Brokers

Solutions tailored to simplify real estate ownership in Canada, the United States & Mexico.

Dedicated to providing unique mortgage financing and related support services, SoBankable, a division of Caplink Financial Corporation, has 27+ years of lending experience, which allows us to match circumstances, timelines, and financial needs with our curated mortgage products and services.

  • Financing in Canada, the United States & Mexico
  • Financing in small urban centres
  • Diverse range of property types
  • In-depth analysis
  • We manage every aspect of the process
  • A seamless lending experience
  • Expedited processes and closings
  • Practical approach to underwriting
  • Over 27 years of mortgage financing experience
  • Canadian owned & operated
  • Mortgage specialist trained in United States & Mexican real estate transactions
Residential | Vacation Homes | Vacation Rentals | Commercial | Industrial | Mixed Use | Retail | Office | Daycares | Mobile Home Parks | Self Storage | Rooming Houses | Student Housing | Restaurant & Bars | Daycares | & More

Residential Products

SoBankable has a variety of residential first and second mortgage products that can be customized to suit your client’s needs. We are invested in your success and will work with you to get your deal done. With over 27 years of lending experience we can structure your deal to accommodate almost any situation.

We are the preferred choice for alternative residential mortgage financing because we offer:

  • Competitive rates
  • Fast approval times
  • The ability for you to set your fee
  • No beacon score concerns
  • Access to a large mortgage capital base
  • Unparalleled experience in private mortgage lending
  • In depth knowledge of both the Alberta, BC, Saskatchewan, and Southern Ontario markets
  • Flexible terms and renewal conditions
  • SOMETHING ABOUT US & Mexico
  • SOMETHING ABOUT UNQUIE RES PROPERTIES

We commit, we fund. (CHANGE CTA)

LTVs

First and Seconds

  • 75% in major urban centres.
  • Up to 75% on apartment-style condos.
  • 65% on urban acreages
  • 50-55% smaller market areas

Rates & Fees

  • Start at 10.5% for Firsts and 12.5% Seconds
  • Lender Fees- 2% on Firsts, 3% on Seconds (minimums apply based on loan amount – $1500, $2500, $3500 until 2 or 3% become greater);
  • Broker Fees- You set! (Cannot exceed Lender fee)

Market Area

  • Alberta
  • British Columbia
  • Saskatchewan – Only Firsts in Saskatoon and Regina
  • Ontario – Major Urban Centres of South Ontario
  • UPDATE TO INC MEXICO & US

Standard Guidelines

  • Terms standard are 1 year, can be longer if requested
  • Amortization up to 30 years or interest only
  • 3 months interest pre-payment penalty on closed mortgages
  • Fully open terms available (rates & fees may be adjusted)
  • Appraisal required on all deals. (CRA or AACI only) Caplink will also have their realtors’ opinion of value. Lesser of which will be used to qualify.
  • All mortgages are renewable, with low renewal fees.

*Rates and fees are based on market area, property condition, borrower’s ability to pay and income verification (if any). Subject to change without notice

Commercial Products

SoBankable offers a diverse range of commercial mortgage products that can be tailored to meet the unique needs of your business clients. We are committed to your success and will work closely with you to ensure your deal is completed efficiently. With over 27 years of lending experience, we can structure your deal to accommodate almost any situation.

We are the preferred choice for alternative commercial mortgage financing because we offer:

  • Competitive rates
  • Fast approval times
  • The flexibility for you to set your fee
  • No credit score concerns
  • Access to a large mortgage capital base
  • Unparalleled experience in private mortgage lending
  • In-depth knowledge of the Alberta, BC, Saskatchewan, and Southern Ontario markets
  • Flexible terms and renewal conditions
  • PROPERTY TYPES

We commit, we fund. (CHANGE CTA)

LTVs

First & Seconds

  • 75% in major urban centres or within 10-15 kms of communities with a population of 25,000 and over.
  • 50-65% smaller market areas.

