Strive Mortgage Lender Profile
Generally for Borrowers working with a mortgage broker who want a prime mortgage, or an alternative one if they do not fit prime guidelines.
Who they are
Strive Capital Corporation is a Canadian residential mortgage lender that launched in September 2021. It was founded by a group of executives who previously ran lending and credit operations at Street Capital, including chief executive Marty Frenette. It is CMHC-approved and licensed in Ontario under FSRA licence number 13322, with its head office at 110 Yonge Street in Toronto and a second office in Calgary. Strive works through the mortgage broker channel. It lends exclusively through mortgage brokers, and a licensed broker submits your file on your behalf. Its regional sales representatives cover Atlantic Canada, Quebec, Ontario, the Prairies, Alberta and British Columbia.
What they lend on, and who for
Strive works on both sides of the market. Its core Strive Capital business is a prime lender offering insured, insurable and uninsured residential mortgages. Aspire by Strive is its alternative lending brand, for borrowers who do not fit prime guidelines. Among its offerings the company highlights programs for people who are self-employed and for rental properties, and it runs a client portal, MyStriveMortgage, for borrowers. Because it is a broker-only lender with no retail branches, your broker keeps the relationship with you, and the company has said publicly that it treats the broker channel as its primary way of reaching borrowers.
How to approach Strive
You can contact Strive yourself; nothing stops you. What you cannot easily find out is what they will actually accept. How they read self-employed income, which add-backs they allow, how they treat rental income, and what they will accept in place of the documents you cannot produce — 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 | Monoline |
| Registered as | Strive Capital Corporation |
| Head office | 110 Yonge Street, Suite 1704, Toronto, ON M5C 1T4 |
| Website | strivecapital.ca |
| Phone | 1-833-256-0573 |
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 Strive
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 Strive?
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 Strive
Is Strive a real mortgage lender?
Yes. Strive is a monoline based in Ontario. Its own site is strivecapital.ca.
What kind of lender is Strive?
Monoline. Mortgages and nothing else, sold through brokers. Best pricing in the market and usually the fairest penalty formulas. Most Canadians have never heard of them, which is exactly what this directory is for.
Should I go to Strive 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 Strive 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 Strive 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 Strive 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 Strive 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