{"text_format":"1","workbook":"xlsx","n_sheets":5,"sheets":["Veil","Introduction","VRM & ARM","Agreement","FieldFinder"],"not_rendered":{"charts":0,"images":4,"macros":1,"external_links":1,"defined_names":6,"comments":2,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Veil","index":0,"n_rows":22,"n_cols":3,"rows_kept":22,"cut":false,"hidden":false,"merged":[]}
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[null,null,"If this sheet remains on your screen for more that a 30 seconds,"]
[null,null,"one of three known conditions likely exists."]
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[null,null,"1. an internet connection is not available"]
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[null,null,"2.  this copy is not registered for this computer."]
[null,null,"You can obtain subscription info by contacting"]
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[null,null,"3. you are registering a new Mortgage Mentor installation on a MAC"]
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{"sheet":"Introduction","index":1,"n_rows":30,"n_cols":5,"rows_kept":30,"cut":false,"hidden":true,"merged":[[2,1,2,5],[17,3,17,4],[6,2,6,3],[14,3,14,4],[15,3,15,4],[9,3,9,4],[22,1,23,5],[27,1,27,4],[4,3,4,4],[7,3,7,4],[11,3,11,4],[12,3,12,4]]}
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[null,"This tool is best used as an active spreadsheet using Microsoft Excel."]
[null,null,null,null,"Please read the attached \"Agreement\" before using this tool"]
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[null,null,"Comparison Tab"]
[null,null,null,"This comparison table has \"locked\" titles on both the top and left side.  This enables you to scroll throughout the spreadsheet without losing your reference titles."]
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[null,null,null,"Cells shaded like this one, indicate there are footnotes for this feature.  To automatically see the footnote on-screen, simply place your mouse pointer over that cell.  Try it here."]
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[null,null,null,"Products may be \"Filtered\" or short-listed to help you select the options that apply to your client."]
[null,null,null,"By criterion - to see the short list of the products that fit your clients: LTV, Beacon, income source, etc. simply click on the down arrow in the applicable title cell.  A drop down list of all the options  listed will appear.  Within that new drop-down list, click on the data that most closely fits your clients circumstances and a \"short-list\" of the matching lenders will be left for your review.  You can \"Filter\" on more than one title at a time.  For more details on using the the filter tool contact your RSM."]
[]
[null,null,null,"a \"-\" in a Cell/Box indicates that we have asked for the information and there is none that applies. "]
[null,null,null,"a blank Cell/Box or one marked \"Under Advisement\" indicates that the lender has not provided a definite answer yet."]
[]
[null,null,null,"With the exception of Home Trust and Van City, regional lenders have not been included in this tool.  If you have regional lenders in your market area, please forward the email address for their representative and we will add their information to a future"]
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[null,"Disclaimer"]
[null,"Information provided in this tool is that as supplied by the named lending institution prior to release of this version.  Product features, approval guidelines, and lender policies may change without prior written notice.  Current lender offerings should be confirmed by referring to the latest lender literature or contacting the lender directly prior to quoting: terms, conditions or rates to a client; and prior to submitting an application to the lender. This information is provided solely as a condensed version of market options. The user name and/or logo have been added at the request of the user for the purpose of consumer branding, not product ownership."]
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[null,"Developer:- MMI Mortgage Mentor Inc."]
[null,"Author:- R. A. (Rick) Robertson  AMP"]
[null,"Proprietary Property of R. A. Robertson"]
[null,{"$f":"'VRM & ARM'!B121:F121","v":"© Copyright 08/01/05 (revised through January 2022 )"}]
[]
[null,"Use without prior written permission of the Author is prohibited."]

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[null,"\"Building the best Broker tools\nsince the fax machine!\"\nnot updated after 05/31/2018",null,"© printing or copying this page or any portion of this page, in any way, without prior written permission of the author is prohibited ",null,null,null,null,null,null,{"$f":"REPT(\"Armand by MORTGAGE MENTOR     : : :    \",15)","v":"Armand by MORTGAGE MENTOR     : : :    Armand by MORTGAGE MENTOR     : : :    Armand by MORTGAGE MENTOR     : : :    Armand by MORTGAGE MENTOR     : : :    Armand by MORTGAGE MENTOR     : : :    Armand by MORTGAGE MENTOR     : : :    Armand by MORTGAGE MENTOR     : : :    Armand by MORTGAGE MENTOR     : : :    Armand by MORTGAGE MENTOR     : : :    Armand by MORTGAGE MENTOR     : : :    Armand by MORTGAGE MENTOR     : : :    Armand by MORTGAGE MENTOR     : : :    Armand by MORTGAGE MENTOR     : : :    Armand by MORTGAGE MENTOR     : : :    Armand by MORTGAGE MENTOR     : : :    "}]
[null,null,null,null,"PRODUCT SELECTION - Variable Rate",null,null,null,null,null,"( Fixed Rate )","( Debt Consolidation )","DEBT SERVICING",null,null,null,null,null,null,"RATE",null,null,null,null,null,null,"PAYMENT",null,null,null,null,"CLIENT OPTIONS",null,null,null,null,null,"GENERAL"]
[null,null,null,null,"Lending Area","LTV (%) Maximum","Beacon Minimum","Term (Yrs)","Loan Amount",null,"Purpose","Property Type","Insurable",null,"Un-Insurable",null,"Amortization",null,null,"Qualifying Rate",null,"Basic Rate","Compounding","Rate Cap","Rate Hold \nPeriod","Cash-Back","Initial Pmt. Based On","Ongoing Pmt. Based On","Payment Amount","Rate- Renewed","Payment Options","Convertible to a fixed term","Conversion Rate","Annual Prepayment (%)","Payment Increase Option (%)","Payout Interest Penalty","Fully Open After","Appraisal","Title Insurance","New to Canada","Portable","Assumable","Switch-In","Refinance","Finders Fee (bps)","Trailer Fees","Volume Bonus"]
[null,null,null,null,null,null,null,null,"Minimum","Maximum",null,null,"GDS %","TDS %","GDS %","TDS %","Insurable","Un-Insurable","Minimum","Insurable","Un-Insurable"]
[null,"Column Finder - click here."]
["B2B Bank","B2B Bank    ( Equity 50 )",null,{"$f":"VLOOKUP(A7,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",50,660,"3 or 5",50000,400000,"Purch, ReFi, ETO","O/O to 2 units"," -"," -"," -"," -"," -","30 / 35","Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Semi-annual","No","Spread 120 days","no","3 yr post.","\"Choice\"","\"Choice\"","With Prime","w,bw,m","Rem. of Term\n or longer","Best",15,15,"3 mo.","Term","Lender List","Always","No","Yes","On Qual","Yes","FCT Platinum","per Term","No","Yes"]
["B2B Bank","B2B Bank    ( Equity 65 )",null,{"$f":"VLOOKUP(A8,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",65,660,"3 or 5",50000,400000,"Purch, ReFi, ETO","O/O to 2 units"," -"," -"," -","50/65"," -","30 / 35","Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Semi-annual","No","Spread 120 days","no","3 yr post.","\"Choice\"","\"Choice\"","With Prime","w,bw,m","Rem. of Term\n or longer","Best",15,15,"3 mo.","Term","Lender List","Always","No","Yes","On Qual","Yes","FCT Platinum","per Term","No","Yes"]
["B2B Bank","B2B Bank    ( 3 yr Variable )",null,{"$f":"VLOOKUP(A9,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",95,600,3,75000,"$1,250,000 $2,000,000","Purch, ReFi, ETO,\n Purch & ReFi + Improv.","O/O to 4 units (Insured), to 2 units (Conventional), Second Home",39,44,"35/39","42/44",25,35,"Term","BoC Benchmark","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Semi-annual","No","Spread 120 days","no","3 yr post.","\"Choice\"","\"Choice\"","With Prime","w,bw,m","Rem. of 3yr\n or longer","Best",15,15,"3 mo.","3yr","Lender List","Always","No","Yes","On Qual","Yes","FCT Platinum",50,"No","Yes"]
["B2B Bank","B2B Bank    ( 5 yr Variable Un-Insurable)",null,{"$f":"VLOOKUP(A10,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",80,600,5,75000,"$750,000 $2,000,000","Purch, ReFi, ETO,\n Purch & ReFi + Improv.","O/O to 2 units"," -"," -","35/39","42/44"," -",35,"Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Semi-annual","No","Spread 120 days","no","3 yr post.","\"Choice\"","\"Choice\"","With Prime","w,bw,m","Rem. of 5yr\n or longer","Best",15,15,"3 mo.","5yr","Lender List","Always","No","Yes","On Qual","Yes","FCT Platinum",90,"No","Yes"]
["B2B Bank","B2B Bank    ( 5 yr Variable Insurable)",null,{"$f":"VLOOKUP(A11,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",95,600,5,75000,"$925,000 \nplus ins.","Purch, Purch + Improv.","O/O to 4 units (Insured), \nSecond Home",39,44," -"," -",25," -","Term","BoC Benchmark"," -","see lender's \nsheet or email","Semi-annual","No","Spread 120 days","no","3 yr post.","\"Choice\"","\"Choice\"","With Prime","w,bw,m","Rem. of 5yr\n or longer","Best",15,15,"3 mo.","5yr","Lender List","Always","No","Yes","On Qual","Yes","FCT Platinum",90,"No","Yes"]
["B2B Bank","B2B Bank     ( \"BFS Stated\" Variable )",null,{"$f":"VLOOKUP(A12,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",90,600,5,75000,750000,"Purch, ReFi, ETO,\n Purch & ReFi + Improv.","O/O to 2 units",39,44,"35/39","42/44",25,35,"Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Semi-annual","No","Spread 120 days","no","3 yr post.","\"Choice\"","\"Choice\"","With Prime","w,bw,m","Rem. of 5yr\n or longer","Best",15,15,"3 mo.","5yr","Lender List","Always","No","Yes","On Qual","No","FCT Platinum",70,"No","Yes"]
["B2B Bank","B2B Bank    ( Homeowners Kit 3yr )",null,{"$f":"VLOOKUP(A13,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",80,650,3,75000,750000,"Purch, ReFi, ETO,\n Purch & ReFi + Improv.","O/O to 2 units"," -"," -",32,40," -",35,"Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Semi-annual","No","Spread 120 days","no","3 yr post.","\"Choice\"","\"Choice\"","With Prime","w,bw,m","Rem. of Term\n or longer","Best",15,15,"3 mo.","3yr","Lender List","Always","No","Yes","On Qual","Yes","FCT Platinum",50,"No","Yes"]
["B2B Bank","B2B Bank    ( Homeowners Kit 5yr )",null,{"$f":"VLOOKUP(A14,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",80,650,5,75000,750000,"Purch, ReFi, ETO,\n Purch & ReFi + Improv.","O/O to 2 units"," -"," -",32,40," -",35,"Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Semi-annual","No","Spread 120 days","no","3 yr post.","\"Choice\"","\"Choice\"","With Prime","w,bw,m","Rem. of Term\n or longer","Best",15,15,"3 mo.","5yr","Lender List","Always","No","Yes","On Qual","Yes","FCT Platinum",50,"No","Yes"]
