# Alta West Capital > Trusted Alternative Mortgage Lenders for 30 Years ### Posts #### 18 Houses have been Built!           It is the third day of building and so far we have 18 homes built! Today was hot, sweaty, stinky and so wonderfully fulfilling.    I came to El Salvador with trepidation, wondering what skills I could offer. After 45 years of desk jobs, I was doubtful what I could contribute, so I asked my husband to join me. I knew he would make up for my inabilities.   After three days, I can proudly claim I have mastered some skills, but more importantly I have learned others: 1) Humility2) Compassion3) Cooperation with our team, the Shelter Canada team, and the El Salvadorian community who are by our sides showing us how hard they work 4) Pride to be part of such a worthwhile project 5) Friendship - sharing hugs and stories with our New El Salvadorian friends. There has been so much emotion, it is hard to explain - lots of laughter, and some tears. This is a beautiful country full of beautiful people. We are so grateful to be here.     Kevin & Diane      We met Daniel (pictured left) on one of our work sites - he lived across the street, and joined us as we were working. He was a bright boy, his eyes were filled with happiness and he laughed and taught us songs and games. It was only until after that we had discovered that Daniel was left an orphan after his mother passed away a few years back. He taught us that despite the most devastating of circumstances, that our hearts are still capable to find hope. #### 3 Ways a Mortgage Investment Corporation is Different From a Bank When it comes to making any significant financial decision, it’s important to conduct the proper research regarding the institution you plan to fund your investment and the method you intend to use. Buying a home is no different. In fact, purchasing a home may be one of the most significant financial investments you will ever make. As such, deciding where to apply for a mortgage is a choice that should be carefully weighed and considered. In Canada, there are two main sources for mortgages: banks and mortgage investment corporations, or alternative mortgage lenders. Let’s review how these options are different.  1. Mortgage Investment Corporations Do Not Conform With Federal Lending Guidelines Unlike banks, which are federal institutions, the structure of MICs allows them to be provincially regulated. As such, they fall outside of the often burdensome lending guidelines that banks are required to adhere to. It’s important to note that although MICs fall outside of some federal guidelines, they are well regulated by both federal and provincial legislation; they are not un-regulated entities.  2. Mortgage Investment Corporations Offer Flexible Lending Terms Without having to abide by the same federal policies as the banks, mortgage investment corporations, or alternative mortgage lenders, are able to offer greater flexibility when it comes to loan terms. This flexibility means they can cater to the individual needs of the borrower with tailor-made loans and terms. 3. Mortgage Investment Corporations Allow For Faster Loan Approval Regardless of what the loan is for, whether you’re applying for a first-time-buyer mortgage or a home renovation loan, the chances are your loan will be approved faster through a MIC or a private mortgage lender. Borrowers of banking institutions are subject to undergo stress tests and an extensive qualification process; oftentimes, loan approval can take months. MICs, on the other hand, are able to structure plans and approve loans in as little as two weeks.  Which Type of Mortgage Lender Should I Choose? Depending on your situation, it may be advantageous to borrow from a private mortgage lender over a bank. MICs and private mortgage lenders are the best options for individuals who require quick approval or have already been turned away from the banks due to the inability to qualify.  Whether you’re looking to borrow or invest, Alta West Capital can help. We offer several lending solutions for first time buyers, individuals and families that are new to Canada, self-employed business owners, real estate investors and more. Alta West loans are fast and flexible to fit your needs. Visit our website to apply online or contact us directly — call (403) 254-9075 or email info@awcapital.ca. #### 4 Ways to Improve Your Credit Score You’ve finally decided to take the plunge and start looking for a new home. As a first time home buyer, you may be nervous about taking on the financial obligation of a mortgage, especially if you have concerns about low credit or accumulated debt. Buying a home doesn’t have to be as scary as you think, and luckily, there are ways to improve your credit score and still apply for a mortgage and get approved with an alternative mortgage lender, even if your credit isn’t where exactly where you want it. Advice From a Mortgage Investment Corporation A mortgage is a significant financial responsibility, and it’s recommended that you feel confident in your current financial situation before attempting to buy a house. A mortgage lender can help you to establish goals and make wise choices around your mortgage application. These 4 helpful hints for improving your credit are important to consider as you prepare to proceed with a mortgage investment corporation. Stay on Top of Payments Every consumer knows that the best way to improve your credit score is to stay on top of monthly payments. One late payment on your credit card may not have a drastic impact on your overall rating, but an accumulation of late and missed payments could have far-reaching consequences. Remember: making the minimum payments every month might be better than trying to tackle more than you can afford, resulting in a skipped payment the following month. Monitor Your Credit Utilization In the calculation of your credit score, one thing that plays a significant role is the amount of available debt that you utilize. If your credit card has a high limit, you should try to stay well below it, within approximately 10% of the maximum amount. You should follow this same practice for other debts, including lines of credit. If you struggle with running a high balance, you may want to consider asking your bank about a balance transfer. Show Off Your Good Habits Being eager to pay off outstanding debts is a good thing, but you shouldn’t be so rash in trying to eliminate all trace that they ever existed. Old car or student loans will disappear automatically, but it might be a good idea to hang on to credit cards or lines of credit that have been paid off as a way to show off your good habits. Rather than cancelling a credit card, keeping your balance at zero could help to improve your credit score. Be Patient Understand that your debt will not go away overnight; neither will your credit score improve immediately. Taking the necessary steps will take some time, but improving your score is possible and, more importantly, it’s worth it. A solid credit score can open up several options when it comes to applying for a mortgage. How a Mortgage Affects Your Credit You’ve taken steps to improve your credit, but you might be asking yourself, won’t a mortgage drop it right back down again? Initially, a mortgage may lower your overall score because of the significance of the loan. Due to this initial, though temporary, damage to your score, you should wait for some time before applying for other loans and services that may require a credit check. Typically, six months is an appropriate waiting period. As you consistently make on-time payments to your mortgage and other debt obligations, your credit will gradually improve. If you are committed to a disciplined payment schedule, creditors will view your ability to handle such a significant loan with favour, and your mortgage could end up being a good thing for your credit. Ultimately, your mortgage affects your debt-to-income ratio — keeping your amount of debt in proportion to your income is essential. When preparing to apply for a mortgage with an alternative mortgage lender, try to abstain from taking on additional debt obligations to keep your debt-to-income ratio as low as possible. While it may be tempting to rush out to buy new furnishings or appliances for your home, these purchases could impact your credit and debt-to-income ratio. Some mortgage lenders, including banks, will revoke mortgage approval if these values change