01 / Products

FOUR FLAVOURS.
$200K TO $8M.

Every Baystone mortgage is underwritten by a principal — not an algorithm. Pricing reflects risk honestly. Term sheets close in days.

A

6.99–9.99% · 6–24 month term

BRIDGE MORTGAGES

Short-term capital secured by residential or mixed-use real estate while a longer-term solution is in motion. We close in days, not months.

Ideal for

  • Bought a home before yours sold
  • Closing-date mismatch on back-to-back deals
  • Renovation / flip working capital
  • Refinance gap before bank reapproval

Indicative terms

Loan size

$200K – $5M

LTV ceiling

75% urban · 65% rural

Lender fee

1.5 – 2 points

Prepayment

Open after month 3, 3-month interest penalty

Funding window

48 business hours from accepted term sheet

B

6.99–8.99% · 1–3 year term

1ST-POSITION PRIVATE MORTGAGES

When the bank declines but the file is sound, we step in as the first mortgage with no stress test and pragmatic income flexibility.

Ideal for

  • Self-employed / T2125 income
  • Credit events in the past 24 months
  • New to Canada / thin file
  • Investment property the bank won't touch

Indicative terms

Loan size

$300K – $8M

LTV ceiling

75% urban · 65% rural

Lender fee

1 – 2 points

Prepayment

Open at any time, 3-month interest penalty

Funding window

48 business hours from accepted term sheet

C

9.99–13.99% · 1–2 year term

2ND MORTGAGES & EQUITY TAKE-OUT

Access equity without breaking your first mortgage. Faster than a HELOC, more flexible than a bank refinance.

Ideal for

  • Debt consolidation
  • Working capital for an active business
  • Investment-property down payment
  • Emergency liquidity inside 5 days

Indicative terms

Loan size

$200K – $1.5M

LTV ceiling

80% combined LTV

Lender fee

2 – 3 points

Prepayment

Open after month 6

Position

Behind any prime first mortgage

D

8.99–11.99% · 6–18 month term

CONSTRUCTION & RENOVATION DRAWS

Progress-based draws for custom builds, additions, and substantive renovations. Weekly site inspections by our quantity surveyor included.

Ideal for

  • Custom home builds
  • Major addition or renovation
  • Small multi-unit infill (≤6 doors)
  • Bank construction loan that paused mid-build

Indicative terms

Loan size

$500K – $6M

LTV ceiling

65% projected complete value

Lender fee

2 points

Draws

Up to 6, against site inspection

Funding window

5 business days for first draw

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