TRUST & BANKING

 

Effort Trust is a financial intermediary, focusing on retail deposits and residential and commercial mortgages. Effort Trust is equipped with the personnel and resources required to meet a wide range of financial needs, from the small investor seeking the best rate of return on a term deposit to a large corporation refinancing a multi-million dollar commercial mortgage.

Our investment services and deposit products include: Guaranteed Investment Certificates, Short Term Deposits, Registered Retirement Savings Plans (RRSPs), Registered Retirement Income Funds (RRIFs), Self-Directed RRSPs and RRIFs, Daily Interest Chequing/Savings Accounts, Agency Services and Financial Planning. Further information about our investment services and deposit products can be obtained by contacting our Financial Services Division in Hamilton at (905) 528-8956 or Toronto at (416) 924-4680.

Our Mortgage services feature a full range of residential, apartment and commercial mortgage financing packages, for both new and existing properties, including permanent, as well as interim and take out project financing for builders and developers. First and second conventional mortgage loans, for amounts up to 75% of the property value are available along with high ratio mortgage loans, including CMHC mortgage loans, for amounts up to 95% of the property value. Effort Trust also provides custom financing packages to meet individual mortgage needs.

Basel - Pillar 3 Disclosure

Cheque Hold Policy

Leverage Ratio Disclosure

Regulatory Capital Disclosure

Residential Mortgage Underwriting Practices and Procedures Disclosure

COPYRIGHT © 2016 THE EFFORT TRUST COMPANY