Beyer Mortgage Services Inc. provides you with access to the national mortgage market and the largest pool of residential mortgage money in Canada. We have assembled Canada's leading mortgage lenders, with some of the most innovative and competitive mortgage products available today. Here are the financial institutions that you will access when arranging your mortgage through Beyer Mortgage Services Inc. B2B Trust/ Laurentian Bank of Canada Bank of Montreal Bridgewater Financial Services Canadian Home Income Plan Citizens Bank of Canada Coast Capital Savings Credit Union Co-operative Trust FirstLine Mortgages ING Direct First National Financial LP Gibraltar Mortgage Ltd Home Trust Company HSBC Bank Canada M.R.S. Trust Maple Trust MCAP Mortgage Corporation National Bank of Canada Peoples Trust Company Scotiabank TD Canada Trust XCEED Mortgage Corporation B2B Trust B2B Trust is a subsidiary of Laurentian Bank of Canada. With assets of over $15 billion, the Laurentian Bank is ranked seventh among Canadian chartered banks (Schedule I). The Bank has more than 3,200 employees and serves over a million clients through its 204 branches and 315 automated banking machines. Bank of Montreal Bank of Montreal, one of the largest banks in North America, is Canada's oldest bank. Since their founding in 1817, the Bank has grown to have $238 billion in assets, and over 32,000 employees in Canada, the United States and around the world. BMO is the only bank to offer a complete range of financial services in their chosen markets on both sides of the Canada-United States border. Bank of Montreal offers an innovative selection of mortgage products for your consideration, including a six year below-prime mortgage and an 18 year open mortgage. Bridgewater Bank In business since 1997, Bridgewater Bank has developed a reputation for specializing in competitive residential mortgage financing. With offices across Canada, Bridgewater understands the national markets and has the expertise to meet the demands of today's residential homebuyers. Lending in all provinces and territories with the exception of Quebec, Bridgewater has close to 12,000 individual customers and manages a portfolio of $1.6 billion. Bridgewater’s license to operate as a federally chartered bank in Canada was granted January 01, 2006. Planned enhancements under the new structure include introduction of fixed date deposits and other innovative banking products and services. Canadian Home Income Plan (CHIP) Canadian Home Income Plan was founded in 1986 to provide Canadian seniors with a program which would allow them to unlock the equity in their homes. As Canada's first and only reverse mortgage program, the introduction followed two years of research into similar successful programs available in the United Kingdom and the United States, and was tailored to the specific needs of retired Canadians. Canadian Home Income Plan is a privately held corporation which has arranged more than $275 million in Reverse Mortgages. The portfolio has an AAA credit rating, and CHIP is recognized as the Canadian authority in its field and a leader in the industry. The program is distributed through a network of in-house Consultants as well as through leading financial institutions and independent mortgage brokers. Citizens Bank of Canada Founded in 1997, Citizens Bank is a full-service electronic bank providing financial services through the Internet, and via telephone via their 24-hour call centre. Citizens Bank of Canada is the only bank in Canada with an Ethical Policy that publicly states its position on eight key social and environmental issues, and they are committed to seeing that policy in everything they do. Since its inception, Citizens Bank has consistently maintained the best posted rates of the big five banks. But what really sets Citizens apart from the competition in Canadian banking is the fact that they have taken their commitment to socially responsible business to heart. They have firmly and formally embedded that commitment in their corporate culture. Coast Capital Savings Credit Union Coast Capital Savings Credit Union is Canada's second largest credit union, the result of the merger of Pacific Coast Savings Credit Union and Richmond Savings Credit Union in 2000. Coast Capital Savings offers 13 branch locations across the Lower Mainland and 12 branches on the Island. As a credit union, they are owned by their members. Everything they do is aimed at meeting "the changing needs of their member owners in a manner that is beneficial to the membership as a whole." Coast Capital offers an innovative range of mortgage products for your consideration, including a 40 year amortization mortgage. Co-operative Trust Company Co-operative Trust Company of Canada is owned by Canada's credit union system. They offer competitive mortgage options designed for maximum flexibility. Their re-advanceable feature lets you take advantage of a lower cost funding alternative for those larger purchases or adventures in