2.60% (First year)


$ 400 (First year)


3 years Lock-in Period
Board Rate Type

FEATURES

  • Income Capped
  • 1 Borrower - $2,500
  • 2 Borrower - $5,000

RATES AND PAYMENTS

    • Year 1
    • Board + 2.600% = 2.60%
    • $ 400/mth
    • Year 2
    • Board + 2.600% = 2.60%
    • $ 400/mth
    • Year 3
    • Board + 2.600% = 2.60%
    • $ 400/mth
    • Year 4
    • Board + 2.600% = 2.60%
    • $ 400/mth
    • Year 5
    • Board + 2.600% = 2.60%
    • $ 400/mth
    • Year 6+
    • Board + 2.600% = 2.60%
    • $ 400/mth


3.55% (First year)


$ 452 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

  • Free Conversion after 12months
  • Waiver of Penalty due to Sales (After 6months)
  • 2 Years Clawback Period
  • For Refinancing
  • Valuation Subsidy - Full
  • Fire Insurance - Free 1 Year

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.500% = 3.55%
    • $ 452/mth
    • Year 2
    • 3M SORA + 0.500% = 3.55%
    • $ 452/mth
    • Year 3
    • 3M SORA + 1.500% = 4.55%
    • $ 507/mth
    • Year 4
    • 3M SORA + 1.500% = 4.55%
    • $ 507/mth
    • Year 5
    • 3M SORA + 1.500% = 4.55%
    • $ 507/mth
    • Year 6+
    • 3M SORA + 1.500% = 4.55%
    • $ 507/mth


3.60% (First year)


$ 455 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

  • Free Conversion after 1 Year
  • Partial Payment Penalty Waiver up to 30% of Orig Loan Amount
  • Valuation Subsidy for Refinancing
  • $500k: $350
  • $1m: $500
  • Min Loan for SCB Priority Client: $1m

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.550% = 3.60%
    • $ 455/mth
    • Year 2
    • 3M SORA + 0.550% = 3.60%
    • $ 455/mth
    • Year 3
    • 3M SORA + 0.650% = 3.70%
    • $ 460/mth
    • Year 4
    • 3M SORA + 1.000% = 4.05%
    • $ 479/mth
    • Year 5
    • 3M SORA + 1.000% = 4.05%
    • $ 479/mth
    • Year 6+
    • 3M SORA + 1.000% = 4.05%
    • $ 479/mth


3.65% (First year)


$ 458 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

  • Free Conversion after 1 Year
  • Partial Payment Penalty Waiver up to 30% of Orig Loan Amount
  • Valuation Subsidy for Refinancing
  • $500k: $350
  • $1m: $500
  • Min Loan for SCB Priority Client: $800k

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.600% = 3.65%
    • $ 458/mth
    • Year 2
    • 3M SORA + 0.600% = 3.65%
    • $ 458/mth
    • Year 3
    • 3M SORA + 0.650% = 3.70%
    • $ 460/mth
    • Year 4
    • 3M SORA + 1.000% = 4.05%
    • $ 479/mth
    • Year 5
    • 3M SORA + 1.000% = 4.05%
    • $ 479/mth
    • Year 6+
    • 3M SORA + 1.000% = 4.05%
    • $ 479/mth


3.70% (First year)


$ 461 (First year)


No Lock-in Lock-in Period
3M SORA Rate Type

FEATURES

  • 1 X Free Conversion after 1st disbursement
  • Valuation Subsidy for Refinancing
  • $500k: $350
  • $1m: $500
  • Min Loan for SCB Priority Client: $800k

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.650% = 3.70%
    • $ 461/mth
    • Year 2
    • 3M SORA + 0.650% = 3.70%
    • $ 461/mth
    • Year 3
    • 3M SORA + 0.650% = 3.70%
    • $ 461/mth
    • Year 4
    • 3M SORA + 1.000% = 4.05%
    • $ 479/mth
    • Year 5
    • 3M SORA + 1.000% = 4.05%
    • $ 479/mth
    • Year 6+
    • 3M SORA + 1.000% = 4.05%
    • $ 479/mth


3.70% (First year)


$ 461 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

  • 1 x Free Conversion anytime
  • Waiver of Penalty Due to Sale after 12months

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.650% = 3.70%
    • $ 461/mth
    • Year 2
    • 3M SORA + 0.650% = 3.70%
    • $ 461/mth
    • Year 3
    • 3M SORA + 0.750% = 3.80%
    • $ 466/mth
    • Year 4
    • 3M SORA + 1.350% = 4.40%
    • $ 498/mth
    • Year 5
    • 3M SORA + 1.350% = 4.40%
    • $ 498/mth
    • Year 6+
    • 3M SORA + 1.350% = 4.40%
    • $ 498/mth


3.73% (First year)


$ 462 (First year)


3 years Lock-in Period
Board Rate Type

FEATURES

  • For Owners Occupation

RATES AND PAYMENTS

    • Year 1
    • Board + 3.730% = 3.73%
    • $ 462/mth
    • Year 2
    • Board + 3.930% = 3.93%
    • $ 473/mth
    • Year 3
    • Board + 4.330% = 4.33%
    • $ 495/mth
    • Year 4
    • Board + 5.500% = 5.50%
    • $ 560/mth
    • Year 5
    • Board + 5.500% = 5.50%
    • $ 560/mth
    • Year 6+
    • Board + 5.500% = 5.50%
    • $ 560/mth


3.73% (First year)


$ 462 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • For Owners Occupation

RATES AND PAYMENTS

    • Year 1
    • Board + 3.730% = 3.73%
    • $ 462/mth
    • Year 2
    • Board + 4.030% = 4.03%
    • $ 479/mth
    • Year 3
    • Board + 5.500% = 5.50%
    • $ 563/mth
    • Year 4
    • Board + 5.500% = 5.50%
    • $ 563/mth
    • Year 5
    • Board + 5.500% = 5.50%
    • $ 563/mth
    • Year 6+
    • Board + 5.500% = 5.50%
    • $ 563/mth


3.75% (First year)


$ 463 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • No Valuation Required for Refinancing
  • Interest Commence 3month from Date of LO or 1st Disbursement

RATES AND PAYMENTS

    • Year 1
    • Board + 3.750% = 3.75%
    • $ 463/mth
    • Year 2
    • Board + 3.750% = 3.75%
    • $ 463/mth
    • Year 3
    • Board + 3.750% = 3.75%
    • $ 463/mth
    • Year 4
    • Board + 3.750% = 3.75%
    • $ 463/mth
    • Year 5
    • Board + 3.750% = 3.75%
    • $ 463/mth
    • Year 6+
    • Board + 3.750% = 3.75%
    • $ 463/mth


3.75% (First year)


$ 463 (First year)


No Lock-in Lock-in Period
3M SORA Rate Type

FEATURES

  • - 1 time free conversion within 6month from T.O.P
  • - No valuation report required.

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.700% = 3.75%
    • $ 463/mth
    • Year 2
    • 3M SORA + 0.700% = 3.75%
    • $ 463/mth
    • Year 3
    • 3M SORA + 0.700% = 3.75%
    • $ 463/mth
    • Year 4
    • 3M SORA + 0.700% = 3.75%
    • $ 463/mth
    • Year 5
    • 3M SORA + 1.000% = 4.05%
    • $ 479/mth
    • Year 6+
    • 3M SORA + 1.000% = 4.05%
    • $ 479/mth


3.75% (First year)


$ 463 (First year)


No Lock-in Lock-in Period
3M SORA Rate Type

FEATURES

  • 1 x Free Conversion after 1st Disbursement
  • 1 x Free Conversion within 6mth from T.O.P
  • Waiver of Cancellation Due to Sale

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.700% = 3.75%
    • $ 463/mth
    • Year 2
    • 3M SORA + 0.700% = 3.75%
    • $ 463/mth
    • Year 3
    • 3M SORA + 0.700% = 3.75%
    • $ 463/mth
    • Year 4
    • 3M SORA + 0.800% = 3.85%
    • $ 469/mth
    • Year 5
    • 3M SORA + 0.800% = 3.85%
    • $ 469/mth
    • Year 6+
    • 3M SORA + 0.800% = 3.85%
    • $ 469/mth


3.75% (First year)


$ 463 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

  • Free Conversion after 1 Year
  • Partial Payment Penalty Waiver up to 30% of Orig Loan Amount
  • Valuation Subsidy for Refinancing
  • $500k: $350
  • $1m: $500
  • Min Loan for SCB Priority Client: $300k

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.700% = 3.75%
    • $ 463/mth
    • Year 2
    • 3M SORA + 0.700% = 3.75%
    • $ 463/mth
    • Year 3
    • 3M SORA + 0.800% = 3.85%
    • $ 469/mth
    • Year 4
    • 3M SORA + 1.000% = 4.05%
    • $ 479/mth
    • Year 5
    • 3M SORA + 1.000% = 4.05%
    • $ 479/mth
    • Year 6+
    • 3M SORA + 1.000% = 4.05%
    • $ 479/mth


