Threepoint Capital mortgage — a broker's perspective
BC-based alt-A and private mortgage lender. Active in residential 1st and 2nd mortgages with equity-based underwriting. Strong on power-of-sale rescues and CRA-debt refinances.
Who is Threepoint Capital?
BC-based alt-A and private mortgage lender. Active in residential 1st and 2nd mortgages with equity-based underwriting. Strong on power-of-sale rescues and CRA-debt refinances.
Threepoint Capital sits within the alt-a / b-lenders tier of Canada's mortgage market. For files A-lenders decline: BFS, bruised credit, complex income. Rate premium of 75-150 bps. We map the A-lender exit.
From thousands of funded files across 99+ Canadian lenders, our brokerage has placed thousands of mortgages with Threepoint Capital and we know their underwriting appetite intimately — what they say yes to, what they push back on, and what file structure gets a clean approval the first time. Threepoint Capital fills the gap between A-lender bank decline and private-mortgage territory — competitive pricing on files that don't fit clean bank boxes.
What we send to Threepoint Capital.
From thousands of funded files across 99+ Canadian lenders, here’s what we know about Threepoint Capital’s preferences.
Threepoint Capital rate context — May 13, 2026
We can't publish lender-specific rates by name (lender confidentiality + daily-changing rate sheets), but here’s the live market context for alt-a / b-lenders pricing today. Your actual Threepoint Capital rate depends on file strength, term, insurance status, and product family.
Threepoint Capital funds these mortgage types
As a broker we access Threepoint Capital’s full broker-channel product menu. Explore the relevant product page for your file.
How we work with Threepoint Capital
We’re not employees of Threepoint Capital. We’re an independent FSRA-licensed brokerage that submits files to Threepoint Capital on your behalf when they’re the best fit — and to a different lender when they’re not.
5-minute call to understand your file — income, credit, down payment, property, timeline. No bureau pull to start.
We benchmark your file against 99+ lenders' appetite, not just Threepoint Capital. If they're the best fit, we go there. If not, we go elsewhere.
Full document package to Threepoint Capital's broker desk — structured the way their underwriters want to see it for clean first-time approval.
Conditional approval → conditions cleared → lawyer instruction → funding. We project-manage every milestone end-to-end.
Is Threepoint Capital a good fit for your file?
Honest take from thousands of funded files. We send the right file to the right lender — not the loudest one.
Strong fit for
- ✓Self-employed with 1-2 years of incorporation
- ✓Bruised credit (500-680 Beacon) with a clear story
- ✓Stated-income BFS files A-lenders decline
- ✓Borrowers exiting a power-of-sale or consumer proposal
Probably not the right fit if
- !Clean salaried files (better priced at an A-lender)
- !Beacons under 500 (usually private territory)
- !Files needing 90%+ LTV (alt-A typically caps 75-80%)
Not sure where your file fits? Start a free pre-qualification and we’ll diagnose your fit across 99+ lenders — without a bureau pull to begin.
Other alt-a / b-lenders we shop alongside Threepoint Capital
Same tier, often comparable rates. We benchmark Threepoint Capital against these every time.
Threepoint Capital mortgage broker — major Canadian cities
We place Threepoint Capital files across Canada. Tap your city for local market context and start a pre-qualification with your file in mind.
Don’t see your city? Browse all Canadian markets — we lend nationally.
Going direct to Threepoint Capital vs. through us
Same lender, different access points. Here’s what changes when you go through a broker.
| Aspect | Direct with Threepoint Capital | Through Mortgage Squad Advisors |
|---|---|---|
| Rate sheet | Broker-channel only — no direct retail access | Direct broker-channel access — our day-one cost |
| Lenders shopped | Just Threepoint Capital | 99+ lenders incl. Threepoint Capital |
| If declined | Application ends; reapply elsewhere | Re-route to next-best lender same day |
| Cost to borrower | $0 — bank pays its own staff | Disclosed up front (private/alt files only) |
| Underwriting strategy | Threepoint Capital's lens only | We structure your file to Threepoint Capital's preferences before submission |
| Renewal benchmarking | Threepoint Capital sends a single offer; you accept or counter | We benchmark across 99+ lenders 120 days before renewal |
Same Threepoint Capital loan documents. Different shopping power. Start a pre-qualification to see what your file looks like across 99+ lenders.
What are Threepoint Capital's current mortgage rates in Canada?
How do I qualify for a mortgage with Threepoint Capital?
Is Threepoint Capital a good mortgage lender?
Can I switch to Threepoint Capital at renewal?
Does Threepoint Capital work with self-employed borrowers?
How long does Threepoint Capital take to approve a mortgage?
What's the difference between Threepoint Capital branch rates and broker rates?
Does Threepoint Capital offer pre-approvals?
What prepayment privileges does Threepoint Capital offer?
What if Threepoint Capital declines my mortgage application?
Editorial commitment
This page is an editorial profile written from our brokerage’s perspective. We are not employed by Threepoint Capital and receive no payment from Threepoint Capital for this content. We compensate-disclose: on A-lender files the lender pays our brokerage compensation, and we earn the same regardless of which A-lender funds your file — so our recommendations are rate-agnostic. Rates and program details are reviewed quarterly; last reviewed May 13, 2026.
Pillar guides relevant to Threepoint Capital files
In-depth playbooks paired with the product types Threepoint Capital funds. Free, no email required.
Refinancing isn't always a win. This guide gives you the spreadsheet we use internally: penalty + fees vs. monthly savings + break-even, with three worked scenarios (rate drop, debt consolidation, equity take-out).
Bad credit, missed payments, consumer proposal, recent bankruptcy — a clear-eyed guide to what's actually possible, what it costs in rate premium, and how to refinance back to A-lender pricing in 12-24 months.
Browse other lender tiers
Same broker. Different lender appetite.