["Canadiana Financial","Canadiana      ( 5yr Insurable )",null,{"$f":"VLOOKUP(A15,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces exc. PQ",95,"620 / 660",5,75000,"$925,000 \nplus ins.","Purch, Plus Improv.","O/O to 4 units, Second Home","35/39","42/44"," -"," -",25," -","18 / 15","BoC Benchmark"," -","see lender's \nsheet or email","Semi-annual","No","Spread 90 days","no","Deal Rate","Prime & Adjustment","Changes","1st of Mo. foll. BoC","w,bw,sm,m","Rem. of 5yr","Disc.",20,"20\nMatch & Miss","3 mo.","5yr","any NAS/Solidifi approved","Req'd\n FCT","Yes","Yes","On Qual","Yes","Yes","95+ see \nrate sheet","Yes","Yes"]
["Canadiana Financial","Canadiana      ( 5yr Low Feature HR )",null,{"$f":"VLOOKUP(A16,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces exc. PQ",95,640,5,75000,"$925,000 \nplus ins.","Purch, Plus Improv.","O/O to 2 units","35/39","42/44"," -"," -",25," -","18 / 15","BoC Benchmark"," -","see lender's \nsheet or email","Semi-annual","No","Spread 90 days","no","Deal Rate","Prime & Adjustment","Changes","1st of Mo. foll. BoC","w,bw,sm,m","5yr SpendLESS","Disc.",20,"20\nMatch & Miss","Higher 3 mo.\n or 2.75%","5yr","any NAS/Solidifi approved","Req'd\n FCT","Yes","Yes","On Qual","Yes","Yes","95+ see \nrate sheet","Yes","Yes"]
["Canadiana Financial","Canadiana      ( 5yr Low Feature Conv )",null,{"$f":"VLOOKUP(A17,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces exc. PQ",80,680,5,75000,799999,"Purch, Plus Improv.","O/O to 2 units"," -"," -","35/39","42/44"," -","25 / 30","18 / 15"," -","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Semi-annual","No","Spread 90 days","no","Deal Rate","Prime & Adjustment","Changes","1st of Mo. foll. BoC","w,bw,sm,m","5yr SpendLESS","Disc.",20,"20\nMatch & Miss","Higher 3 mo.\n or 2.75%","5yr","any NAS/Solidifi approved","Req'd\n FCT","Yes","Yes","On Qual","Yes","Yes","95+ see \nrate sheet","Yes","Yes"]
["Canadiana Financial","Canadiana      ( 5yr Conventional )",null,{"$f":"VLOOKUP(A18,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces exc. PQ",80,650,5,100000,"$1,000,000+","Purch, Plus Improv., \nRefi, Refi Plus Improv, ETO","O/O to 4 units, Second Home, \nSmall Rentals"," -"," -"," -"," -"," -",30,"18 / 15"," -"," -","see lender's \nsheet or email","Semi-annual","No","Spread 60 days","no","Deal Rate","Prime & Adjustment","Changes","1st of Mo. foll. BoC","w,bw,sm,m","Rem. of 5yr","Disc.",20,"20\nMatch & Miss","3 mo.","5yr","any NAS/Solidifi approved","Req'd\n FCT","No","Yes","On Qual","Yes","Yes","105+10+5","Yes","Yes"]
["Canadiana Financial","Canadiana      ( 3 year to Nov 2020 )",null,{"$f":"VLOOKUP(A19,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces exc. PQ",95,650,3,75000,"$925,000 \nplus ins.","Purch, Plus Improv.","O/O to 4 units","35/39","42/44"," -"," -",25," -","18 / 15","BoC Benchmark"," -","see lender's \nsheet or email","Semi-annual","No","Spread 120 days","no","Deal Rate","Prime & Adjustment","Changes","1st of Mo. foll. BoC","w,bw,sm,m","Rem. of 5yr","Disc.",20,"20\nMatch & Miss","3 mo.","5yr","any NAS/Solidifi approved","Req'd\n FCT","Yes","Yes","On Qual","Yes","Yes","80+ see \nrate sheet","Yes","Yes"]
["Canadiana Financial","Canadiana      ( 5yr Blue Box Special )\n                         general guidelines",null,{"$f":"VLOOKUP(A20,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces exc. PQ",95,680,5,75000,"$925,000 \nplus ins.","Purch,\n(Switch by exception)","O/O to 2 units","35/39","42/44"," -"," -",25," -","18 / 15","BoC Benchmark"," -","see lender's \nsheet or email","Semi-annual","No","Spread 120 days","no","Deal Rate","Prime & Adjustment","Changes","1st of Mo. foll. BoC","w,bw,sm,m","Rem. of 5yr","Disc.",20,"20\nMatch & Miss","3 mo.","5yr","any NAS/Solidifi approved","Req'd\n FCT","No","Yes","On Qual","Yes","Yes","95+ see \nrate sheet","Yes","Yes"]
["CMLS","CMLS    ( 3yr ARM  Insurable )",null,{"$f":"VLOOKUP(A21,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"BC AB SK MB ON",95,600,3,50000,925000,"Purch, Purch Plus Improv.","O/O to 4 units, Second Home, \nSmall Rentals","35/39","42/44"," -"," -",25," -",10,"BoC Benchmark"," -","see lender's \nsheet or email","Monthly","No","Spread 120 days","no","Deal Rate","Prime & Adjustment","Changes","next Payment","w,bw,sm,m","Rem. of 3 yr","Disc.",20,20,"3 mo.","3yr","Auto-Valuation","Always","Yes","Yes","On Qual","Yes","Low Cost FCT","85 / 120","Yes","No"]
["CMLS","CMLS    ( 5yr ARM  High Ratio Insurable )\n                                                  Regular",null,{"$f":"VLOOKUP(A22,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"BC AB SK MB ON",95,600,5,50000,925000,"Purch, Purch Plus Improv.","O/O to 4 units, Second Home","35/39","42/44"," -"," -",25," -",10,"BoC Benchmark"," -","see lender's \nsheet or email","Monthly","No","Spread 120 days","no","Deal Rate","Prime & Adjustment","Changes","next Payment","w,bw,sm,m","Rem. of 5 yr","Disc.",20,20,"3 mo.","5yr","Auto-Valuation","Always","Yes","Yes","On Qual","Yes","Low Cost FCT","112 / 150","Yes","No"]
["CMLS","CMLS    ( 5yr ARM  High Ratio Insurable )\n                                             Quick Close",null,{"$f":"VLOOKUP(A23,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"BC AB SK MB ON",95,"640 / 720",5,50000,925000,"Purch, Purch Plus Improv.","O/O to 4 units, Second Home","35/39","42/44"," -"," -",25," -",10,"BoC Benchmark"," -","see lender's \nsheet or email","Monthly","No","Spread 90 days","no","Deal Rate","Prime & Adjustment","Changes","next Payment","w,bw,sm,m","Rem. of 5 yr","Disc.",20,20,"3 mo.","5yr","Auto-Valuation","Always","Yes","Yes","On Qual","Yes","Low Cost FCT","112 / 150","Yes","No"]
["CMLS","CMLS    ( 5yr ARM  Conv. Insurable )\n                                                 Regular",null,{"$f":"VLOOKUP(A24,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"BC AB SK MB ON",80,600,5,50000,750000,"Purch, Purch Plus Improv.","O/O to 4 units, Second Home, \nSmall Rentals 2-4 units","35/39","42/44"," -"," -",25," -",10,"BoC Benchmark"," -","see lender's \nsheet or email","Monthly","No","Spread 120 days","no","Deal Rate","Prime & Adjustment","Changes","next Payment","w,bw,sm,m","Rem. of 5 yr","Disc.",20,20,"3 mo.","5yr","Auto-Valuation","Always","Yes","Yes","On Qual","Yes","Low Cost FCT","112 / 150","Yes","No"]
["CMLS","CMLS    ( 5yr ARM  Conv. Insurable )\n                                            Quick Close",null,{"$f":"VLOOKUP(A25,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"BC AB SK MB ON",80,"640 / 720",5,50000,750000,"Purch, Purch Plus Improv.","O/O to 4 units, Second Home, \nSmall Rentals 2-4 units","35/39","42/44"," -"," -",25," -",10,"BoC Benchmark"," -","see lender's \nsheet or email","Monthly","No","Spread 90 days","no","Deal Rate","Prime & Adjustment","Changes","next Payment","w,bw,sm,m","Rem. of 5 yr","Disc.",20,20,"3 mo.","5yr","Auto-Valuation","Always","Yes","Yes","On Qual","Yes","Low Cost FCT","112 / 150","Yes","No"]
["CMLS","CMLS    ( 5yr ARM  Conv. Insurable )\n                                                Promo",null,{"$f":"VLOOKUP(A26,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"BC AB ON",75,680,5,50000,925000,"Purch, Purch Plus Improv.","O/O to 4 units \n(only use rent from 1 unit)","35/39","42/44"," -"," -",25," -",17,"BoC Benchmark"," -","see lender's \nsheet or email","Monthly","No","Sept 30th","no","Deal Rate","Prime & Adjustment","Changes","next Payment","w,bw,sm,m","Rem. of 5 yr","Disc.",20,20,"3 mo.","5yr","Auto-Valuation","Always","Yes","Yes","On Qual","Yes","Low Cost FCT","110 / 150","No","No"]
["CMLS","CMLS   ( 5yr ARM  Conv. Un-Insurable )",null,{"$f":"VLOOKUP(A27,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"BC ON",80,"680 / 720",5,50000,1000000,"Purch, ReFi, ETO","O/O to 4 units, Second Home, \nSmall Rentals 1-4 units"," -"," -","35/39","42/44"," -",30,10," -","BoC Benchmark","see lender's \nsheet or email","Monthly","No","Spread 120 days","no","Deal Rate","Prime & Adjustment","Changes","next Payment","w,bw,sm,m","Rem. of 5 yr","Disc.",20,20,"3 mo.","5yr","Lender List","Always","Yes","Yes","On Qual","Yes","Low Cost FCT","110 / 150","Yes","No"]
["Equitable Bank","Equitable Bank  ( 5 yr Variable - Atlantic )",null,{"$f":"VLOOKUP(A28,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"NB NL NS PEI",80,550,5,100000,"No Max","Purch, ReFi, ETO","O/O to 4 units"," -"," -",48,48," -","30 / 25"," -"," -","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Monthly","No","Spread 90 day","no","Deal Rate","Prime & Adjustment","Changes","Monthly","m","Rem. of 5 yr","Disc.",20,"n/a","3 mo.","5 yr","Lender List","Always","Yes","Yes","On Qual","No","Yes",110,"No","No"]
["Equitable Bank","Equitable Bank  ( 3 yr Variable - Ontario )",null,{"$f":"VLOOKUP(A29,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"ON",80,550,3,75000,"No Max","Purch, ReFi, ETO","O/O to 4 units"," -"," -",48,48," -","30 / 25"," -"," -","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Monthly","No","Spread 90 day","no","Deal Rate","Prime & Adjustment","Changes","Monthly","m","Rem. of 3 yr","Disc.",20,"n/a","3 mo.","3 yr","Lender List","Always","Yes","Yes","On Qual","No","Yes",80,"No","No"]
["Equitable Bank","Equitable Bank  ( 5 yr Variable - Ontario )",null,{"$f":"VLOOKUP(A30,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"ON",80,550,5,75000,"No Max","Purch, ReFi, ETO","O/O to 4 units"," -"," -",48,48," -","30 / 25"," -"," -","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Monthly","No","Spread 90 day","no","Deal Rate","Prime & Adjustment","Changes","Monthly","m","Rem. of 5 yr","Disc.",20,"n/a","3 mo.","5 yr","Lender List","Always","Yes","Yes","On Qual","No","Yes",110,"No","No"]
["Equitable Bank","Equitable Bank  ('5 yr 'A' Variable - West )",null,{"$f":"VLOOKUP(A31,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"BC AB SK MB",95,650,5,75000,"$925,000 \nplus ins.","Purch","O/O to 4 units, \nSmall Rental 2-4 units",39,44," -"," -",25," -"," -","higher of 5yr Benchmark or Deal Rate +2.00%"," -","see lender's \nsheet or email","Semi-annual","No","Spread 120 day","no","Deal Rate","Prime & Adjustment","Changes","Monthly","m","Rem. of 5 yr","Current",20,"n/a","3 mo.","5 yr","Lender List","Always","Yes","Yes","On Qual","No","Yes",110,"No","No"]
["Equitable Bank","Equitable Bank  \n      ( 3  & 5yr  Net Worth Variable - West )",null,{"$f":"VLOOKUP(A32,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"BC AB SK MB",65,550,"3 or 5",90000,"No Max","Purch, ReFi, ETO","O/O to 4 units"," -"," -",48,48," -","30 / 25"," -"," -","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Monthly","No","Spread 90 day","no","Deal Rate","Prime & Adjustment","Changes","Monthly","m","Rem. of 3 yr","Disc.",20,"n/a","3 mo.","3 yr","Lender List","Always","Yes","Yes","On Qual","No","Yes",80,"No","No"]