3.75% (First year)


$ 463 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

  • 1 x Free Conversion anytime
  • Waiver of Penalty Due to Sale after 12months

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.700% = 3.75%
    • $ 463/mth
    • Year 2
    • 3M SORA + 0.700% = 3.75%
    • $ 463/mth
    • Year 3
    • 3M SORA + 0.800% = 3.85%
    • $ 469/mth
    • Year 4
    • 3M SORA + 1.350% = 4.40%
    • $ 498/mth
    • Year 5
    • 3M SORA + 1.350% = 4.40%
    • $ 498/mth
    • Year 6+
    • 3M SORA + 1.350% = 4.40%
    • $ 498/mth


3.80% (First year)


$ 466 (First year)


No Lock-in Lock-in Period
3M SORA Rate Type

FEATURES

  • 1 x Free Conversion after 1st Disbursement to within 6mth from T.O.P

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.750% = 3.80%
    • $ 466/mth
    • Year 2
    • 3M SORA + 0.750% = 3.80%
    • $ 466/mth
    • Year 3
    • 3M SORA + 0.750% = 3.80%
    • $ 466/mth
    • Year 4
    • 3M SORA + 1.000% = 4.05%
    • $ 479/mth
    • Year 5
    • 3M SORA + 1.000% = 4.05%
    • $ 479/mth
    • Year 6+
    • 3M SORA + 1.000% = 4.05%
    • $ 479/mth


3.80% (First year)


$ 466 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

  • 1 x Free Conversion Anytime
  • Partial Payment up to 30% of Original Loan amount during lock in
  • 50% Waiver of Penalty Due to Sale
  • (Loan Less Than $800k)
  • 100% Waiver of Penalty Due to Sale
  • (Loan More Than $800k)
  • Rates for GreenMark Buildings only

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.750% = 3.80%
    • $ 466/mth
    • Year 2
    • 3M SORA + 0.750% = 3.80%
    • $ 466/mth
    • Year 3
    • 3M SORA + 0.750% = 3.80%
    • $ 466/mth
    • Year 4
    • 3M SORA + 1.200% = 4.25%
    • $ 490/mth
    • Year 5
    • 3M SORA + 1.200% = 4.25%
    • $ 490/mth
    • Year 6+
    • 3M SORA + 1.200% = 4.25%
    • $ 490/mth


3.80% (First year)


$ 466 (First year)


No Lock-in Lock-in Period
3M SORA Rate Type

FEATURES

  • - 1 x Free within 6month from TOP
  • Rates for GreenMark Buildings only

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.750% = 3.80%
    • $ 466/mth
    • Year 2
    • 3M SORA + 0.750% = 3.80%
    • $ 466/mth
    • Year 3
    • 3M SORA + 0.750% = 3.80%
    • $ 466/mth
    • Year 4
    • 3M SORA + 1.200% = 4.25%
    • $ 490/mth
    • Year 5
    • 3M SORA + 1.200% = 4.25%
    • $ 490/mth
    • Year 6+
    • 3M SORA + 1.200% = 4.25%
    • $ 490/mth


3.80% (First year)


$ 466 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.750% = 3.80%
    • $ 466/mth
    • Year 2
    • 3M SORA + 0.750% = 3.80%
    • $ 466/mth
    • Year 3
    • 3M SORA + 0.750% = 3.80%
    • $ 466/mth
    • Year 4
    • 3M SORA + 1.250% = 4.30%
    • $ 493/mth
    • Year 5
    • 3M SORA + 1.250% = 4.30%
    • $ 493/mth
    • Year 6+
    • 3M SORA + 1.250% = 4.30%
    • $ 493/mth


3.80% (First year)


$ 466 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

  • 1 x Free Conversion after 12months

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.750% = 3.80%
    • $ 466/mth
    • Year 2
    • 3M SORA + 0.750% = 3.80%
    • $ 466/mth
    • Year 3
    • 3M SORA + 0.850% = 3.90%
    • $ 472/mth
    • Year 4
    • 3M SORA + 1.100% = 4.15%
    • $ 485/mth
    • Year 5
    • 3M SORA + 1.100% = 4.15%
    • $ 485/mth
    • Year 6+
    • 3M SORA + 1.100% = 4.15%
    • $ 485/mth


3.83% (First year)


$ 468 (First year)


3 years Lock-in Period
Board Rate Type

FEATURES

  • Owners Occupation

RATES AND PAYMENTS

    • Year 1
    • Board + 3.830% = 3.83%
    • $ 468/mth
    • Year 2
    • Board + 4.030% = 4.03%
    • $ 479/mth
    • Year 3
    • Board + 4.430% = 4.43%
    • $ 501/mth
    • Year 4
    • Board + 5.500% = 5.50%
    • $ 561/mth
    • Year 5
    • Board + 5.500% = 5.50%
    • $ 561/mth
    • Year 6+
    • Board + 5.500% = 5.50%
    • $ 561/mth


3.83% (First year)


$ 468 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • Owners Occupation

RATES AND PAYMENTS

    • Year 1
    • Board + 3.830% = 3.83%
    • $ 468/mth
    • Year 2
    • Board + 4.030% = 4.03%
    • $ 479/mth
    • Year 3
    • Board + 5.500% = 5.50%
    • $ 563/mth
    • Year 4
    • Board + 5.500% = 5.50%
    • $ 563/mth
    • Year 5
    • Board + 5.500% = 5.50%
    • $ 563/mth
    • Year 6+
    • Board + 5.500% = 5.50%
    • $ 563/mth


3.85% (First year)


$ 469 (First year)


No Lock-in Lock-in Period
3M SORA Rate Type

FEATURES

  • 1 X Free Conversion after 1st disbursement
  • Valuation Subsidy for Refinancing
  • $500k: $350
  • $1m: $500
  • Min Loan for SCB Priority Client: $300k

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.800% = 3.85%
    • $ 469/mth
    • Year 2
    • 3M SORA + 0.800% = 3.85%
    • $ 469/mth
    • Year 3
    • 3M SORA + 0.800% = 3.85%
    • $ 469/mth
    • Year 4
    • 3M SORA + 1.000% = 4.05%
    • $ 480/mth
    • Year 5
    • 3M SORA + 1.000% = 4.05%
    • $ 480/mth
    • Year 6+
    • 3M SORA + 1.000% = 4.05%
    • $ 480/mth


3.85% (First year)


$ 469 (First year)


1 year Lock-in Period
3M SORA Rate Type

FEATURES

  • Free Conversion after Lock In
  • Partial Payment Penalty Waiver up to 50% of Loan Prepaid during Lock In

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.800% = 3.85%
    • $ 469/mth
    • Year 2
    • 3M SORA + 0.800% = 3.85%
    • $ 469/mth
    • Year 3
    • 3M SORA + 0.800% = 3.85%
    • $ 469/mth
    • Year 4
    • 3M SORA + 1.250% = 4.30%
    • $ 493/mth
    • Year 5
    • 3M SORA + 1.250% = 4.30%
    • $ 493/mth
    • Year 6+
    • 3M SORA + 1.250% = 4.30%
    • $ 493/mth


3.85% (First year)


$ 469 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

  • 1 x Free Conversion Anytime
  • Partial Payment up to 30% of Original Loan amount during lock in
  • 50% Waiver of Penalty Due to Sale
  • (Loan Less Than $800k)
  • 100% Waiver of Penalty Due to Sale
  • (Loan More Than $800k)

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.800% = 3.85%
    • $ 469/mth
    • Year 2
    • 3M SORA + 0.800% = 3.85%
    • $ 469/mth
    • Year 3
    • 3M SORA + 0.800% = 3.85%
    • $ 469/mth
    • Year 4
    • 3M SORA + 1.250% = 4.30%
    • $ 493/mth
    • Year 5
    • 3M SORA + 1.250% = 4.30%
    • $ 493/mth
    • Year 6+
    • 3M SORA + 1.250% = 4.30%
    • $ 493/mth


3.85% (First year)


$ 469 (First year)


No Lock-in Lock-in Period
3M SORA Rate Type

FEATURES

  • - 1 x Free within 6month from TOP

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.800% = 3.85%
    • $ 469/mth
    • Year 2
    • 3M SORA + 0.800% = 3.85%
    • $ 469/mth
    • Year 3
    • 3M SORA + 0.800% = 3.85%
    • $ 469/mth
    • Year 4
    • 3M SORA + 1.250% = 4.30%
    • $ 493/mth
    • Year 5
    • 3M SORA + 1.250% = 4.30%
    • $ 493/mth
    • Year 6+
    • 3M SORA + 1.250% = 4.30%
    • $ 493/mth


3.85% (First year)


$ 469 (First year)


