80% Purchase Mortgage Product
A New Mortgage Product Solution by Interfinance.
Practical Financing Solution for Homeowners
An 80% Mortgage can be a practical financing solution for homeowners who want to access the equity in their property without exceeding 80% of its appraised value. Interfinance Mortgage Corporation can help you with your new home purchase with this customized mortgage solution. With access to a broad network of lenders and flexible financing options, our experienced mortgage professionals work closely with you to find a solution that fits your unique circumstances—even if you've been declined by a traditional bank or have credit challenges.
Who The 80% Mortgage Product is Ideal for:
- GTA buyers who need maximum leverage on an owner-occupied purchase
- 680+ beacon clients who can demonstrate ability to carry the mortgage
- Buyers who have a 20% deposit from their own funds but need a higher LTV for their mortgage
- Clients the bank has declined but can show they have the financial capacity
- Single family home purchases — detached, semi-detached, townhomes
What Makes This Different
80% LTV — higher than the standard private lending ceiling, Clean 7.99% rate — transparent and competitive for an 80% purchase, 20% deposit from their own funds/source — client demonstrates financial capacity, GTA area — urban/suburban properties only, 1-hour approval | 24-hour funding — speed when your buyer needs it most.
80% Purchase Product Terms
Term
Rate
Lender Fee
1 Year
7.99%
2%
680+ Beacon (for all applicants)
Ability to maintain monthly mortgage obligations must be demonstrated
20% from own funds/source
No 2nds behind permitted
Urban/Suburban Properties (available for GTA area)
Single family dwellings (no condos)
Maximum purchase value of $1.2M
Owner occupied properties only
Appraisal must be by an Approved Appraiser
*subject to cancellation or amendment without notice.
We create professional mortgage solutions. brands!
Frequently asked questions
This mortgage is designed for GTA buyers who need maximum leverage on an owner-occupied purchase. Ideal candidates have a 680+ Beacon score, can demonstrate the ability to carry the mortgage, and have a 20% deposit from their own funds. It also works well for buyers who've been declined by a traditional bank but can show they have the financial capability, for single-family homes including detached, semi-detached, and townhomes.
Homeowners with sufficient equity may qualify for an 80% mortgage, even if their financial situation isn't perfect. Depending on your circumstances, approval may still be possible if you're self-employed, have bruised credit, need debt consolidation, or have been declined by your bank. A mortgage specialist will review your home's value, existing mortgage balance, income, and overall financial profile to determine the best financing solution.
It offers an 80% loan-to-value ratio, higher than the standard private lending ceiling, at a clean, transparent 7.99% rate. Borrowers put down 20% from their own funds to demonstrate financial capability, and the product is available for urban/suburban properties in the GTA area. Approval takes as little as 1 hour, with funding in 24 hours.
What Our Clients Say After Working With Us.
My husband and I have had the pleasure of dealing with Kiran from Interfinance Mortgages on a couple occasions and she has exceeded our expectations. Very straight to the point, honest and helpful. Would highly recommend!
Pretty R.
Working with Kiran at Interfinance Mortgage Corporation was a fantastic experience. She helped us secure a home construction loan, and the entire process was handled with professionalism, patience, and genuine care.
Baskaran R.
Was placed in a sticky situation. Kiran and her team at Interfinance were extremely helpful. They put together a mortgage when no other lender could help. They are trustworthy and fast. They are easy to speak with and can help clear your debt.
Gagandeep K.