Alta West Capital Mortgage Lender Profile
Generally for Self-employed people, borrowers with impaired or rebuilding credit, and property investors who cannot meet a bank's qualification standards.
Who they are
Alta West Capital has been a Canadian alternative mortgage lender and fund manager since 1991, which makes it one of the longer-established private lending groups based in Calgary. The lending is carried on through Alta West Mortgage Capital Corporation, which is registered as a mortgage broker in British Columbia and licensed in Ontario as both a mortgage brokerage and a mortgage administrator. There is a branch office in Kelowna, and Premiere Home Mortgage has been added as a subsidiary. Alongside lending, the firm manages mortgage funds and raises money from investors who are looking for monthly distributions.
What they lend on, and who for
Alta West lends to people who do not meet the qualification standards banks apply. Most of its business comes through mortgage brokers, but it also accepts enquiries directly from borrowers. The focus is residential mortgage financing secured by Canadian real estate, including short-term and bridge-style solutions, refinancing and debt consolidation, equity take-out, and its Flexline home equity line of credit. Typical clients are self-employed, have impaired credit or are rebuilding it, or own investment property. Terms are set case by case rather than published, so what you are offered depends on your own file.
How to approach Alta West Capital
You can contact Alta West Capital yourself; nothing stops you. What you cannot easily find out is what they will actually accept. What loan-to-value they will genuinely go to on your property, what exit they want to see, what the lender fee comes to, and how fast they can fund — none of that is published in full anywhere, and it moves.
A licensed broker who places files with lenders like this every week knows those criteria, and more usefully knows how to structure a file so it lands inside them rather than just outside. On anything that is not a straightforward salaried purchase, that structuring is most of the difference between an approval and a decline. It costs you nothing on a prime mortgage — the lender pays the broker when it funds.
| Lender type | Private · MIC |
| Trade name of | Alta West Mortgage Capital Corporation |
| Head office | 810 - 10201 Southport Road SW, Calgary, AB T2W 4X9 |
| Website | awcapital.ca |
| Phone | 1-888-554-9075 |
Get notified 90 days before your renewal
Your lender contacts you at 30 days, when you have no time to shop. We reach you at 90 — early enough to lock a hold and personalize your offers.
Borrower ratings for Alta West Capital
In today’s world, reviews dictate the service industry. Brokers have taken the hit for bad lenders. We bring the consumer experience to light to help borrowers decide.
How quickly did they issue a commitment and get to funding?
Was the rate you got competitive for the product you qualified for?
Could you reach someone, and did they resolve things?
Portal, e-signing, document upload, online account — did it work?
Were the terms, fees and penalties clear before you signed?
Worked with Alta West Capital?
Score them on the five things above. We confirm every review by email before it publishes, and we publish the bad ones too.
Questions about Alta West Capital
Is Alta West Capital a real mortgage lender?
Yes. Alta West Capital is a private (mic) based in Alberta. Its own site is awcapital.ca.
What kind of lender is Alta West Capital?
Private — categorised in our directory as MIC/Private. Equity lenders — the property matters more than the borrower. Short terms, higher rates, lender fees, and speed. Right for a genuinely temporary problem, wrong as a destination.
Should I go to Alta West Capital directly or through a broker?
You can approach them yourself. The reason most people do not is that a lender's real criteria — how income is read, what is accepted as documentation, what will be allowed as an exception — are not published, and they change. A broker who works with Alta West Capital regularly knows them and knows how to present a file to fit them, which on anything other than a simple salaried purchase is usually what decides the answer. On a prime mortgage it costs you nothing either way, because the lender pays the broker when it funds.
Would Alta West Capital approve me?
No profile page can answer that, and any site that tries is guessing. It turns on how your income is earned and how much of it a lender will count, your credit history, the property itself, and how much you need against what it is worth. Those are the questions a licensed broker asks before naming a lender — and they will tell you which ones realistically fit, this one included, and which would price it better.
Where does Alta West Capital lend?
Its head office is in Alberta. Lending areas change and are not always the same as where the lender is based — confirm current coverage with the lender or a broker before planning around it.
Would Alta West Capital take your file?
Send us the details and a licensed broker will tell you which lenders fit — this one included, and the ones that would price it better.
Send us the file