life. If you need temporary financial relief, Co-operative Trust offers a skip-a-payment option. Their Vision Mortgage provides a financing alternative for people who may not qualify for traditional mortgage products. Construction mortgages are also available. ING Direct ING Direct specializes in mortgages only. They provide a wide range of mortgage options and excellent rates with truly superior service. Even though they are owned by one of Canada's major banks -- National Bank of Canada -- ING Direct is very much aware that their business relies on meeting the needs of individual clients. Their friendly client service specialists are experienced mortgage professionals who strive every day to exceed your expectations. First National Financial LP First National Financial LP is a Canadian owned financial services company, with over $20 billion of assets under administration. They provide a full range of mortgage products to homeowners and real estate investors throughout Canada, and they originate, securitize and administer mortgages on behalf of some of Canada's largest Banks, Life, Trust, Pension and Mutual Fund Companies. First National specializes in mortgages only, with a commitment to be a leading provider of new and innovative mortgage products with some of the most competitive rates in the industry. You don't have to purchase other products or services to get a great rate on your mortgage. Their products are designed to be the most flexible and competitive in Canada, offering a full range of terms from 6 months to 10 years as well as the Maximizer Plus adjustable-rate mortgage. All mortgages are assumable, portable and can be increased if the need arises. FirstLine Mortgages FirstLine Mortgages, a subsidiary of CIBC, is known for innovative products with highly flexible features. One example is FirstLine's Loan Closer Mortgage which provides funds to pay legal fees up front. They also offer two excellent below-Prime mortgage products. Their Access Mortgage is a solution for self-employed people and others with non-standard credit. Their long-term mortgages lock today's low rates in for up to 10 years. Plus, most FirstLine mortgages offer several prepayment and payment frequency choices. Gibraltar Mortgage Ltd. Gibraltar Mortgage is a real estate lender specializing in short-term financing on projects including residential and commercial construction, acquisition and land development. Headquartered in Calgary since 1974, Gibraltar provides lending services from the provinces of Ontario west to British Columbia. For over 27 years, Gibraltar has been recognized for professionalism and creative solutions in real estate mortgage lending. Their clients have come to expect quick decisions, firm commitments and the market expertise required to put their interim financing in place. Home Trust Company Home Trust Company has developed a market niche by carefully and prudently lending to people who are purchasing and/or refinancing a home and have had difficulty in obtaining their financing from one of the major banks, life insurance or trust companies. Home Trust is a recognized leader as Canada's Leading Alternative Mortgage Lender. Typically, their customers fall into one of the following categories: small business and self-employed professionals, or business-for-self, where these individuals cannot prove their income to the extent required by major lenders; someone who is temporarily unemployed or has had a decrease in income; former credit difficulties that have since been resolved and are now in a position to service a mortgage debt, including discharged bankrupts; recent immigrants who have capital but do not have an earnings history to satisfy major lenders. HSBC Bank Canada HSBC Bank Canada, an indirectly-held, wholly-owned subsidiary of HSBC Holdings plc, has more than 160 offices. With over 6,500 offices in 78 countries and territories, the HSBC Group is one of the world's largest banking and financial services organizations. With these global resources, they can provide you with a full range of financial services, access to world markets and expertise in international banking. HSBC Canada offers a wide range of products and options so that you can confidently secure a mortgage that works for your individual budget. M.R.S. Trust M.R.S. Trust Company has specialized in residential and commercial mortgage lending for more than 10 years. Presently, MRS administers nearly $1 billion in Canadian mortgage loans and acts as the mortgage advisor to MacKenzie Mortgage Fund, which has more than $215 million in assets. Not everyone is comfortable haggling with their bank manager to obtain a lower rate on their mortgage. Their notoriety in the mortgage industry is built on their posted rates that are consistently lower than those offered by banks and other lending institutions. In addition MRS Trust offers a simple application process and flexible terms and policies. Maple Trust With over $1 billion in assets, Maple Trust is a growing national trust