Resources
Plain English for borrowers and brokers. No marketing fluff. Written by our underwriting team and updated quarterly.
GUIDE · Featured
Most homeowners should never use private capital. For the small minority who should, the math is unambiguous. A practical decision framework based on cost, time-to-fund, and exit window.
12 min read
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EXPLAINER
Mortgage investment corporations are a CRA-recognised flow-through vehicle. Here is what they actually do under the hood, and why the yield is structurally higher than corporate bonds.
BROKER
How brokers submit a deal, what we send back, and how broker fees are handled. Includes our broker compensation grid for 2026.
BORROWER
If your file is strong, your exit plan is half the underwriting. The five exit narratives we see most often, ranked by approval rate.
EXPLAINER
OSFI’s B-20 stress test isn’t a credit failing — it’s a regulatory math problem that catches plenty of A-grade files. A primer on what’s actually happening.
BORROWER
Conditions precedent, prepayment privileges, holdbacks, default-rate triggers — the seven clauses that matter most, with examples of fair and unfair language.
BROKER
MICs and individual private syndicators serve different sweet spots. Loan size, timeline, and file complexity dictate where to take it.
