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Black Knight Capital, Your Trusted Mortgage Broker
Suppose you are considering refinancing your current home, buying a new property, or seeking access to your home equity. In that case, Black Knight is dedicated to guiding you every step of the way and providing expert advice. Managing finances can be complex, but with our clear, independent advice and access to a range of mortgage options beyond traditional banks, we’ve helped many clients achieve their goals, and we’re here to help you too.
Navigating B-Lending and Alternative Financing
The B-lender and alternative lending sectors are vital for borrowers who may not meet the strict criteria of A-lenders (major banks). This includes:
Individuals with lower credit scores or a recent history of credit repair.
Self-employed professionals with income that is difficult to verify through standard documentation.
Borrowers requiring fast funding for urgent needs or time-sensitive closing dates.
Properties considered non-traditional or requiring renovation financing.
We pride ourselves on quickly assessing your situation and transitioning your mortgage into the appropriate workflow, ensuring you receive the necessary support every step of the way.
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First -Time Home Buyer
Step into the market with confidence. We go beyond standard approvals by integrating the latest 2026 incentives, 30-year amortizations, and the First Home Savings Account (FHSA) into your personalized strategy.
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Private Financing (The "Bridge" Solution)
When the bank says no, we find the 'yes' through our exclusive private lender network. Designed for short-term needs, we provide fast funding with a clear, exit strategy to move you back to prime rates or the very least B lenders
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Refinancing & Equity
Is your mortgage still working for you? Whether you're looking to lower your rate or tap into equity for your next investment, we provide a full digital audit of your current loan to unlock hidden value."
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Self-Employed Mortgage
Tired of the bank focusing on your T4? We use your business's true cash flow and 12 months of bank statements to unlock your borrowing power."
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Debt Consolidation
"Stop struggling with high-interest credit card debt. We help you leverage your home equity to consolidate payments into one low-rate mortgage, instantly improving your monthly cash flow and credit score."
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Reverse Mortgage (Age 55+)
"Unlock your home’s value without the burden of monthly payments. Stay in the home you love while accessing tax-free cash for retirement, healthcare, or family gifts. We specialize in structuring these as strategic wealth-management tools."
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Home Equity (The "Wealth Unlock" Solution)
"Your home is likely your greatest asset—put it to work. Whether you are looking to fund a major renovation, invest in a second property, or access tax-free capital, we specialize in unlocking the maximum equity from your home at the lowest possible cost."
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Newcomer Mortgage
"New to Canada? Your international credit and career potential matter to us. We use specialized newcomer programs—even without a Canadian credit history—to help you secure your first Canadian home faster."
Banks look for reasons to say no. We look for the equity and cash flow to say yes. We specialize in the Strategic Bridge between Big Bank prime rates and Alternative B-Lending."
Our Bread & Butter: Complex Cases & Private Financing
"While the big banks look for reasons to say 'No,' we look for the strategy to say 'Yes.' At Black Knight Capital, our core expertise is navigating the Alternative and Private markets for clients who don't fit the traditional box. Whether you are self-employed, new to Canada, or need to leverage equity quickly, we provide the fast funding and the guaranteed exit strategy you need to stay in control of your financial future."
FAQs
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The duration for obtaining financing approval can differ based on individual circumstances. Generally, you should anticipate a typical timeframe of 3-4 weeks. It's important to remember that various factors may lead to delays in your mortgage approval. Regular communication with your lenders or mortgage agents is essential. Make sure to submit any requested documents promptly; doing so will facilitate a more seamless mortgage experience.
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This is a preliminary evaluation conducted by a lender to ascertain the amount you could potentially borrow, taking into account your income, existing debt, and credit score. It provides a broad understanding of your borrowing capacity, along with rate protection for a period of up to 120 days.
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You can utilize it to obtain loans or lines of credit for investments, significant purchases, or consolidating debt. This enables you to access funds at more favorable interest rates compared to unsecured loans.
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Renewals involve extending your current mortgage with updated rates and terms that reflect the current market conditions. This can mean renewing at the current market rate with your existing lender or switching to a new lender, without increasing your mortgage amount. Refinances involve terminating your existing mortgage contract to make substantial changes, such as securing a new rate or adjusting the terms. They can happen anytime and may include adding money to the mortgage or taking advantage of a significant rate drop.
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Yes, you retain full ownership and title of your home. You only move or sell when you choose to.
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You can still start with as little as 5% down, and we can help you integrate your FHSA tax-free savings to maximize your budget.Item description
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: By rolling high-interest credit cards (20%+) into your mortgage (5-6%), most clients reduce their monthly outgoing cash by $500–$1,200.
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These are short-term "bridge" solutions, typically for 1 to 2 years, with a built-in plan to move you back to an A-Lender.
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A: We run a break-even analysis for you to see if the lower rate or extra capital outweighs the penalty fees. description