significantly between the approval period and the time of funding. Poor Credit? Talk to a Mortgage Investment Corporation There are some circumstances outside of outstanding debts that may impede your credit score and thus make applying for a mortgage more difficult. If you are self-employed, new to Canada, or buying your first home, some mortgage lenders may reject your mortgage application for reasons beyond your control. Fortunately, there is an alternative option. Private mortgage lenders and mortgage investment corporations cater to individuals that struggle with poor credit due to certain external circumstances. If you have poor credit, you should take the necessary steps to improve it, but you should also know that you have other options. The Bottom Line Whether you have poor credit, or you’ve taken the necessary steps to improve your score before applying for a mortgage, a mortgage investment corporation can help you get approved. Alta West Capital is an alternative mortgage lender committed to assisting borrowers that may otherwise struggle to get approved. We offer a number of lending solutions for first time buyers, individuals and families that are new to Canada, self-employed business owners, real estate investors and more. Alta West loans are fast and flexible to fit your needs. Visit our website to apply online or contact us directly — call (403) 254-9075 or email info@awcapital.ca. #### 5 Alternative Income Sources to Help You Get a Mortgage If you are in a low-income environment, you may be looking for ways to increase your revenue in order to qualify for a first-time buyer mortgage. Whether you need help getting approved or you’re hoping to qualify for a larger loan, here are some ways to increase the amount of qualifying income on your mortgage application. Acceptable Income Sources For a Mortgage Lender Part-Time Job If you want to use your part-time job as qualifying income, a mortgage lender will need to see proof of the income on your taxes so that they can be assured the income is stable and consistent. The same goes for tips if you are a server or a bartender. Disability You can use your monthly disability payments from public assistance programs like AISH to help you qualify for your mortgage. This income is only considered if it is long term; a mortgage investment corporation needs to see that you have the income to pay off your mortgage now and in the future. Spousal/Child Support Mortgage lenders will accept spousal and child support payments as qualifying income on the stipulation that the payments will continue for at least two to three years in the future, and that the past payments have been consistent and on time. Retirement/Pension While it’s less common to apply for a mortgage when you’re retired, retirement and pension are still acceptable income sources. Rental Income If you’ve previously applied for an investment property mortgage and you rent out the property, you can use the monthly rent payments as a source of income to include on your mortgage application. Again, make sure the income is documented correctly on your tax returns. Choose a Different Mortgage Lender If these options do not qualify you for the mortgage you’re looking for, consider applying with a different company such as a private mortgage lender; their approval rates are often much higher than the banks! What Matters Most for a Mortgage Application Keep in mind that your income may not necessarily be the most important part of your loan application. Most mortgage lenders care about the amount of your downpayment and your overall credit score in addition to your monthly income. Keep these tips in mind the next time you apply for a first-time buyer mortgage or a home renovation loan. Whether you’re looking to borrow or invest, Alta West Capital can help. We offer a number of lending solutions for first time buyers, individuals and families that are new to Canada, self-employed business owners, real estate investors and more. Alta West loans are fast and flexible to fit your needs. Visit our website to apply online or contact us directly. Call (403) 254-9075 or email info@awcapital.ca. #### 5 Benefits of a Construction Loan Construction loans can be used to renovate or modify an existing home or build a new one. There are a number of benefits to taking out a construction loan, but you can always talk to a mortgage broker about your best options. Construction Loans are Short Term One of the main benefits of construction loans is that they are short term. Construction loans ensure that you get the funds when you need them and while the term is flexible, it’s usually short enough that significant interest does not accrue. Construction Loans are Advanced in Multiple Draws Construction loans are advanced in multiple draws at measured completion markers. The benefit of this added structure is that you make payments only on the money that has been provided rather than the entire amount. As a result, you can expect a more clear and detailed timeline as the mortgage lender will need to review your plans for construction beforehand. Low Initial Payments with a Construction Loan Construction loans are often paid interest only during construction. In addition, the payments made on advancements help to keep costs as low as possible during the construction process. Construction Loans Give You Control With the added financial padding of a construction loan, you can decide exactly what you want out of your home renovation. The loan can help you bring your ideas to life; whether you’re building or renovating, you can play a part in designing the home you’ve always wanted. Construction Loans are Set Rate Loans The interest rates for a construction loan or a home renovation loan are generally a fixed rate. The ability to budget for loan payments based on set-interest rates can be helpful during the loan-repayment process. If you are looking to build a new home or renovate the one you already have, it will be helpful to consider a construction loan. If you have trouble getting approved for a bank loan, an alternative mortgage lender can get you the loan you need and in the right timeline. Whether you’re looking to borrow or invest, Alta West Capital can help. We offer a number of lending solutions for first time buyers, individuals and families that are new to Canada, self-employed business owners, real estate investors and more. Alta West loans are fast and flexible to fit your needs. Visit our website to apply online or contact us directly. Call (403) 254-9075 or email info@awcapital.ca. #### 5 Mistakes to Avoid For Your First Time Buyer Mortgage When it comes to purchasing your first home, there are a lot of decisions to make and, unfortunately, a lot of room for error. Follow this guide to make the most of your home buying experience and avoid these mistakes when it comes to applying for a first-time buyer mortgage. Don’t Drain Your Savings With a First Time Buyer Mortgage You've been scrimping and saving for some time now, and you’re itching to get out of the rental game. However, try not to drain all of your savings on the purchase of your first home. Together with your realtor and your mortgage lender, come up with a suitable solution that fits your financial plan. You might want to set some extra cash aside if you decide to take out a home renovation loan in the future or buy new furniture for your house. Don’t Forget About Hidden Costs There are quite a few fees that you might forget about as you apply for a first-time buyer mortgage. In addition to your down payment and monthly mortgage payments, you’ll need to cover the cost of moving, a home inspection, repairs, insurance, taxes and the closing costs of the sale to name a few. Don’t Rule Out a Private Mortgage Lender One of the greatest mistakes you can make when it comes to applying for a first-time buyer mortgage is talking with only one mortgage provider. Not all mortgages are created equal, and you might be able to get a better rate if you do the proper research. Consider applying for a loan with a private mortgage lender if you’re looking for higher approval ratings and better customer service. Don’t Look at Houses Before Applying for a Mortgage Buying a new house, especially your first house, is an exciting life event. That being said, try not to make an emotional decision. At the same time, it’s best to apply for mortgage pre-approval so that you are ready should the perfect house present