Rates & Fees

  • Start at 10.5% for Firsts and 13% Seconds
  • Lender Fees – 2% on Firsts, higher on Seconds (minimum $3500)
  • Broker Fees- You set. (Cannot exceed Lender fee)

Market Area

  • Alberta
  • British Columbia
  • Saskatchewan – only Firsts in Regina and Saskatoon
  • Ontario – only Major Urban Centres of Southern Ontario
  • UPDATE TO INC MEXICO & US??????

Standard Guidelines

  • Terms typically quoted as 1 year
  • Amortization up to 30 years or interest only
  • 3 months interest pre-payment penalty on closed mortgages. Fully open terms available (rates & fees may be adjusted)
  • Appraisal required on all deals. Must be from approved appraiser list. Caplink will also have their realtors’ opinion of value. Lesser of which will be used to qualify
  • All mortgages renewable, low renewal fees

Additional Requirements

  • May require the following items depending on the deal:
    • Environmental & Mechanical reports
    • Permits, surveyor & engineering reports
    • Other conditions as required

Approved Appraisers

Edmonton & Surrounding

Company Phone
Frost & Associates Realty Services Inc. 780-462-1782
Harrison Bowker Real Estate Appraisers 780-458-3814

Calgary & Surrounding

Company Phone
Atkinson & Associates 403-212-1103
Sage Appraisals 403-532-8996

Red Deer/Olds & Surrounding

Company Phone
Red Deer Appraisals Ltd. 403-350-8438
Steckler Real Estate Appraisals 403-392-2547
Soderquist Appraisals Ltd. 403-346-55-33

Lethbridge & Surrounding

Company Phone
Lethbridge Property Appraisals Inc. 403-329-9000
Reliance Appraisal Consultants Ltd. 403-328-9351

Medicine Hat & Surrounding

Company Phone
Tru Appraisals 403-580-8215
Accord Appraisal Company 780-679-0303

North East Alberta- Athabasca/Slave Lake/ Lac La Biche/Fort McMurray/Cold Lake/ Bonnyville/Lloydminster/Wainwright/Provost

Company Phone
Landucation Consulting Ltd. 1-888-870-0204
Chalifour Denis & Associates – Ft. Mac 780-743-1331
M.I.T. Appraisals Ltd. (200 Km radius of Lloydminster) 780-875-3500

North West Alberta: Grande Prairie/Peace Country/Yellowhead County/Grande Cache/Fox Creek/Woodlands County

Company Phone
Accu Pro 1-877-938-9776
Biegel & Perra Appraisals 780-814-6123
Baldwin Appraisers (Grande Prairie) 780-539-6560
Slavik McCartney Appraisals 780-865-7371

East Central Alberta: Camrose/Vegreville/Wetaskawin

Company Phone
Altario Appraisal Co. Ltd. 780-672-1028
City Appraisals Ltd. (must be CRA) 780-679-0303

Lower Mainland

Abbotsford

Company Phone
Adlaw Appraisals Ltd 604-809-8506
ARC Apprials 604-853-4887
Best Home Appraisals 604-618-5028
Neimi Laporte & Dowle Appraisals 604-438-1628
Richardson Appraisals 604-852-6755
Urban Valley Appraisals 1-888-852-8087

Chilliwack

Company Phone
Adlaw Appraisals Ltd 604-809-8506
Bakersview Realty Appraisal 604-793-0136
Best Home Apprasials 604-618-5028
Lawrenson Walker Realty Advisors 604-535-1494
Neimi Laporte & Dowle Appraisals 604-438-1628
Fortin Appraisals Ltd. 604-858-7124
Fraser Valley Apprasials Ltd 604-792-2133
Urban Valley Appraisals 1-888-852-8087

Coquitlam

Company Phone
Adlaw Appraisals Ltd 604-809-8506
Neimi Laporte & Dowle Appraisals 604-438-1628
Bramwell & Associates Realty Advisors Inc. 604-608-6161
Intercity Appraisals Ltd. 604-944-3282
Leemore & Associates 604-671-4535

