepayment penalty
• Loan insurance is available

Family Farm Transfer Mortgages

Loans to assist in the inter-generation transfer of the family farm.

• Available as a conventional mortgage
• Financing up to 90% of the transfer value
• The vendor will receive the funds over a 5 year period
• The purchaser builds equity with a minimal down payment
• Terms up to 20 years
• Fixed rate terms from 1 to 5 years and variable interest rates
• Loan insurance is available

RRSP Loans

Provides loans to purchase a Registered Retirement savings investment.

• Maximum loan of $20,000
• Terms up to 10 years
• Variable interest rates
• No prepayment penalty
• Loan insurance is mandatory