Optimum Mortgage offers some of the lowest Alternative mortgage rates in the market and does not charge a premium for our fantastic BFS Complete program. Owner occupied rates starting as low as 5.09%!!

**We price according to the beacon score of the majority wager earner – we don’t average the beacons or pick the lower of the applicants scores**

**55/60 ratios for OO and Rentals – max 30 year amort**

BFS Complete Program Our BFS Complete program offers your self employed clients an alternative to providing tax documents. CWB provides mortgage financing up to 80% LTV for BFS clients using bank statements. No premiums charged for BFS program or extended ratios (55/60)

• Owner Occupied, 2nd homes, recreational & rental properties
• Debt Servicing ratios: 55% GDS/ 60% TDS
• Two years in business or related vocation
• Applicants Self Employed Attestation
• 6-12 months business bank statements (will accept personal bank statements for Sole Proprietors
• 1.5 million dollar max loan