Optimum Mortgage works for brokers;
always have, always will.

What does hassle-free lending mean to YOU?
We think it means...

...Unparalleled service that saves you time.

• Underwriters available to take your call (no voicemail).
• Local BDO’s who understand your lending area.
• A local expert underwriter supporting your deal.
• Immediate acknowledgement, and a response within 24 hrs.
• Access to experts in both N.I.Q. and “A” lending, backed by a full product line.
• A high-service lender who will find the best possible fit for your customer; guaranteed.
• Referral fees paid weekly.

...Working with a reputable lender.

• Optimum Mortgage is a proud member of the Canadian Western Bank Group. Canadian Western Bank (TSX:CWB) is a Canadian Schedule I bank with combined balance sheet assets of more than $12 billion, assets under administration over $8 billion and assets under managemant approaching $1 billion.
• Optimum Mortgage is the broker-focused lending arm of Canadian Western Bank. Your customers will not be crossmarketed, and in-branch fulfillment is not required.
• Optimum Mortgage is a solid lender that stands behind it's brokers and their products.

...Unparalleled products that help you close more deals.

• Consumer-friendly mortgages.
  
  
  • Bridge financing.
  • Portable and assumable.
  • Annual payment up to 20%, double-up payments, or increased monthly payments up to 20% at any time.
  • Early payout permitted with the greater of 3 months interest or IRD (IRD calculated on Posted Rates) (N.I.Q. mortgages, add 1%).


• Product flexibility.
  
  
  • N.I.Q. lending (BFS, stated/salaried income, conventional).
  • “A”lending (high-ratio and conventional).
  • Gifted down payments considered.
  • Second mortgages allowed.
  • Revenue properties (including NIQ borrowers).


• N.I.Q. lending.
  
  
  • Each deal on its own merit (Sensible Lending®).
  • With your customer’s improved credit, and our early payout flexibility, re-write your customer -- without extraneous penalties.
  • Minimum 500 beacon.
  • Reduced documentation (NOA’s typically not required).


• Insured products.
  
  
  • Options with both Genworth and CMHC.
  • No “fine print” over-and-above the insurers’ guidelines.

We are a full-service lender with products, pricing, and the lending expertise suitable for most borrowers.

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