itself. Don’t Opt Out of A Home Inspection Even if a house looks perfect, you never know what’s happening beneath the surface. A detailed home inspection can help you determine whether the listing price is fair and if there is any need for negotiations. Avoid these five mistakes, and you’ll be in the best position to apply for a first-time buyer mortgage with a mortgage lender! Whether you’re looking to borrow or invest, Alta West Capital can help. We offer a number of lending solutions for first time buyers, individuals and families that are new to Canada, self-employed business owners, real estate investors and more. Alta West loans are fast and flexible to fit your needs. Visit our website to apply online or contact us directly. Call (403) 254-9075 or email info@awcapital.ca. #### 5 Mistakes to Avoid For Your Second Home Mortgage Congratulations! You’ve made the decision to purchase a second house. Whether you need an investment property mortgage or you plan to buy a vacation home, there are some mortgage mistakes you should do your best to avoid. Not Getting Pre-Approved for a Second Home Mortgage As with the mortgage for your first house, pre-approval is an important step in the home-buying process. Pre-approval will give you an idea of what kind of mortgage you can qualify for so that you don’t get your heart set on something that you can’t afford. Not Researching Second Home Mortgages As with any big decision, you should do your research and get properly educated. Know what your options are when it comes to a mortgage lender. You may also want to research the area where you plan to purchase your second home and consider things like property taxes and the real estate market. Not Choosing the Right Second Home Mortgage Avoid sticking with the same mortgage provider simply for the sake of convenience. If there’s something you didn’t like about your first experience, don’t be afraid to shop around. You may want to consider going through a private mortgage lender for your second home mortgage. Not Being Able to Afford Two Mortgages It can be tight to pay for two mortgages simultaneously. Before you make the decision to apply for a second home mortgage, review your budget and ensure you can afford the mortgage payments and taxes for both properties. You may want to review your budget with a mortgage lender as part of the application process. Forgetting About Additional Costs When you sit down to set a budget and determine what you can afford for a second mortgage, don’t forget about the added costs that are associated with owning an additional property. Consider the costs of insurance, furnishings and decor. Avoid these five mistakes and you’ll be one step closer to relaxing on the beach by your new vacation house! Make your dreams a reality with advice and lending solutions from a private mortgage lender.   Whether you’re looking to borrow or invest, Alta West Capital can help. We offer a number of lending solutions for first time buyers, individuals and families that are new to Canada, self-employed business owners, real estate investors and more. Alta West loans are fast and flexible to fit your needs. Visit our website to apply online or contact us directly. Call (403) 254-9075 or email info@awcapital.ca. #### 5 Tips for Finding the Right Mortgage Lender Advice From a Mortgage Investment Corporation   When it comes to buying a house, shopping for a mortgage lender can be just as important as shopping for your future home. Because most mortgages have a duration of upwards of 20-25 years, choosing a lender that will offer the best advice, foster a positive relationship, and maintain policies to complement your financial situation is essential.  Finding the Right Mortgage Lender   Finding the right lender involves more than looking at competitive rates; you’ll want to work with a company that has your best interests at heart and can help you to make informed decisions about your future. A mortgage investment corporation, or an alternative mortgage lender, offers a more personalized approach to borrowing as well as more flexible options for individuals with poor credit or less fortunate circumstances.  How to Get Started Here are 5 steps to take as you search for the mortgage lender that’s right for you.  1. Know Your Credit Score When was the last time you checked your credit score? If you make regular and timely payments towards your credit cards, car loans, phone bills, and other financial obligations, the chances are your credit will be in excellent shape to move forward with applying for a mortgage. If, on the other hand, you’re prone to miss payments or you’ve allowed your debt to get out of hand, your credit score will have taken a significant hit.  In Canada, a credit score above 700 is good while the minimum score typically needed for mortgage approval is approximately 640. If your credit score is quite low, you may want to wait to buy a house as you take steps to improve it (pay off credit cards and other recurring loans) or consider the option of borrowing from a private mortgage lender. 2. Get Pre-Approved  Some people wonder if pre-approval is worth the hassle. The truth is, getting pre-approved before you’re ready to close the deal can actually give you a leading edge as you shop for homes, and will help you save time later. Above all, a mortgage pre-approval gives you an idea of the maximum mortgage you can qualify for and can help you estimate and calculate future mortgage payments. With your maximum mortgage amount in mind, you can start shopping for houses within a certain limit, budgeting accordingly for closing costs, moving costs, ongoing maintenance, lawyer fees, and all other expenses associated with buying a new home.    3. Compare Loan Features Depending on your situation, you may find it beneficial to shop around and acquire rates from multiple mortgage lenders. You may even submit requests for several pre-approvals to help you determine the right solution for your situation. It’s important to understand that not all mortgages are created equally and that rate is not the only important feature to consider. Some banks and other mortgage lenders will offer fixed or variable rate mortgages, pre-payment privileges, skip-a-payment options, and other benefits. These various features may be important to you. Because different institutions may have slightly different priorities, you’ll need to decide which offers best align with your goals. When shopping for lenders and comparing rates, know that there is a chance these inquiries can negatively impact your credit score, so be selective, but not too picky.  4. Know Your Options Did you know there are several avenues to consider when applying for a mortgage? There are three main types of lending options in Canada: traditional banks, mortgage brokers, and private mortgage lenders.  Traditional banks are the most popular choice, but that doesn’t mean they are the best. Banks are under certain stipulations put in place by the federal government, which may hinder your ability to qualify. Mortgage brokers are not lenders themselves but they work with lenders to help you find the best rates. In some ways, brokers have more flexibility with the solutions they can help you find. Finally, alternative and private mortgage lenders represent a smaller number of lending institutions in Canada, but due to recent changes to mortgage qualifications and difficult stress tests, they are becoming an increasingly popular option for Canadians.  5. Do Your Homework Buying a house could well be the most significant financial decision you make in your lifetime. For that reason, it’s not something you should take lightly. Choosing the right mortgage lender involves asking the right questions, reading the fine print, and researching the company or institution. You may consider taking recommendations from your friends or even your realtor, however, you should still perform your own research; consider looking at reviews and testimonials online and making a list of important questions to ask. Be sure to inquire about turnaround times for approval — you don’t want a delay in your mortgage to prevent you from closing on the house of your dreams. You should also discuss loam terms and estimated monthly payments for your mortgage so that you can budget accordingly.  