AP Capital
Vancouver mortgage investment corporation established in 2007 that funds residential first and second mortgages up to 75% LTV in urban BC and Alberta. Deals run $50,000 to over $2 million, typically on one-year open terms. It lends British Columbia, Alberta.
Prepayment-penalty method
Standard penalty (about three months' interest)
Breaking early is penalized at roughly three months' interest, an open-style penalty that is generally on the lower, more predictable end.
See what breaking a mortgage early could costWho it tends to fit
- Self-employed and business-owner borrowers
- Buyers of rental or investment property
- Refinances and equity take-outs
General signals only. Approval depends on the full application; a lender that fits on paper still has to say yes.
What you can do with it
- Buying a home
- Refinancing
Rate types
- Fixed rates
Where it lends
British Columbia, Alberta
Good to know
- Broker-only: applications accepted solely through licensed mortgage brokers
- Focuses on marketable detached homes in urban centres, mainly BC's Lower Mainland and Fraser Valley
- Case-by-case pricing with lender fees; first mortgages from about 6.95% and seconds from about 8.45%
- Typically one-year open terms; some files carry minimum interest requirements or prepayment fees
How to reach AP Capital
Available only through a licensed mortgage broker, not directly to the public. This is educational information, not a rate quote; confirm current rates and terms directly.
Visit AP CapitalEducational summary; rates, terms, and approval are set by the lender.
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Educational information about Canadian mortgages, not financial or mortgage advice. This tool is offered by Jordan Avery, Mortgage Agent (Level 2), Licence M23999999 · Maple Key Mortgages Inc., FSRA Brokerage Licence 13999 and operated by LenderSearch; figures are estimates. Confirm all rates, terms, and eligibility directly with the lender before acting.