SIN that starts with a ‘9’

For those with a SIN that starts with a ‘9’ as you are not Canadian citizens nor permanent residents, a lender cannot assist with your application as a Canadian citizen or permanent resident.

You would need to apply as a non-resident which can dramatically change the mortgage application, for example many traditional lenders needing a minimum down payment of 35% of the price of the property for non-resident applicants.

Please let me know when applying if your SIN starts with a ‘9’.

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¹Prime rate may vary from lender to lender.

²Rates shown are only available for new first priority mortgages on already built, owner-occupied properties with amortization periods of 25 years or less, down payments of less than 20%, insured mortgages and are subject to meeting lender and mortgage insurer credit granting criteria.

Rates shown are not available for pre approvals, commercial properties, lots, agricultural properties, hobby farms, refinances, rental properties, uninsured mortgages, uninsurable mortgages, flex down mortgages, alternative lending and private mortgages.

All rates may change or be withdrawn at any time without notice.

Variable rates will change when the lender’s prime rate changes. In a variable if prime changes, your payment or amortization will change.

³Payments are approximate and are for illustration purchases only. Actual payment may vary.

Other terms and conditions may apply, please contact me for complete details.