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Frequently Asked
Questions

About Group Capital

Group Capital (Operating as Equityline Financial Corporation) is a licensed mortgage brokerage and mortgage lending administration company certified by the Financial Services Commission of Ontario.

Group Capital gives access to over 50+ Private Lenders, TD Bank, Scotiabank, First National Financial, MCAP Financial, Equitable Bank, ICICI Bank, CMLS Financial, Merix Financial, Lendwise, and many more.
Group Capital believes in full transparency. We negotiated a lower finder’s fee payable by our lenders in order to offer our clients the absolute best rates up front.
Group Capital is absolutely free! Our revenue comes from our lending partners, they pay us directly for each mortgage funded in exchange for helping them acquire customers.
Yes! Group Capital (Operating as Equityline Financial Corporation) is a licensed mortgage brokerage and mortgage lending administration company certified by the Financial Services Commission of Ontario.
Yes! We are able to assist in situations with a previous consumer proposal or bankruptcy.

Filling out an online mortgage application

If you experience issues while filling out the online mortgage application, please contact support at support@groupcapital.ca or call at 877-665-8421.

If you’re looking for pre-approval, our online mortgage platform will allow you to complete the entire process virtually, meaning you can get pre-approved quickly without sitting on hold on the phone.

The online form allows us to collect all the relevant information on your specific situation. This way we can confirm the exact rates available to you. Our application is designed to save you time and get quoted the rate that applies to your situation.

When the application is submitted for a new mortgage, refinance or a renewal, a soft pull (credit check) may be completed and it has no impact on your credit score. For all transactions with the exception of the online pre-approval, a hard pull (credit check) is only done when you speak with an advisor and decide to proceed with Group Capital. When you complete an online mortgage application for a pre approval, as stated in the application, we will need to do a hard pull credit check in order to qualify you amongst our lenders.

Managing your application & account settings

Started an application but not ready to apply just yet? Rest assured you can cancel your application by sending us a quick email at support@groupcapital.ca or call 877-665-8421.

Last minute change of plans? No worries, there are two options to reschedule or cancel your advisor call.

Within the calendar invite sent via email, you should see an option to reschedule or cancel your call with an advisor.

Contact support at support@groupcapital.ca, or call 877-665-8421. Our support team will be sure to process your request!

You can unsubscribe at any time! You can select unsubscribe at the very bottom of any email received from group capital or in your profile settings when you login to the app.

If you would like to reset your password, you can do so by visiting the login page at app.groupcapital.ca and simply select forgot your password.

You will be given instructions to create a new password which will be sent to you by email.
*Please make sure to verify in your spam inbox if ever you can’t find it in your emails.

If your email has been discontinued, please contact our support team at support@groupcapital.ca.

Account privacy

The privacy policy describes how we collect, use, disclose and otherwise process your personal information, how we protect it and the controls you have over it. For more information, check out our privacy policy page.

Please contact the support team by sending an email to support@groupcapital.ca.

Our customer support team will forward your request to our IT department; note that this can take up to 2 weeks from receiving your request to be processed.

General Questions

 

The minimum down payment when buying a home in Canada is 5% of the purchase price, however if you can make a larger down payment than the minimum requirement, your mortgage payments will be lower and it will take you less time to pay off your mortgage.

For private mortgages, minimum down payment is 20% of the purchase price.

Private mortgages are the perfect solution for short-term financial needs. Most private mortgages are set for 1 to 3 years depending on your situation. This means that the final payment will be due at the end of the term, with the option to extend or renew.

 

Yes, you can get a private mortgage even with bad credit. The lender looks at several factors when considering approval include the value of your home and your income.
The LTV for a property is equal to all mortgages on a property divided by the appraisal value of the property. If you own a home worth $2,000,000 and get a new first mortgage for $1,500,000 then your LTV ratio is 75%.
Privacy Policy / Terms and Conditions

Contact Us

Toll Free: 877-665-8421
550 HWY 7 East, Suite 337
Richmond Hill, ON, L4B 3Z4
 

Group Capital (Operating as Equityline Financial Corporation)
FSRA Mortgage Broker Licence Number: 12570
FSRA Mortgage Admin Licence Number: 13068

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© 2022 Group Capital (Operating as Equityline Financial Corporation). All rights reserved.

This website is to be used for general information purposes only. The information in this site does not constitute an offer to sell or a solicitation to invest in the Corporation. Investors should consult their own counsel and seek advice from a registered Financial Advisor or Dealing Representative before making an investment decision.

© 2022 Group Capital Inc. (Operating as Equityline Financial Corporation). All rights reserved.