Supporting Those Who Support Us: Ontario Mortgage Solutions for Frontline Workers
- Seventy Seven Park
- May 9
- 2 min read
In Ontario, the people who keep our communities safe, healthy, and educated often face the same affordability challenges as everyone else. But when it comes to homeownership, they should not be treated like everyone else.
At Seventy Seven Park, we offer access to exclusive mortgage programs tailored to the needs of frontline professionals. These solutions go beyond the typical mortgage offering, recognizing both the stability of their income and the value of their service.
What Is a Frontline Mortgage Program?
A frontline mortgage program is a specialized financing solution available to select professionals working in essential public service roles. It provides access to more favourable terms than standard residential mortgages, including higher loan-to-value limits, payment flexibility, and direct cashback to help reduce closing costs.
These programs are available across Ontario and designed to help frontline employees achieve long-term homeownership goals with fewer barriers.
Who Qualifies in Ontario?
Frontline programs are designed specifically for those in trusted, high-responsibility roles. Eligible applicants include:
Registered Nurses and Practical Nurses
Paramedics
Firefighters
Police Officers
Physicians
Teachers and Professors
Principals and Teacher’s Aides
Correctional Officers
Border Services Officers
Applicants must be employed in Ontario and provide a recent employment letter and pay stub as proof of eligibility.
Key Program Features
These are not limited-time promotions. They are structured mortgage offerings with practical, long-term benefits:
5-year fixed terms for payment stability
Loan-to-Value (LTV) ratios up to 95 percent for insured purchases
Extended amortization periods up to 30 years (when insured and qualified)
Available for purchases, transfers, and purchase-plus-improvements
Maximum purchase price of $1,499,999.99
Prepayment options including:
Lump-sum payments up to 20 percent of the original mortgage annually
Up to 20 percent increase in scheduled monthly payments
Portable and assumable, subject to lender approval
Cashback of up to $2,000, credited directly to the client’s bank account within two to three weeks of funding
Why Are These Options Available?
Lenders recognize the financial stability and long-term employment prospects of frontline professionals. These attributes reduce lending risk and allow for more favourable terms. This is not just about recognition, it is about results. Stronger applications, stable repayment histories, and lower default risks allow lenders to offer more competitive terms to this segment.
Your Strategic Partner
At Seventy Seven Park, we do not just match you with a lender. We build a financing strategy around your goals.
Whether you are buying your first home, upgrading your space, or refinancing to gain equity, our team brings structure and guidance to your mortgage experience. We focus on clarity, efficiency, and tailored solutions that support your long-term success.
We work with frontline professionals across Toronto, Peel, Durham, York Region, and beyond.
Get Started
If you are a frontline professional in Ontario, contact us for a personalized consultation. We will walk you through your eligibility, compare programs, and help you secure the best mortgage for your goals.
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