No Lock-in Lock-in Period
3M SORA Rate Type

FEATURES

  • 1 x Free Conversion anytime
  • Waiver of Penalty Due to Sale after 12months

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.800% = 3.85%
    • $ 469/mth
    • Year 2
    • 3M SORA + 0.800% = 3.85%
    • $ 469/mth
    • Year 3
    • 3M SORA + 0.800% = 3.85%
    • $ 469/mth
    • Year 4
    • 3M SORA + 1.350% = 4.40%
    • $ 498/mth
    • Year 5
    • 3M SORA + 1.350% = 4.40%
    • $ 498/mth
    • Year 6+
    • 3M SORA + 1.350% = 4.40%
    • $ 498/mth


3.85% (First year)


$ 469 (First year)


No Lock-in Lock-in Period
3M SORA Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.800% = 3.85%
    • $ 469/mth
    • Year 2
    • 3M SORA + 0.800% = 3.85%
    • $ 469/mth
    • Year 3
    • 3M SORA + 0.850% = 3.90%
    • $ 472/mth
    • Year 4
    • 3M SORA + 0.950% = 4.00%
    • $ 477/mth
    • Year 5
    • 3M SORA + 1.100% = 4.15%
    • $ 485/mth
    • Year 6+
    • 3M SORA + 1.100% = 4.15%
    • $ 485/mth


3.85% (First year)


$ 469 (First year)


No Lock-in Lock-in Period
3M SORA Rate Type

FEATURES

  • 2 x Free Conversion ( 1 upon disbursement, 1 upon T.O.P )
  • Waiver of Cancellation Fee due to sale

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.800% = 3.85%
    • $ 469/mth
    • Year 2
    • 3M SORA + 0.850% = 3.90%
    • $ 472/mth
    • Year 3
    • 3M SORA + 1.000% = 4.05%
    • $ 480/mth
    • Year 4
    • 3M SORA + 1.000% = 4.05%
    • $ 480/mth
    • Year 5
    • 3M SORA + 1.000% = 4.05%
    • $ 480/mth
    • Year 6+
    • 3M SORA + 1.000% = 4.05%
    • $ 480/mth


3.85% (First year)


$ 469 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

  • Free Conversion after 12 month
  • Prepayment Penalty Waiver - Up to 50% of Original Loan Amount

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.800% = 3.85%
    • $ 469/mth
    • Year 2
    • 3M SORA + 0.850% = 3.90%
    • $ 472/mth
    • Year 3
    • 3M SORA + 1.000% = 4.05%
    • $ 480/mth
    • Year 4
    • 3M SORA + 1.000% = 4.05%
    • $ 480/mth
    • Year 5
    • 3M SORA + 1.000% = 4.05%
    • $ 480/mth
    • Year 6+
    • 3M SORA + 1.000% = 4.05%
    • $ 480/mth


3.85% (First year)


$ 469 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

  • Free Conversion after 12 month
  • Prepayment Penalty Waiver - Up to 50% of Original Loan Amount

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.800% = 3.85%
    • $ 469/mth
    • Year 2
    • 3M SORA + 0.850% = 3.90%
    • $ 472/mth
    • Year 3
    • 3M SORA + 1.000% = 4.05%
    • $ 480/mth
    • Year 4
    • 3M SORA + 1.000% = 4.05%
    • $ 480/mth
    • Year 5
    • 3M SORA + 1.000% = 4.05%
    • $ 480/mth
    • Year 6+
    • 3M SORA + 1.000% = 4.05%
    • $ 480/mth


3.88% (First year)


$ 471 (First year)


1 year Lock-in Period
Fixed Rate Type

FEATURES

  • Free Conversion after 1 Year
  • Valuation Subsidy for Refinancing
  • $1m: $500

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 3.88%
    • $ 471/mth
    • Year 2
    • 3M SORA + 1.000% = 4.05%
    • $ 480/mth
    • Year 3
    • 3M SORA + 1.000% = 4.05%
    • $ 480/mth
    • Year 4
    • 3M SORA + 1.000% = 4.05%
    • $ 480/mth
    • Year 5
    • 3M SORA + 1.000% = 4.05%
    • $ 480/mth
    • Year 6+
    • 3M SORA + 1.000% = 4.05%
    • $ 480/mth


3.90% (First year)


$ 472 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

  • 1 x Free Conversion Anytime
  • Partial Payment up to 30% of Original Loan amount during lock in
  • 50% Waiver of Penalty Due to Sale
  • (Loan Less Than $800k)
  • 100% Waiver of Penalty Due to Sale
  • (Loan More Than $800k)

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.850% = 3.90%
    • $ 472/mth
    • Year 2
    • 3M SORA + 0.850% = 3.90%
    • $ 472/mth
    • Year 3
    • 3M SORA + 0.850% = 3.90%
    • $ 472/mth
    • Year 4
    • 3M SORA + 1.250% = 4.30%
    • $ 493/mth
    • Year 5
    • 3M SORA + 1.250% = 4.30%
    • $ 493/mth
    • Year 6+
    • 3M SORA + 1.250% = 4.30%
    • $ 493/mth


3.90% (First year)


$ 472 (First year)


No Lock-in Lock-in Period
3M SORA Rate Type

FEATURES

  • - 1 x Free within 6month from TOP

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.850% = 3.90%
    • $ 472/mth
    • Year 2
    • 3M SORA + 0.850% = 3.90%
    • $ 472/mth
    • Year 3
    • 3M SORA + 0.850% = 3.90%
    • $ 472/mth
    • Year 4
    • 3M SORA + 1.250% = 4.30%
    • $ 493/mth
    • Year 5
    • 3M SORA + 1.250% = 4.30%
    • $ 493/mth
    • Year 6+
    • 3M SORA + 1.250% = 4.30%
    • $ 493/mth


3.93% (First year)


$ 473 (First year)


3 years Lock-in Period
Board Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Board + 3.930% = 3.93%
    • $ 473/mth
    • Year 2
    • Board + 4.030% = 4.03%
    • $ 479/mth
    • Year 3
    • Board + 4.230% = 4.23%
    • $ 490/mth
    • Year 4
    • Board + 5.500% = 5.50%
    • $ 561/mth
    • Year 5
    • Board + 5.500% = 5.50%
    • $ 561/mth
    • Year 6+
    • Board + 5.500% = 5.50%
    • $ 561/mth


3.93% (First year)


$ 473 (First year)


3 years Lock-in Period
Board Rate Type

FEATURES

  • For Owners Occupation

RATES AND PAYMENTS

    • Year 1
    • Board + 3.930% = 3.93%
    • $ 473/mth
    • Year 2
    • Board + 4.130% = 4.13%
    • $ 485/mth
    • Year 3
    • Board + 4.330% = 4.33%
    • $ 496/mth
    • Year 4
    • Board + 5.500% = 5.50%
    • $ 561/mth
    • Year 5
    • Board + 5.500% = 5.50%
    • $ 561/mth
    • Year 6+
    • Board + 5.500% = 5.50%
    • $ 561/mth


3.93% (First year)


$ 473 (First year)


3 years Lock-in Period
Board Rate Type

FEATURES

  • For Investment Purposes

RATES AND PAYMENTS

    • Year 1
    • Board + 3.930% = 3.93%
    • $ 473/mth
    • Year 2
    • Board + 4.130% = 4.13%
    • $ 485/mth
    • Year 3
    • Board + 4.730% = 4.73%
    • $ 518/mth
    • Year 4
    • Board + 5.500% = 5.50%
    • $ 562/mth
    • Year 5
    • Board + 5.500% = 5.50%
    • $ 562/mth
    • Year 6+
    • Board + 5.500% = 5.50%
    • $ 562/mth


3.93% (First year)


$ 473 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • For Investment Purposes

RATES AND PAYMENTS

    • Year 1
    • Board + 3.930% = 3.93%
    • $ 473/mth
    • Year 2
    • Board + 4.130% = 4.13%
    • $ 485/mth
    • Year 3
    • Board + 5.500% = 5.50%
    • $ 563/mth
    • Year 4
    • Board + 5.500% = 5.50%
    • $ 563/mth
    • Year 5
    • Board + 5.500% = 5.50%
    • $ 563/mth
    • Year 6+
    • Board + 5.500% = 5.50%
    • $ 563/mth


3.93% (First year)


$ 473 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Board + 3.930% = 3.93%
    • $ 473/mth
    • Year 2
    • Board + 4.130% = 4.13%
    • $ 485/mth
    • Year 3
    • Board + 5.500% = 5.50%
    • $ 563/mth
    • Year 4
    • Board + 5.500% = 5.50%
    • $ 563/mth
    • Year 5
    • Board + 5.500% = 5.50%
    • $ 563/mth
    • Year 6+
    • Board + 5.500% = 5.50%
    • $ 563/mth


3.93% (First year)


$ 473 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • For Owners Occupation

