A-lender monolines

Strive Capital mortgage review — a broker's perspective

Newer broker-channel A-lender focused on prime insured + insurable purchases. Quick to commit on clean files. Backed by major institutional capital.

Founded: Founded 2022
Headquarters: Toronto, ON
Products: 3 product types
Tier: A-lender monolines
Broker licence: FSRA #13737 broker

Start Pre-Approval See live rates 4.9 ★★★★★ Google Strive Capital website

Reviewed by Mortgage Squad Advisors Editorial Team · Licensed Mortgage Advisors · Reviewed by the Principal Broker

FSRA Brokerage #13737 · 15+ years · Last reviewed May 13, 2026

Where Strive Capital stands out

Who is Strive Capital good for?

Strive Capital suits rate-sensitive borrowers wanting 10-25 bps below Big-6 and insured first-time buyer files with full doc. It is strongest on: Insured A-lender pricing, Fast commitment, Insurable transfers, Modern broker portal.

Strong fit for

Rate-sensitive borrowers wanting 10-25 bps below Big-6
Insured first-time buyer files with full doc
Insurable transfers from a Big-6 at renewal
Borrowers comfortable with broker-only access (no branch)

Probably not the right fit if

Borrowers who require in-branch service
Files with non-standard income (most monolines stick to clean files)
Newcomers without 3+ months Canadian credit history
Complex refinances needing in-person review

Not sure where your file fits? Start a free pre-qualification and we’ll check your fit across 99+ lenders — no credit check to begin.

Overview

What kind of lender is Strive Capital?

Strive Capital sits within the a-lender monolines tier of Canada's mortgage market. Broker-channel non-bank funders. Typically 10-25 bps below the Big-6 on insured + insurable purchases.

Working across 99+ Canadian lenders, our brokerage knows Strive Capital's underwriting appetite — what they say yes to, what they push back on, and what file structure gets a clean approval the first time. Strive Capital is broker-channel only, meaning the only way to access their rate sheet is through a licensed mortgage brokerage like ours.

Live · updated Oct 24, 2026

How does Strive Capital price its mortgages today?

These are Strive Capital's lowest current rates across 71 broker-channel products in our live feed. Your exact rate depends on your file, term, down payment and insurance.

5-yr fixed

4.54%

5-yr variable

3.70%

3-yr fixed

4.44%

1-yr fixed

4.94%

Full live rate board Get your exact rate

Product menu

What mortgages does Strive Capital offer?

Strive Capital funds 3 mortgage types. We can access its full broker-channel menu.

Purchase
Renewal
Refinance

First-time buyer Renewal Refinance

Bank direct vs broker channel

Should you go to Strive Capital directly or use a broker?

Strive Capital sells only through brokers, so a licensed brokerage like ours is the way in. We’re not employees of Strive Capital. We’re an independent FSRA-licensed brokerage that sends your file to Strive Capital when it’s the best fit — and to a different lender when it’s not.

Going direct to Strive Capital vs. through us

Aspect	Direct with Strive Capital	Through Mortgage Squad Advisors
Rate sheet	Broker-channel only — no direct retail access	Direct broker-channel access — our day-one cost
Lenders shopped	Just Strive Capital	99+ lenders incl. Strive Capital
If declined	Application ends; reapply elsewhere	Re-route to next-best lender same day
Cost to borrower	$0 — bank pays its own staff	$0 — lender pays our compensation
Underwriting strategy	Strive Capital's lens only	We structure your file to Strive Capital's preferences before submission
Renewal benchmarking	Strive Capital sends a single offer; you accept or counter	We benchmark across 99+ lenders 120 days before renewal

Same Strive Capital loan documents. Different shopping power. Start a pre-qualification to see what your file looks like across 99+ lenders.

How we work with Strive Capital

Discovery
A 5-minute call about your income, credit, down payment, home and timeline. No credit check to start.
Match
We compare your file with 99+ lenders, not just Strive Capital. If Strive Capital fits best, we go there.
Submit
We send a full package to Strive Capital's broker desk, set up the way their underwriters like it.
Funding
Approval, conditions, lawyer, funding. We manage every step.

Alternatives

Other a-lender monolines we shop alongside Strive Capital

Same tier, often similar rates. We compare Strive Capital with these every time.

Manulife Bank

Manulife One all-in-one

Marathon Mortgage Corp

Digital-first application

Nesto

Digital-first underwriting

True North Mortgage

Aggressive insured rates

By city

Strive Capital mortgage broker — major Canadian cities

We place Strive Capital files across Canada. Pick your city for local market context.

Toronto Vaughan Mississauga Brampton Markham Oakville Richmond Hill Burlington

Don’t see your city? Browse all Canadian markets — we lend nationally.

FAQ

Strive Capital — common questions

Don’t see yours? Ask Maya.

