Three Point Capital Mortgage Lender Profile
Generally for Owners with real equity and capacity to pay who fall outside bank guidelines and need a one to two year mortgage.
Who they are
Three Point Capital Corp. Is a mortgage investment corporation based in Kelowna, British Columbia. It does not deal directly with the public: a licensed broker has to prepare and submit your file for you. The company underwrites and funds alternative residential mortgages in British Columbia, Alberta and Ontario, concentrating on marketable properties in urban centres and stable secondary markets. Its capital comes from investors: an affiliated firm, Three Point Capital Wealth Management Inc., is an exempt market dealer registered in British Columbia and Alberta that distributes the corporation's shares. Three Point is registered as a mortgage broker with the BC Financial Services Authority.
What they lend on, and who for
Three Point lends on first and second residential mortgages, covering purchases, refinances, revenue and vacation properties, charges secured across more than one property, and residential construction draw mortgages. You may hold title personally or through a holding company. Terms are generally structured over one to two years, often with fully open options, on the expectation that you refinance back to a traditional lender. Its typical clients hold meaningful equity and have the capacity to pay, but fall outside bank guidelines. Lending guidelines, rates and the locations it will lend in are published on the company's own website.
How to approach Three Point Capital
You can contact Three Point 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 |
| Registered as | Three Point Capital Corp. |
| Head office | 210 - 1980 Cooper Road, Kelowna, BC V1Y 8K5 |
| Website | threepointcapital.ca |
| Phone | 1-800-979-2911 |
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 Three Point 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 Three Point 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 Three Point Capital
Is Three Point Capital a real mortgage lender?
Yes. Three Point Capital is a private (mic) based in British Columbia. Its own site is threepointcapital.ca.
What kind of lender is Three Point Capital?
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 Three Point 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 Three Point 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 Three Point 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 Three Point Capital lend?
Its head office is in British Columbia. 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 Three Point 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