Continuing our customer forward vision and promise to continuously innovate, CMLS Financial is pleased to introduce our new Preferred Customer Program, which rewards both our customers and broker partners for submitting well qualified applicants to CMLS Financial.

The Preferred Customer Program leverages your clients’ strong credit and income profiles to obtain market leading interest rate offerings, while providing you with enhanced commission for placing these clients with CMLS Financial. In addition, all applications submitted under this program are eligible for participation in our Broker Partnership Program and our newly enhanced Renewal Compensation Model.




Enhanced Underwriting Requirements.

  • Higher Beacon Scores
    • High Ratio minimum – 660 for all applicants
    • Insurable minimum – 720 for 1 applicant, minimum 660 for other applicants
  • Lower Debt Servicing Maximums
    • Maximum GDS 39%
    • Maximum TDS 42%
  • LOC Payment for Qualification based on “LOC Limits”
    • Secured PLC calculated at BOC rate repaid over 25 years
    • Unsecured PLC calculated at 3%
  • Owner Occupied Properties Only
  • Verified Income Only
  • No Specialty Underwriting Programs (flex down, new to Canada)
  • No Usage of Rental Income



For full product details and to discuss specific file scenarios, please reach out to your regional manager.

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Thank you for your interest. We look forward to getting in touch.