Financing Services

Residential Mortgages

If you're looking to buy a house but feel overwhelmed by GDS, TDS, and LTV ratios, you're not alone. There are numerous mortgage options available, and we can help you navigate through them to find a loan that meets your needs. Understanding the different types of loans is essential to making the right choice for your situation.

Concerned about getting approved for a mortgage? Speak with one of our advisors to explore your options and discover how to enhance your credit rating to secure your mortgage.

Commercial Mortgages

Planning to expand your business with commercial properties like plazas, offices, or warehouses? Capex CPA can connect you with a vast network of real estate professionals to find the perfect property for your business. Contact us today to discuss your needs.

HELOC Line of Credit

A home equity line of credit (HELOC) lets you borrow against the value of your home. This flexible financing option can be used for various purposes such as home improvements, debt consolidation, or business financing. Unlike traditional home equity loans that provide a lump sum, a HELOC allows you to withdraw funds as needed, potentially qualifying you for lower interest rates due to being secured by your home’s equity.

Grants & SRED Claims

The Canadian government offers various grants and loans to support small businesses. These grants are essentially free funds designed to assist your operations while ensuring future tax revenues for the government. Not every business qualifies for government assistance, so we also connect you with private investors willing to fund high-potential businesses.

Refinancing

If you have outstanding debts and want to consolidate them, refinancing your property can be an effective solution. This process allows you to tap into your home's equity, resulting in a slightly higher mortgage payment but enabling you to pay off multiple loans and potentially save on interest costs.

Construction Loans

Need financing for a construction project on your owner-occupied commercial unit? We can help you secure the right construction loan from A and B lenders, requiring projected financial statements and a comprehensive business plan. Let us guide you through this process.

$100k BDC Business Loan

We collaborate closely with the Bank of Development Canada (BDC) and their $100k business loan program. Our team can assist you in obtaining essential startup funding by compiling the necessary documents and submitting your application. We will keep you updated on your application status throughout the process.