Paradigm Mortgage

At ThreePoint Capital, we are a private Canadian non-bank mortgage lender that provides residential mortgage financing solutions to borrowers in marketable urban communities across British Columbia, Alberta, and Ontario. Our approach is based on a disciplined and borrower-centric approach, where we prioritize the borrower's capacity to repay and focus only on real estate sectors with acceptable risk profiles.

Our Business

Our business model is designed to service a growing segment of the mortgage market that is not being met by larger financial institutions. We achieve this by providing mortgage financing for borrowers who have the capacity to repay, but do not qualify for institutional financing. We believe that this approach provides a strong opportunity for attractive returns for our investors, while also providing a valuable service to our borrowers.

Investing in Real Estate

Investing in real estate offers security, but owning it can be risky when markets soften. Mortgage investment Corporation (MIC) investing offers downside protection relative to an equity investment when real estate values decline. We lend, on average, 55% to 65% of the value of a home, which means our portfolio can absorb a drop in the housing market with minimal expectation of loss to the portfolio as a whole.

Our Portfolio

As of March 31st, 2024, our portfolio consists of a diverse range of mortgages, with an average size of $434,841, a weighted average interest rate of 10.19%, and a portfolio average loan-to-value of 54.9%. We are proud to offer a high-quality portfolio with a strong track record of performance.

Our Team

At ThreePoint Capital, we are dedicated to building a strong and knowledgeable team that is committed to delivering exceptional service to our borrowers and investors. Our team is comprised of experienced professionals with a deep understanding of the mortgage industry.

Community Involvement

At ThreePoint Capital, we are committed to giving back to our community. We believe that our success is not just measured by our financial performance, but also by the positive impact we have on the communities we serve. Our employees are also encouraged to volunteer for local causes and are provided with a day off from work each year to participate in charitable activities.

Associations

We are proud to be a member of several industry associations, including the Kelowna Chamber of Commerce, the BC MIC Managers Association, the Canadian Mortgage Brokers Association, and the Private Capital Markets Association, among others.

Our Mission

At ThreePoint Capital, our mission is to deliver exceptional service to our borrowers and investors while providing a strong return on investment. We are committed to building a strong and sustainable business that creates value for all stakeholders.

Our Values

Our values are built around a commitment to integrity, discipline, and a passion for innovation. We believe in treating our borrowers and employees with respect, and in always putting their needs first. We are dedicated to building strong relationships and creating a positive impact in our communities.