Maple Ridge

Company Phone
Urban Valley Appraisals 1-800-852-8087

Mission

Company Phone
Lawrenson Walker Realty Advisors 604-535-1494
Urban Valley Apprasials 1-800-852-8087

Pitt Meadows

Company Phone
Urban Valley Appraisals 1-800-852-8087

Squamish

Company Phone
Adlaw Appraisals Ltd. 604-809-8506
Gateway Appraisals 604-677-1188
Neimi Laporte & Dowle Appraisals 604-438-1628
Walton Apprasials Ltd. 604-892-2311

Surrey/White Rock/Langley

Company Phone
Adlaw Appraisals Ltd 604-809-8506
Bakersview Realty Appraisal 604-793-0136
Best Home Appraisals 604-618-5028
Bramwell & Associates Realty Advisors 604-608-6161
Hooker Craig Lum Group 778-571-2321
Lawrenson Walker Realty Advisors 604-535-1494
Neimi Laporte & Dowle Advisors 604-535-1494
Surrey Home Appraisal 604-786-8668
Urban Valley Appraisals 1-800-852-8087
Vancouver Appraisals 604-608-6161

Vancouver/Delta

Company Phone
Adlaw Appraisals Ltd 604-809-8506
Aedis Canvoucer 604-852-7585
Best Home Apprasials 604-618-5028
Bramwell & Associates Realty Advisors 604-608-6161
Campbell & Pound 604-270-8885
Cunningham & Rivard Appraisals 604-985-8761
Gateway Appraisals (North Vancouver) 604-677-1188
Lawrenson Walker Realty Advisors 604-535-1494
Neimi Laporte & Dowle Advisors 604-535-1494
Surrey Home Appraisal 604-786-8668
Vancouver Appraisals 604-608-6161

Interior

Kamloops

Company Phone
Frilan Appraisal LLP 250-374-9941
Flynn Mirtle Moran 250-374-7731

Kelowna

Company Phone
A-1 Appraisals Ltd. 250-374-9941
Adlaw Apprasials Ltd 250-374-7731
Aedis Okanagan 250-374-9941
Okanagan Appraisals 250-374-7731

Penticton

Company Phone
Inland Appraisals Ltd. 250-374-9941
North Country Appraisals 250-374-7731
South Okanagan Appraisals 250-374-9941

Vernon

Company Phone
L.E. Rivard & Associates 250-374-9941
Okanagan North Appraisals 250-374-7731
Schoenne & Associates 250-374-9941

Other Areas

Prince George/Quesnel

Company Phone
C. H. Godfrey Appraisals Ltd. 250-563-1208

Vancouver Island

Campbell River

Company Phone
Associated Appraisers 250-202-0163
Cunningham & Rivard 250-287-9595

Courtenay/Comox

Company Phone
Associated Appraisers 250-897-8771
Precision Appraisal Group 250-897-5046

Duncan/Cowichan

Company Phone
Astro Appraisers 250-748-3159
Lawrenson Walker Realty Advisors 250-384-1494

Nanaimo

Company Phone
Aedis 604-682-7585
Cunningham & Rivard 250-753-3428
Central Island Appraisals 250-619-1155
Isle West Appraisals 250-756-1779
Vancouver Island Appraisals Ltd. 250-753-4022

Port Alberni

Company Phone
PCAG Property Asvisors 250-723-5099

Victoria

Company Phone
Aedis 604-682-7585
Baker Osland 250-475-2221
D.R. Coell & Associates 250-388-6242
Neimi Laporte & Dowle Advisors 604-438-1628
Thibault & Company 250-361-2029
Lawrenson Walker Realty Advisors 250-384-1494

Regina

Company Phone
Brunsdon Lawrek & Associates 306-244-5900
Crown Appraisals 306-359-3111
Fox Appraisals & Real Estate Consultants 306-545-5200

Saskatoon

Company Phone
Dream Home Appraisal Company Ltd. 306-944-4455
Brunsdon Lawrek & Associates 306-244-5900

TBD – SoBankable will notify subject to application package

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