Three Point Capital
Kelowna-based mortgage investment corporation lending on primarily first-position residential mortgages in BC, Alberta, and Ontario. Works exclusively through licensed mortgage brokers and offers a no-lender-fee option with low renewal and discharge fees. 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
- Broker-only; borrowers cannot apply directly
- Some product tiers carry a 3 percent combined lender and brokerage fee; a no lender fee tier is also offered
- First mortgages up to $1,750,000 on a single property ($3,000,000 across multiple properties); second mortgages to $500,000
- Lends in listed urban centres of BC, AB and ON only
- Short 1 to 2 year terms
How to reach Three Point 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 Three Point 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.