Threepoint Capital: BC’s Private Mortgage Powerhouse Expanding Across Canada
Founded in the 1990s in Kelowna, British Columbia, Threepoint Capital has built a reputation as a nimble, private non-bank lender focused on delivering fast, flexible residential mortgage solutions.
With deep roots in BC’s urban markets, Threepoint has strategically expanded its reach into Alberta and Ontario’s most marketable communities — providing individuals and businesses with tailored financing options that big banks often can’t match.
Specializing in quick approvals and custom lending strategies, Threepoint Capital is the go-to lender for borrowers seeking smart alternatives to traditional bank mortgages across Western and Central Canada.
Why Threepoint Capital Is Your Go-To Private Lender: Top Mortgage Strengths Explained
Unlock flexible, affordable private lending with Threepoint Capital — discover the game-changing features that make borrowing smarter, faster, and easier for BC, Alberta, and Ontario borrowers.
Flexible Financing up to 75% LTV
Generous loan-to-value ratios that unlock more buying power for your dream property.
No Upfront Fees
Save big with no-fee loan options designed to reduce your initial costs.
Low Renewal Fees
Keep your mortgage affordable over the long haul with minimal renewal costs.
Open Loans After 6 Months
Enjoy early refinancing or payoff flexibility — no penalties after just half a year.
Is Threepoint Capital the smartest move for your mortgage?
I’ll help you find out, no guesswork, just answers.
The Real Deal: What You NEED to Know About Threepoint Capital
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Threepoint Capital proudly serves borrowers across British Columbia, Alberta, and Ontario, focusing on marketable urban communities where private lending can make the difference.
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Currently, Threepoint offers service exclusively in English—delivering straightforward, no-nonsense communication for every client
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They’re a private Mortgage Investment Corporation (MIC), providing flexible, tailored mortgage solutions that traditional banks often can’t match.
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No online portal here — but expect lightning-fast responses via email and phone, so your mortgage questions never get stuck in limbo.
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No brick-and-mortar branches—Threepoint operates entirely online and by phone, keeping things simple and efficient.
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Threepoint’s lending solutions cover:
Owner-occupied homes, revenue properties, and second or vacation homes
Property titles held personally or through holding companies
Loan terms typically around 1 year with amortizations up to 40 years
Interest-only payments considered on first mortgages up to 70% LTV
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Forget cookie-cutter LTVs. Threepoint customizes loan-to-value ratios based on your unique property type, borrower profile, and mortgage size. Their maximum often sits around 75%, but your deal is tailored to fit your exact situation.
📞 Contact & Tools: Everything You Should Know About Threepoint
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210 - 1980 Cooper Road
Kelowna, BC V1Y 8K5
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Phone: 250-979-2911
Toll-Free: 1-800-979-2911
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Fax: 250.762.3297
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info@threepointcapital.ca
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Monday to Friday 8:00 am – 4:00pm (PST)
Threepoint Capital does not accept mortgage applications directly from clients - they work exclusively through brokers (like me!). That means if you're wondering whether their rates, products, or flexibility are the right fit for your next move…
👉 Let’s talk first.
I’ll help you navigate their offerings and see if Threepoint’s the smart choice for your situation - or if another lender can beat them at their own game.
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Heads-Up:
These accounts are helpful if you're into deep dives and industry speak.
But if you want advice that actually applies to you?
👉 [Get in touch with me first.]
I’ll show you if Threepoint'’s the right fit - and how to make your mortgage work harder.
