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Flexible.
Easy.
Ethical.

Partnering with Mortgage Brokers & Agents across Ontario
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Competitive Rates

Access to fair and competitive rates across the board

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Flexible Options

We offer flexible options for residential first & second mortgages

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Quick Turnaround

You'll have a commitment letter within 24hrs of a submission

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Make XCAP.CA your home for
Mortgage Lending & Investing

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CUSTOM LENDING SOLUTIONS

We build Flexible, Easy & Ethical Mortgage Lending Solutions fit for your Life

Mortgage Lending

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First Mortgages

  • Deal size: $100,000 - $2,000,000*

  • Min. 50k city population (excludes Northern ON)

  • No GDS/TDS or income requirements

  • Prepaid mortgage options available

  • Larger deals are considered on a case-by-case basis

  • No Income

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Second Mortgages

  • Deal size: $25,000 - $350,000*

  • No GDS/TDS or income requirements

  • Prepaid mortgage options available

  • No Fee option now available

  • Larger deals are considered on a case-by-case basis

  • No income

6-MONTH OPEN

1st Mortgage

Prime 7.20% Variable Rate

Interest Only Payments

6 MONTH

LTV  /  55% & Below
LTV  /  56%  -  60%
LTV  /  61%  -  65%
RATE
FEE
8.49%
1.25%
8.75%
1.25%
8.99%
1.25%

CLASSIC

1st Mortgage

Prime 7.20% Variable Rate

Interest Only Payments

1 YEAR

LTV  /  55% & Below
LTV  /  56%  -  60%
LTV  /  61%  -  65%
RATE
FEE
8.49%
1.75%
8.75%
1.75%
8.99%
1.75%
LTV  /  66%  -  70%
LTV  /  Up to 75%
9.25%
1.75%
9.49%
1.99%

CLASSIC

2nd Mortgage

Prime 7.20% Variable Rate

Interest Only Payments

1 YEAR

LTV  /  75%
RATE
FEE
11.99%
2%

Additional Information: Base rates are subject to increase pending review of the application. Rate surcharges apply, credit below 650, Refinances, Rentals and Corporate Borrowers. ±75% LTV purchase only (GTA)

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CONTACT US

Thanks for submitting!

489 Queen St E, Suite 202, Toronto, ON,

M5V 1V1

contact
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