ON
Ontario carries the full program suite and the highest loan-to-value ceilings. Prime in centres of 50,000 or more; Flex province-wide, including rural files that meet the marketability test.
Prime + Flex + SpecialtyHome / Lending programs / Lending areas
Where each program lends.
Two things set the ceiling on any file: which province the property is in, and how deep that local market is. Here is the whole map on one page rather than inside a PDF.
BC
Prime-market lending in qualifying centres, at ceilings below the Ontario program. Specialty programs available on review.
Prime marketAB
Prime-market lending in qualifying centres, at ceilings below the Ontario program. Specialty programs available on review.
Prime market| Market tier | What it means | Effect on the file |
|---|---|---|
| Tier A | Major centres and their commuter belts — deep resale demand, consistent transaction volume | Full ceilings, all programs, fastest underwriting |
| Tier B | Centres of roughly 50,000+ outside the major metros | Prime available; ceilings a step below Tier A |
| Tier C | Smaller towns and rural residential — thinner comparable data | Flex family only; ceiling set by the marketability review |
| Review | Very remote, acreage well beyond a residential parcel, single-industry towns, unique properties | Case by case; send it with photos and comparables |
Not sure which tier a town falls in? Ask the desk before you promise your client a number — it takes one email and it saves a re-pricing conversation later.