The Right Mortgage Lender Can Make All the Difference   Finding a mortgage lender can be a daunting task, but as long as you remain educated and informed, you’ll be able to make the decision that’s right for you. You can ask for advice from a qualified and experienced mortgage broker and learn about how to account for future home renovations and mortgage renewals in the process of applying for a mortgage.  Whether you’re looking to borrow or invest, Alta West Capital can help. We offer a number of lending solutions for first time buyers, individuals and families that are new to Canada, self-employed business owners, real estate investors and more. Alta West loans are fast and flexible to fit your needs. Visit our website to apply online or contact us directly. Call (403) 254-9075 or email info@awcapital.ca.   #### A Guide to New to Canada Mortgages If you’re new to Canada, welcome! You’ve come looking for new opportunities and a fresh start. One of the first things you’ll want to do is get settled into a home of your own. It can be challenging to secure a new to Canada mortgage so follow this guide to make the process go more smoothly. Know What You Can Afford for a New to Canada Mortgage One of the first things you should determine is what you can afford. Consider what your finances will allow you to make as a monthly payment and what you plan to put forward as a down payment; this is an important first step so that you can negotiate effectively with a mortgage lender. Build Your Credit Before Applying for a New to Canada Mortgage In order to apply for a new to Canada mortgage, you’ll need to go through a credit check. While a private mortgage lender will often approve a mortgage application even if you have poor credit, it's a good idea to start taking steps to improve your rating. You can apply for and regularly pay off a credit card and make sure you never get behind on your monthly bills for rent, utilities, phones etc. Save For a New to Canada Mortgage Down Payment Once you have determined your budget and you’ve begun to improve your credit rating, you should start saving for a down payment. You should plan to make a down payment that is somewhere between ten and fifteen percent of the overall list price of the home you plan to buy. Find a Private Mortgage Lender Funding a mortgage is difficult for many Canadians because of the strict rules and requirements put in place by the government. Individuals that are new to Canada and, in most cases, cannot rely on their credit score from their country of origin are in an even more challenging situation. With more lenient approval requirement, a mortgage investment corporation that offers private lending options is the way to go for most new immigrants and individuals seeking permanent residency and citizenship. Whether you’re looking to borrow or invest, Alta West Capital can help. We offer a number of lending solutions for first time buyers, individuals and families that are new to Canada, self-employed business owners, real estate investors and more. Alta West loans are fast and flexible to fit your needs. Visit our website to apply online or contact us directly. Call (403) 254-9075 or email info@awcapital.ca. #### Alta West Capital Acquires Premiere Home Mortgage Calgary, Alberta (September 1, 2025), Alta West Mortgage Capital Corporation (“Alta West Capital”) is pleased to announce that it has acquired Premiere Home Mortgage Ltd. (“Premiere Mortgage”), one of Canada’s foremost alternative lenders. For forty years, Premiere Mortgage has been steadfast in its service to mortgage broker partners, borrowers, and investors alike. Premiere Mortgage has demonstrated consistency for decades as a highly regarded financial services provider with a wide range of credit products backed by a diversified investment fund with a multi-decade track record. Alta West Capital is committed to maintaining Premiere’s proven formula for success, with this acquisition reinforcing both companies’ dedication to executing their long-term growth strategies with excellence. This acquisition presents a clear path forward for both organizations; a path where Alta West Capital extends its reach while Premiere Mortgage fortifies its capabilities through an enhanced product suite, modernized tech stack, institutional liquidity, and operational refinements. This transaction is the natural next step in a longstanding relationship between the two companies built on a foundation of shared values of trust, stability, and security. These values are precisely why the two companies chose to move forward together, confident that this alignment will create a stronger platform for clients, investors, and communities alike. George Botros, CEO of Alta West Capital, states: “Alta West Capital has been working hard to scale itself up over the past few years. We view Premiere Mortgage as an ideal fit for Alta West because their strengths complement our own. For both companies, this acquisition will generate economies of scale and broaden our respective product offerings. This partnership combines expertise and resources to elevate both AWC’s and Premiere's platforms. Our alignment of values will ensure the lasting positive impact of this deal for all stakeholders.” John Mercuri, President & CEO of Premiere Mortgage, states: “We are very excited to align with Alta West. Our collective resources will expand business operations, drive growth and diversification, and create greater long-term value for all stakeholders, particularly our valued investor and broker partners.” This transaction marks the initial steps in a deliberate growth strategy for Alta West Capital. By welcoming Premiere Home Mortgage onto the AWC platform, the veteran experience of two industry leaders has been combined. ABOUT ALTA WEST CAPITAL Alta West Capital, founded in 1991, is an industry leading alternative lender and mortgage investment manager with over three decades of experience delivering tailored financial solutions across Western Canada and Ontario. We are proudly Western-Canadian-owned and operated. The firm prides itself on expedient, accessible service, offering creative, equity-based lending solutions and diversified Mortgage Investment Entities that offer alternative fixed income opportunities for investors. Trusted by those navigating non-traditional financing paths or seeking dependable alternative investment strategies, Alta West Capital combines personalized service with deep expertise to unlock possibilities and make financial goals a reality. ABOUT PREMIERE HOME MORTGAGE Founded in 1985, Premiere Mortgage has become a trusted partner to mortgage brokers and their borrower clients throughout British Columbia, Alberta, and Ontario. The firm specializes in equity-based residential financing for borrowers who do not fit the traditional bank mold. Through its exclusive lending source, Premiere Canadian Mortgage Corp., Premiere Mortgage offers competitive pricing, flexible terms, and funding options for most purposes on a wide range of residential real estate. For four decades, Premiere has delivered practical solutions and dependable results for their broker partners and clients when conventional financing is not an option. For more information, please contact: George Botros Chief Executive Officer george@awcapital.ca David Barer Chief Financial Officer david@awcapital.ca #### Alternative Fixed Income Investments BUILDING WEALTH THROUGH MANAGED MORTGAGE INVESTMENT FUNDS Mortgage Investment Corporations (MICs) offer a distinct avenue for investors seeking alternative fixed-income opportunities. This involves direct investment in a private mortgage fund established to maintain a pool of mortgages. Firms that distribute these types of instruments must be securities registered and must comply with applicable compliance and registration obligations1. We take these requirements seriously, which involve disclosure of conflicts of interest, suitability obligations, educational proficiencies, having effective controls, and policies in place. Alta West Capital is an established alternative lender in residential mortgage portfolio management. With over three decades of experience, we know how to manage risk. We have navigated through diverse market cycles including various economic and housing market downturns. Alta West Capital provides investors with indirect access to the residential real estate market through MIC investments in our professionally managed residential mortgage portfolios.  