RATES AND PAYMENTS

    • Year 1
    • Board + 3.930% = 3.93%
    • $ 473/mth
    • Year 2
    • Board + 4.130% = 4.13%
    • $ 485/mth
    • Year 3
    • Board + 5.500% = 5.50%
    • $ 563/mth
    • Year 4
    • Board + 5.500% = 5.50%
    • $ 563/mth
    • Year 5
    • Board + 5.500% = 5.50%
    • $ 563/mth
    • Year 6+
    • Board + 5.500% = 5.50%
    • $ 563/mth


3.95% (First year)


$ 475 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • Interest Commence 3month from Date of LO or 1st Disbursement

RATES AND PAYMENTS

    • Year 1
    • Board + 3.950% = 3.95%
    • $ 475/mth
    • Year 2
    • Board + 3.950% = 3.95%
    • $ 475/mth
    • Year 3
    • Board + 3.950% = 3.95%
    • $ 475/mth
    • Year 4
    • Board + 3.950% = 3.95%
    • $ 475/mth
    • Year 5
    • Board + 3.950% = 3.95%
    • $ 475/mth
    • Year 6+
    • Board + 3.950% = 3.95%
    • $ 475/mth


3.95% (First year)


$ 475 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

  • Valuation Sub: $500 (Min $800k Loan)
  • Free Conversion after 6month from disbursement

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.900% = 3.95%
    • $ 475/mth
    • Year 2
    • 3M SORA + 0.900% = 3.95%
    • $ 475/mth
    • Year 3
    • 3M SORA + 1.300% = 4.35%
    • $ 497/mth
    • Year 4
    • 3M SORA + 1.300% = 4.35%
    • $ 497/mth
    • Year 5
    • 3M SORA + 1.300% = 4.35%
    • $ 497/mth
    • Year 6+
    • 3M SORA + 1.300% = 4.35%
    • $ 497/mth


3.98% (First year)


$ 476 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • Valuation Subsidy: Capped @ $500 + Gst
  • Processing Fee: $1,000

RATES AND PAYMENTS

    • Year 1
    • Board + 3.980% = 3.98%
    • $ 476/mth
    • Year 2
    • Board + 4.380% = 4.38%
    • $ 499/mth
    • Year 3
    • Board + 4.880% = 4.88%
    • $ 527/mth
    • Year 4
    • Board + 4.880% = 4.88%
    • $ 527/mth
    • Year 5
    • Board + 4.880% = 4.88%
    • $ 527/mth
    • Year 6+
    • Board + 4.880% = 4.88%
    • $ 527/mth


4.00% (First year)


$ 477 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Free Conversion after 2 Year
  • Valuation Subsidy for Refinancing
  • $1m: $500

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 4.00%
    • $ 477/mth
    • Year 2
    • Fixed Rate = 4.00%
    • $ 477/mth
    • Year 3
    • 3M SORA + 1.000% = 4.05%
    • $ 480/mth
    • Year 4
    • 3M SORA + 1.000% = 4.05%
    • $ 480/mth
    • Year 5
    • 3M SORA + 1.000% = 4.05%
    • $ 480/mth
    • Year 6+
    • 3M SORA + 1.000% = 4.05%
    • $ 480/mth


4.00% (First year)


$ 478 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

  • 1 x Free Conversion after 12months

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.950% = 4.00%
    • $ 478/mth
    • Year 2
    • 3M SORA + 0.950% = 4.00%
    • $ 478/mth
    • Year 3
    • 3M SORA + 0.950% = 4.00%
    • $ 478/mth
    • Year 4
    • 3M SORA + 1.100% = 4.15%
    • $ 486/mth
    • Year 5
    • 3M SORA + 1.100% = 4.15%
    • $ 486/mth
    • Year 6+
    • 3M SORA + 1.100% = 4.15%
    • $ 486/mth


4.00% (First year)


$ 478 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.950% = 4.00%
    • $ 478/mth
    • Year 2
    • 3M SORA + 0.950% = 4.00%
    • $ 478/mth
    • Year 3
    • 3M SORA + 1.200% = 4.25%
    • $ 491/mth
    • Year 4
    • 3M SORA + 1.250% = 4.30%
    • $ 494/mth
    • Year 5
    • 3M SORA + 1.250% = 4.30%
    • $ 494/mth
    • Year 6+
    • 3M SORA + 1.250% = 4.30%
    • $ 494/mth


4.03% (First year)


$ 479 (First year)


3 years Lock-in Period
Board Rate Type

FEATURES

  • Owners Occupation

RATES AND PAYMENTS

    • Year 1
    • Board + 4.030% = 4.03%
    • $ 479/mth
    • Year 2
    • Board + 4.230% = 4.23%
    • $ 490/mth
    • Year 3
    • Board + 4.430% = 4.43%
    • $ 502/mth
    • Year 4
    • Board + 5.500% = 5.50%
    • $ 562/mth
    • Year 5
    • Board + 5.500% = 5.50%
    • $ 562/mth
    • Year 6+
    • Board + 5.500% = 5.50%
    • $ 562/mth


4.03% (First year)


$ 479 (First year)


3 years Lock-in Period
Board Rate Type

FEATURES

  • Investment Purpose

RATES AND PAYMENTS

    • Year 1
    • Board + 4.030% = 4.03%
    • $ 479/mth
    • Year 2
    • Board + 4.230% = 4.23%
    • $ 490/mth
    • Year 3
    • Board + 4.630% = 4.63%
    • $ 513/mth
    • Year 4
    • Board + 5.500% = 5.50%
    • $ 562/mth
    • Year 5
    • Board + 5.500% = 5.50%
    • $ 562/mth
    • Year 6+
    • Board + 5.500% = 5.50%
    • $ 562/mth


4.03% (First year)


$ 479 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • Investment Purpose

RATES AND PAYMENTS

    • Year 1
    • Board + 4.030% = 4.03%
    • $ 479/mth
    • Year 2
    • Board + 4.230% = 4.23%
    • $ 490/mth
    • Year 3
    • Board + 5.500% = 5.50%
    • $ 563/mth
    • Year 4
    • Board + 5.500% = 5.50%
    • $ 563/mth
    • Year 5
    • Board + 5.500% = 5.50%
    • $ 563/mth
    • Year 6+
    • Board + 5.500% = 5.50%
    • $ 563/mth


4.03% (First year)


$ 479 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • Owners Occupation

RATES AND PAYMENTS

    • Year 1
    • Board + 4.030% = 4.03%
    • $ 479/mth
    • Year 2
    • Board + 4.230% = 4.23%
    • $ 490/mth
    • Year 3
    • Board + 5.500% = 5.50%
    • $ 563/mth
    • Year 4
    • Board + 5.500% = 5.50%
    • $ 563/mth
    • Year 5
    • Board + 5.500% = 5.50%
    • $ 563/mth
    • Year 6+
    • Board + 5.500% = 5.50%
    • $ 563/mth


4.05% (First year)


$ 481 (First year)


No Lock-in Lock-in Period
3M SORA Rate Type

FEATURES

  • 1 x Free Conversion within 6mth from T.O.P

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth
    • Year 2
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth
    • Year 3
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth
    • Year 4
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth
    • Year 5
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth
    • Year 6+
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth


4.05% (First year)


$ 481 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

  • Free Conversion after 1 Year
  • Valuation Subsidy for Refinancing
  • $500k: $350
  • $1m: $500

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth
    • Year 2
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth
    • Year 3
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth
    • Year 4
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth
    • Year 5
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth
    • Year 6+
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth


4.05% (First year)


$ 481 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth
    • Year 2
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth
    • Year 3
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth
    • Year 4
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth
    • Year 5
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth
    • Year 6+
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth


4.05% (First year)


$ 481 (First year)


No Lock-in Lock-in Period
3M SORA Rate Type

FEATURES

  • 1 X Free Conversion after 1st disbursement
  • Valuation Subsidy for Refinancing
  • $500k: $350
  • $1m: $500

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth
    • Year 2
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth
    • Year 3
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth
    • Year 4
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth
    • Year 5
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth
    • Year 6+
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth


4.05% (First year)


$ 481 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

  • Valuation Subsidy: $500
  • Processing Fee: $1,000

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth
    • Year 2
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth
    • Year 3
    • 3M SORA + 3.000% = 6.05%
    • $ 597/mth
    • Year 4
    • 3M SORA + 3.000% = 6.05%
    • $ 597/mth
    • Year 5
    • 3M SORA + 3.000% = 6.05%
    • $ 597/mth
    • Year 6+
    • 3M SORA + 3.000% = 6.05%
    • $ 597/mth


4.05% (First year)


$ 481 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

  • Valuation subsidy: Up to $500

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth
    • Year 2
    • 3M SORA + 1.080% = 4.13%
    • $ 485/mth
    • Year 3
    • 3M SORA + 1.680% = 4.73%
    • $ 519/mth
    • Year 4
    • 3M SORA + 1.680% = 4.73%
    • $ 519/mth
    • Year 5
    • 3M SORA + 1.680% = 4.73%
    • $ 519/mth
    • Year 6+
    • 3M SORA + 1.680% = 4.73%
    • $ 519/mth


4.08% (First year)


