Forge Your Path to Success. Elevate Your Lending.
Explore our Pathfinder, Elevation, and Horizon Mortgage Rates.
Pathfinder
No Fee or Lower Rate
1 year open term | 0% lender fee option open after 6 months
2 year term + 0.50% | open after 6 months
1st Mortgages
up to 60% LTV
- 5.75% – 2% fee
- 6.75% – 1% fee
- 7.75% – 0% fee
up to 70% LTV
- 6.25% – 2% fee
- 7.25% – 1% fee
- 8.25% – 0% fee
up to 75% LTV
- 6.95% – 2% fee
- 7.95% – 1% fee
- 8.95% – 0% fee
2nd Mortgages
up to 60% LTV
- 8.75% – 2% fee
- 9.75% – 1% fee
- 10.75% – 0% fee
up to 70% LTV
- 9.25% – 2% fee
- 10.25% – 1% fee
- 11.25% – 0% fee
up to 75% LTV
- 9.95% – 2% fee
- 10.95% – 1% fee
- 11.95% – 0% fee
Elevation
Split Fee Program
1 year open term | Balanced Fee Split: 1.50% Lender Fee & 1.50% Brokerage Finder’s Fee
2 year term + 0.50% | open after 6 months
1st Mortgages
up to 60% LTV
- 6.25% – 3% fee
up to 70% LTV
- 6.75% – 3% fee
up to 75% LTV
- 7.45% – 3% fee
2nd Mortgages
up to 60% LTV
- 9.25% – 3% fee
up to 70% LTV
- 9.75% – 3% fee
up to 75% LTV
- 10.45% – 3% fee
1 year open term | Weighted Fee Split: 2% Lender Fee & 1% Brokerage Finder’s Fee
2 year term + 0.50% | open after 6 months
1st Mortgages
up to 60% LTV
- 5.75% – 3% fee
up to 70% LTV
- 6.25% – 3% fee
up to 75% LTV
- 6.95% – 3% fee
2nd Mortgages
up to 60% LTV
- 8.75% – 3% fee
up to 70% LTV
- 9.25% – 3% fee
up to 75% LTV
- 9.95% – 3% fee
Horizon
Closed Term
1 year closed term | 3 month prepayment penalty | Weighted Fee Split: 2% Lender Fee & 1% Brokerage Finder’s Fee
2 year term + 0.50% | 3 month pre-payment penalty
Minimum Beacon: 625 up to 70% LTV / 650 up to 75% LTV
1st Mortgages
up to 60% LTV
- 5.35% – 3% fee
up to 70% LTV
- 5.85% – 3% fee
up to 75% LTV
- 6.55% – 3% fee
2nd Mortgages
up to 60% LTV
- 8.35% – 3% fee
up to 70% LTV
- 8.85% – 3% fee
up to 75% LTV
- 9.55% – 3% fee
Rate Surcharges
- Holding Companies: +0.25%
- Rentals: +0.25%
- Acreages: +0.50%
General Terms
- $495 documentation fee
- Amortization, up to 40 years
- Interest only considered on 1st mortgages up to 70% LTV
Renewals
- 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 $500)
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