X Capital Financial · FSRA Brokerage Lic. #13187

Mortgage solutions
structured properly.

From first-time buyers to investors stacking 50-year amortizations on CMHC MLI Select — every file gets structured for the long term, not just closing day.

Free pre-approval consultation
What I structure
Every mortgage situation has a path.
🏡

Purchase

Pre-approvals, rate holds, conditional offers. Know exactly what you can afford — and what you shouldn't.

  • First-time buyer programs
  • RRSP Home Buyers' Plan
  • 30-year amortizations (insured)
  • FHSA strategy
🔄

Refinance & Renewal

90 days before renewal is when I want to hear from you. Most clients save thousands without switching lenders.

  • Rate negotiation
  • Equity take-out
  • Debt consolidation
  • HELOC structuring
💼

Self-Employed

Stated income, BFS programs, alternative lenders. Your tax returns aren't the whole story — and the right lender knows that.

  • Stated income programs
  • Bank statement underwriting
  • B-lender access
  • Commission-based income
📈

Investment Property

CMHC MLI Select, multi-family stacking, BRRR — I model the file before we apply.

  • 5-plex+ via MLI Select
  • 50-year amortization options
  • Portfolio refinancing
  • Rental property pre-approval

Private & Alternative

Bridge loans, second mortgages, power of sale rescue — short term, equity-based lending with a clean exit.

  • Bridge financing
  • Construction draws
  • Private 1st & 2nd mortgages
  • Equity take-out outside A-channel
🌍

New to Canada

Newcomer programs, thin credit files, foreign income — there's a path to financing if you know which lenders to call.

  • Newcomer programs
  • Foreign income underwriting
  • Credit-rebuilding strategy

Run the numbers first.

Free Ontario calculator — payment, LTT, CMHC, stress test, closing costs.

Open the calculator →
How it works
Four steps. No surprises.
01

Free consult

30 minutes. Goals, income, timeline. Honest conversation.

02

Pre-approval

Documents in. Numbers locked. Rate held up to 120 days.

03

Lender match

Best rate + best fit. Sent to the lender most likely to approve cleanly.

04

Close

Coordinated with your lawyer — and your Realtor, if that's me too.