$ 482 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • Valuation Subsidy: Capped @ $500 + Gst
  • Processing Fee: $1,000

RATES AND PAYMENTS

    • Year 1
    • Board + 4.080% = 4.08%
    • $ 482/mth
    • Year 2
    • Board + 4.480% = 4.48%
    • $ 505/mth
    • Year 3
    • Board + 5.030% = 5.03%
    • $ 536/mth
    • Year 4
    • Board + 5.030% = 5.03%
    • $ 536/mth
    • Year 5
    • Board + 5.030% = 5.03%
    • $ 536/mth
    • Year 6+
    • Board + 5.030% = 5.03%
    • $ 536/mth


4.13% (First year)


$ 485 (First year)


3 years Lock-in Period
Board Rate Type

FEATURES

  • For Investment Purposes

RATES AND PAYMENTS

    • Year 1
    • Board + 4.130% = 4.13%
    • $ 485/mth
    • Year 2
    • Board + 4.230% = 4.23%
    • $ 491/mth
    • Year 3
    • Board + 4.730% = 4.73%
    • $ 519/mth
    • Year 4
    • Board + 5.500% = 5.50%
    • $ 562/mth
    • Year 5
    • Board + 5.500% = 5.50%
    • $ 562/mth
    • Year 6+
    • Board + 5.500% = 5.50%
    • $ 562/mth


4.13% (First year)


$ 485 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • For Investment Purposes

RATES AND PAYMENTS

    • Year 1
    • Board + 4.130% = 4.13%
    • $ 485/mth
    • Year 2
    • Board + 4.330% = 4.33%
    • $ 496/mth
    • Year 3
    • Board + 5.500% = 5.50%
    • $ 564/mth
    • Year 4
    • Board + 5.500% = 5.50%
    • $ 564/mth
    • Year 5
    • Board + 5.500% = 5.50%
    • $ 564/mth
    • Year 6+
    • Board + 5.500% = 5.50%
    • $ 564/mth


4.16% (First year)


$ 487 (First year)


2 years Lock-in Period
1M SORA Rate Type

FEATURES

  • 1 x Free Conversion Anytime
  • Partial Payment up to 30% of Original Loan amount during lock in
  • 50% Waiver of Penalty Due to Sale
  • (Loan Less Than $800k)
  • 100% Waiver of Penalty Due to Sale
  • (Loan More Than $800k)
  • Rates for GreenMark Buildings only

RATES AND PAYMENTS

    • Year 1
    • 1M SORA + 0.650% = 4.16%
    • $ 487/mth
    • Year 2
    • 1M SORA + 0.650% = 4.16%
    • $ 487/mth
    • Year 3
    • 1M SORA + 0.650% = 4.16%
    • $ 487/mth
    • Year 4
    • 1M SORA + 1.100% = 4.61%
    • $ 511/mth
    • Year 5
    • 1M SORA + 1.100% = 4.61%
    • $ 511/mth
    • Year 6+
    • 1M SORA + 1.100% = 4.61%
    • $ 511/mth


4.16% (First year)


$ 487 (First year)


No Lock-in Lock-in Period
1M SORA Rate Type

FEATURES

  • - 1 x Free within 6month from TOP
  • Rates for GreenMark Buildings only

RATES AND PAYMENTS

    • Year 1
    • 1M SORA + 0.650% = 4.16%
    • $ 487/mth
    • Year 2
    • 1M SORA + 0.650% = 4.16%
    • $ 487/mth
    • Year 3
    • 1M SORA + 0.650% = 4.16%
    • $ 487/mth
    • Year 4
    • 1M SORA + 1.100% = 4.61%
    • $ 511/mth
    • Year 5
    • 1M SORA + 1.100% = 4.61%
    • $ 511/mth
    • Year 6+
    • 1M SORA + 1.100% = 4.61%
    • $ 511/mth


4.20% (First year)


$ 489 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Perpetual Free Conversion after Lock In

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 4.20%
    • $ 489/mth
    • Year 2
    • Fixed Rate = 4.20%
    • $ 489/mth
    • Year 3
    • 1M SORA + 1.100% = 4.61%
    • $ 512/mth
    • Year 4
    • 1M SORA + 1.100% = 4.61%
    • $ 512/mth
    • Year 5
    • 1M SORA + 1.100% = 4.61%
    • $ 512/mth
    • Year 6+
    • 1M SORA + 1.100% = 4.61%
    • $ 512/mth


4.20% (First year)


$ 489 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

  • Partial Payment Penalty Waiver up to 50% of Original Loan Amount

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 1.150% = 4.20%
    • $ 489/mth
    • Year 2
    • 3M SORA + 1.150% = 4.20%
    • $ 489/mth
    • Year 3
    • 3M SORA + 1.400% = 4.45%
    • $ 503/mth
    • Year 4
    • 3M SORA + 1.400% = 4.45%
    • $ 503/mth
    • Year 5
    • 3M SORA + 1.400% = 4.45%
    • $ 503/mth
    • Year 6+
    • 3M SORA + 1.400% = 4.45%
    • $ 503/mth


4.21% (First year)


$ 490 (First year)


2 years Lock-in Period
1M SORA Rate Type

FEATURES

  • 1 x Free Conversion Anytime
  • Partial Payment up to 30% of Original Loan amount during lock in
  • 50% Waiver of Penalty Due to Sale
  • (Loan Less Than $800k)
  • 100% Waiver of Penalty Due to Sale
  • (Loan More Than $800k)

RATES AND PAYMENTS

    • Year 1
    • 1M SORA + 0.700% = 4.21%
    • $ 490/mth
    • Year 2
    • 1M SORA + 0.700% = 4.21%
    • $ 490/mth
    • Year 3
    • 1M SORA + 0.700% = 4.21%
    • $ 490/mth
    • Year 4
    • 1M SORA + 1.150% = 4.66%
    • $ 514/mth
    • Year 5
    • 1M SORA + 1.150% = 4.66%
    • $ 514/mth
    • Year 6+
    • 1M SORA + 1.150% = 4.66%
    • $ 514/mth


4.21% (First year)


$ 490 (First year)


No Lock-in Lock-in Period
1M SORA Rate Type

FEATURES

  • - 1 x Free within 6month from TOP

RATES AND PAYMENTS

    • Year 1
    • 1M SORA + 0.700% = 4.21%
    • $ 490/mth
    • Year 2
    • 1M SORA + 0.700% = 4.21%
    • $ 490/mth
    • Year 3
    • 1M SORA + 1.150% = 4.66%
    • $ 515/mth
    • Year 4
    • 1M SORA + 1.150% = 4.66%
    • $ 515/mth
    • Year 5
    • 1M SORA + 1.150% = 4.66%
    • $ 515/mth
    • Year 6+
    • 1M SORA + 1.150% = 4.66%
    • $ 515/mth


4.23% (First year)


$ 491 (First year)


3 years Lock-in Period
Board Rate Type

FEATURES

  • Investment Purpose

RATES AND PAYMENTS

    • Year 1
    • Board + 4.230% = 4.23%
    • $ 491/mth
    • Year 2
    • Board + 4.430% = 4.43%
    • $ 502/mth
    • Year 3
    • Board + 4.630% = 4.63%
    • $ 514/mth
    • Year 4
    • Board + 5.500% = 5.50%
    • $ 563/mth
    • Year 5
    • Board + 5.500% = 5.50%
    • $ 563/mth
    • Year 6+
    • Board + 5.500% = 5.50%
    • $ 563/mth


4.23% (First year)


$ 491 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • Investment Purpose

RATES AND PAYMENTS

    • Year 1
    • Board + 4.230% = 4.23%
    • $ 491/mth
    • Year 2
    • Board + 4.430% = 4.43%
    • $ 502/mth
    • Year 3
    • Board + 5.500% = 5.50%
    • $ 564/mth
    • Year 4
    • Board + 5.500% = 5.50%
    • $ 564/mth
    • Year 5
    • Board + 5.500% = 5.50%
    • $ 564/mth
    • Year 6+
    • Board + 5.500% = 5.50%
    • $ 564/mth


4.23% (First year)


$ 491 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

  • Facility Fee: $1,000
  • Refinancing Only
  • Valuation Subsidy $500

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 1.180% = 4.23%
    • $ 491/mth
    • Year 2
    • 3M SORA + 1.180% = 4.23%
    • $ 491/mth
    • Year 3
    • 3M SORA + 3.000% = 6.05%
    • $ 597/mth
    • Year 4
    • 3M SORA + 3.000% = 6.05%
    • $ 597/mth
    • Year 5
    • 3M SORA + 3.000% = 6.05%
    • $ 597/mth
    • Year 6+
    • 3M SORA + 3.000% = 6.05%
    • $ 597/mth


4.25% (First year)


$ 492 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • No Valuation Required for Refinancing
  • Interest Commence 3month from Date of LO or 1st Disbursement

