ThreePoint’s 1st Mortgage product is designed for borrowers slightly beyond ‘B’ lending criteria, offering a transparent and competitive alternative. Its standout feature is the commitment to upfront clarity; everything from renewal processes to all associated fees is disclosed in the initial commitment letter. This approach ensures borrowers are fully informed from the outset, fostering trust and a clear understanding of the terms. Ideal for those seeking a straightforward and honest mortgage solution, ThreePoint’s 1st Mortgage prioritizes transparency as its competitive advantage, setting a standard for clear communication in the lending industry.

Key details

Max Loan to ValueMax Loan to Value (LTV) is the largest loan you can get based on your home's value. For a $500k house, 80% LTV means you can borrow $400k or pay $100k down. 75% of Home Value
Credit ScoreThe minimum credit score required to qualify. If you don't know your score, reach out and we can help. 600 minimum
Max Amortization 35 years
Mortgage Amount $ 50K - $ 1.5M

Rates and fees

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Disclaimer: This rate table represents the best rates available from this lender. Rates and fees may depend on several factors, such as your Loan to Value, credit history, income, property use, property location, etc. For a precise quote, fill out the form at the bottom of the page for a no-obligation call.

More information

Purchase Refinance Equity Takeout Debt Consolidation Bridge Loan Home Renovation Loan
Property Types
Detached Semi-detached Condo Townhouse Duplex Triplex Fourplex
Borrow More Low Taxable Income Rental Program Self-Employed Income New to Canada Commission Income
Interest-Only Payments Minimal Documents Prior Bankruptcy Prior Consumer Proposal Second Home Foreign Down Payment Holding Company Quick Funding Qualify at Contract Rate

This section lists what the lender either does accept or they may consider on a case-by-case basis depending on the rest of the application. If it’s case-by-case, we try and include a note in the policy details to help give more specific information. But keep in mind alternative (private and ‘b’) mortgages are situation dependent and some of the above items can’t be combined. If you’re unsure or have a question, please fill out the contact form at the bottom of the page or speak with your mortgage professional.

About the Lender

Three Point Capital Corp., a private Canadian non-bank mortgage lender, specializes in providing residential mortgage financing solutions in British Columbia, Alberta, and Ontario. Catering to borrowers in urban communities, the company offers loans to those with the capacity to repay and significant real estate equity but who don't meet traditional financial institutions' criteria. Amidst tightening lending policies, Three Point Capital serves an expanding mortgage market segment, focusing on your needs as a borrower. Their strategic approach prioritizes repayment ability and invests in real estate sectors with acceptable risks to ensure reliable and flexible mortgage options for you

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The content on this website is for informational purposes only and does not constitute professional advice. Policies, rates, and fees are subject to change without notice at the lender’s discretion. There may be additional costs not mentioned on this page. Cost of financing is depends on the situation, and it is the responsibility of your mortgage professional to disclose that information at the time of application. In the event of a discrepancy between this page and the lender, the lender is assumed to be correct. Before making any financial decisions, please consult with a qualified mortgage professional. By using this website, you accept the above statement and our terms and conditions.