What are Strive Capital's current mortgage rates in Canada?

Strive Capital's rates change daily and are channel-specific — branch rates differ from broker-channel rates. As a brokerage we access Strive Capital's broker-channel sheet, typically 15-30 bps below their walk-in rate. Our live rate board (last reviewed May 13, 2026) shows current best-in-network across 99+ lenders. See our live rate board.

How do I qualify for a mortgage with Strive Capital?

Standard Canadian qualifying: 5%+ down (under 20% requires CMHC/Sagen/Canada Guaranty default insurance), OSFI B-20 stress test at the higher of contract rate + 2% or 5.25%, GDS ≤ 39% and TDS ≤ 44%. Strive Capital's underwriting has specific preferences we know from working with them — we'll tell you whether your file is a strong fit before submitting.

Is Strive Capital a good mortgage lender?

Strive Capital is genuinely strong on: Insured A-lender pricing, Fast commitment, Insurable transfers. As your broker we evaluate Strive Capital against 99+ other Canadian lenders for your specific file — sometimes they're the best fit, sometimes a different lender is. The honest answer depends on your file profile, not the lender's marketing.

Can I switch to Strive Capital at renewal?

Yes, if your file qualifies. A transfer-in at renewal typically costs you $0 — Strive Capital covers the discharge fee from your old lender and the appraisal as a transfer incentive. We benchmark Strive Capital's offer against your existing lender's renewal rate and the broader market 6 months before renewal so the switch (or stay) is timed properly.

Does Strive Capital work with self-employed borrowers?

Strive Capital focuses on standard A-lender files. For self-employed borrowers we'd typically place at a specialty BFS lender (Home Trust, Equitable, RFA, Haventree) and refinance to Strive Capital once 2 clean NOAs accumulate. See our self-employed mortgages.

How long does Strive Capital take to approve a mortgage?

Strive Capital's commitment turnaround on a clean broker-channel file is typically 24-72 hours from submission. Complex files (BFS, foreign income, atypical down payment) can take 5-10 business days. Conditional approval to funding is usually 14-30 days depending on appraisal, lawyer, and conditions.

What's the difference between Strive Capital branch rates and broker rates?

Strive Capital is broker-channel only — they do not sell mortgages direct to the public, so there is no retail rate to compare against. Their entire pricing comes through licensed brokers.

Does Strive Capital offer pre-approvals?

Yes — Strive Capital, like all major Canadian lenders, offers rate holds (typically 90-120 days) for pre-approved borrowers. We can submit your file to Strive Capital for a real underwritten pre-approval, not just a soft rate-hold. This means if rates rise you're locked, and if they fall most lenders honour the lower rate. Start your pre-approval here.

What prepayment privileges does Strive Capital offer?

Most major Canadian lenders including Strive Capital offer 15-20% annual lump-sum prepayment plus 15-20% payment-increase privileges per anniversary year. The exact privilege depends on the specific product family (insured/insurable/conventional) and term selected. We disclose the privileges and IRD calculation method up front so you know your exit cost before you sign.

What if Strive Capital declines my mortgage application?

As a broker we don't single-submit — if Strive Capital declines, we have 98+ other lender options across A-tier, alt-A, MIC, and private. We'll diagnose the decline reason (credit, income, LTV, property type, beacon), fix what's fixable, and re-strategize. A bank decline ends your bank application; with us, it's one route taken off the map and we pivot.

Pillar guides relevant to Strive Capital files

The First-Time Buyer Roadmap

Our most comprehensive first-time-buyer guide. Pre-approval to closing day, the FHSA + RRSP Home Buyers' Plan stack, 30-year insured amortization for first-time buyers, the stress test in plain English, and closing-day costs.

The Renewal Playbook

Your bank's first renewal offer is an opening bid. This playbook covers the 21-day federal notice rule, the lender early-renewal window (often up to 120 days), and how to compare your bank's offer against the market instead of auto-renewing.

The Refinance Decision Framework

Refinancing isn't always a win. This guide gives you the break-even method we use: penalty + fees vs. monthly savings, with three illustrative scenarios (rate drop, debt consolidation, equity take-out).

Related lenders

Same broker. Different lender appetite.

Meridian Credit Union Vancity Desjardins Alterna Savings

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Editorial commitment

This page is an editorial profile written from our brokerage’s perspective. We are not employed by Strive Capital and receive no payment from Strive Capital for this content. We compensate-disclose: on A-lender files the lender pays our brokerage compensation, and we earn the same regardless of which A-lender funds your file — so our recommendations are rate-agnostic. Rates and program details are reviewed quarterly; last reviewed May 13, 2026.

Get the best-fit lender for your file.

A 5-minute pre-qualification. No credit check to begin. We compare 99+ lenders — including Strive Capital — and recommend the right one.

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