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 4.25%
    • $ 492/mth
    • Year 2
    • Board + 3.750% = 3.75%
    • $ 464/mth
    • Year 3
    • Board + 3.750% = 3.75%
    • $ 464/mth
    • Year 4
    • Board + 3.750% = 3.75%
    • $ 464/mth
    • Year 5
    • Board + 3.750% = 3.75%
    • $ 464/mth
    • Year 6+
    • Board + 3.750% = 3.75%
    • $ 464/mth


4.25% (First year)


$ 492 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • No Valuation Required for Refinancing
  • Interest Commence 3month from Date of LO or 1st Disbursement

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 4.25%
    • $ 492/mth
    • Year 2
    • Fixed Rate = 4.25%
    • $ 492/mth
    • Year 3
    • Board + 3.750% = 3.75%
    • $ 465/mth
    • Year 4
    • Board + 3.750% = 3.75%
    • $ 465/mth
    • Year 5
    • Board + 3.750% = 3.75%
    • $ 465/mth
    • Year 6+
    • Board + 3.750% = 3.75%
    • $ 465/mth


4.25% (First year)


$ 492 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 4.25%
    • $ 492/mth
    • Year 2
    • Fixed Rate = 4.25%
    • $ 492/mth
    • Year 3
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth
    • Year 4
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth
    • Year 5
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth
    • Year 6+
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth


4.25% (First year)


$ 492 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 4.25%
    • $ 492/mth
    • Year 2
    • Fixed Rate = 4.25%
    • $ 492/mth
    • Year 3
    • Fixed Rate = 4.25%
    • $ 492/mth
    • Year 4
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth
    • Year 5
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth
    • Year 6+
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth


4.25% (First year)


$ 492 (First year)


4 years Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 4.25%
    • $ 492/mth
    • Year 2
    • Fixed Rate = 4.25%
    • $ 492/mth
    • Year 3
    • Fixed Rate = 4.25%
    • $ 492/mth
    • Year 4
    • Fixed Rate = 4.25%
    • $ 492/mth
    • Year 5
    • 3M SORA + 1.000% = 4.05%
    • $ 482/mth
    • Year 6+
    • 3M SORA + 1.000% = 4.05%
    • $ 482/mth


4.25% (First year)


$ 492 (First year)


5 years Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 4.25%
    • $ 492/mth
    • Year 2
    • Fixed Rate = 4.25%
    • $ 492/mth
    • Year 3
    • Fixed Rate = 4.25%
    • $ 492/mth
    • Year 4
    • Fixed Rate = 4.25%
    • $ 492/mth
    • Year 5
    • Fixed Rate = 4.25%
    • $ 492/mth
    • Year 6+
    • 3M SORA + 1.000% = 4.05%
    • $ 482/mth


4.25% (First year)


$ 492 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • 1 x Free Conversion after Lock In

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 4.25%
    • $ 492/mth
    • Year 2
    • Fixed Rate = 4.25%
    • $ 492/mth
    • Year 3
    • Fixed Rate = 4.25%
    • $ 492/mth
    • Year 4
    • 1M SORA + 1.150% = 4.66%
    • $ 514/mth
    • Year 5
    • 1M SORA + 1.150% = 4.66%
    • $ 514/mth
    • Year 6+
    • 1M SORA + 1.150% = 4.66%
    • $ 514/mth


4.25% (First year)


$ 492 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • 1 x Free Conversion after Lock In

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 4.25%
    • $ 492/mth
    • Year 2
    • Fixed Rate = 4.25%
    • $ 492/mth
    • Year 3
    • 1M SORA + 1.150% = 4.66%
    • $ 515/mth
    • Year 4
    • 1M SORA + 1.150% = 4.66%
    • $ 515/mth
    • Year 5
    • 1M SORA + 1.150% = 4.66%
    • $ 515/mth
    • Year 6+
    • 1M SORA + 1.150% = 4.66%
    • $ 515/mth


4.25% (First year)


$ 492 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 1.200% = 4.25%
    • $ 492/mth
    • Year 2
    • 3M SORA + 1.200% = 4.25%
    • $ 492/mth
    • Year 3
    • 3M SORA + 2.500% = 5.55%
    • $ 567/mth
    • Year 4
    • 3M SORA + 2.500% = 5.55%
    • $ 567/mth
    • Year 5
    • 3M SORA + 2.500% = 5.55%
    • $ 567/mth
    • Year 6+
    • 3M SORA + 2.500% = 5.55%
    • $ 567/mth


4.25% (First year)


$ 492 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

  • Valuation Subsidy: $500
  • Processing Fee: $1,000

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 1.200% = 4.25%
    • $ 492/mth
    • Year 2
    • 3M SORA + 1.200% = 4.25%
    • $ 492/mth
    • Year 3
    • 3M SORA + 3.000% = 6.05%
    • $ 597/mth
    • Year 4
    • 3M SORA + 3.000% = 6.05%
    • $ 597/mth
    • Year 5
    • 3M SORA + 3.000% = 6.05%
    • $ 597/mth
    • Year 6+
    • 3M SORA + 3.000% = 6.05%
    • $ 597/mth


4.25% (First year)


$ 492 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

  • Valuation subsidy: Up to $500

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 1.200% = 4.25%
    • $ 492/mth
    • Year 2
    • 3M SORA + 1.280% = 4.33%
    • $ 497/mth
    • Year 3
    • 3M SORA + 2.880% = 5.93%
    • $ 590/mth
    • Year 4
    • 3M SORA + 2.880% = 5.93%
    • $ 590/mth
    • Year 5
    • 3M SORA + 2.880% = 5.93%
    • $ 590/mth
    • Year 6+
    • 3M SORA + 2.880% = 5.93%
    • $ 590/mth


4.26% (First year)


$ 493 (First year)


2 years Lock-in Period
1M SORA Rate Type

FEATURES

  • 1 x Free Conversion Anytime
  • Partial Payment up to 30% of Original Loan amount during lock in
  • 50% Waiver of Penalty Due to Sale
  • (Loan Less Than $800k)
  • 100% Waiver of Penalty Due to Sale
  • (Loan More Than $800k)

RATES AND PAYMENTS

    • Year 1
    • 1M SORA + 0.750% = 4.26%
    • $ 493/mth
    • Year 2
    • 1M SORA + 0.750% = 4.26%
    • $ 493/mth
    • Year 3
    • 1M SORA + 0.750% = 4.26%
    • $ 493/mth
    • Year 4
    • 1M SORA + 1.150% = 4.66%
    • $ 514/mth
    • Year 5
    • 1M SORA + 1.150% = 4.66%
    • $ 514/mth
    • Year 6+
    • 1M SORA + 1.150% = 4.66%
    • $ 514/mth


4.26% (First year)


$ 493 (First year)


No Lock-in Lock-in Period
1M SORA Rate Type

FEATURES

  • - 1 x Free within 6month from TOP

RATES AND PAYMENTS

    • Year 1
    • 1M SORA + 0.750% = 4.26%
    • $ 493/mth
    • Year 2
    • 1M SORA + 0.750% = 4.26%
    • $ 493/mth
    • Year 3
    • 1M SORA + 0.750% = 4.26%
    • $ 493/mth
    • Year 4
    • 1M SORA + 1.150% = 4.66%
    • $ 514/mth
    • Year 5
    • 1M SORA + 1.150% = 4.66%
    • $ 514/mth
    • Year 6+
    • 1M SORA + 1.150% = 4.66%
    • $ 514/mth


4.30% (First year)


$ 495 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Free Conversion after Lock In

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 4.30%
    • $ 495/mth
    • Year 2
    • 3M SORA + 0.750% = 3.80%
    • $ 467/mth
    • Year 3
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth
    • Year 4
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth
    • Year 5
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth
    • Year 6+
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth


4.30% (First year)


$ 495 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Free Conversion after Lock In

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 4.30%
    • $ 495/mth
    • Year 2
    • 3M SORA + 0.750% = 3.80%
    • $ 467/mth
    • Year 3
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth
    • Year 4
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth
    • Year 5
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth
    • Year 6+
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth


4.30% (First year)


$ 495 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Free Conversion after Lock In

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 4.30%
    • $ 495/mth
    • Year 2
    • Fixed Rate = 4.30%
    • $ 495/mth
    • Year 3
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth
    • Year 4
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth
    • Year 5
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth
    • Year 6+
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth


4.30% (First year)


$ 495 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Free Conversion after Lock In

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 4.30%
    • $ 495/mth
    • Year 2
    • Fixed Rate = 4.30%
    • $ 495/mth
    • Year 3
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth
    • Year 4
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth
    • Year 5
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth
    • Year 6+
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth


4.30% (First year)


$ 495 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • 1 x Free Conversion after Lock In

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 4.30%
    • $ 495/mth
    • Year 2
    • Fixed Rate = 4.30%
    • $ 495/mth
    • Year 3
    • Fixed Rate = 4.30%
    • $ 495/mth
    • Year 4
    • 1M SORA + 1.150% = 4.66%
    • $ 515/mth
    • Year 5
    • 1M SORA + 1.150% = 4.66%
    • $ 515/mth
    • Year 6+
    • 1M SORA + 1.150% = 4.66%
    • $ 515/mth