["Equitable Bank","Equitable Bank \n                   ( 3 & 5 yr 'B' Variable - West )",null,{"$f":"VLOOKUP(A33,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"BC AB SK MB",80,0,"3 or 5",90000,"No Max","Purch, ReFi, ETO","O/O to 4 units"," -"," -",48,48," -","30 / 25"," -"," -","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Monthly","No","Spread 90 day","no","Deal Rate","Prime & Adjustment","Changes","Monthly","m","Rem. of 5 yr","Disc.",20,"n/a","3 mo.","5 yr","Lender List","Always","Yes","Yes","On Qual","No","Yes",110,"No","No"]
["Equitable Bank","Equitable Bank  ( PATH Home Plan )\n                                    - Singe Advance",null,{"$f":"VLOOKUP(A34,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"BC AB ON",40,"considered",5,25000,400000,"Purchase, Refinance, ETO, \nCash Flow, Gifting","O/O max 4 Units,\n (Not on leased land)","Spl","Spl","Spl","Spl"," -"," -","n/a"," -","n/a","see lender's \nsheet or email","Monthly","No","Spread 90 day","Yes","Deal Rate","Prime & Adjustment","Changes","Monthly","Optional","Optional","Current","10 \nor more","10 \nor more","Timing dependent","10 yr","Lender List","Always","Yes","No","No","No","Yes",100,"No","No"]
["Equitable Bank","Equitable Bank   ( PATH Home Plan )\n                                    - Recurring Advances",null,{"$f":"VLOOKUP(A35,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"BC AB ON",40,"considered",5,25000,400000,"Purchase, Refinance, ETO, \nCash Flow, Gifting","O/O max 4 Units,\n (Not on leased land)","Spl","Spl","Spl","Spl"," -"," -","n/a"," -","n/a","see lender's \nsheet or email","Monthly","No","Spread 90 day","Yes","Deal Rate","Prime & Adjustment","Changes","Monthly","Optional","Optional","Current","10 \nor more","10 \nor more","Timing dependent","10 yr","Lender List","Always","Yes","No","No","No","Yes",100,"No","No"]
["First National Financial","First National  ( Maximizer  - Insurable)",null,{"$f":"VLOOKUP(A36,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",95,600,5,50000,"$925,000 \nplus ins.","Purch, Purch + Improv., Switch","O/O to 4 units, Second Home, \n(some leases)","35/39","42/44"," -"," -",25," -",10,"BoC Benchmark"," -","see lender's \nsheet or email","Semi-annual","No","Spread 120 days","no","Deal Rate","Prime & Adjustment","Changes","Monthly","w,bw,sm,m","Rem. of 5yr","Disc.",15,"Double-up","3 mo.","5yr","If requested","Always","Yes","Yes","On Qual","Yes","No",70,"No","Yes"]
["First National Financial","First National  ( Maximizer - Un-Insurable )",null,{"$f":"VLOOKUP(A37,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",80,600,5,50000,"No Max","Purch, ReFi, ETO, Switch","O/O to 4 units, Second Home, \nSmall Rental, (some leases)"," -"," -","35/39","42/44"," -",30,10," -","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Semi-annual","No","Spread 120 days","no","Deal Rate","Prime & Adjustment","Changes","Monthly","w,bw,sm,m","Rem. of 5yr","Disc.",15,"Double-up","3 mo.","5yr","If requested","Always","Yes","Yes","On Qual","Yes","Yes",70,"No","Yes"]
["First National Financial","First National  (9/21 insured ARM )",null,{"$f":"VLOOKUP(A38,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",95,600,"5 ish",50000,"$925,000 \nplus ins.","Purch, Purch + Improv., Switch","O/O to 4 units, Second Home","35/39","42/44"," -"," -",25," -",10,"BoC Benchmark"," -","see lender's \nsheet or email","Semi-annual","No","Spread 120 days","no","Deal Rate","Prime & Adjustment","Changes","Monthly","w,bw,sm,m","Rem. of 5yr","Disc.",15,"Double-up","3 mo.","5yr","If requested","Always","Yes","Yes","On Qual","Yes","No",70,"No","Yes"]
["CHIP","Home Equity Bank  ( C.H.I.P. )",null,{"$f":"VLOOKUP(A39,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":{"$error":"#N/A"}},"Provinces",55,"considered","several",25000,1250000,"Purchase, Refinance, ETO, \nCash Flow, Gifting","O/O, Second Home\n (Not on leased land)"," -"," -","Spl","Spl"," -"," -","n/a"," -"," -","see lender's \nsheet or email","Semi-annual","No","  -","Up to 55%","No Payment Req'd","No Payment Req'd","No Payment ","End of \"Term\"","Not Req'd","6 mo. or longer","Current","Open","n/a","3 mo.","3 yr","Lender List \nor NAS","Always Stewart","Yes","Yes","No","No","Yes","See Program","No","No"]
["CHIP","Home Equity Bank  ( Income Advantage )",null,{"$f":"VLOOKUP(A40,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":{"$error":"#N/A"}},"Provinces",40,630,"several",25000,1250000,"Purchase, Refinance, ETO, \nCash Flow, Gifting","O/O, Second Home\n (Not on leased land)"," -"," -","Spl","Spl"," -"," -","n/a"," -"," -","see lender's \nsheet or email","Semi-annual","No","  -","Up to 40%","No Payment Req'd","No Payment Req'd","No Payment ","End of \"Term\"","Not Req'd","1 yr or longer","Current","Open","n/a","3 mo.","3 yr","Lender List \nor NAS","Always Stewart","Yes","Yes","No","No","Yes","See Program","No","No"]
["Home Trust","Home Trust  ( 3 yr Variable Accelerator )",null,{"$f":"VLOOKUP(A41,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",95,640,3,50000,750000,"Purch, ReFi, ETO","O/O to 4 units, Second Home, \nSmall Rental",35,40,35,40,25,30,15,"higher of 5yr Benchmark or Deal Rate +2.00%","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Semi-annual","No","Spread 120 days","no","Deal Rate","Prime & Adjustment","Changes","Monthly","sm,m","3 or 5 yr","Disc.",20,20,"3 mo.","3yr","Lender List","Always\n+ E.Quake","Yes","Yes $500","On Qual","Yes","Yes",60,"No","No"]
["Home Trust","Home Trust  ( 5 yr Variable Accelerator )",null,{"$f":"VLOOKUP(A42,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",95,640,3,50000,"$925,000 \nplus ins.","Purch","O/O to 4 units, Second Home, \nSmall Rental",39,44," -"," -",25," -",15,"higher of 5yr Benchmark or Deal Rate +2.00%"," -","see lender's \nsheet or email","Semi-annual","No","Spread 120 days","no","Deal Rate","Prime & Adjustment","Changes","Monthly","sm,m","3 or 5 yr","Disc.",20,20,"3mo at RBC 1yr Posted","5yr","Lender List","Always\n+ E.Quake","Yes","Yes $500","On Qual","Yes","Yes",80,"No","No"]
["ICICI Bank","ICICI Bank  ( 3 yr Conventional )",null,{"$f":"VLOOKUP(A43,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"BC AB SK MB ON",80,620,3,30000,1000000,"Switch, Transfer","O/O to 4 units,\nSecond Home 2 units"," -"," -","35/39","42/44"," -",30,5,"higher of 5yr Benchmark or Deal Rate +2.00%","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Semi-annual","No","120 / 90","no","Deal Rate","Prime & Adjustment","Changes","With Prime","w,bw,sm,m","5yr","Best Renewal",20,20,"3 mo.","3yr","Only if req'd by insurer","ICICI pays","Yes","Yes","On Qual","Yes","Yes","See Program","No","No"]
["ICICI Bank","ICICI Bank  ( 3 yr Insurable )",null,{"$f":"VLOOKUP(A44,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"BC AB SK MB ON",95,600,3,50000,"$925,000 \nplus ins.","Purch, Purch Plus Improv.","O/O to 4 units,\nSecond Home 2 units","35/39","42/44"," -"," -",25," -",5,"higher of 5yr Benchmark or Deal Rate +2.00%"," -","see lender's \nsheet or email","Semi-annual","No","120 / 90","no","Deal Rate","Prime & Adjustment","Changes","With Prime","w,bw,sm,m","5yr","Best Renewal",20,20,"3 mo.","3yr","Only if req'd by insurer","ICICI pays","Yes","Yes","On Qual","Yes","No","See Program","No","No"]
["ICICI Bank","ICICI Bank  ( 5 yr Insurable )",null,{"$f":"VLOOKUP(A45,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"BC AB SK MB ON",95,600,5,50000,"$925,000 \nplus ins.","Purch, Purch Plus Improv.","O/O to 4 units,\nSecond Home 2 units","35/39","42/44"," -"," -",25," -",5,"higher of 5yr Benchmark or Deal Rate +2.00%"," -","see lender's \nsheet or email","Semi-annual","No","120 / 90","no","Deal Rate","Prime & Adjustment","Changes","With Prime","w,bw,sm,m","5yr","Best Renewal",20,20,"3 mo.","5yr","Only if req'd by insurer","ICICI pays","see NTC","Yes","On Qual","Yes","No","See Program","No","No"]
["ICICI Bank","ICICI Bank   ( 5 yr Un-Insurable )\n                                O/O, Family Plan, NTC",null,{"$f":"VLOOKUP(A46,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"BC AB SK MB ON",80,620,5,50000,1500000,"Purch, ReFi, ETO","O/O to 4 units"," -"," -","32/35","35/40/42"," -",30,5,"  -","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Semi-annual","No","120 / 90","no","Deal Rate","Prime & Adjustment","Changes","With Prime","w,bw,sm,m","5yr","Best Renewal",20,20,"3 mo.","5yr","Always","ICICI pays","Yes","Yes","On Qual","Yes","No","See Program","No","No"]
["ICICI Bank","ICICI Bank    ( 5 yr Un-Insurable )\n                             Second Home / Rental",null,{"$f":"VLOOKUP(A47,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"BC AB SK MB ON",80,610,5,50000,1500000,"Purch, ReFi, ETO","Second Home 2 units, \nSmall Rental 1-4 units"," -"," -","32/35","35/40/42"," -",30,5,"  -","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Semi-annual","No","120 / 90","no","Deal Rate","Prime & Adjustment","Changes","With Prime","w,bw,sm,m","5yr","Best Renewal",20,20,"3 mo.","5yr","Always","ICICI pays","No","Yes","On Qual","Yes","No","See Program","No","No"]
["Lendwise","Lendwise  \n      ( 3 yr ARM High Ratio matures Nov '20 )",null,{"$f":"VLOOKUP(A48,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces exc. PQ",95,620,"3+",75000,"$925,000 \nplus ins.","Purch, Purch + Improv. Switch","O/O to 4 units, Second Home 2 units, Mobiles","34/35/39","42/44"," -"," -",25," -","18 / 15","BoC Benchmark"," -","see lender's \nsheet or email","Monthly","No","Spread\n120/60 days","no","Deal Rate","Prime & Adjustment","Changes","next Payment","w,bw,sm,m","Rem. of 3yr","Market Rate",20,20,"3 mo.","3yr","Special Cases","Always","Yes","Yes","On Qual","Yes","No",85,"Yes","No"]
["Lendwise","Lendwise \n  ( 3 yr ARM Un-Insured matures Nov '20 )",null,{"$f":"VLOOKUP(A49,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces exc. PQ",80,620,"3+",75000,1000000,"Purch, Purch + Improv. Switch, ReFi, ETO","O/O to 4 units, Second Home 2 units, Small Rental 2-4 units, Mobiles"," -"," -","32/34","42/44"," -","25 / 30","18 / 15"," -","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Monthly","No","Spread\n120/60 days","no","Deal Rate","Prime & Adjustment","Changes","next Payment","w,bw,sm,m","Rem. of 3yr","Market Rate",20,20,"3 mo.","3yr","all AB Refinances Some other Cases","Always","Yes","Yes","On Qual","Yes","Yes",85,"Yes","No"]
["Lendwise","Lendwise  ( 5 yr ARM Insurable )",null,{"$f":"VLOOKUP(A50,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",95,620,5,75000,"$925,000 \nplus ins.","Purch, Purch + Improv. Switch","O/O to 4 units, Second Home, Mobiles","34/35/39","42/44"," -"," -",25," -",18,"BoC Benchmark"," -","see lender's \nsheet or email","Monthly","No","Spread 120 days","no","Deal Rate","Prime & Adjustment","Changes","next Payment","w,bw,sm,m","Rem. of 5yr","Market Rate",20,20,"3 mo.","5yr","Special Cases","Always","Yes","Yes","On Qual","Yes","No","See Program","Yes","No"]
