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Brokers

Caplink Financial Corporation (Caplink) is an Edmonton based private mortgage lender with over 28 years of lending history in Western Canada.

Due to its experience and broad funding capabilities Caplink can customize financing packages to accommodate first and second mortgages, blanket mortgages, bridge financing, business for self, poor credit, bankruptcy settlements, foreclosures, hard to verify income and other specialized financing. Caplink will finance residential, commercial, retail, industrial, multifamily, recreational, and acreage properties.

As each application is unique it is important that you discuss your particular needs with a member of Caplink’s Mortgage Origination Team . Please allow us to assist you when conventional lending sources cannot meet your needs.

Leading Areas

Click on a province to learn more about our specific rates and offerings

Leading Areas
British Columbia Alberta Saskatchewan Manitoba

British Columbia

First Mortgages

  • For LTV up to 75%, rates start at 7%
  • For LTV up to 85%, rates start at 7.75%

Second Mortgages

  • For LTV up to 85%, rates start at 12%

Alberta

First Mortgages

  • For LTV up to 75%, rates start at 7%
  • For LTV up to 85%, rates start at 7.75%

Second Mortgages

  • For LTV up to 85%, rates start at 12%

Saskatchewan

(Saskatoon and Regina only)

First Mortgages

  • For LTV up to 75%, rates start at 7%

Manitoba

More information to be available shortly.

*Rates and fees are based on market area, property condition and borrower quality. Subject to change without notice

Residential Products

We are able to explore and finance a variety of residential first and second mortgage products that can be customized to suit your client’s needs throughout Western Canada.

Residential Product Overview

LTVs

First and Seconds

  • 75-85% in major urban centres.
  • Up to 75% on apartment style condos.
  • 65% on urban acreages
  • 50-55% smaller market areas

85% Firsts (Alberta only)

  • 85% in major urban centres. Must have provable income.

Rates & Fees

  • Start at 6.5% for Firsts and 10% Seconds
  • Lender Fees- 2% on Firsts, higher on Seconds (minimum $3500);
  • Broker Fees- You set! (Cannot exceed Lender fee)

Market Area

  • Alberta
  • British Columbia
  • Saskatchewan (must be in corporate name)

Standard Guidelines

  • Terms standard are 1 year, can be longer if requested
  • Amortization up to 30 years or interest only
  • 3 months interest pre-payment penalty on closed mortgages
  • Fully open terms available (rates & fees may be adjusted)
  • Appraisal required on all deals. (CRA or AACI only) Caplink will also have their realtors’ opinion of value. Lesser of which will be used to qualify.
  • All mortgages renewable, low renewal fees.

*Rates and fees are based on market area, property condition, borrower’s ability to pay and income verification (if any). Subject to change without notice

Laptops

Commercial Products

Caplink offers first mortgage financing on commercial, industrial, office, multi-family, and retail properties. With over 28 years of lending experience we can structure your deal to accommodate almost any situation.

Commercial Product Overview

LTVs

First & Seconds

  • 75% in major urban centres or within 10-15 kms of communities with a population of 25,000 and over.
  • 50-65% smaller market areas.

Rates & Fees

Start at 8.5% for Firsts and 11% Seconds o Lender Fees- 2% on Firsts, higher on Seconds (minimum $3500); Broker Fees- You set. (Cannot exceed Lender fee)

Market Area

  • Alberta
  • British Columbia
  • Saskatchewan (must be in corporate name)

Standard Guidelines

  • Terms typically quoted as 1 year (longer if requested)
  • Amortization up to 30 years or interest only
  • 3 months interest pre-payment penalty on closed mortgages o Fully open terms available (rates & fees may be adjusted)
  • Appraisal required on all deals. Must be from approved appraiser list. Caplink will also have their realtors’ opinion of value. Lesser of which will be used to qualify
  • All mortgages renewable, low renewal fees

Additional Requirements

  • May require the following items depending on the deal:
    • Environmental & Mechanical reports
    • Permits, surveyor & engineering reports
    • Other conditions as required