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Competitive Rates
Access to fair and competitive rates across the board

Flexible Options
We offer flexible options for residential first & second mortgages

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


Make XCAP.CA your home for
Mortgage Lending & Investing

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

Mortgage Lending

First Mortgages
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Deal size: $100,000 - $2,000,000*
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Min. 50k city population (excludes Northern ON)
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No GDS/TDS or income requirements
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Prepaid mortgage options available
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Larger deals are considered on a case-by-case basis
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No Income

Second Mortgages
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Deal size: $25,000 - $350,000*
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No GDS/TDS or income requirements
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Prepaid mortgage options available
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No Fee option now available
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Larger deals are considered on a case-by-case basis
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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)

CONTACT US
489 Queen St E, Suite 202, Toronto, ON,
M5V 1V1
contact
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