["Lendwise","Lendwise  ( 5 yr ARM Un-Insured )",null,{"$f":"VLOOKUP(A51,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",80,660,5,75000,2000000,"Purch, Purch + Improv. Switch, ReFi, ETO","O/O to 4 units, Second Home 2 units, Mobiles"," -"," -","32/34","40/42"," -","25 / 30",18," -","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Monthly","No","Spread 120 days","no","Deal Rate","Prime & Adjustment","Changes","next Payment","w,bw,sm,m","Rem. of 5yr","Market Rate",20,20,"3 mo.","5yr","all AB Refinances Some other Cases","Always","Yes","Yes","On Qual","Yes","Yes","See Program","Yes","No"]
["Lendwise","Lendwise \n          ( 5yr ALT-A / Rental ARM Insurable )",null,{"$f":"VLOOKUP(A52,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",90,620,5,75000,"$925,000 \nplus ins.","Purch, Purch + Improv. Switch","O/O to 2 units, Small Rental 2-4 units","34/35/39","42/44"," -"," -",25," -","18 / 15","BoC Benchmark"," -","see lender's \nsheet or email","Monthly","No","Spread 120 days","no","Deal Rate","Prime & Adjustment","Changes","next Payment","w,bw,sm,m","Rem. of 5yr","Market Rate",20,20,"3 mo.","5yr","Special Cases","Always","No","Yes","On Qual","Yes","No","See Program","Yes","No"]
["Lendwise","Lendwise \n          ( 5 yr ALT-A / Rental ARM Un-Insured)",null,{"$f":"VLOOKUP(A53,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",80,640,5,75000,"No Max","Purch, ReFi, ETO,\n Purch + Improv.","O/O to 2 units, Small Rental"," -"," -","32/34","42/44"," -",30,"18 / 15","BoC Benchmark","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Monthly","No","Spread\n90 days","no","Deal Rate","Prime & Adjustment","Changes","next Payment","w,bw,sm,m","Rem. of 5yr","Market Rate",20,20,"3 mo.","5yr","all AB Refinances Some other Cases","Always","See Marian","Yes","On Qual","No","Free &\n Easy","Based on Volume","No","No"]
["Lendwise","Lendwise  ( 5 yr RPM ~ Insurable)",null,{"$f":"VLOOKUP(A54,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",95,620,5,75000,"$925,000 \nplus ins.","Purch","O/O to 4 units, Second Home, Mobiles","34/35/39","42/44"," -"," -",25," -",18,"BoC Benchmark","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Monthly","No","Spread 90 days","no","Deal Rate","Prime & Adjustment","Changes","next Payment","w,bw,sm,m","5yr only","Market Rate",20,20,"Higher 3 mo.\n or 2.75%","5yr","all AB Refinances Some other Cases","Always","No","Yes","On Qual","Yes","No","Full Comp","Yes","No"]
["Lendwise","Lendwise  ( 5 yr RPM  ALT-A / Rental )",null,{"$f":"VLOOKUP(A55,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces\nno ALT-A in AB",80,650,5,75000,"$925,000 \nplus ins.","Purch, Purch Plus Improv.","O/O to 2 units, Small Rental 2-4 units, Mobiles",39,44," -"," -",25," -",18,"BoC Benchmark","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Monthly","No","Spread 90 days","no","Deal Rate","Prime & Adjustment","Changes","next Payment","w,bw,sm,m","5yr only","Market Rate",20,20,"Higher 3 mo.\n or 2.75%","5yr","all AB Refinances Some other Cases","Always","Yes","Yes","On Qual","Yes","Yes","Full Comp","Yes","No"]
["Lendwise","Lendwise  ( 5 yr Easy Qualify )",null,{"$f":"VLOOKUP(A56,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces exc. PQ",95,620,5,75000,2000000,"Purch, ReFi, ETO,\n Purch + Improv. Switch","O/O to 4 units, Second Home 2 units, Small Rental 4 units",39,44,"32/34","40/42",25,"25 / 30","18 / 15","BoC Benchmark","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Monthly","No","Spread\n120/60 days","no","Deal Rate","Prime & Adjustment","Changes","next Payment","w,bw,sm,m","Rem. of 5yr","Market Rate",20,20,"3 mo.","5yr","all AB Refinances Some other Cases","Always","Yes","Yes","On Qual","Yes","Yes","See Program","Yes","No"]
["Lendwise","Lendwise  ( 5 yr RPM ~ Un-Insured )",null,{"$f":"VLOOKUP(A57,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces exc. PQ",80,620,5,75000,1000000,"Purch, ReFi, ETO","O/O to 4 units, Second Home"," -"," -","32/34","42/44",25,25,18,"BoC Benchmark","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Monthly","No","Spread 90 days","no","Deal Rate","Prime & Adjustment","Changes","next Payment","w,bw,sm,m","5yr only","Market Rate",20,20,"Higher 3 mo.\n or 2.75%","5yr","all AB Refinances Some other Cases","Always","No","Yes","On Qual","Yes","Yes","Full Comp","Yes","No"]
["Manulife","Manulife    ( 5 yr VRM Insurable)",null,{"$f":"VLOOKUP(A58,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces exc. PQ",95,650,5,"$25,000\n$100,000","$925,000\nplus ins.","Purch, Purch Plus Improv.","O/O to 4 units","35/39","42/44"," -"," -",25," -","longer of\n 5 or Term","BoC Benchmark"," -","see lender's \nsheet or email","Semi-annual","No","Spread 90 days","no","Deal Rate","Prime & Adjustment","Changes","next Payment","w,bw,sm,m","5yr only","Disc.",20,25,"3 mo.","3yr","case by case","Always","No","Yes","On Qual","Yes","No","See Program","Yes","No"]
["MCAP","MCAP  ( VIP - Value-Flex Insurable )",null,{"$f":"VLOOKUP(A59,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",95,600,5,50000,"$925,000 \nPlus Ins.","Purch, Purch Plus Improv., Transfer, Port","O/O to 4 units, \nSecond Home 1 unit",39,44," -"," -",25," -",5,"If >80%, higher BoC or Deal \nIf <80%, higher BoC or Deal+2%"," -","see lender's \nsheet or email","Semi-annual","No","Spread 90 days","no","Deal Rate","Prime & Adjustment","Changes","Monthly","w,bw,sm,m","Rem. of 5yr","Disc.",20,20,"3 mo.","5yr","Lender List","sometimes","No","Yes","On Qual","Yes","No",80,"No","Yes"]
["MCAP","MCAP  ( VIP - M-Power Insurable )",null,{"$f":"VLOOKUP(A60,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",95,600,5,50000,"$925,000 \nPlus Ins.","Purch, Purch Plus Improv.","O/O to 4 units, Second Home 2 units, Small Rental 2-4 units",39,44," -"," -",25," -",15,"If >80%, higher BoC or Deal \nIf <80%, higher BoC or Deal+2%"," -","see lender's \nsheet or email","Semi-annual","No","Spread 120 days","no","Deal Rate","Prime & Adjustment","Changes","With Prime","w,bw,sm,m","Rem. of 5yr","Disc.",20,20,"3 mo.","5yr","Lender List","sometimes","No","Yes","On Qual","Yes","No","to 115","No","Yes"]
["MCAP","MCAP  ( VIP - M-Power Un-Insurable )",null,{"$f":"VLOOKUP(A61,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",80,600,5,50000,1375000,"Purch, ReFi, ETO","O/O to 4 units, Second Home 2 units, Small Rental 1-4 units"," -"," -","35/40","42/44/49"," -",30,15," -","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Semi-annual","No","Spread 120 days","no","Deal Rate","Prime & Adjustment","Changes","With Prime","w,bw,sm,m","Rem. of 5yr","Disc.",20,20,"3 mo.","5yr","Lender List","sometimes","No","Yes","On Qual","Yes","12 day FCT","to 115","No","Yes"]
["MCAP","MCAP  ( VIP - FUSION Insurable )",null,{"$f":"VLOOKUP(A62,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"BC AB SK MB ON QC","80 / 65",650,5,50000,750000,"Purch, Purch Plus Improv.","O/O to 4 units, \nSecond Home to 1 unit",39,44," -"," -",25," -",5,"If >80%, higher BoC or Deal \nIf <80%, higher BoC or Deal+2%"," -","see lender's \nsheet or email","Semi-annual","No","Spread 120 days","no","Deal Rate","Prime & Adjustment","Changes","With Prime","w,bw,sm,m","Rem. of 5yr","Disc.",20,20,"3 mo.","5yr","Lender List","sometimes","No","Yes","On Qual","Yes","No","to 115","No","Yes"]
["MCAP","MCAP  ( VIP - FUSION Un-Insurable )",null,{"$f":"VLOOKUP(A63,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"BC AB SK MB ON QC","80 / 65",650,5,50000,750000,"Purch, Re-Fi, ETO, Reno's, Investing","O/O to 4 units, \nSecond Home to 1 unit"," -"," -",35,"42/44"," -",25,5," -","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Semi-annual","No","Spread 120 days","no","Deal Rate","Prime & Adjustment","Changes","With Prime","w,bw,sm,m","Rem. of 5yr","Disc.",20,20,"3 mo.","5yr","Lender List","sometimes","No","Yes","On Qual","Yes","No","to 115","No","Yes"]
["Merix Financial","Merix \n  ( 3 yr ARM Un-Insured matures Nov '20 )",null,{"$f":"VLOOKUP(A64,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",80,600,"3+",75000,1000000,"Purch, Purch + Improv. Switch, ReFi, ETO","O/O to 4 units, Second Home 2 units, Small Rental 2-4 units"," -"," -","32/35/39","42/44"," -","25 / 30","18 / 15"," -","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Monthly","No","Spread 90 days","no","Deal Rate","Prime & Adjustment","Changes","next Payment","w,bw,sm,m","Rem. of 3yr","Market Rate",20,20,"3 mo.","3yr","all AB Refinances Some other Cases","Always","Yes","Yes","On Qual","Yes","Yes",85,"Yes","No"]
["Merix Financial","Merix  \n      ( 3 yr ARM High Ratio matures Nov '20 )",null,{"$f":"VLOOKUP(A65,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",95,600,"3+",75000,"$925,000 \nplus ins.","Purch, Purch + Improv. Switch","O/O to 4 units, Second Home 2 units, Mobiles","34/35/39","42/44"," -"," -",25," -","18 / 15","BoC Benchmark"," -","see lender's \nsheet or email","Monthly","No","Spread 90 days","no","Deal Rate","Prime & Adjustment","Changes","next Payment","w,bw,sm,m","Rem. of 3yr","Market Rate",20,20,"3 mo.","3yr","Special Cases","Always","Yes","Yes","On Qual","Yes","No",85,"Yes","No"]
["Merix Financial","Merix  ( 5 yr RPM ~ Insurable)",null,{"$f":"VLOOKUP(A66,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",95,620,5,75000,"$925,000 \nplus ins.","Purch","O/O to 4 units, Second Home, Mobiles","34/35/39","42/44"," -"," -",25," -",18,"BoC Benchmark","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Monthly","No","Spread 90 days","no","Deal Rate","Prime & Adjustment","Changes","next Payment","w,bw,sm,m","5yr only","Market Rate",20,20,"Higher 3 mo.\n or 2.75%","5yr","all AB Refinances Some other Cases","Always","No","Yes","On Qual","Yes","No","Full Comp","Yes","No"]
["Merix Financial","Merix  ( 5 yr RPM  ALT-A or Rental )",null,{"$f":"VLOOKUP(A67,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces \nno ALT-A in AB",80,650,5,75000,"$925,000 \nplus ins.","Purch, Purch Plus Improv.","O/O to 2 units, Small Rental 2-4 units, Mobiles",39,44," -"," -",25," -",18,"BoC Benchmark","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Monthly","No","Spread 90 days","no","Deal Rate","Prime & Adjustment","Changes","next Payment","w,bw,sm,m","5yr only","Market Rate",20,20,"Higher 3 mo.\n or 2.75%","5yr","all AB Refinances Some other Cases","Always","Yes","Yes","On Qual","Yes","Yes","Full Comp","Yes","No"]