Risk Management is key to Alta West Capital. We believe you can create shareholder value within a framework of meeting regulatory and lending guidelines. We continuously attempt to identify and control risk, internal and external. Each fund’s strategy is to remain competitive amongst residential mortgage lenders. Our goal is to offer reasonable lending rates to qualified borrowers, and in turn, aim to preserve investor capital and provide consistent monthly returns. Before making an investment in a mortgage fund, it is important to take a multi-dimensional approach, analyzing the risk and reward of the fund. For example, a mortgage fund must be well-diversified to mitigate credit risk. The MICs managed by AWC are focused on residential properties that are diversified across 3 provinces (BC, AB, and ON). These portfolios encompass 1,000+ loans, with a particular emphasis on smaller loan sizes to diversify risk in the portfolio. There are many factors to consider when investing in a MIC such as the composition and size of the portfolio as this may be a good indicator of the risk this investor is assuming. We offer two mortgage funds, targeting stable returns, to meet risk/return objectives for each investor: Diversified MIC and First Place MIC. Please refer to the full disclaimer for a description of Alta West Capital's category and jurisdictions of registration. GET STARTED TODAY! For a deeper dive into Alta West Capital's investment offerings, our friendly Investor Relations team will be happy to answer any questions you have. Consider Alta West Capital for your investment needs. CONTACT US #### Building Friendships and a Reminder to be Thankful This was the first day of building homes with our new friends in El Salvador. I do not use the word friend lightly as we were made to feel welcome as soon as we got to our building sites. It was as if we had known each other for a lifetime already. God willing our goal was to build 2 homes per team every day. We started slow in the morning but all the teams accomplished the goal. Building homes is only half the reward. Every one of the groups was allowed to interview the family that the home was built for. If the reward for the family was the home, the reward for our team was the interview. Our team learned more in five minutes with our family than they could learn from us in a year. We learned that  regardless of what little they had, they were so thankful. The most special moment of our day came when our  group leader Chuck asked the head of the family Moises,  a 25 year old electrician and father of 2, a very simple question: What does this home mean to you? Moises could not answer the question in words but his emotion and eyes said enough. They asked me to be brief so I will finish with one last sentence. Thanks be to God. George Botros #### Building Hope in El Salvador - Online! In November 2019, the Alta West Capital (AWC) team along with a group of investors travelled to El Salvador with Shelter Canada and built 20 houses for families in need. AWC’s plan was to travel back to El Salvador this year and build an additional 25 houses, however teams have been unable to travel to El Salvador due to the travel restrictions caused by the COVID-19 pandemic. Shelter Nexus - Building Hope Online Program To adapt to the restrictions placed for safety and precautions from the pandemic, Shelter Canada has developed the “Shelter Nexus – Building Hope Online” program. This allows Canadians to still connect with those in El Salvador and assist in the building of homes for those that are the most in need. Alta West Capital and its staff donated six homes to families in need and we have started our journey in the virtual build and have met the families we will be building these houses for. El Salvador Still Needs Homes Although COVID-19 has disrupted nearly every facet of society, the desperate need for homes in El Salvador has not gone away. The pandemic has only amplified the need for Shelter Canada to continue its important mission to get the most vulnerable El Salvadorians in homes. In addition to the global health crisis that has struck El Salvador particularly hard, the country was also devastated by two tropical storms that caused extreme flooding. Hope for a Better Future Although we cannot be there physically lending our hands, our hearts are with them. We are still providing a positive, sustainable changes in the lives of the people of El Salvador. These houses do not just provide four walls and a roof, it offers the community a sense of hope. Hope provides a sense of possibility to envision a better future, especially in times of uncertainty. To meet the families and follow Alta West Capital's journey, click here. Shelter Canada is a non-profit organization with the goal of creating positive, sustainable change in the lives of people in all the poorest communities of El Salvador. For more information on Shelter Canada, please visit here.  #### Business as Usual. And Better Than Ever. Welcome one and all to The Alta West Summit, Alta West Mortgage Capital Corporation’s (Alta West Capital) quarterly newsletter created to educate, inform, and engage on key topics in the landscape of Canadian mortgage and finance. In this issue, we explore the ripple effects of current political events, the state of Canadian real estate markets, and what these mean for brokers and investors alike. Most importantly, we share how Alta West Capital continues to stand strong amid uncertainty—business as usual, and better than ever. Canada’s Economy in Flux—But Alta West Capital Stands Ready Canadian mortgage originations are rising rapidly this year and are expected to continue surging. The long-anticipated mortgage renewal wave is cresting1. Thousands of Canadian borrowers, unable to qualify with traditional institutions, are turning to well-capitalized, disciplined alternative lenders like Alta West Capital. This has and will continue to create a huge opportunity for brokers in the mortgage market. For Our Brokers Alta West Capital remains a dependable partner. Our current liquidity position is one of immense fortitude. The breadth of our capital partners gives us access to industry-leading rates and the flexibility to fund deals when others cannot. Testifying to this is the fact that April has been an outstanding month for Alta West Capital in terms of business and deals. Our current capacity to fund deals is unparalleled. Our existing lender stakeholders provide an industry-leading perspective on rates and the wide scope of deals we can fund. Alta West Capital continues to break its own funding records and is confident that this will not end in the near future! To support our broker partners, we’ve launched our new Broker Referral Program: Refer a broker who funds their first deal with us, and you’ll receive $250. There’s no cap on referrals—it’s our way of saying thank you for helping us grow our broker community. Refer A Broker Here Has it been a while since you last worked with AWC? Let’s reconnect. Book a meeting with your designated BDM to discuss how we can support your alternative deals. Has it been a while since you last worked with AWC? Let’s reconk Book A Meeting HereHear from our CFO David Barer and CEO George Botros as they break down how our MIC stands apart from traditional asset classes — offering stability, performance, and opportunity in today’s market. For Our Investors We’ve operated for over 30 years on one guiding principle: consistency. In today’s market, that’s a powerful asset. Alternative Asset classes such as MICs with a portfolio of residential properties can remain stable and consistent even through times where there is volatility in the equities markets and bonds are declining. This is where we believe the MIC's managed by Alta West Capital shine. Unlike equities and fixed-income products, MICs with a residential portfolio are non-correlated with the stock market and therefore do not experience the same fluctuations. Our performance is driven by underwriting discipline, not market sentiment. At Alta West Capital, we don’t chase yield. While others loosen underwriting parameters to boost volume, we do the opposite. Caution and conviction go hand in hand. We maintain that discipline is the greatest investment strategy. As such, amid geopolitical tensions, tariff threats, and inflationary pressures, we underwrite every single deal with the same criteria and standards for excellence. Jared Morrison, Broker Of Record Canada & Global Markets: A Complex Landscape Markets both domestic and abroad are rife with roiling