Richview Capital MIC Inc. Mortgage Lender Profile
Generally for Ontario owners, builders and investors needing short-term first or second mortgage financing, including construction, bridge, land and commercial deals.
Who they are
Richview Capital MIC Inc., which also appears online as Richview Capital Corp. And Richview Capital MIC, is a mortgage investment corporation based in Woodbridge, Ontario, north-west of Toronto. It is licensed in Ontario under number 13171 and describes a leadership team with more than forty years of combined experience across private lending, banking and mortgage financing. It raises money from investors, with a stated minimum investment of one hundred thousand dollars, and pays distributions each March, June, September and December. Its shares are stated to be eligible for RRSP, TFSA, RRIF, LIRA, RESP and LIF accounts. Richview says it does not compete with the brokers who bring it business.
What they lend on, and who for
Richview lends across Ontario, including the Greater Toronto Area, Hamilton and Ottawa, on urban, suburban and selected rural properties. Its published range covers first and second mortgages, construction financing in first or second position, bridge loans, land acquisition and development financing, readvanceable home equity lines of credit, refinancing, and commercial mortgages on multi-family, office, retail and industrial property. Standard terms run six to twelve months on an open or closed basis, with bridge facilities from one to ninety days. The lender states that it gives feedback the same day, which matters when you are working to a deadline.
How to approach Richview Capital MIC Inc.
You can contact Richview Capital MIC Inc. 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 |
| Head office | 7681 Highway 27, Unit 15, Suite 200, Woodbridge, ON L4L 4M5 |
| Website | richviewcapital.com |
| Phone | 416-307-2336 |
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 Richview Capital MIC Inc.
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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 Richview Capital MIC Inc.?
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 Richview Capital MIC Inc.
Is Richview Capital MIC Inc. a real mortgage lender?
Yes. Richview Capital MIC Inc. is a private (mic) based in Ontario. Its own site is richviewcapital.com.
What kind of lender is Richview Capital MIC Inc.?
Private — categorised in our directory as MIC. 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 Richview Capital MIC Inc. 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 Richview Capital MIC Inc. 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 Richview Capital MIC Inc. 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 Richview Capital MIC Inc. lend?
Its head office is in Ontario. 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 Richview Capital MIC Inc. 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