["Merix Financial","Merix  ( 5 yr ARM Insurable)",null,{"$f":"VLOOKUP(A68,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",95,620,5,75000,"$925,000 \nplus ins.","Purch, Purch + Improv. Switch","O/O to 4 units, Second Home, Mobiles","34/35/39","42/44"," -"," -",25," -",18,"BoC Benchmark"," -","see lender's \nsheet or email","Monthly","No","Spread 90 days","no","Deal Rate","Prime & Adjustment","Changes","next Payment","w,bw,sm,m","Rem. of 5yr","Market Rate",20,20,"3 mo.","5yr","Special Cases","Always","Yes","Yes","On Qual","Yes","No","See Program","Yes","No"]
["Merix Financial","Merix  ( 5 yr ARM Un-Insured)",null,{"$f":"VLOOKUP(A69,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",80,660,5,75000,2000000,"Purch, Purch + Improv. Switch, ReFi, ETO","O/O to 4 units, Second Home 2 units, Mobiles"," -"," -","32/34","40/42"," -","25 / 30",18," -","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Monthly","No","Spread 60 days","no","Deal Rate","Prime & Adjustment","Changes","next Payment","w,bw,sm,m","Rem. of 5yr","Market Rate",20,20,"3 mo.","5yr","all AB Refinances Some other Cases","Always","Yes","Yes","On Qual","Yes","Yes","See Program","Yes","No"]
["Merix Financial","Merix ( ALT-A / Rental 5yr ARM Insurable )",null,{"$f":"VLOOKUP(A70,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",90,620,5,75000,"$925,000 \nplus ins.","Purch, Purch + Improv. Switch","O/O to 2 units","34/35/39","42/44"," -"," -",25," -","18 / 15","BoC Benchmark"," -","see lender's \nsheet or email","Monthly","No","Spread 90 days","no","Deal Rate","Prime & Adjustment","Changes","next Payment","w,bw,sm,m","Rem. of 5yr","Market Rate",20,20,"3 mo.","5yr","Special Cases","Always","No","Yes","On Qual","Yes","No","See Program","Yes","No"]
["Merix Financial","Merix ( ALT-A / Rental 5yr ARM Un-Insured )",null,{"$f":"VLOOKUP(A71,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",80,620,5,75000,2000000,"Purch, Purch + Improv. Switch, ReFi, ETO","O/O to 2 units"," -"," -","32/34","40/42"," -","25 / 30","18 / 15"," -","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Monthly","No","Spread 60 days","no","Deal Rate","Prime & Adjustment","Changes","next Payment","w,bw,sm,m","Rem. of 5yr","Market Rate",20,20,"3 mo.","5yr","all AB Refinances Some other Cases","Always","No","Yes","On Qual","Yes","Yes","See Program","Yes","No"]
["Merix Financial","Merix  ( NPX 65% Solution Open ARM )",null,{"$f":"VLOOKUP(A72,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"limited ON",65,"500 / Reject","1,2,3 Open",300000,1000000,"Purch, ReFi, ETO\nCRA. Property Taxes","O/O max 4 units, Small Rentals"," -"," -","50 / +","50 / +"," -",25,"Open"," -","Deal Rate","see lender's \nsheet or email",90,"Yes","w,bw,sm,m","Open","Deal Rate","Prime & Adjustment","Changes","next Payment","w,bw,sm,m","No","n/a","Open","Open","Open","Funding","Always \nApproved list","Always","Yes","Yes","On Qual","No","Yes",50," -"," -"]
["Merix Financial","Merix  ( NPX 50% Solution Open ARM )",null,{"$f":"VLOOKUP(A73,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"limited ON",50,"500 / Reject","1,2,3 Open",300000,2000000,"Purch, ReFi, ETO\nCRA. Property Taxes","O/O max 4 units, Small Rentals"," -"," -","50 / +","50 / +"," -",25,"Open"," -","Deal Rate","see lender's \nsheet or email",90,"Yes","w,bw,sm,m","Open","Deal Rate","Prime & Adjustment","Changes","next Payment","w,bw,sm,m","No","n/a","Open","Open","Open","Funding","Always \nApproved list","Always","Yes","Yes","On Qual","No","Yes",50," -"," -"]
["Optimum Mortgage","Optimum  ( Provable Income Insured )",null,{"$f":"VLOOKUP(A74,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",95,620,5,"$75,000\n $100,000","$925,000 \nplus ins.","Purch","O/O to 4 units, Second Home, \nSmall Rental 2-4 units",39,44," -"," -",25," -"," -","BoC Benchmark"," -","see lender's \nsheet or email","Semi-annual","No","Spread 90 days","no","Benchmark","Benchmark","Fixed","With Prime","bw,sm,m","Rem. of 5yr","Disc.",20,20,"3 mo.","5yr","broker to provide","Always","No","Yes","On Qual","No","Yes",100,"No","Yes"]
["Optimum Mortgage","Optimum  ( Provable Income <80% )",null,{"$f":"VLOOKUP(A75,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",80,620,5,"$75,000\n $100,000","$500,000 to $1,000,000","Purch, ReFi, ETO","O/O to 4 units, Second Home, \nSmall Rental"," -"," -",32,40," -","25 / 30"," -"," -","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Semi-annual","No","Spread 90 days","no","Benchmark","Benchmark","Fixed","With Prime","bw,sm,m","Rem. of 5yr","Disc.",20,20,"3 mo.","5yr","broker to provide","Always","No","Yes","On Qual","No","Yes",100,"No","Yes"]
["Optimum Mortgage","Optimum  ( Alternative Income 75% )",null,{"$f":"VLOOKUP(A76,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",75,"500 / 550",5,"$75,000\n $100,000","$500,000 to $1,000,000","Purch, ReFi, ETO","O/O max 4 units, \nsome Small Rentals"," -"," -",32,40," -",25," -"," -","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Semi-annual","No","Spread 90 days","no","Benchmark","Benchmark","Fixed","With Prime","bw,sm,m","Rem. of 5yr","Disc.",20,20,"3 mo.\n ALT-A +1%","5yr","broker to provide","Always","No","Yes","On Qual","No","Yes",100,"No","Yes"]
["Optimum Mortgage","Optimum  ( Alternative Income 80% )",null,{"$f":"VLOOKUP(A77,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",80,600,5,"$75,000\n $100,000","$500,000 to $1,000,000","Purch","O/O to 4 units",39,44," -"," -",25,25," -","BoC Benchmark","BoC Benchmark","see lender's \nsheet or email","Semi-annual","No","Spread 90 days","no","Benchmark","Benchmark","Fixed","With Prime","bw,sm,m","Rem. of 5yr","Disc.",20,20,"3 mo.\n ALT-A +1%","5yr","broker to provide","Always","No","Yes","On Qual","No","Yes",100,"No","Yes"]
["Radius Financial","Radius                               ( Insurable 3yr ) ",null,{"$f":"VLOOKUP(A78,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces","90 / 95",620,3,50000,"$925,000 \nplus ins.","Purch, Purch Plus Improv., Switch","O/O to 4 units\nNo Agricultural","35/39","42/44"," -"," -",25," -",20,"BoC Benchmark"," -","see lender's \nsheet or email","Semi-annual","No","Spread 90 days","no","Deal Rate","Prime & Adjustment","Changes","Next Payment","w,bw,sm,m","3yr","Best",20,20,"3 mo.","3yr","NAS, SOLIDIFI","Always","Yes","Yes","On Qual","Yes","FCT Platinum","70+","No","No"]
["Radius Financial","Radius          ( Insurable Non Standard 3yr )",null,{"$f":"VLOOKUP(A79,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces","90 / 95",620,3,50000,750000,"Purch","O/O max 2 units","35/39","42/44"," -"," -",25," -",20,"BoC Benchmark"," -","see lender's \nsheet or email","Semi-annual","No","Spread 90 days","no","Deal Rate","Prime & Adjustment","Changes","Next Payment","w,bw,sm,m","3yr","ALT-A",20,20,"3 mo.","3yr","Always","Always","No","Yes","On Qual","No","FCT Platinum","70+","No","No"]
["Radius Financial","Radius             ( Insured \"RateWise\" 5yr )",null,{"$f":"VLOOKUP(A80,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",95,620,5,50000,"$925,000 \nplus ins.","Purch, Purch Plus Improv., Switch","O/O to 4 units, Second Home \nNo Agricultural","35/39","42/44"," -"," -",25," -",20,"BoC Benchmark"," -","see lender's \nsheet or email","Semi-annual","No","Spread 90 days","no","Deal Rate","Prime & Adjustment","Changes","Next Payment","w,bw,sm,m","5yr","Best",10,10,"3 mo. if\nBonaFide sale","5yr","NAS, SOLIDIFI","Always","Yes","Yes","On Qual","Yes","FCT Platinum","110 +","No","No"]
["Radius Financial","Radius             ( Insurable \"RateWise\" 5yr )",null,{"$f":"VLOOKUP(A81,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",80,620,5,50000,"$925,000 \nplus ins.","Purch, Purch Plus Improv., Switch","O/O to 4 units, Second Home \nNo Agricultural","35/39","42/44"," -"," -",25," -",20,"BoC Benchmark"," -","see lender's \nsheet or email","Semi-annual","No","Spread 90 days","no","Deal Rate","Prime & Adjustment","Changes","Next Payment","w,bw,sm,m","5yr","Best",10,10,"3 mo. if\nBonaFide sale","5yr","NAS, SOLIDIFI","Always","Yes","Yes","On Qual","Yes","FCT Platinum","110 +","No","No"]
["Radius Financial","Radius         ( Insured Fully Qualified 5yr )",null,{"$f":"VLOOKUP(A82,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces","90 / 95",620,5,50000,"$925,000 \nplus ins.","Purch, Purch Plus Improv., Switch","O/O to 4 units, Second Home \nNo Agricultural","35/39","42/44"," -"," -",25," -",20,"BoC Benchmark"," -","see lender's \nsheet or email","Semi-annual","No","Spread 90 days","no","Deal Rate","Prime & Adjustment","Changes","Next Payment","w,bw,sm,m","5yr","Best",20,20,"3 mo.","5yr","NAS, SOLIDIFI","Always","Yes","Yes","On Qual","Yes","FCT Platinum","110 +","No","No"]
["Radius Financial","Radius         ( Insurable Fully Qualified 5yr )",null,{"$f":"VLOOKUP(A83,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",80,620,5,50000,"$925,000 \nplus ins.","Purch, Purch Plus Improv., Switch","O/O to 4 units, Second Home \nNo Agricultural","35/39","42/44"," -"," -",25," -",20,"BoC Benchmark"," -","see lender's \nsheet or email","Semi-annual","No","Spread 90 days","no","Deal Rate","Prime & Adjustment","Changes","Next Payment","w,bw,sm,m","5yr","Best",20,20,"3 mo.","5yr","NAS, SOLIDIFI","Always","Yes","Yes","On Qual","Yes","FCT Platinum","110 +","No","No"]
["Radius Financial","Radius   ( Un-Insurable Fully Qualified  5yr )",null,{"$f":"VLOOKUP(A84,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",80,620,5,50000,2000000,"Purch, Purch Plus Improv., ReFi, ReFi Plus Improv., ETO, Switch","O/O to 4 units, Second Home \nNo Agricultural"," -"," -","35/39","42/44"," -",30,20," -","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Semi-annual","No","Spread 90 days","no","Deal Rate","Prime & Adjustment","Changes","Next Payment","w,bw,sm,m","5yr","Best",20,20,"3 mo.","5yr","NAS, SOLIDIFI","Always","Yes","Yes","On Qual","Yes","FCT Platinum","110 +","No","No"]
["Radius Financial","Radius    ( Non Standard 5yr BFS ALT-A )",null,{"$f":"VLOOKUP(A85,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",65,620,5,50000,750000,"Purch","O/O max 2 units"," -"," -","35/39","42/44"," -",30,20," -","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Semi-annual","No","Spread 90 days","no","Deal Rate","Prime & Adjustment","Changes","Next Payment","w,bw,sm,m","5yr","ALT-A",20,20,"3 mo.","5yr","Always","Always","No","Yes","On Qual","No","FCT Platinum","110 +","No","No"]
["Radius Financial","Radius       ( \"RateWise\" 5yr  Un-Insurable )",null,{"$f":"VLOOKUP(A86,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",80,620,5,50000,2000000,"Purch, Purch Plus Improv., ReFi, ReFi Plus Improv., ETO, Switch","O/O to 4 units, Second Home \nNo Agricultural"," -"," -","35/39","42/44"," -",30,20," -","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Semi-annual","No","Spread 90 days","no","Deal Rate","Prime & Adjustment","Changes","Next Payment","w,bw,sm,m","5yr","Best",10,10,"3 mo. if\nBonaFide sale","5yr","NAS, SOLIDIFI","Always","Yes","Yes","On Qual","Yes","FCT Platinum","110 +","No","No"]
