Graysbrook Capital Ltd.
Halifax-based private lender with roughly 20 years of operation, covering Nova Scotia, New Brunswick, PEI, Newfoundland and Labrador, and southern Ontario. Offers short-term residential first and second mortgages up to 75% loan to value with no early payout penalties. It lends Nova Scotia, New Brunswick, Prince Edward Island, Newfoundland and Labrador, 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
- Refinances and equity take-outs
- Construction and new-build financing
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
- Construction / new build
Features
- Prepayment privileges (pay extra without a penalty)
Rate types
- Fixed rates
Where it lends
Nova Scotia, New Brunswick, Prince Edward Island, Newfoundland and Labrador, Ontario
Good to know
- Primarily broker-channel: apply through a mortgage broker partner.
- LTV depends on location; up to 75% in stronger markets.
- Private lending: 12 to 24 month terms with higher rates and fees than banks; an exit strategy is required.
How to reach Graysbrook Capital Ltd.
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 Graysbrook Capital Ltd.Educational 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.