Highclere Capital
Monoline lender in AB, BC and Ontario for stronger-credit borrowers, with a borrower-fair penalty and a rental worksheet supporting up to seven properties. It lends Alberta, British Columbia, Ontario.
Prepayment-penalty method
Fair, contract-rate penalty
If you break a fixed term early, the penalty is calculated the borrower-friendly way, using your actual contract rate. This is usually far cheaper than a big bank's posted-rate method, and it is one of the biggest hidden costs most people never compare.
See what breaking a mortgage early could costWho it tends to fit
- Self-employed and business-owner borrowers
- Newcomers to Canada building credit here
- Buyers of rental or investment property
- Borrowers with solid credit (around 680+)
- 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
- Renewal or switch
- Refinancing
- Purchase plus improvements (finance renovations into the mortgage)
Features
- Flexible down-payment sources (borrowed or gifted)
- Private-sale purchases (no realtor)
- Portable (move your mortgage to a new home)
Rate types
- Fixed rates
- Variable rates
Where it lends
Alberta, British Columbia, Ontario
Good to know
- Requires a 680 minimum credit score for all applicants
- Six-month open term available only on renewals, not new deals
How to reach Highclere 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 Highclere 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.