Combined Mortgage

Combine multiple properties under one loan to use all your available equity to secure the largest loan possible.
See if you qualify for a Capital Express loan in just 2 minutes!
Use: Purchase, Refinancing
Rate: 10.99%-14.99%
Debt Consolidation
Overview
Benefits
Technical Info
Case Study
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Introduction
Make it Possible with a Combined Mortgage
Capital Express offers Combined Mortgages to help you access your dormant equity and reduce your down payment to as little as nothing.
Benefits
Benefits Made Simple
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Combine your Power
Scattered equity becomes unified into one large mortgage.
Better Terms
Potentially lower interest rates and improved terms.
Quick Approval
Efficient processing to help you consolidate your mortgages promptly.
Understanding Our Combined Mortgage Terms
Rate
10.99%-14.99%
Terms
3-18 months
Loan Amount
$50,000 - $3,000,000
Fees
2%-4% lender’s fees
Time to Close
5 days
See Combined Mortgage Requirements
Helping the Smith Family Secure Their Dream Home in Quebec
The Smith family, self-employed digital marketing consultants who recently relocated to Quebec City, aimed to purchase their dream home but faced challenges securing traditional mortgage financing due to irregular income and limited local credit history.
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Whether you have specific questions or need guidance on choosing the right option, we're here to help.
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Loan Application Form
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How to Work with Us
A complete guide on how to submit the file. From A-Z!
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Brokers Guide to Private Lending
What to do, how to do it and where to start!
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Ready to take control of your finances? Click below to apply or speak with one of our experts.
Use: Purchase, Refinancing
Rate: 10.99%-14.99%

Combined Mortgage required documents:

  • Completed Loan Application
    • Can be submitted by a broker’s preferred platform
    • Can be submitted through our website
  • 2 pieces of ID
  • IBV (Instant Bank Verification)
  • Credit report
  • Proof of revenue:
    • Salaried employees: Pay stubs
    • Self-employed: 6 months of bank statements
    • Retirees: Proof of retirement
  • Municipal & school taxes with proof they are paid
  • Up-to-date mortgage statement
  • Either appraisal or inspection report
  • Both the refinanced property/properties and the purchase subject property’s individual requirements apply in this case.
  • Purchase: Signed purchase agreement.
  • Purchase: Seller declaration.