Broker Rates
We lend across BC, including smaller and more rural markets, so pricing is tied to risk in the specific lending area. Lower-leverage files priced well under the max LTV for a town and product usually get better rates. Files closer to the max LTV we would consider for that town and product are priced higher.
Starting from
7.75%
Example: if a town and product support a likely max around 60% LTV, a file at 50% is priced more favorably than one at 58% or 60%.
Standard broker quotes show calculator rate +/- 0.50%. Rates and fees can change without notice. Final approval remains file specific.
Quick Quote
Get an instant rate
quote at tekfund.ca
Submit/Discuss
Velocity, Expert, Finmo,
email, or call to go over first
Proposal
We send rate & term by email
or call to discuss particulars
Commitment
Broker presents,
client accepts
Funding
Instructed to solicitor
broker fee paid
Credit score runs across the top. The left-hand side shows how the requested LTV compares with the likely max LTV after community, product, credit, and proximity are considered.
| File LTV vs Possible Max LTV | Read down the left side based on how the requested LTV compares with the likely max for the file after community, product, credit, and proximity are considered. |
|---|---|
| Credit Score | Read across the top row using the borrower credit band, then match it to the left-side file-LTV row. |
| File LTV vs Possible Max LTV | Credit Score | |||
|---|---|---|---|---|
| 720+ | 660-719 | 600-659 | Below 600 | |
|
Exceeds max LTV
File may still work, but it will usually need discussion.
|
10.00% | 10.50% | 11.00% | 11.50% |
|
0% to 5% under max LTV
Requested LTV is close to the likely max.
|
9.50% | 9.75% | 10.00% | 10.50% |
|
5% to 10% under max LTV
Requested LTV is moderately below the likely max.
|
9.00% | 9.25% | 9.50% | 10.00% |
|
10%+ under max LTV
Requested LTV is comfortably below the likely max.
|
8.50% | 9.00% | 9.25% | 9.75% |
Maximum LTVs are calculated per community based on economic strength, population, and market data, then adjusted by credit score, product type, and subject property's proximity to town limits. We lend across 126+ BC communities outside Vancouver and the Fraser Valley.
Larger Centres
Kelowna, Victoria, Kamloops
Up to 75% LTV
Mid-Sized Towns
Salmon Arm, Vernon, Penticton
Up to 70% LTV
Smaller Communities
Golden, Revelstoke, Quesnel
Up to 65% LTV
Remote / Smallest Towns
Lillooet, Valemount, 100 Mile House
Up to 55% LTV
Deals above the likely max LTV are reviewed case by case.
Max LTV is also reduced for properties outside city limits and for lower credit scores — the website calculator handles this automatically.
Get exact numbers at tekfund.ca — 10-second quote.
These are the main file-level premiums that can move pricing off the base grid.
Fully closed
$1500 minimum fee
Early payout available with a 3-month interest prepayment penalty.
1.25%
Open After 3 Months
$2000 minimum fee
Closed for the first 3 months, then fully open with no prepayment penalty.
1.50%
Fully Open
$2500 minimum fee
Payout at any time.
2.00%
Renewal fees: Minimum $250, Maximum 0.25% of loan balance.
We're flexible on how we structure rates. Clients that are rate sensitive? We can increase fees to accommodate. Just let us know and we'll work with it.
You set your fee, we collect it. We know every deal is different, so you don't need to match our lender fee.
Tekamar mortgages are eligible for insurable switches to select monoline lenders — something we worked hard to bring to our brokers.
This reduces your client costs by not having to pay for another refinance. Once your client qualifies, switch them to one of our partner monolines: possible no appraisal, reduced legal fees via FCT Switch, insurable-rate pricing. Two transactions, one happy client.
Use the broker calculator for a faster estimate when the file is close to the line, outside the likely max, or needs a more exact combination of adjustments.
Open the Rate Calculator