4.30% (First year)


$ 495 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • 1 x Free Conversion after Lock In

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 4.30%
    • $ 495/mth
    • Year 2
    • Fixed Rate = 4.30%
    • $ 495/mth
    • Year 3
    • 1M SORA + 1.150% = 4.66%
    • $ 515/mth
    • Year 4
    • 1M SORA + 1.150% = 4.66%
    • $ 515/mth
    • Year 5
    • 1M SORA + 1.150% = 4.66%
    • $ 515/mth
    • Year 6+
    • 1M SORA + 1.150% = 4.66%
    • $ 515/mth


4.30% (First year)


$ 495 (First year)


3 years Lock-in Period
3M SORA Rate Type

FEATURES

  • 1 x Free Conversion after Lock In
  • Waiver of Penalty due to Sales
  • 2 Years Clawback Period
  • For Refinancing
  • Valuation Subsidy - Full
  • Fire Insurance - Free 1 Year

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 1.250% = 4.30%
    • $ 495/mth
    • Year 2
    • 3M SORA + 1.250% = 4.30%
    • $ 495/mth
    • Year 3
    • 3M SORA + 1.250% = 4.30%
    • $ 495/mth
    • Year 4
    • 3M SORA + 1.400% = 4.45%
    • $ 503/mth
    • Year 5
    • 3M SORA + 1.400% = 4.45%
    • $ 503/mth
    • Year 6+
    • 3M SORA + 1.400% = 4.45%
    • $ 503/mth


4.30% (First year)


$ 495 (First year)


3 years Lock-in Period
3M SORA Rate Type

FEATURES

  • Min $500k Loan
  • - Valuation Subsidy for Refinancing, $500

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 1.250% = 4.30%
    • $ 495/mth
    • Year 2
    • 3M SORA + 1.250% = 4.30%
    • $ 495/mth
    • Year 3
    • 3M SORA + 1.250% = 4.30%
    • $ 495/mth
    • Year 4
    • 3M SORA + 3.000% = 6.05%
    • $ 595/mth
    • Year 5
    • 3M SORA + 3.000% = 6.05%
    • $ 595/mth
    • Year 6+
    • 3M SORA + 3.000% = 6.05%
    • $ 595/mth


4.31% (First year)


$ 496 (First year)


1 year Lock-in Period
1M SORA Rate Type

FEATURES

  • Free Conversion after Lock In
  • Partial Payment Penalty Waiver up to 50% of Loan Prepaid during Lock In

RATES AND PAYMENTS

    • Year 1
    • 1M SORA + 0.800% = 4.31%
    • $ 496/mth
    • Year 2
    • 1M SORA + 0.800% = 4.31%
    • $ 496/mth
    • Year 3
    • 1M SORA + 1.750% = 5.26%
    • $ 550/mth
    • Year 4
    • 1M SORA + 1.750% = 5.26%
    • $ 550/mth
    • Year 5
    • 1M SORA + 1.750% = 5.26%
    • $ 550/mth
    • Year 6+
    • 1M SORA + 1.750% = 5.26%
    • $ 550/mth


4.31% (First year)


$ 496 (First year)


No Lock-in Lock-in Period
1M SORA Rate Type

FEATURES

  • - 1 time free conversion within 6month from T.O.P
  • - No valuation report required.

RATES AND PAYMENTS

    • Year 1
    • 1M SORA + 0.800% = 4.31%
    • $ 496/mth
    • Year 2
    • 1M SORA + 0.800% = 4.31%
    • $ 496/mth
    • Year 3
    • 1M SORA + 1.750% = 5.26%
    • $ 550/mth
    • Year 4
    • 1M SORA + 1.750% = 5.26%
    • $ 550/mth
    • Year 5
    • 1M SORA + 1.750% = 5.26%
    • $ 550/mth
    • Year 6+
    • 1M SORA + 1.750% = 5.26%
    • $ 550/mth


4.31% (First year)


$ 496 (First year)


2 years Lock-in Period
1M SORA Rate Type

FEATURES

  • Valuation Subsidy: Capped @ $500 + Gst
  • Processing Fee: $1,000

RATES AND PAYMENTS

    • Year 1
    • 1M SORA + 0.800% = 4.31%
    • $ 496/mth
    • Year 2
    • 1M SORA + 1.000% = 4.51%
    • $ 507/mth
    • Year 3
    • 1M SORA + 4.000% = 7.51%
    • $ 690/mth
    • Year 4
    • 1M SORA + 4.000% = 7.51%
    • $ 690/mth
    • Year 5
    • 1M SORA + 4.000% = 7.51%
    • $ 690/mth
    • Year 6+
    • 1M SORA + 4.000% = 7.51%
    • $ 690/mth


4.33% (First year)


$ 497 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

  • Facility Fee: $1,000
  • Refinancing Only
  • Valuation Subsidy $500

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 1.280% = 4.33%
    • $ 497/mth
    • Year 2
    • 3M SORA + 1.280% = 4.33%
    • $ 497/mth
    • Year 3
    • 3M SORA + 4.000% = 7.05%
    • $ 660/mth
    • Year 4
    • 3M SORA + 4.000% = 7.05%
    • $ 660/mth
    • Year 5
    • 3M SORA + 4.000% = 7.05%
    • $ 660/mth
    • Year 6+
    • 3M SORA + 4.000% = 7.05%
    • $ 660/mth


4.35% (First year)


$ 498 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

  • - Interest commence 3months from Letter of Offer
  • - Annual Fee: $100 - $200
  • - Processing Fee: $500 - $1,000

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 1.300% = 4.35%
    • $ 498/mth
    • Year 2
    • 3M SORA + 1.300% = 4.35%
    • $ 498/mth
    • Year 3
    • 3M SORA + 2.750% = 5.80%
    • $ 582/mth
    • Year 4
    • 3M SORA + 2.750% = 5.80%
    • $ 582/mth
    • Year 5
    • 3M SORA + 2.750% = 5.80%
    • $ 582/mth
    • Year 6+
    • 3M SORA + 2.750% = 5.80%
    • $ 582/mth


4.38% (First year)


$ 500 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Valuation subsidy: Up to $500

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 4.38%
    • $ 500/mth
    • Year 2
    • 3M SORA + 1.080% = 4.13%
    • $ 486/mth
    • Year 3
    • 3M SORA + 1.680% = 4.73%
    • $ 519/mth
    • Year 4
    • 3M SORA + 1.680% = 4.73%
    • $ 519/mth
    • Year 5
    • 3M SORA + 1.680% = 4.73%
    • $ 519/mth
    • Year 6+
    • 3M SORA + 1.680% = 4.73%
    • $ 519/mth


4.41% (First year)


$ 501 (First year)


2 years Lock-in Period
1M SORA Rate Type

FEATURES

  • Valuation Subsidy: Capped @ $500 + Gst
  • Processing Fee: $1,000

RATES AND PAYMENTS

    • Year 1
    • 1M SORA + 0.900% = 4.41%
    • $ 501/mth
    • Year 2
    • 1M SORA + 1.100% = 4.61%
    • $ 513/mth
    • Year 3
    • 1M SORA + 4.000% = 7.51%
    • $ 690/mth
    • Year 4
    • 1M SORA + 4.000% = 7.51%
    • $ 690/mth
    • Year 5
    • 1M SORA + 4.000% = 7.51%
    • $ 690/mth
    • Year 6+
    • 1M SORA + 4.000% = 7.51%
    • $ 690/mth


4.45% (First year)


$ 504 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Interest Commence 3month from Date of LO or 1st Disbursement

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 4.45%
    • $ 504/mth
    • Year 2
    • Board + 3.950% = 3.95%
    • $ 475/mth
    • Year 3
    • Board + 3.950% = 3.95%
    • $ 475/mth
    • Year 4
    • Board + 3.950% = 3.95%
    • $ 475/mth
    • Year 5
    • Board + 3.950% = 3.95%
    • $ 475/mth
    • Year 6+
    • Board + 3.950% = 3.95%
    • $ 475/mth


4.45% (First year)


$ 504 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Interest Commence 3month from Date of LO or 1st Disbursement

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 4.45%
    • $ 504/mth
    • Year 2
    • Fixed Rate = 4.45%
    • $ 504/mth
    • Year 3
    • Board + 3.950% = 3.95%
    • $ 476/mth
    • Year 4
    • Board + 3.950% = 3.95%
    • $ 476/mth
    • Year 5
    • Board + 3.950% = 3.95%
    • $ 476/mth
    • Year 6+
    • Board + 3.950% = 3.95%
    • $ 476/mth


4.45% (First year)


$ 504 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

  • 1 x Free Conversion after Lock In
  • Waiver of Penalty due to Sales
  • 2 Years Clawback Period
  • For Refinancing
  • Valuation Subsidy - Full
  • Fire Insurance - Free 1 Year