uncertainty. World leaders, financial institutions, retail investors, and families alike are trying to navigate a rapidly evolving landscape of financial fragility driven by persistent geopolitical tensions. Unceasing uncertainty around U.S. tariffs, Canadian countermeasures, and the federal election continues to weigh on consumer sentiment, dampening manufacturing, employment (33,000 jobs lost in March)2, and housing demand just as the spring market began. Toronto saw home sales plunge 23% year-over-year in March, with prices down 2.5%. Vancouver followed suit—sales fell 13%, prices declined 5–6%, and new listings surged 29%, tipping the market in buyers’ favour. Calgary’s correction saw sales drop nearly 19% year-over-year, though prices held firm despite doubled inventory, indicating how robust the market is. Edmonton remains the bright spot, with sales edging up and prices rising nearly 9% on tight supply. Though sales are subdued, markets are cyclical. Homebuilding is slowing as developers pull back, and single-family construction lingers at multi-decade lows, suggesting balance will return. With the liberal party having won the recent election, rest assured that AWC is poised to capitalize on whatever direction the liberal party takes concerning Canada’s real estate market.  ~Jared Morrison, Broker Of Record Recognition: Lender of the Year As a reflection of our dedication to excellence, Alta West Capital is proud to announce the company has been named Lender of the Year by the Canadian Mortgage Awards. This serves as a testament to our relationship with stakeholders. No matter who you are, Alta West Capital wants to build a better future with you. Regardless of whether the market is volatile or steady, we want to help you achieve financial freedom. Wherever your peak lies, we’ll help you summit it. MICs in the spotlight We offer two flagship funds that have never delivered a negative return: Diversified: A risk-adjusted, geographically diversified mortgage portfolio with strong monthly performance. As Brent Shaw, our Chief Risk Officer, says: “Discipline is durability.” AWM Diversified MICFirst Place: Our most steadfast fund, designed with capital preservation and stable monthly income in mind. Built for turbulent times, First Place stays guided by disciplined underwriting. First Place MIC Thank You Your trust enables us to keep building. Through every interest rate change, every news cycle, and every market shake-up, you are why we do what we do. Thank you for climbing with us. Book A Chat With Us!START YOUR INVESTMENT JOURNEY If you have questions regarding our lending or investment products, please reach out to our team. FacebookThis field is for validation purposes and should be left unchanged.Name(Required) First Last Email(Required) Phone(Required)Location (province)(Required)Location (province)AlbertaOntarioBritish Columbia Alta West Capital is registered as an Exempt Market Dealer (“EMD”), Restricted Portfolio Manager (“RPM”) and Investment Fund Manager (“IFM”) in the province of Alberta. The firm is also registered in the provinces of British Columbia, Ontario, Manitoba, Saskatchewan and Yukon as an EMD. This information is directed only to residents of those provinces. For more information, contact Investor Relations at (403) 254-9075 ext. 4218 or by email at investor.relations@awcapital.ca. This communication is only directed to persons in these jurisdictions. Alta West Capital holds a mortgage broker license in British Columbia, Alberta and Ontario. FSCO Brokerage License 12633, FSCO Mortgage Admin License 12634. The opinions, analysis and information contained herein are current as of the date indicated on this newsletter, and Alta West Capital does not undertake to notify the reader of any subsequent change. Alta West Capital has not taken any steps to verify the accuracy and completeness of any third-party data referenced in this document. Fund information contained herein is for general information purposes and is not intended to be a solicitation or recommendation. Important information regarding the funds is set out in the offering document, which should be reviewed prior to investing. Please contact us for a copy of this document. Actual future performance may vary from historic performance. Sources: 1. https://www.canadianmortgagetrends.com/2025/03/mortgage-market-braces-for-impact-as-one-million-renewals-loom-and-defaults-climb/#:~:text=Equifax%20estimates%20that%20more%20than%20one%20million%20fixed-rate,with%20overall%20balances%20past%20due%20rising%2043%25%20year-over-year.↩ 2. https://www.cbc.ca/news/business/canada-unemployment-march-2025-1.7501875↩ #### Canadians Are Turning to Private Mortgage Lenders While private mortgage lenders have never been the leading providers of loans to Canadians, they have seen an increase in demand in recent years. It seems many Canadians are seeking alternatives to the banks; this article will explore some of the possible reasons behind this phenomenon as well as the benefits of doing so. Changes in the Marketplace Lead Canadians to Private Mortgage Lenders The real estate market is an ever-changing and evolving entity. In Canada, a number of major cities are experiencing rising interest rates and affordability crisis. In some of these cases, individuals that are in need of an emergency sum of money would rather turn to a private mortgage lender who offers loans for other larger investments in addition to homes. Mortgage Refusal From the Bank The most significant reason for Canadians to turn to alternative mortgage lenders is when the bank denies their loan. Individuals with poor credit, self-employed business owners or families that are new to Canada are often turned away by the bank, and a private mortgage lender caters to the needs of these individuals. Mortgage Stress Tests Laws and regulations that require mortgage approvals based on higher interest rates have led many Canadians to choose a private mortgage lender for a mortgage renewal, second home mortgage and other services. Private mortgage lenders are not under the same regulations as the banks, and as such, when individuals are no longer approved for a mortgage under these stricter stress tests, they turn to an alternative whereby they are more likely to be approved. When it comes to mortgages, a private mortgage lender is the best alternative to the bank. Whether you need a significant loan for a home renovation, debt consolidation services, or you’re a first-time home buyer, you can trust a private mortgage lender to provide you with the loan you need and unparalleled service. Whether you’re looking to borrow or invest, Alta West Capital can help. We offer a number of lending solutions for first time buyers, individuals and families that are new to Canada, self-employed business owners, real estate investors and more. Alta West loans are fast and flexible to fit your needs. Visit our website to apply online or contact us directly. Call (403) 254-9075 or email info@awcapital.ca. #### Committed To Excellence: We're Here To Serve You Better At Alta West Capital (AWC), we are committed to excellence and understand that it’s the little things that make the biggest difference. Central to our company’s vision is our dedication to this principle. Whether it is our open-door approach, personalized customer service, or our commitment to giving back to those in need, we continually strive to make a meaningful difference. Here are a few of the focal points that underscore our unwavering commitment to our vision: Personalized Services as a Cornerstone. Despite our growth since our inception in 1991, we’ve maintained steadfast in prioritizing personalized service. Whether you are a borrower, broker or investor, our door is always open. Accessible Support. Questions or assistance needed? Reach out to us by phone or email at any time, as we aim to respond the same day during regular business hours. Simplifying Your Experience. We recognize that investing is a significant decision. We consistently go above and beyond to accommodate your needs, ensuring your investment journey with us is not only seamless but also remarkably positive. Enriching Communities. Philanthropy holds a special place in our hearts. We’re deeply involved with organizations like Shelter Canada and Victory Outreach, reflecting our commitment to giving back. Empowering Borrowers. We take pride in assisting our borrowers. We have mortgage services for every stage of