Business Details
31 Years
experience
Your Trusted Mortgage Investment Partner
Three Point Capital has established itself as a leader in alternative mortgage lending, driven by over three decades of industry expertise. Our disciplined underwriting policies ensure stable investment opportunities for clients seeking predictable returns through residential mortgage portfolios. We specialize in bridging gaps for borrowers who do not qualify for traditional financing, leveraging a professional network of mortgage brokers across British Columbia, Alberta, and Ontario. Our commitment to transparency and efficiency extends to every interaction, whether supporting brokers with innovative lending solutions or delivering consistent dividends to investors.With a focus on first-position residential mortgages, we maintain rigorous risk management standards while prioritizing community-focused real estate stability. Our dual role as both lender and investment vehicle allows us to align the interests of borrowers, brokers, and investors within a framework of ethical financial practices. This integrated approach has solidified our reputation as a trusted partner in private mortgage markets, emphasizing long-term relationships over transactional interactions.
Services
Residential 1st Mortgages
Residential 2nd Mortgages
Inter Alia Mortgages
Construction Draw Mortgages
Pathfinder Program
Elevation Program
MIC Investment Opportunities
Private Mortgage Lending
Broker Support Services
Investor Dividend Programs
Details
- Year established: 1995
Highlights and features
- Over 30 years of experience in alternative mortgage lending and investment management
- Disciplined underwriting policy ensuring stable residential mortgage investments
- Predictable pricing with no lender fees on select mortgage products
- Supportive partnership model for mortgage brokers across three Canadian provinces
- Transparent renewal process with penalty-free payouts and flexible terms
What people say
Outstanding lending partner
Incredibly approachable team
Seamless mortgage experience
Flexible financing solutions
Trusted business partner
Services
Residential 1st Mortgages
Three Point Capital offers first-position residential mortgages with loan-to-value ratios up to 75%, serving borrowers who require alternative financing solutions. These mortgages cater to purchase, refinance, or revenue property needs with flexible 1-year terms and options for interest-only payments. The program emphasizes marketable urban properties in British Columbia, Alberta, and Ontario, ensuring liquidity and stability for investors while providing accessible financing for qualified borrowers.
Residential 2nd Mortgages
Our second-mortgage program provides additional financing options for residential properties with maximum loan-to-value ratios of 70%. Designed for borrowers needing supplementary funds, these mortgages complement primary financing arrangements while maintaining strict risk management protocols. The program supports various property types including owner-occupied homes, investment properties, and vacation residences across three key Canadian provinces.
MIC Investment Opportunities
As a Mortgage Investment Corporation, we offer dividend-paying investment opportunities secured by diversified residential mortgage portfolios. Investors receive monthly returns with annual top-up dividends, benefiting from professional management and strict loan-to-value controls typically below 60%. These RRSP/TFSA-eligible investments combine real estate security with liquidity, distributing 100% of net earnings annually to shareholders.
Pathfinder Program
The Pathfinder program enables mortgage brokers to tailor financing solutions with flexible rate and fee structures. This innovative approach allows customization for unique borrower circumstances while maintaining underwriting integrity. Brokers can select from various pricing options without lender fees, ensuring competitive positioning in dynamic real estate markets across Western and Central Canada.
Elevation Program
Our Elevation program offers a 3% split fee structure with 50% allocated to lenders and 50% to brokerage finders fees. This model enhances broker compensation while maintaining attractive pricing for borrowers. The program supports efficient funding processes and transparent renewals, particularly beneficial for complex financing scenarios requiring collaborative solutions between brokers and lenders.
People
Ryan Lee
President & Chief Executive Officer
With over 30 years in mortgage finance, Ryan Lee leads Three Point Capital's strategic direction as President & CEO. His expertise in alternative lending frameworks and investor relations drives the company's growth while maintaining strict risk management standards. Lee actively promotes ethical lending practices across Canadian markets.
Marylyn Needham
Chief Financial Officer
Marylyn Needham oversees financial operations and compliance for Three Point Capital. With dual roles as CFO and Chief Compliance Officer, she ensures fiscal integrity and regulatory adherence across mortgage investment programs. Her leadership maintains the company's audited financial transparency and investor trust.
Brad Graham
Chief Credit Officer
As Chief Credit Officer, Brad Graham directs underwriting standards and risk assessment protocols. His mortgage brokerage experience informs credit policies that balance accessibility for borrowers with security for investors, maintaining Three Point's disciplined lending approach across Western Canada.
Loren Hawkins
Director, Broker Relations
Loren Hawkins leads broker relations for Western Canada, fostering partnerships between Three Point Capital and mortgage professionals. His team ensures responsive support and market-specific solutions, strengthening the company's network of licensed brokers in British Columbia and Alberta.
Justin Theriault
Director, Broker Relations
Justin Theriault manages broker relationships in Eastern Canada, focusing on Ontario markets. He facilitates communication between mortgage brokers and underwriting teams, ensuring efficient processing and tailored solutions for complex financing requirements in Canada's largest province.
Questions
What mortgage options are available for borrowers requiring alternative financing?
Three Point offers residential first- and second-mortgages, inter alia mortgages, and construction draw mortgages through licensed brokers, with flexible terms and loan-to-value ratios up to 75%.
How do mortgage brokers benefit from partnering with Three Point Capital?
Brokers gain access to innovative programs like Pathfinder and Elevation, featuring customizable rate/fee structures, split fees, and dedicated support from underwriting specialists across three Canadian provinces.
What geographic areas does Three Point Capital serve?
We operate in marketable urban locations across British Columbia, Alberta, and Ontario, including major centers like Vancouver, Calgary, Edmonton, Toronto, and surrounding regions.
What renewal options exist for existing Three Point Capital mortgages?
Mortgages typically renew with a 0.25% fee (minimum $250) at current market rates. Borrowers receive renewal offers 3-6 weeks before maturity with flexible payout options.
How does Three Point Capital ensure investment security for shareholders?
All mortgages are secured against Canadian residential properties, primarily in first position, with loan-to-value ratios below 60% LTV. Diversified portfolios and professional management mitigate market fluctuations.
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