Black Knight Capital, Your Trusted Mortgage Broker

If you are considering refinancing your current home, in the process of buying a new property, or seeking access to your home equity, 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.

Call Black Knight now to see how we can help.

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  • A line graph with an upward trend, a dollar sign above the arrow, and a house outline in the background.

    First -Time Home Buyer

    Utilize the benefits available to first-time home buyers and discover a mortgage rate that suits your requirements.

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    Private Mortgage

    Utilize the equity in your home to obtain the necessary capital for reaching your objectives or to handle your financial circumstances more efficiently.

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  • A person sitting at a desk with a laptop, coffee cup, and notebooks in a bright room.

    Renovation/ Construction Financing

    We provide funding during the renovation or construction phase of your dream home without having to make monthly payments until the project is finished.

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    Self-Employed Mortgage

    We recognize the requirements of self-employed borrowers and provide solutions to assist you in obtaining the most favorable mortgage.

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  • A person holding a small dog over their shoulder, with a green background.

    Debt Consolidation

    Combine multiple debts into one manageable payment to reduce your financial stress and regain control over your financial situation.

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  • A simple line graph with an upward trend, a house icon with a dollar sign inside, and bar charts indicating financial growth.

    Reverse Mortgage

    f you are 55 years of age or older, you have the option to borrow tax-exempt funds based on the equity of your home to enhance your retirement and additional needs.

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  • Image placeholder with a faint house icon and a dollar sign, indicating real estate or home financing.

    Home Equity Loan

    Qualify for higher loan amounts than traditional unsecured personal loans by tapping into the value of your home.Description goes here

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    Newcomer Mortgage

    Begin constructing your future in Canada even if you possess a limited credit or employment history.

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Tailored Mortgage Solutions

Custom Mortgages Designed Around You

    • Personalized Guidance: Simplifying the mortgage process for newcomers.

    • Competitive Rates: Access exclusive rates to make your first home more attainable.

    • Educational Resources: Equip yourself with knowledge through our seminars and guides.

    • Lower Monthly Payments: Benefit from better interest rates to reduce expenses.

    • Equity Access: Unlock your home’s equity for renovations, investments, or debt consolidation.

    • Flexible Terms: Adjust your mortgage to better suit your current needs.

    • Portfolio Expansion: Finance the purchase of rental or commercial properties.

    • Strategic Advice: Maximize returns with expert investment strategies.

    • Diverse Options: Explore various financing products tailored for investors.

Private Lending Opportunities

Investing in the Mortgage Market

For clients interested in diversifying their investment portfolios, we offer opportunities to become private lenders.

    • Real Estate Backing: Loans secured by tangible property assets.

    • Due Diligence: Comprehensive risk assessments conducted by our team.

    • Legal Support: Assistance with contracts and regulatory compliance.

    • Competitive Yields: Potential for higher returns than traditional investments.

    • Portfolio Diversification: Spread risk across different investment types.

    • Flexible Commitments: Choose terms that align with your investment strategy.

Credit Enhancement

Innovative Solutions for Complex Financial Challenges

    • Customized Plans: Strategies to enhance your credit score

    • Expert Coaching: One-on-one guidance to improve financial habits.

    • Resource Tools: Access to credit monitoring and educational materials.

    • Simplify Payments: Merge multiple debts into a single, manageable plan

    • Interest Savings: Potentially reduce overall interest costs.

    • Stress Reduction: Alleviate the burden of juggling multiple creditors.

    • Private Lending Access: Connect with a network of private lenders.

    • Flexible Qualifications: Options available even if traditional lenders have declined.

    • Customized Terms: Tailor loan terms to fit your unique circumstances.

Personalized Financial Consultations

Expert Advice Tailored to Your Goals

Our advisors provide personalized consultations to understand and enhance your financial landscape.

    • In-Depth Review: Evaluate assets, liabilities, income, and expenses.

    • Goal Setting: Define short-term and long-term financial objectives.

    • Risk Assessment: Identify potential financial vulnerabilities.

    • Actionable Plans: Receive a step-by-step roadmap to achieve your goals.

    • Product Recommendations: Suggestions for financial products that fit your needs.

    • Ongoing Monitoring: Regular check-ins to adjust your plan as needed.

Financial Asset Building

Leveraging Your Home as a Financial Asset

    • Property Value Enhancement: Advice on home improvements that add value.

    • Market Timing: Insights on when to buy or sell for maximum gain.

    • Equity Investment Opportunities: Use your home’s equity to invest in other ventures.

    • Mortgage-Free Retirement: Strategies to pay off your home before retirement.

    • Income Generation: Turn your property into a source of retirement income.

    • Estate Planning: Ensure your assets are structured for legacy building.

    • Deductions and Credits: Identify opportunities to reduce taxable income.

    • Professional Collaboration: Work with tax experts to optimize financial plans.

    • Compliance Assurance: Stay updated on tax laws affecting your mortgage and property.

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Some Of Black Knight Financial Lending Partners

  • Green circle logo with white letters 'TD' inside.

    TD Bank

  • A red background with a stylized white number six in the center.

    Scotia Bank

  • Yellow square sign with black text reading 'EQB'.

    Equitable Bank

  • First National logo with green text and a yellow acorn graphic

    First National

  • Stylized logo with a black background, featuring a white curved shape with an orange accent

    Community Trust

  • Canadian Western Bank logo with a stylized gold crown above a teal 'W', and the text 'CWB Canadian Western Bank' below.

    CWB Optimum

  • Brightpath Capital Corporation logo with a stylized lowercase 'b' in red and lowercase text on a dark gray background.

    Brightpath Capital

  • Circular logo with a dark blue background, featuring the white letters 'CMI' and a small maple leaf inside the letter 'C'.

    CMI Mortgages

 FAQs

  • 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.

  • 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.

  • 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.

  • 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.