life. Whether it’s to buy a new home or to refinance their existing mortgage, if you are new to Canada, self-employed, or have past credit problems, we love being part of the solution. Learn more about our First Place MIC and AWC Diversified MIC HELPING YOU PLAN AHEAD Our team recognizes the importance of your investment capital because we see how good investments can change lives every day. We witness firsthand how investments can shape lives for the better – from new families embarking on fresh beginnings to newcomers seeking improved opportunities, busy professionals seeking third-party managers to handle their investments, and individuals planning for a brighter tomorrow. These are values that resonate deeply within AWC. Let us know how we can elevate your investment experience. Book A Chat With Us! #### Considering a MIC? Here Are Some Things to Look For When considering a MIC, it’s important to know that not all mortgage funds are alike. There are many considerations to factor in when determining which mortgage fund aligns with your risk tolerance, cashflow requirements, time horizon, and diversification needs amongst others. HERE ARE SOME KEY AREAS TO CONSIDER: Tenured Alternative Lender Changes in the fund management can impact strategies and portfolio composition. It's important to research the underlying mortgage fund and fund manager's historical performance and track record. An experienced and steady fund manager with a proven track record can be helpful and provides insight into the quality of the fund’s management. They should have the ability and experience to balance new investor capital and finding suitable potential borrowers within the established portfolio guidelines. Historical Returns Historical data since inception can also reveal how a fund has performed during various market conditions, economic cycles, and interest rate environments, offering insights into its resilience and adaptability. Thus, it is important to evaluate the fund’s long-term history. Is there a long track record of positive returns (i.e., 5-10 years)? Has there been a negative return and if so, how long and why? Even though past performance is not an indication of future results, it offers valuable insight on the fund. Real Estate Security Although the description of different mortgage funds may sound the same, the security behind mortgages in the fund can make a big difference in the fund’s riskiness. Residential properties tend to be far more liquid and stable, due to higher demand. Default ratios on residential properties tend to be lower due to the collateral. Residential individual borrowers will typically make their mortgage payments a priority above all else. In contrast, mortgages on land development and commercial/construction can be speculative and may require outlays for costs that do not provide a tangible value unless the project is completed. Financial Statements An investor should thoroughly analyze the MIC’s financial statements. Do they maintain cash flow to cover dividends after accounting for expenses? One should assess the history of losses (if any) within the mortgage portfolio and whether provisions are sufficient to mitigate potential losses. Management Fees & Fund Expenses Consider more than just management fees. Determine how other expenses are covered by the fund. In cases where the fund is only paying the management fee and professional fees (legal and accounting), the management fees may be slightly higher. If the fund is directly paying other costs such as office expenses and wages, the management fee tends to be less. Another consideration may be to find out if management fees are paid on the leveraged portion of the portfolio as this adds to the costs of borrowing and reduces the interest spread earned on those portfolios. Default Rate Examine the default rate within the MICs portfolio. Understanding the status of mortgages in arrears offers insights into the portfolio quality. Portfolio Size A portfolio that holds a larger number of mortages may help to distribute credit risk against non-payment scenarios. Therefore, returns to investors are less likely to be affected. Loan Size Smaller average loan sizes mean that the default of a few mortgages in the portfolio may have less of an impact on the portfolio than one large loan with the same percentage of principal loss. Diversification Across Markets Ensure the MIC mortgage portfolio spans diverse real estate markets to mitigate concentration risk. A lack of diversification in different real estate markets subjects the MICs portfolio to lower market downturns. A large portion of the portfolio should be invested in larger urban areas as those properties can be more easily liquidated in the event of a foreclosure. Redemption Policies Are there lock-in periods and penalties for redeeming in specified time periods? How long is the waiting period? Shares of MICs are usually purchased for investors to buy and hold, but does the MIC recognize that life events may occur, and you may need to redeem earlier than you originally planned? If so, what penalties are associated with an earlier liquidation? Investment Limits What are the maximum loan amounts? What is the maximum loan-to-value (LTV) allowed based on the types and locations of properties? Investment limits on how much the MIC portfolio can be concentrated in one mortgage can be an indication of how the company manages risk. Risk Management Risk management for the mortgage approval process is also important as this determines the quality of deals in the portfolio. The quality of the mortgages such as the location of the property, LTV, borrower’s information (credit ratings, income verification), independent evaluation of property value, etc. should be the Portfolio Manager’s focus. Transparency Regular and comprehensive reporting, along with audited financial statements are important so that investors are kept informed about their investment. Learn more about our First Place MIC and AWC Diversified MIC TAKING THE NEXT STEP: If you would like more information about Alta West Capital's investment opportunities, our friendly Investor Relations team will be happy to answer any questions you have. Book A Chat With Us! #### Consistency is Priceless 4th Edition- The Alta West Summit Another eventful quarter has unfolded in Canada. As of the writing of this newsletter, the U.S. is poised to impose 35% tariffs on Canadian goods outside the USMCA (USA, Mexico, Canada Trade Agreement) -- steel, aluminum etc.-- escalating trade tensions. Canada has paused retaliation but has introduced protective steel tariffs and quotas. The federal government is negotiating a deal, though some tariffs are expected to remain. The uncertainty is straining exporters and raising costs, with alternative lenders poised to benefit from the disruption through the domino effect of national economic strain leading to stricter lending requirements from Banks.  Canada's housing and lending markets are entering a period of recalibration. At the same time, over a million mortgage renewals loom in 2025, most at higher rates, with many Canadians now turning to flexible, alternative lending solutions.   Through it all, Alta West Capital remains steadfast in its mission: delivering consistent returns for investors and dependable deal flow for brokers. As macroeconomic volatility tests the market, AWC's disciplined, consistent approach offers rare stability for stakeholders within a shifting landscape Company News AWC has had a great quarter, having hosted a number of events, expressing our deep appreciation for Real Estate professional partners and investors alike.  George Botros, CEO CEO Commentary: The Road Ahead While markets await clarity on pending U.S. tariff negotiations, recent economic indicators suggest cautious optimism.  July marks a shift in the tariff landscape as newly tariffed goods begin clearing U.S. customs, and duties are paid directly by consumers. Rising import costs will squeeze retailer margins and inflate construction expenses. Tariffs on metals, lumber, and Canadian energy are adding to the fiscal strain. This could cool housing starts and intensify affordability challenges. As the market adjusts, demand for flexible, alternative financing is expected to surge. This will present a key opportunity for lenders like AWC to support borrowers who have good equity positions in their real estate. We are seeing Canada’s housing market correcting, with conditions increasingly favoring buyers. Consumer confidence is weak amid global uncertainty and a new federal government, while U.S. tariffs and exposure to export-driven jobs add economic strain. In addition to this, over 1.2 million mortgages will be renewed in 2025—mostly at higher rates—prompting many borrowers, particularly in Ontario and BC, to seek longer amortizations or alternative lending.  