["Radius Financial","Radius         ( Non Standard 5yr Insurable )",null,{"$f":"VLOOKUP(A87,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces","90 / 95",620,5,50000,750000,"Purch","O/O max 2 units","35/39","42/44"," -"," -",25," -",20,"BoC Benchmark"," -","see lender's \nsheet or email","Semi-annual","No","Spread 90 days","no","Deal Rate","Prime & Adjustment","Changes","Next Payment","w,bw,sm,m","5yr","ALT-A",20,20,"3 mo.","5yr","Always","Always","No","Yes","On Qual","No","FCT Platinum","110 +","No","No"]
["RMG Mortgages","RMG Mortgages  ( LRB High Ratio Promo )\n                                         ( Insured )",null,{"$f":"VLOOKUP(A88,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National exc. PQ","High Ratio","630 / 600",5,75000,"$924,999 \nplus ins.","Purch, Switch / Transfer","O/O to 4 units, Second Home 1 unit",39,44," -"," -",25," -",5,"BoC Benchmark"," -","see lender's \nsheet or email","Semi-annual","No","Spread 120 days","no","Deal Rate","Prime & Adjustment","Changes","Monthly","w,bw,sm,m","5yr Low Basic","Disc.",20,20,"Higher 3 mo.\n or 3%","5yr","several cases\n rebate available","Yes FCT","No","Yes","On Qual","FCT package","No",120,"No","Incl"]
["RMG Mortgages","RMG Mortgages  ( LRB High Ratio)\n                                         ( Insured )",null,{"$f":"VLOOKUP(A89,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National exc. PQ","High Ratio",630,5,75000,"$924,999 \nplus ins.","Purch, Switch / Transfer","O/O to 4 units, Second Home 1 unit",39,44," -"," -",25," -",5,"BoC Benchmark"," -","see lender's \nsheet or email","Semi-annual","No","Spread 120 days","no","Deal Rate","Prime & Adjustment","Changes","Monthly","w,bw,sm,m","5yr Low Basic","Disc.",20,20,"Higher 3 mo.\n or 3%","5yr","several cases\n rebate available","Yes FCT","No","Yes","On Qual","FCT package","No",120,"No","Incl"]
["RMG Mortgages","RMG Mortgages  ( LRB Conventional )\n                                         ( Insurable )",null,{"$f":"VLOOKUP(A90,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National exc. PQ",80,"630 / 600",5,75000,799999,"Purch, Purch Plus Improv., Switch","O/O to 4 units",39,44," -"," -",25," -",5,"BoC Benchmark"," -","see lender's \nsheet or email","Semi-annual","No","Spread 90 days","no","Deal Rate","Prime & Adjustment","Changes","Monthly","w,bw,sm,m","5yr Low Basic","Disc.",20,20,"Higher 3 mo.\n or 3%","5yr","several cases\n rebate available","Yes FCT","No","Yes","On Qual","FCT package","No",120,"No","Incl"]
["RMG Mortgages","RMG Mortgages    ( LRB Un-Insurable )\n                       ( existing LRB clients only )",null,{"$f":"VLOOKUP(A91,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National exc. PQ",80,"630 / 650",5,75000,"remaining","Purch, ReFi, ETO","O/O to 4 units"," -"," -","35/39","42/44"," -",30,5," -","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Semi-annual","No","Spread 120 days","no","Deal Rate","Prime & Adjustment","Changes","Monthly","w,bw,sm,m","5yr Low Basic","Disc.",20,20,"Higher 3 mo.\n or 3%","5yr","several cases\n rebate available","Yes FCT","No","Yes","On Qual","FCT package","FCT Platinum","up to 120","No","Incl"]
["RMG Mortgages","RMG Mortgages   ( Regular High Ratio )          \n                                         ( Insured)",null,{"$f":"VLOOKUP(A92,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National exc. PQ",95,620,5,50000,"$925,000 \nplus ins.","Purch, Purch Plus Improv., \nSwitch / Transfer","O/O to 4 units, Second Home 1 unit",39,44," -"," -",25," -",5,"BoC Benchmark"," -","see lender's \nsheet or email","Semi-annual","No","Spread 120 days","no","Deal Rate","Prime & Adjustment","Changes","Monthly","w,bw,sm,m","Rem. of 5yr","Disc.",20,20,"3 mo.","5yr","several cases\n rebate available","Yes FCT","no","Yes","On Qual","FCT package","No",110,"No","Incl"]
["RMG Mortgages","RMG Mortgages   ( Regular Conventional )          \n                                         ( Insurable )",null,{"$f":"VLOOKUP(A93,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National exc. PQ",95,620,5,50000,799999,"Purch, Purch Plus Improv., \nSwitch / Transfer","O/O to 4 units, Second Home 1 unit",39,44," -"," -",25," -",5,"BoC Benchmark"," -","see lender's \nsheet or email","Semi-annual","No","Spread 90 days","no","Deal Rate","Prime & Adjustment","Changes","Monthly","w,bw,sm,m","Rem. of 5yr","Disc.",20,20,"3 mo.","5yr","several cases\n rebate available","Yes FCT","no","Yes","On Qual","FCT package","No",110,"No","Incl"]
["RMG Mortgages","RMG Mortgages   ( Regular Conventional )          \n                                     ( Un-Insurable )",null,{"$f":"VLOOKUP(A94,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National exc. PQ",80,620,5,50000,"$950,000 $1,600,000","Purch, ReFi, ETO, \nSwitch / Transfer","O/O to 4 units, Second Home 1 unit"," -"," -",39,44," -",30,5," -","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Semi-annual","No","Spread 90 days","no","Deal Rate","Prime & Adjustment","Changes","Monthly","w,bw,sm,m","Rem. of 5yr","Disc.",20,20,"3 mo.","5yr","several cases\n rebate available","Yes FCT","no","Yes","On Qual","FCT package","FCT Platinum","see rate","No","Incl"]
["Scotiabank","Scotiabank   ( Flex Value Closed )",null,{"$f":"VLOOKUP(A95,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",95,620,5,25000,"No Max","Purch, Purch Plus Improv., ReFi, ETO","O/O to 4 units, Second Home, \nSmall Rental",35,42,35,42,25,30,"Term","BoC Benchmark","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Semi-annual","No","Spread 120 days","no","Deal Rate","Prime & Adjustment","Changes","Monthly","w,bw,sm,m","Rem. of 5yr","Best SPR",15,"15 & Match","3 mo. & $200","5yr","PAT, NAS \nSOLIDIFI","Always","Start Right","Yes","On Qual","Yes","Yes",80,"No","Yes"]
["Scotiabank","Scotiabank   ( Flex Value Open )",null,{"$f":"VLOOKUP(A96,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",95,620,5,25000,"No Max","Purch, Purch Plus Improv., ReFi, ETO","O/O to 4 units, Second Home, \nSmall Rental",35,42,35,42,25,30,"Open","BoC Benchmark","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Semi-annual","No","Spread 120 days","no","Deal Rate","Prime & Adjustment","Changes","Monthly","w,bw,sm,m","Rem. of 5yr","Best SPR","Open","Open","$0, & $200","Funding","PAT, NAS \nSOLIDIFI","Always","Start Right","Yes","On Qual","Yes","Yes",50,"No","Yes"]
["Scotiabank","Scotiabank  ( Long and Short )",null,{"$f":"VLOOKUP(A97,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",95,620,5,25000,"No Max","Purch, ReFi, ETO \nSwitch / Transfer","O/O to 4 units, Small Rental",35,42,35,42,25,30,"Term","VRM <5yr Benchmark\n 5yr+ deal rate","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Semi-annual","No","120 days","no","Deal Rate","Prime & Adjustment","Changes","Monthly","w,bw,sm,m","Rem. of 5yr","Best SPR",15,"15 & Match","greater 3mo\n or IRD plus","5yr","PAT, NAS \nSOLIDIFI","Always","No","Yes","On Qual","Yes","Yes","product","No","Yes"]
["Scotiabank","Scotiabank   ( 3yr Ultimate Variable )",null,{"$f":"VLOOKUP(A98,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",95,620,3,25000,"No Max","Purch, Purch Plus Improv., ReFi, ETO, Switch / Transfer","O/O to 4 units, Second Home",35,42,35,42,25,30,"Term","BoC Benchmark","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Semi-annual","Yes","Cap Rate\n 120 days","no","Cap Rate","Cap Rate","Fixed","With Prime","w,bw,sm,m","3yr or longer","Best SPR",15,"15 & Match","3 mo.","3yr","PAT, NAS \nSOLIDIFI","Always","Start Right","Yes","On Qual","Yes","Yes",65,"No","Yes"]
["Scotiabank","Scotiabank  \n         StartRight 95% ( Resident <5 years )",null,{"$f":"VLOOKUP(A99,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",95,"see comment","3 or 5",25000,985000,"Purch, ReFi, Switch","O/O max 4 units"," -"," -","n/a","40 / none"," -",25,"Term","BoC Benchmark","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Semi-annual","No",120,"No","Deal Rate","Prime & Adjustment","Changes","Monthly","w,bw,sm,m","per product","Best SPR",15,"15 & Match","greater 3mo\n or IRD","Term","PAT, NAS \nSOLIDIFI","Always","No","Yes","On Qual","Yes"," -","No"," -","Yes"]
["Scotiabank","Scotiabank  \n          StartRight 65% ( Resident <5 years )",null,{"$f":"VLOOKUP(A100,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",65,"n/a","3 or 5",25000,2300000,"Purch, ReFi, Switch","O/O max 4 units"," -"," -","n/a","n/a"," -",25,"Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Semi-annual","No",120,"No","Deal Rate","Prime & Adjustment","Changes","Monthly","w,bw,sm,m","per product","Best SPR",15,"15 & Match","greater 3mo\n or IRD","Term","PAT, NAS \nSOLIDIFI","Always","No","Yes","On Qual","Yes"," -","No"," -","Yes"]
["Scotiabank","Scotiabank  ( Non-Resident ~ Option 1 )",null,{"$f":"VLOOKUP(A101,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",65,"no derogs","3 or 5",25000,"No Max","Purch, Switch / Transfer","O/O Second / Vacation"," -"," -","n/a","40 / none"," -",25,"Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Semi-annual","No",120,"No","Deal Rate","Prime & Adjustment","Changes","Monthly","w,bw,sm,m","per product","Best SPR",15,"15 & Match","greater 3mo\n or IRD","Term","PAT, NAS \nSOLIDIFI","Always","No","Yes","On Qual","Yes"," -","No"," -","Yes"]
["Scotiabank","Scotiabank  ( Non-Resident ~ Option 2 )",null,{"$f":"VLOOKUP(A102,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",50,"n/a","3 or 5",25000,750000,"Purch, Switch / Transfer","O/O Second / Vacation"," -"," -","n/a","n/a"," -",25,"Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Semi-annual","No",120,"No","Deal Rate","Prime & Adjustment","Changes","Monthly","w,bw,sm,m","per product","Best SPR",15,"15 & Match","greater 3mo\n or IRD","Term","PAT, NAS \nSOLIDIFI","Always","No","Yes","On Qual","Yes"," -","No"," -","Yes"]
["Scotiabank","Scotiabank   ( 5yr Flex Value )\n                            ( Non-Resident Lending )",null,{"$f":"VLOOKUP(A103,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",65,"n/a",5,25000,1500000,"Purch, Switch / Transfer","O/O 1 unit"," -"," -",35,42," -",25,"Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Semi-annual","No","Spread 120 days","no","Deal Rate","Prime & Adjustment","Changes","Monthly","w,bw,sm,m","Rem. of 5yr","Best SPR",15,"15 & Match","3 mo.","5yr","PAT, NAS \nSOLIDIFI","Always","no","Yes","On Qual","Yes","No","product","No","Yes"]
["Street Capital","Street Capital ( 5yr ARM  Insured Promo )",null,{"$f":"VLOOKUP(A104,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces exc. \nAB PQ",95,660,5,50000,"$925,000 \nplus ins.","Purch, Switch","O/O to 4 units","35/39",42," -"," -",25," -",10,"BoC Benchmark"," -","see lender's \nsheet or email","Monthly","No","Spread 90 days","no","Deal Rate","Prime & Adjustment","Changes","Monthly","w,bw,m","3yr or longer","Disc.",20,20,"3 mo.","5yr","NAS, SOLIDIFI\nor direct","Always","see C.G. Maple","Yes","On Qual","FCT Package","Street Smart","80 plus rewards","No","Yes"]
