Strive Capital
A-Lending, Re-Engineered for Speed and Service
Strive Capital, founded in 2020, is one of Canada’s fastest-growing prime mortgage lenders, built for insured and insurable borrowers who want competitive rates, transparent terms, and approvals without the big-bank delays.
Whether you're switching lenders, buying your first home, or trying to time the market with a rate hold, Strive keeps it simple, fair, and fast.
Lender Key Strengths
Strive stands out for its specialized financing options, including strong Purchase Plus Improvement loans, ideal for clients looking to buy and renovate a property. Their Stated Income program offers a flexible solution for self-employed individuals, allowing for straightforward income verification. With a unique New Veterinarian Mortgage Lending program, Strive supports recent graduates in establishing their careers and homes. Their common-sense lending approach ensures practical, case-by-case decision-making, making financing more accessible and tailored to individual needs.
Strive Capital. Big-Bank Rates.
Broker-Speed Service.
New to the Game. Built for Borrowers.
Getting an insured mortgage shouldn't feel like you're begging for approval, or racing a clock you can’t control.
You did everything right. Strong income. Clean credit. But the banks still slow-walk your file, nickel-and-dime your timeline, or disappear when it matters most.
That’s where Strive steps in.
As one of Canada’s newest prime lenders, Strive delivers A-lender pricing with monoline-level responsiveness. Whether you're switching, buying new, or locking in for a better rate, this lender moves fast, stays clear, and actually keeps their word.
There’s no bureaucracy. No black-box decisioning. Just solid pricing, consistent guidelines, and a team that treats your mortgage like it matters.
Why Borrowers Love Strive
Not all prime lenders are created equal. Strive delivers competitive pricing, but it's how they underwrite, structure, and support the deal that really wins borrowers over.
🔁 Switch-Friendly Setup
Most lenders won’t touch a 6-month open term. Strive will. That makes refinancing from a maturing mortgage smoother and cheaper.
🏘 Investor-Approved Rental Program
Finance up to 8 doors, use fair market rents from an appraiser, and qualify with 50–100% rental income depending on occupancy. No surprises.
🔨 Refinance + Legal Suite Build Option
Want to add a basement apartment? Strive will lend up to 90% of your post-reno value, even blending amortization with new insured funds.
🧠 Transparent Beacon Score Guidelines
≥680 for ≤70% LTV, ≥720 for 70.01–80%. Easy to understand. Easy to plan for. No hidden thresholds or last-minute surprises.
Current Posted Rates for Strive
Is Strive the smartest move for your mortgage?
I’ll help you find out — no guesswork, just answers.
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Strive lends in most major provinces across Canada, including Ontario, British Columbia, Alberta, Saskatchewan, and Atlantic Canada. They focus on urban and suburban centres with strong resale demand.
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Absolutely they do! Rule of thumb is properties that have 2-4 units within the property. If it’s owner occupied (meaning you live in one of the units), we can use 100% of the rents to add back to your income. If it’s completely a rental, we can use 50%.
They are friendly to investors as well - they will lend to you up until you have 8 properties including the subject property. Which honestly? Pretty great considering a lot of lenders pump the breaks around 4 or 5. -
For insurable mortgages:
≥680 for files at or below 70% Loan-to-value
≥720 for 70.01% to 80% Loan-to-value
There’s no guesswork. If you hit the number, you’re good.
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Yes! Strive has a new Refinance and improvements program which lets you borrow up to 90% of the completed value of your home to create the suite - as long as it’s up to snuff with municipal code, and the property is your current owner occupied home.
Groundbreaking!
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1–5 year fixed terms
A 5-year adjustable (ARM)
Prepayment flexibility: 15% lump sum + 15% payment increase
Transparent penalties: standard IRD or 3-month interest, whichever is higher (industry standard for monolines)
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Not always - On insurable mortgages, if the value is supported by an automated valuation model (AVM), you may not need an appraisal at all - basically - does the value of your home make sense, based on sales and your neighborhood? Then we should be all set.
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Yes! They operate nationally, and offer client support in both french and english - depending on the region and borrower preference.
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Yes. Like many lenders, Strive applies tighter geographic restrictions on uninsurable and alternative products (e.g. Aspire by Strive). These programs are typically limited to larger urban centres with high property liquidity. If you’re applying for a non-insured deal, we’ll confirm eligibility based on your specific location.
However, between you and I? Strive’s strengths are in their insured/insurable products - and unless otherwise necessary, I usually review options from other lenders for uninsurable products. Strive knows their strengths in the insurable/insured sector. -
Strive does not allow short-term rentals (Airbnb, VRBO) as part of any rental income qualification.
Thinking of using Strive? Here’s what you need to know.
More info on Strive Capital
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110 Yonge St
Suite 1704
Toronto, ON
M5C 1T4 -
Customer Service: 1-833-256-0573
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hello@strivecapital.ca
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