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Acreage Mortgage


Rural properties (normally small acreages- 10 acres) will be considered providing they are not farming operations and the applicant’s main income is not derived from the property. Only one house, the garage and 10 acres will be included in the valuation for most lenders. Out buildings will not be considered, this would include a corals, second homes, quonsets. This policy applies to both conventional and insured deals.

Well Water and Septic Certificates

Applications for properties that have well water as the principal water source must be supported by a current water potability certificate dated within 60 days of the closing date. The solicitor is responsible to obtain, review and forward the certificates to the bank with the standard mortgage documents.

Water Potability Certificate: Must confirm water quality passes the municipal test or is fit for human consumption.

Septic Certificates are required for rural properties with NEW SYSTEMS only.

Septic Certificate: Must be from a provincial or municipal authority and certify that the soil and water pollution, septic system design and installation are acceptable.


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