["Street Capital","Street Capital ( 5yr ARM  Insurable Promo )",null,{"$f":"VLOOKUP(A105,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces exc. \nAB PQ",80,660,5,50000,"$925,000 \nplus ins.","Purch, Switch","O/O to 4 units","35/39",42," -"," -",25," -",10,"BoC Benchmark"," -","see lender's \nsheet or email","Monthly","No","Spread 90 days","no","Deal Rate","Prime & Adjustment","Changes","Monthly","w,bw,m","3yr or longer","Disc.",20,20,"3 mo.","5yr","NAS, SOLIDIFI\nor direct","Always","see C.G. Maple","Yes","On Qual","FCT Package","Street Smart","80 plus rewards","No","Yes"]
["Street Capital","Street Capital ( Insured 5yr ARM )",null,{"$f":"VLOOKUP(A106,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces exc. PQ",95,620,5,50000,"$925,000 \nplus ins.","Purch, Plus Improv., Switch","O/O to 4 units, Second Home",39,44," -"," -",25," -",10,"BoC Benchmark"," -","see lender's \nsheet or email","Monthly","No","Spread 120 days","no","Deal Rate","Prime & Adjustment","Changes","Monthly","w,bw,m","3yr or longer","Disc.",20,20,"3 mo.","5yr","NAS, SOLIDIFI\nor direct","Always","see C.G. Maple","Yes","On Qual","FCT Package","Street Smart","80 plus rewards","No","Yes"]
["Street Capital","Street Capital ( Insurable 5yr ARM )",null,{"$f":"VLOOKUP(A107,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces exc. PQ",80,620,5,50000,"$925,000 \nplus ins.","Purch, Plus Improv., Switch","O/O to 4 units, Second Home",39,44," -"," -",25," -",10,"BoC Benchmark"," -","see lender's \nsheet or email","Monthly","No","Spread 120 days","no","Deal Rate","Prime & Adjustment","Changes","Monthly","w,bw,m","3yr or longer","Disc.",20,20,"3 mo.","5yr","NAS, SOLIDIFI\nor direct","Always","see C.G. Maple","Yes","On Qual","FCT Package","Street Smart","80 plus rewards","No","Yes"]
["Street Capital","Street Capital ( Un-Insurable 5yr ARM )",null,{"$f":"VLOOKUP(A108,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces exc. PQ",80,620,5,50000,750000,"ReFi, ETO","O/O to 4 units, Second Home"," -"," -","35/39","42/44"," -",30,10," -","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Monthly","No","Spread 120 days","no","Deal Rate","Prime & Adjustment","Changes","Monthly","w,bw,m","3yr or longer","Disc.",20,20,"3 mo.","5yr","NAS, SOLIDIFI\nor direct","Always","see C.G. Maple","Yes","On Qual","FCT Package","Street Smart","80 plus rewards","No","Yes"]
["Street Capital","Street Capital       65%-90%\n       ( Insured  Stated / Rental 5yr ARM )",null,{"$f":"VLOOKUP(A109,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces exc. PQ",90,680,5,50000,750000,"Purch, Plus Improv.","O/O to 2 units, Small Rental","35/39","42/44"," -"," -",25," -",10,"higher of 5yr Benchmark or Deal Rate"," -","see lender's \nsheet or email","Monthly","No","Spread 120 days","no","Deal Rate","Prime & Adjustment","Changes","Monthly","w,bw,m","3yr or longer","Disc.",20,20,"3 mo.","5yr","NAS, SOLIDIFI\nor direct","Always","no","Yes","On Qual","FCT Package","Street Smart","80 plus rewards","No","Yes"]
["Street Capital","Street Capital       65%\n    ( Un-Insurable Stated / Rental 5yr ARM )",null,{"$f":"VLOOKUP(A110,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces exc. PQ",65,650,5,50000,650000,"Purch","O/O to 2 units, Small Rental"," -"," -","35/39","42/44"," -",30,10," -","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Monthly","No","Spread 120 days","no","Deal Rate","Prime & Adjustment","Changes","Monthly","w,bw,m","3yr or longer","Disc.",20,20,"3 mo.","5yr","NAS, SOLIDIFI\nor direct","Always","no","Yes","On Qual","FCT Package","Street Smart","80 plus rewards","No","Yes"]
["TD Canada Trust","TD/Canada Trust ( Closed VIRM Insured )",null,{"$f":"VLOOKUP(A111,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",95,"n/a",5,20000," No Max","Purch, Plus Improv.","O/O to 4 units, Second Home, \nLeased Land",39,44," -"," -",25," -","longer of\n 5 or Term","BoC Benchmark"," -","see lender's \nsheet or email","Monthly","No","Spread 120 days","no","Deal Rate","Initial rate","Fixed","Monthly","w,bw,sm,m","Rem. of 5yr","Disc.",15,"up to 100","3 mo.\n + $300","5yr","NAS, RPS, SOLIDIFI, TD-APV","Always","Yes","No","No","Yes","No",80,"No","Yes"]
["TD Canada Trust","TD/Canada Trust \n                      ( Closed VIRM Un-Insured )",null,{"$f":"VLOOKUP(A112,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",80,"n/a",5,20000," No Max","Purch, ReFi, ETO","O/O to 4 units, Second Home, \nSmall Rental 1-4 units, Leased Land"," -"," -"," -",44," -",30,"longer of\n 5 or Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Monthly","No","Spread 120 days","no","Deal Rate","Initial rate","Fixed","Monthly","w,bw,sm,m","Rem. of 5yr","Disc.",15,"up to 100","3 mo.\n + $300","5yr","NAS, RPS, SOLIDIFI, TD-APV","Always","Yes","No","No","Yes","Save up to $1,200",80,"No","Yes"]
["TD Canada Trust","TD/Canada Trust ( Cottage VIRM )",null,{"$f":"VLOOKUP(A113,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",50,680,5,20000,500000,"Purchase, Refi, ETO","Cottage Types A or B"," -"," -"," -",44,25,25,"longer of\n 5 or Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","see lender's \nsheet or email","Monthly","No","Spread 120 days","no","Deal Rate","Initial rate","Fixed","Monthly","w,bw,sm,m","Rem. of 5yr","Disc.",15,"up to 100","3 mo.\n + $300","5yr","NAS, RPS, SOLIDIFI, TD-APV","Always","Yes","No","No","Yes","Save up to $1,200",80,"No","Yes"]
[null,{"$f":"TODAY()","v":"2024-03-02"}]
[null,"Disclaimer"]
[null,"Information provided in this tool is that as supplied by the named lending institution prior to release of this version.  Product features, approval guidelines, and lender policies may change without prior written notice.  Current lender offerings should be confirmed by referring to the latest lender literature or contacting the lender directly prior to quoting: terms, conditions or rates to a client; and prior to submitting an application to the lender. This information is provided solely as a condensed version of market options. The individual user name and logo have been added at the request of the user for the purpose of consumer branding, and are not intended to indicate product ownership.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"B116","v":"Information provided in this tool is that as supplied by the named lending institution prior to release of this version.  Product features, approval guidelines, and lender policies may change without prior written notice.  Current lender offerings should be confirmed by referring to the latest lender literature or contacting the lender directly prior to quoting: terms, conditions or rates to a client; and prior to submitting an application to the lender. This information is provided solely as a condensed version of market options. The individual user name and logo have been added at the request of the user for the purpose of consumer branding, and are not intended to indicate product ownership."}]
[null," ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," ",{"$f":"B117","v":" "}]
[null,"Developer:-MMI Mortgage Mentor Inc.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Developer:-MMI Mortgage Mentor Inc."]
[null,"Author:- R. A. (Rick) Robertson  MBI",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Author:- R. A. (Rick) Robertson  MBI"]
[null,"Proprietary Property of:- R. A. Robertson",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Proprietary Property of:- R. A. Robertson"]
[null,"© Copyright 08/01/05 (revised through January 2022 )",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"© Copyright 08/01/05 (revised through January 2022 )"]
[null," ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,"Use without prior written permission of the Author is prohibited.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Use without prior written permission of the Author is prohibited."]

{"sheet":"Agreement","index":3,"n_rows":47,"n_cols":2,"rows_kept":47,"cut":false,"hidden":true,"merged":[]}
[]
[null,"Mortgage Mentor: Disclaimer, Privacy Policy, and License Agreement"]
[]
[null,"Read the terms and conditions of this license agreement carefully.  "]
[null,"By: downloading, otherwise receiving, or using a copy of the program, you are accepting and agreeing to the terms of this license agreement."]
[null,"continued…"]
[null,"1.     The program is copyrighted and licensed (not sold). This is a legal agreement between you (either an individual end-user or an entity) and MMI Mortgage Mentor Inc. (“MMI”) . If you do not agree to the terms and conditions of this agreement, you must promptly stop using the Software, remove it from any computer on which you have installed it, and destroy all aspects of the Software in your possession or control."]
[null,"continued…"]
[null,"2.      At MMI, we are committed to respecting and protecting your privacy and security.  We have taken measures to protect the security of your personal information and protect your data from misuse and unauthorized access or disclosure. While any data transmissions over the internet cannot be guaranteed 100%, MMI would like to reassure our subscribers that our site www.mortgagementor.com is protected by CopyMinder (www.copyminder.com). To further protect your security, we are providing each subscriber with a unique Product Key for their personal use only.  By using this software you agree that your Product Key shall not be shared, distributed or broadcast to any other parties."]
[null,"continued…"]
[null,"3.    Each Product Key and Mortgage Mentor Tool (from herein referred to as “Software”) are protected by CopyMinder.  Periodically throughout the duration of your subscription, your Product Key and computer ID will need to be re-validated by COPY minder's protection system. To facilitate this, your computer will need to be connected to the internet.  No data is copied, installed, or accessed from your computer during this process. You agree to allow CopyMinder access to the Software installed on your computer solely for such re-validation purposes."]
[null,"continued…"]
[null,"4.     The Software that is made available for downloading from our online server is owned by MMI.  This Software is protected by copyright laws, and is  licensed to you on a non-exclusive limited basis to be used by you in accordance with the terms and conditions described herein.  Any use, reproduction or redistribution of the Software that is not in accordance with the terms and conditions in this agreement is expressly prohibited by law, and may result in civil and criminal penalties."]
