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Broker compensation · August 12, 2026
On Interest Only and Jumbo, we pay you 25% of the renewal lender fee — every renewal, for the life of the loan.
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A private mortgage that renews well is worth more than a single funding, and until now that value sat entirely with the lender. On both interest-only products, the broker of record on the original deal earns 25% of the lender fee Fraction charges the client at each renewal.
There is no cap on the number of renewals and no expiry on the entitlement. As long as the client renews with us, you are paid.
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The terms, plainly
| You earn |
25% of the renewal lender fee we charge the client |
| On |
Interest Only and Jumbo |
| How often |
Every renewal, for the life of the loan |
| Paid to |
The broker of record on the original deal |
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Today's starting rates
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Interest Only
Max LTV 65%
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From
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Monthly interest, no principal. 1-year or 18-month open term. Lender fee 1% on the year, 1.5% on 18 months.
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Jumbo
Max LTV 65%, 62.5% above $2.5M, 60% above $3.5M
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From
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The same structure, priced by loan band rather than a single sheet rate. 1-year or 18-month open term. Lender fee 1% and 1.5%.
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Starting rates are the shortest term, 750+ credit, at or below 50% LTV. Rates step 25 bps per LTV tier and 25 bps per credit tier from 660. Condominiums add 25 bps and cap at 60% LTV.
Worth repeating
One deal, funded once, can pay you again and again for as long as your client stays with us.
On fraction.com
The site prices a scenario in real time against the live rate sheet. Enter the property value, the loan amount and the credit tier, and it returns the product, the rate, the maximum LTV and the fee — the same numbers our underwriters see.
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Talk to your BDM
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Toronto East
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Toronto West
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BC and Alberta
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BC · Ontario · Alberta
Fraction Technologies Inc. · FSRA #13439
Renewal compensation applies to Fraction Interest Only and Fraction Jumbo and is calculated as 25% of the lender fee charged to the client on each renewal. Rates effective August 12, 2026 and subject to change. Starting rates shown; the rate is confirmed at commitment and depends on the approved LTV tier and the lowest qualifying credit score on file. Maximum LTV varies by property, location and term. For broker use, not consumer-facing advice.
