Pathfinder – no fee or lower rate

1 year open term | 0% lender fee option open after 6-months

Pathfinder Mortgage Rates PDF

1st Mortgage Rates

up to 50% LTV

5.95% rate & 2% lender fee
6.95% rate & 1% lender fee
7.95% rate & 0% lender fee

up to 65% LTV

6.45% rate & 2% lender fee
7.45% rate & 1% lender fee
8.45% rate & 0% lender fee

up to 70% LTV

6.95% rate & 2% lender fee
7.95% rate & 1% lender fee
8.95% rate & 0% lender fee

up to 75% LTV

7.45% rate & 2% lender fee
8.45% rate & 1% lender fee
9.45% rate & 0% lender fee

2nd Mortgage Rates

up to 50% LTV

8.45% rate & 2% lender fee
9.45% rate & 1% lender fee
10.45% rate & 0% lender fee

up to 65% LTV

8.95% rate & 2% lender fee
9.95% rate & 1% lender fee
10.95% rate & 0% lender fee

up to 70% LTV

9.45% rate & 2% lender fee
10.45% rate & 1% lender fee
11.45% rate & 0% lender fee

Elevation – split fee

1 year open term | 50% Lender Fee & 50% Brokerage Finder’s Fee

Elevation Mortgage Rates PDF

1st Mortgage Rates

up to 50% LTV

6.45% rate & 3% lender fee

up to 65% LTV

6.95% rate & 3% lender fee

up to 70% LTV

7.45% rate & 3% lender fee

up to 75% LTV

7.95% rate & 3% lender fee

2nd Mortgage Rates

up to 50% LTV

8.95% rate & 3% lender fee

up to 65% LTV

9.45% rate & 3% lender fee

up to 70% LTV

9.95% rate & 3% lender fee

Rate Surcharges

Acreages: +0.50%
Non-resident borrowers: +0.50%
Holding Companies: +0.25%
Rural/small towns (pop <10k): +0.25%

General Terms

$345 documentation fee
Amortization, up to 40 years
Interest only considered on 1st mortgages up to 70% LTV
Renewals offered to borrowers in good standing, at our 0% Lender Fee rate at the time the renewal is issued. Renewal fee 0.25% of outstanding balance at maturity (min $250)

All rates are subject to approval and/or change without notice. Adjustments may be made based on use of funds, strength of borrower and location, type & condition of property

Underwriting Team: underwriting @threepointcapital.ca
Loren Hawkins, Director Broker Relations – Western Canada: loren@threepointcapital.ca
Justin Theriault, Director Broker Relations – Eastern Canada: justin@threepointcapital.ca