[null,"continued…"]
[null,"5.     This Software is licensed, not sold, for use under the terms and conditions of this agreement, and MMI reserves all rights not expressly granted in this agreement. Without limiting the generality of the forgoing MMI retains ownership of  the Software, and all intellectual property rights therein.  As such, you acknowledge and agree that MMI holds all rights to title and interest in all tangible and intangible incidents of the product and/or service, including copyrights and trade secrets pertaining thereto, and that this agreement conveys to you only a limited right to access and use of the product and/or service.  Subject to the terms and conditions of this agreement, MMI grants to you a non-exclusive limited license to use one copy of the Software and any documentation accompanying this agreement on one computer only.  No other rights are granted.  You may not use the Software on different computers concurrently using the same Product Key.  Attempts to install this Software on a second computer will cause the original, authorized installation to malfunction."]
[null,"continued…"]
[null,"6.      The Software contains copyrighted concepts, ideas, and other proprietary materials of MMI. You agree not to analyze, reverse engineer, decompile or disassemble the Software, or any part of the Software.  You also agree to not modify or create derivative works of the Software, combine with or incorporate the Software into any other application Software, print a copy of the Software, reproduce, distribute, publish, resell for profit, broadcast, transmit or provide its functionality, or commercially exploit the Software and any information available on this site in any matter without the express consent of MMI. AND IS PROHIBITED WITHOUT THE EXPRESS WRITTEN PERMISSION OF MMI."]
[null,"continued…"]
[null,"7.      The Software is considered in use if it is loaded on the computer’s permanent or temporary memory.  If you are acquiring the Software on behalf of another person or entity, you represent and warrant that you have the authority to bind the party or entity for which you are acquiring the Software to the terms and conditions of this agreement."]
[null,"continued…"]
[null,"8.    IN NO EVENT SHALL MMI, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, SUPPLIERS OR THEIR RESPECTIVE SUCCESSORS OR ASSIGNS BE LIABLE TO YOU OR ANY OTHER THIRD PARTY FOR ANY DAMAGES OF ANY KIND INCLUDING BUT NOT LIMITED TO: GENERAL, DIRECT, INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES INCLUDING DAMAGES FOR LOSS OF BUSINESS, LOSS OF PROFITS, LOSS OF INFORMATION, LOSS OF SAVINGS, LOSS OF DATA, BUSINESS INTERRUPTION  OR THE LIKE ARISING OUT OF OR IN CONNECTION WITH THE DELIVERY, PERFORMANCE, TRANSMISSION, FAILURE TO DELIVER, PERFORM, OR TRANSMIT, USE OR INABILITY TO USE THE PROGRAM OR THE INFORMATION "]
[null,"CONTAINED IN THE SOFTWARE AND REGARDLESS OF THE CAUSE WHETHER ARISING IN CONTRACT (INCLUDING FUNDAMENTAL BREACH), TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, EVEN IF CAUSED BY THE NEGLIGENCE OF MMI ITS, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, SUPPLIERS AND THEIR RESPECTIVE SUCCESSORS AND ASSIGNS OR IF MMI, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, SUPPLIERS AND THEIR RESPECTIVE SUCCESSORS AND ASSIGNS KNEW OR OUGHT TO HAVE KNOWN  OF THE POSSIBILITY OF SUCH DAMAGES."]
[null,"continued…"]
[null,"9. YOU HEREBY RELEASE MMI AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, SUPPLIERS AND THEIR RESPECTIVE SUCCESSORS AND ASSIGNS, FROM ANY CLAIMS INCLUDING, BUT NOT LIMITED TO, ANY CLAIMS RELATED TO DAMAGES FOR LOSS OF BUSINESS, LOSS OF PROFITS, LOSS OF INFORMATION, LOSS OF SAVINGS, LOSS OF DATA,  BUSINESS INTERRUPTION OR THE LIKE ARISING OUT OF OR IN CONNECTION WITH THE DELIVERY, PERFORMANCE, TRANSMISSION, FAILURE TO DELIVER,  PERFORM OR TRANSMIT, USE OR INABILITY TO USE THE PROGRAM OR THE INFORMATION CONTAINED IN THE SOFTWARE, AND YOU AGREE NOT TO ASSERT ANY CLAIMS AGAINST THEM, ARISING FROM YOUR USE OF THE SOFTWARE."]
[null,"continued…"]
[null,"10.      In the event of errors or omissions in any information, the sole responsibility of MMI is to use its best efforts to correct, by the issue of a corrected release, any errors which it or any of its employees or agents may have made, negligently or otherwise, in transmitting copy accurately and which are brought to its attention. "]
[null,"continued…"]
[null,"11. THE SOFTWARE IS PROVIDED ON AN \"AS IS, WHERE IS\" BASIS AND MMI DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS, ENDORSEMENTS OR CONDITIONS WITH RESPECT TO THE SOFTWARE, INCLUDING WITHOUT LIMITATION, WARRANTIES AS TO MERCHANTABILITY, OPERATION, NON-INFRINGEMENT, USEFULNESS, COMPLETENESS, ACCURACY, RELIABILITY AND FITNESS FOR A PARTICULAR PURPOSE."]
[null,"continued…"]
[null,"12.     This agreement is effective for the duration of the license term and any renewals thereto.  Upon violation of any of the terms and conditions of this agreement, rights to the use of the Software shall automatically terminate and the Software must be destroyed.  If MMI makes a request via public announcement or press release to stop using the Software, you will comply immediately with this request.  Removal of the Software or discontinuance of its use prior to the end of the subscription does not entitle you to a refund or absolve you from continuing to make the regular subscription payments."]
[null,"continued…"]
[null,"13.     Links to other web sites from the Software or from the MMI web site allow you to leave the Software and/or the MMI web site.  The linked sites are not under the control of MMI and MMI is not responsible for the contents of any linked site or links within a linked site.  These links are provided as a convenience only and do not imply any endorsement or recommendation by MMI."]
[null,"continued…"]
[null,"14.      A service charge will be applied for any support in re-installation, troubleshooting, or diagnostic assistance resulting from non-compliance with this agreement."]
[null,"continued…"]
[null,"15.     CAUTION, some freeware, shareware, or you-don’t-have-to-pay-for-it-ware may cause a conflict with this Software.  It is recommended by MMI that this Software only be run on a computer system containing industry accepted business software and trustworthy programs. MMI is not responsible for any problems resulting from you downloading or installing recreational or non-business software that interferes with the Software.  You are solely responsible for the safety and maintenance of your computer.  Loss of use of your computer does not justify non-payment of any subscriptions fees due."]
[null,"continued…"]
[null,"16.     By using the Software or by submitting personal information to us, you signify your agreement to MMI’s Disclaimer and Privacy Policy.  [NOTE: Canadian privacy laws do not allow you to force someone to consent to be given information. If you do something like this, you are required to allow a person to opt out at an early opportunity.  We recommend you address this issue in your privacy policy].  MMI reserves the right to change our Disclaimer and Privacy Policy at any time by posting the revised policy on our website.  MMI may notify you of any such changes by posting notice of such modifications on the web site, or via e-mail, postal mail or other means. Notwithstanding the foregoing, it is your responsibility to periodically check our Disclaimer and Privacy Policy to inform yourself of such changes. "]
[null,"continued…"]
[null,"17.     It is the intent of MMI to assist in the advancement of the profession of Mortgage Brokering in Canada through making our calculators, and resource based, product sorting ideas available to professional independent Mortgage Brokers through our specialized software.  It is the desire of MMI that this Software not be made available for use by: Banks, Credit Unions, Trust Companies, lenders in general, Insurance Agents or Brokers, Financial Planners, Mutual Fund sales representatives, Realtors and Real Estate Agents, or anyone whose principal business is not mortgage origination."]
[null,"continued…"]
[null,"18.   MMI may, in its sole discretion, modify portions or all of this agreement at any time. The onus is on you to periodically check for any revision or modifications to this agreement by checking the MMI web site www.mortgagementor.com.  Your continued use of the Software following notice of such modifications shall be deemed to be your acceptance of any such modifications to this agreement.  If you do not agree to such modifications you must immediately stop using the Software, destroy the Software in your possession or control and notify MMI immediately.  "]
[null,"continued…"]
[null,"19.    This agreement may not be assigned by you. MMI may assign this agreement at any time without notice to you. "]
[null,"continued…"]
[null,"20.    Microsoft Office, Windows and/or other Microsoft products referenced or used are either trademarks or registered trademarks of Microsoft.  All other trademarks are property of their respective owners."]
[null,"END"]

{"sheet":"FieldFinder","index":4,"n_rows":40,"n_cols":3,"rows_kept":40,"cut":false,"hidden":true,"merged":[[1,0,1,9],[3,0,3,1],[4,1,4,2],[7,2,7,5]]}
[]
["This sheet is the source sheet name where the column headings are for the field search"]
[]
["Column A contains column Heading to display"]
[null,"Column B contains the heading sheet&cell address "]
[]
["Title to Display","Reference Cell"]
["Column Finder - click here",{"$f":"'VRM & ARM'!D7","v":0},"<<< \"0\" or #N/A are acceptable displays here"]
["Amortization",{"$f":"'VRM & ARM'!Q4","v":"Amortization"}]
["Annual Prepayment",{"$f":"'VRM & ARM'!AH4","v":"Annual Prepayment (%)"}]
["Appraisal details",{"$f":"'VRM & ARM'!AL4","v":"Appraisal"}]
["Assumability",{"$f":"'VRM & ARM'!AP4","v":"Assumable"}]
["Avail for New To Canada",{"$f":"'VRM & ARM'!AN4","v":"New to Canada"}]
["Beacon",{"$f":"'VRM & ARM'!G4","v":"Beacon Minimum"}]
["Cash Back",{"$f":"'VRM & ARM'!Z4","v":"Cash-Back"}]
["Compounding",{"$f":"'VRM & ARM'!W4","v":"Compounding"}]
["Conversion Rate",{"$f":"'VRM & ARM'!AG4","v":"Conversion Rate"}]
["Convertible to?",{"$f":"'VRM & ARM'!AF4","v":"Convertible to a fixed term"}]
["Debt Service Ratios",{"$f":"'VRM & ARM'!M4","v":"Insurable"}]
["Lending Area",{"$f":"'VRM & ARM'!E4","v":"Lending Area"}]
["Loan Amounts",{"$f":"'VRM & ARM'!I4","v":"Loan Amount"}]
["Loan Purpose",{"$f":"'VRM & ARM'!K4","v":"Purpose"}]
["LTV %",{"$f":"'VRM & ARM'!F4","v":"LTV (%) Maximum"}]
["Open After?",{"$f":"'VRM & ARM'!AK4","v":"Fully Open After"}]
["Payment Amount",{"$f":"'VRM & ARM'!AC4","v":"Payment Amount"}]
["Payment Based On",{"$f":"'VRM & ARM'!AA4","v":"Initial Pmt. Based On"}]
["Payment Increase",{"$f":"'VRM & ARM'!AI4","v":"Payment Increase Option (%)"}]
["Payment Options",{"$f":"'VRM & ARM'!AE4","v":"Payment Options"}]
["Portability",{"$f":"'VRM & ARM'!AO4","v":"Portable"}]
["Prepayment Penalty",{"$f":"'VRM & ARM'!AJ4","v":"Payout Interest Penalty"}]
["Property Type",{"$f":"'VRM & ARM'!L4","v":"Property Type"}]
["Qualifying Rate",{"$f":"'VRM & ARM'!T4","v":"Qualifying Rate"}]
["Rate Cap",{"$f":"'VRM & ARM'!X4","v":"Rate Cap"}]
["Rate Hold Period",{"$f":"'VRM & ARM'!Y4","v":"Rate Hold \nPeriod"}]
["Rate Offerings",{"$f":"'VRM & ARM'!V4","v":"Basic Rate"}]
["Rate Renewal",{"$f":"'VRM & ARM'!AD4","v":"Rate- Renewed"}]
["Refinance?",{"$f":"'VRM & ARM'!AR4","v":"Refinance"}]
["Switch-in ?",{"$f":"'VRM & ARM'!AQ4","v":"Switch-In"}]
["Term",{"$f":"'VRM & ARM'!H4","v":"Term (Yrs)"}]
["Title Insurance required",{"$f":"'VRM & ARM'!AM4","v":"Title Insurance"}]