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 1.400% = 4.45%
    • $ 504/mth
    • Year 2
    • 3M SORA + 1.400% = 4.45%
    • $ 504/mth
    • Year 3
    • 3M SORA + 1.500% = 4.55%
    • $ 510/mth
    • Year 4
    • 3M SORA + 1.500% = 4.55%
    • $ 510/mth
    • Year 5
    • 3M SORA + 1.500% = 4.55%
    • $ 510/mth
    • Year 6+
    • 3M SORA + 1.500% = 4.55%
    • $ 510/mth


4.45% (First year)


$ 504 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

  • - Interest commence 3months from Letter of Offer
  • - Annual Fee: $100 - $200
  • - Processing Fee: $500 - $1,000

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 1.400% = 4.45%
    • $ 504/mth
    • Year 2
    • 3M SORA + 1.400% = 4.45%
    • $ 504/mth
    • Year 3
    • 3M SORA + 2.850% = 5.90%
    • $ 589/mth
    • Year 4
    • 3M SORA + 2.850% = 5.90%
    • $ 589/mth
    • Year 5
    • 3M SORA + 2.850% = 5.90%
    • $ 589/mth
    • Year 6+
    • 3M SORA + 2.850% = 5.90%
    • $ 589/mth


4.50% (First year)


$ 507 (First year)


1 year Lock-in Period
Fixed Rate Type

FEATURES

  • Free Conversion after 1 Year
  • Valuation Subsidy for Refinancing
  • $1m: $500

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 4.50%
    • $ 507/mth
    • Year 2
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth
    • Year 3
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth
    • Year 4
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth
    • Year 5
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth
    • Year 6+
    • 3M SORA + 1.000% = 4.05%
    • $ 481/mth


4.50% (First year)


$ 507 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Free Conversion after 2 Year
  • Valuation Subsidy for Refinancing
  • $1m: $500

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 4.50%
    • $ 507/mth
    • Year 2
    • Fixed Rate = 4.40%
    • $ 501/mth
    • Year 3
    • 3M SORA + 1.000% = 4.05%
    • $ 482/mth
    • Year 4
    • 3M SORA + 1.000% = 4.05%
    • $ 482/mth
    • Year 5
    • 3M SORA + 1.000% = 4.05%
    • $ 482/mth
    • Year 6+
    • 3M SORA + 1.000% = 4.05%
    • $ 482/mth


4.50% (First year)


$ 507 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

  • - Not applicable to JTC, Repricing, Equity loan & loan to non profit organisation

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 1.450% = 4.50%
    • $ 507/mth
    • Year 2
    • 3M SORA + 1.450% = 4.50%
    • $ 507/mth
    • Year 3
    • 3M SORA + 3.500% = 6.55%
    • $ 629/mth
    • Year 4
    • 3M SORA + 4.500% = 7.55%
    • $ 691/mth
    • Year 5
    • 3M SORA + 4.500% = 7.55%
    • $ 691/mth
    • Year 6+
    • 3M SORA + 4.500% = 7.55%
    • $ 691/mth


4.51% (First year)


$ 507 (First year)


2 years Lock-in Period
1M SORA Rate Type

FEATURES

  • - Not applicable to JTC, Repricing, Equity loan & loan to non profit organisation

RATES AND PAYMENTS

    • Year 1
    • 1M SORA + 1.000% = 4.51%
    • $ 507/mth
    • Year 2
    • 1M SORA + 1.000% = 4.51%
    • $ 507/mth
    • Year 3
    • 1M SORA + 3.000% = 6.51%
    • $ 626/mth
    • Year 4
    • 1M SORA + 4.000% = 7.51%
    • $ 689/mth
    • Year 5
    • 1M SORA + 4.000% = 7.51%
    • $ 689/mth
    • Year 6+
    • 1M SORA + 4.000% = 7.51%
    • $ 689/mth


4.55% (First year)


$ 510 (First year)


No Lock-in Lock-in Period
3M SORA Rate Type

FEATURES

  • 1 x Free Conversion after Anytime
  • 2 Years Clawback Period
  • For Refinancing
  • Valuation Subsidy - Full
  • Fire Insurance - Free 1 Year

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 1.500% = 4.55%
    • $ 510/mth
    • Year 2
    • 3M SORA + 1.500% = 4.55%
    • $ 510/mth
    • Year 3
    • 3M SORA + 1.500% = 4.55%
    • $ 510/mth
    • Year 4
    • 3M SORA + 1.500% = 4.55%
    • $ 510/mth
    • Year 5
    • 3M SORA + 1.500% = 4.55%
    • $ 510/mth
    • Year 6+
    • 3M SORA + 1.500% = 4.55%
    • $ 510/mth


4.58% (First year)


$ 511 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Valuation Subsidy: Capped @ $500 + Gst
  • Processing Fee: $1,000

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 4.58%
    • $ 511/mth
    • Year 2
    • Fixed Rate = 4.58%
    • $ 511/mth
    • Year 3
    • 1M SORA + 4.000% = 7.51%
    • $ 690/mth
    • Year 4
    • 1M SORA + 4.000% = 7.51%
    • $ 690/mth
    • Year 5
    • 1M SORA + 4.000% = 7.51%
    • $ 690/mth
    • Year 6+
    • 1M SORA + 4.000% = 7.51%
    • $ 690/mth


4.68% (First year)


$ 517 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Valuation subsidy: Up to $500

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 4.68%
    • $ 517/mth
    • Year 2
    • 3M SORA + 1.280% = 4.33%
    • $ 497/mth
    • Year 3
    • 3M SORA + 2.880% = 5.93%
    • $ 591/mth
    • Year 4
    • 3M SORA + 2.880% = 5.93%
    • $ 591/mth
    • Year 5
    • 3M SORA + 2.880% = 5.93%
    • $ 591/mth
    • Year 6+
    • 3M SORA + 2.880% = 5.93%
    • $ 591/mth


4.68% (First year)


$ 517 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Valuation Subsidy: Capped @ $500 + Gst
  • Processing Fee: $1,000

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 4.68%
    • $ 517/mth
    • Year 2
    • Fixed Rate = 4.68%
    • $ 517/mth
    • Year 3
    • 1M SORA + 4.000% = 7.51%
    • $ 691/mth
    • Year 4
    • 1M SORA + 4.000% = 7.51%
    • $ 691/mth
    • Year 5
    • 1M SORA + 4.000% = 7.51%
    • $ 691/mth
    • Year 6+
    • 1M SORA + 4.000% = 7.51%
    • $ 691/mth


4.71% (First year)


$ 519 (First year)


2 years Lock-in Period
1M SORA Rate Type

FEATURES

  • 1 x Free Conversion after Lock In

RATES AND PAYMENTS

    • Year 1
    • 1M SORA + 1.200% = 4.71%
    • $ 519/mth
    • Year 2
    • 1M SORA + 1.200% = 4.71%
    • $ 519/mth
    • Year 3
    • 1M SORA + 3.200% = 6.71%
    • $ 640/mth
    • Year 4
    • 1M SORA + 3.200% = 6.71%
    • $ 640/mth
    • Year 5
    • 1M SORA + 3.200% = 6.71%
    • $ 640/mth
    • Year 6+
    • 1M SORA + 3.200% = 6.71%
    • $ 640/mth


4.75% (First year)


$ 522 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • 1 x Free Conversion after Lock In
  • Waiver of Penalty due to Sales
  • 2 Years Clawback Period
  • For Refinancing
  • Valuation Subsidy - Full
  • Fire Insurance - Free 1 Year

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 4.75%
    • $ 522/mth
    • Year 2
    • Fixed Rate = 4.75%
    • $ 522/mth
    • Year 3
    • 3M SORA + 1.500% = 4.55%
    • $ 511/mth
    • Year 4
    • 3M SORA + 1.500% = 4.55%
    • $ 511/mth
    • Year 5
    • 3M SORA + 1.500% = 4.55%
    • $ 511/mth
    • Year 6+
    • 3M SORA + 1.500% = 4.55%
    • $ 511/mth


4.75% (First year)


$ 522 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • 1 x Free Conversion after Lock In
  • Waiver of Penalty due to Sales

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 4.75%
    • $ 522/mth
    • Year 2
    • Fixed Rate = 4.75%
    • $ 522/mth
    • Year 3
    • 3M SORA + 1.500% = 4.55%
    • $ 511/mth
    • Year 4
    • 3M SORA + 1.500% = 4.55%
    • $ 511/mth
    • Year 5
    • 3M SORA + 1.500% = 4.55%
    • $ 511/mth
    • Year 6+
    • 3M SORA + 1.500% = 4.55%
    • $ 511/mth


4.80% (First year)


$ 525 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

  • 2 Years Clawback Period
  • For Refinancing
  • Valuation Subsidy - Full
  • Fire Insurance - Free 1 Year