Gentai Capital
Richmond, BC based mortgage investment manager funding first and second residential mortgages up to 75% LTV in BC, Alberta and Ontario, from $100,000 to $5 million. One-year interest-only terms with no GDS or TDS ratio requirements. It lends British Columbia, Alberta, Ontario.
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, Ontario
Good to know
- Lender fee of 1% to 2% applies, plus any broker fee
- Published minimum credit score of 620
- One-year interest-only terms; urban properties preferred, suburban and rural reviewed case by case
- Private/MIC lending carries higher rates; plan an exit strategy
How to reach Gentai Capital
Available both directly and through a mortgage broker. This is educational information, not a rate quote; confirm current rates and terms directly.
Visit Gentai CapitalEducational summary; rates, terms, and approval are set by the lender.
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Other mic & private lenders
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.