company focused on residential mortgage lending and deposit products. All Maple Trust mortgages are assumable and portable upon qualification and offer monthly, bi-weekly or weekly payment plans and are committed to competitive pricing in all of their lending relationships. In fact, they expanded their offerings by adding a new product that is "Better than a Variable Rate Mortgage" -- featuring a target rate that represents a discount to Bank Prime with both a flexible payment structure and clearly stated terms. In addition to offering CMHC insured and conventional mortgages, Maple Trust offers one of the most competitive interest rate reduction plans in the market as well as a 90-day interest rate guarantee and a very competitive 15 & 15 pre-payment plan. Maple Trust's core focus on mortgage lending means rate discounts are not dependent on other business being transferred. MCAP Mortgage Corporation MCAP is Canada's largest independent mortgage company. Its strategic alliance with Clarica (formerly Mutual Life) and Bank of Montreal assures total peace of mind. Unlike other financial institutions, MCAP deals only in mortgages, so its staff can offer specialized knowledge and assistance. MCAP offers innovative products and excellent rates. Their standout product, the adjustable VIP mortgage is an industry standard. And once you have your mortgage, MCAP's professional call centre staff is available for prompt assistance whenever you need it. National Bank of Canada Established in 1859, the National Bank of Canada is today the sixth largest chartered bank in Canada with assets of $69 billion. The National Bank's head offices are located in Montreal and its Canadian network boasts 655 branches. In all, more than 17,300 employees are responsible for the tradition of excellence that has come to characterize National Bank of Canada. National Bank offers many innovative products such as the adjustable-rate Money-Saver Mortgage and the Multi-Choice Mortgage. Peoples Trust Company Peoples Trust has become a very successful provider of financial services by combining price competitive products with truly exceptional customer service and support. The company has an active program in the single family area for those borrowers who wish to be unique and do not fit the market stereotype of the Canadian homeowner. Their specialty programs focus on situations where the borrower requires a more personal approach than that provided by the major institutions. This focus, together with a high level of customer service, has earned the company a solid reputation in this specialized niche. Scotiabank Scotiabank is one of North America's leading financial institutions, and Canada's most international bank. They provide innovative financial products and services to individuals, small and medium-size businesses, corporations and governments across Canada and around the world. Scotiabank offers special programs, attractive rates and everything else that goes well with a mortgage. Whether you are a first-time homebuyer, looking to upgrade, or acquire that cottage getaway, Scotiabank can accommodate your needs. One innovative product, the Scotia Total Equity Plan turns your mortgage into a valuable asset -- one that can give you more control over your borrowing, now and in the future. Whatever you decide, this plan will be custom built and managed by you. Once in place, you decide how and when you use your available credit. You get the advantage of secured borrowing rates to finance not only your house but other things too. You decide how and when. TD Canada Trust TD Canada Trust is Canada's second-largest bank in terms of market capitalization and had more than $295 billion in assets. It was formed in 1955 through the amalgamation of The Bank of Toronto and The Dominion Bank. In February, 2000, TD Bank completed its acquisition of CT Financial Services Inc. (Canada Trust), moving it from the fifth-largest Canadian bank to a market leader in Canada in most of its retail businesses. Headquartered in Toronto, Canada, with offices around the world and approximately 50,000 employees, TD Bank Financial Group consists of The Toronto-Dominion Bank and its subsidiaries. TD Bank Financial Group offers a full range of financial products and services to approximately 13 million customers worldwide. TD Canada Trust is a global leader in on-line financial services, and ranks as one of the top on-line financial services providers in the world with more than 3.7 million on-line customers. TD Canada Trust offers an excellent selection of user-friendly mortgages with competitive rates. Generous prepayment privileges and professional after-funding service are just a few of the highlights. XCEED Mortgage Corporation Xceed Mortgage Corporation is a subsidiary of Bank of Montreal. Xceed satisfies a market niche by lending to people who are purchasing and/or refinancing a home and have had difficulty in obtaining their financing from one of the major banks, life insurance or trust companies.