CWB Optimum Mortgage—now integrated into National Bank—is a full-service residential lender offering flexible, customized mortgage solutions designed especially for non-traditional borrowers. They operate exclusively through mortgage brokers, providing sensible lending options tailored to your unique situation.
Mortgage Products Available
- Fixed and variable rate mortgages
- HELOCs and re-advanceable credit (HOMEWORKS product)
- Alternative lending for self-employed and non-traditional income
- Rental and investment mortgage solutions
- Bridge financing and cash-out refinancing
- Blend-and-extend and portability options
- Flexible prepayment privileges and accelerated payments
Ideal Clients & Use Cases
- Self-employed and contract workers needing flexible income verification
- Clients with bruised credit who need alternative lending
- Homeowners using equity for renovations or debt consolidation
- Buyers of rental or investment properties
- Homeowners seeking flexible repayment options such as adjusting payment frequency, porting, or extending mortgages
Why Clients Choose CWB Optimum
- Tailored, broker-driven service with a personal touch
- Strong alternative lending options for those outside conventional guidelines
- Prepayment flexibility, including lump sums and payment increases
- Penalty relief—they’re not calculated based on bond rates
- Digital access and account tools, including online rate calculators and applications
Considerations & Cautions
- Exclusively available through mortgage brokers
- Non-prime and alternative programs may include higher rates or stricter terms
- Some products may not be available in all provinces or for all property types
- Alternate mortgage paths may require additional documentation
Is CWB Optimum Right for You?
If you’re self-employed, have non-standard income, or credit challenges, and need a flexible mortgage solution—such as HELOC access, bridge financing, portability, or renovation financing—CWB Optimum is an excellent option.
How We Can Help
We can guide you in comparing CWB Optimum’s offerings to those of other lenders, ensuring you access the ideal mortgage for your needs. Whether you’re purchasing, refinancing, or renewing, we’re here to assist.
- Start your application online
- Contact us for personalized support