It is clear the Canadian Real Estate market is transitioning. Although housing starts may be declining, we are beginning to see demand for other solutions. As more borrowers are turned away by traditional banks, private lenders like Alta West Capital are gaining ground in the arena of debt consolidation and renewals as individuals search for variable-rate mortgages. Further to this, uninsured mortgages, extended amortizations, and Line of Credit options are on the rise, reflecting increased demand for flexible financing. For alternative lenders like us, this environment is rife with opportunity—especially for short-term, interest-only, or mezzanine solutions backed by disciplined underwriting.  Watch our new video  “The life of a deal,” which shows how Alta West Capital continues to unlock possibilities for borrowers, brokers, and investors alike, in any sort of economic weather. Jared Morrison, Principal Broker Principal Broker Commentary: Addressing The Housing Market The Canadian property market is entering a transitional phase as we move deeper into summer 2025. Alberta continues to stand out as the most resilient, supported by strong interprovincial migration, affordable prices, and modestly rising sales. British Columbia has struggled to find a toehold amidst weak buyer sentiment, increasing inventory, and ongoing price declines. The falling knife of Ontario’s market has potentially found its bottom in terms of sales volumes, with emerging signs of stabilization. However, price recovery, especially in the oversupplied condo segment, remains elusive. While fiscal uncertainty has become the primary reason for buyers to sit on the sidelines, the nationwide economic backdrop is gradually becoming clearer and more supportive. Core inflation, despite a recent uptick, remains within the Bank of Canada’s acceptable threshold. Another indicator of confidence is the Labour Force Survey, showing annual employment growth of 1.6%. The labour market can be fickle, and it's too early to tell if this is a statistical blip or a longer-term trend. On the other hand, a near-zero population growth rate, driven by a decline in temporary residents, is dampening rental demand. Ownership demand may increase as the economic picture improves, which is likely to lead to modest strengthening of the single-family property markets in Alberta and Ontario. In contrast, BC may require more time for excess inventory to be absorbed. Sorry, your browser doesn't support embedded videos.Get a “Boots on the Ground” view of the market Check out this clip from our recent summit podcast where our trusted broker partner, Tina Trama-Mayol, discusses the keys to success in navigating deals  Have questions regarding our lending or investment products? Contact UsIf you have any suggestions for what you would like us to include in future newsletters, please let us know below. Suggest HereLessons from History - Editor's Note Amidst changing market conditions, a singular message rings out to brokers and investors alike: You cannot put a price on consistency. That is the primary mission of AWC: to offer consistency to all stakeholders. The goal of consistent dividends for our investors is matched by our striving to offer consistent business and opportunity to our mortgage professional partners. The same goes for our borrowers, who deserve a lender who can offer them reliability in a world of discordance. A fantastic example of the value of consistency is given by Herodotus, an ancient Greek historian, writing in the 5th century BC. Here he talks about the Persian messenger system.   “There is nothing that travels faster, and yet is mortal, than these couriers; the Persians invented this system, which worked as follows. There are as many horses and men posted at intervals as there are days required for the entire journey; so one horse and one man are assigned one task on each day. And neither snow nor rain nor extreme heat nor dark of night keeps them from completing their appointed course as swiftly as possible. The first courier passes on the information to the second, the second to their third, and so on it goes, just as the torch-bearing ceremony is celebrated by the Greeks (referring to the Olympics)”.   If this sounds familiar to you, it’s because the founding fathers of the US were big classicists and based the motto of the US postal service on the Persian messenger system described here.   At AWC, this perfectly encapsulates our investment philosophy; the Persians didn’t have the fastest messaging system of the ancient world because they had the best horses or the most advanced navigation technology. No, they surpassed all others because they were the most indomitable. They could not be deterred by anything, one day, one horse, one task. Everything one step at a time, that’s what made them unstoppable. This is exactly our goal in managing the funds. No home runs, just getting onto base, every time.   For our broker partners, the principal remains unchanged: we will give you consistent business. If you bring us a deal that’s in our wheelhouse, that’s in our prescribed area of expertise, we’ll make it happen every single time. The key to success isn’t abrupt bursts of focus or power or speed or high returns; it is doing something consistently, even if just a little bit, but doing it well, every single day.   -James McKitrick- The Express-B Low Doc ProductOur newest product is designed with Private ease and 'B' fees. Designed as a new solution for your clients, we are offering a rate of 5.99% with a fee of only 1%! Mortgage ProductsInvestment ProductsFirst Place MIC First Place is an exclusively first mortgage fund, designed with stable monthly income in mind. First Place is guided by disciplined underwriting. First Place MIC Investment ProductsAWM Diversified MIC A risk-adjusted, geographically diversified mortgage portfolio with strong monthly performance. As Brent Shaw, our Chief Risk Officer, says: “Discipline is durability.” AWM Diversified MICClick below to read previous newsletters Read HereAlta West Capital is registered as an Exempt Market Dealer (“EMD”), Restricted Portfolio Manager (“RPM”) and Investment Fund Manager (“IFM”) in the province of Alberta. The firm is also registered in the provinces of British Columbia, Ontario, Manitoba, Saskatchewan and Yukon as an EMD. This information is directed only to residents of those provinces. For more information, contact Investor Relations at (403) 254-9075 ext. 4218 or by email . This communication is only directed to persons in these jurisdictions. Alta West Capital holds a mortgage broker license in British Columbia, a mortgage brokerage license in Alberta and Ontario, as well as a mortgage administration license in Ontario. FSRA Brokerage License 12633, FSRA Mortgage Admin License 12634. The opinions, analysis and information contained herein are current as of the date indicated, and Alta West Capital does not undertake to notify the reader of any subsequent change. Any information is not intended to constitute tax advice. Alta West Capital has not taken any steps to verify the accuracy and completeness of any third-party data referenced herein. Fund information contained herein or in any video is for general information purposes and is not intended to be a solicitation or recommendation nor is it intended to serve as a full or comprehensive description of the funds managed by Alta West Capital. Important information regarding the funds is set out in the offering document and Relationship Disclosure document, which should be reviewed prior to investing. Please contact us for a copy of these documents. Units of the MICs are not available for public distribution and may only be purchased by qualified investors. Past performance is no guarantee of future results. Actual performance will vary. Sources: BMO, 2025. BMO Survey: Rising recession concerns among Canadians sidelining prospective homebuyers. [online] Available at: https://newsroom.bmo.com/2025-05-05-BMO-Survey-Rising-Recession-Concerns-Among-Canadians-Sidelining-Prospective-Homebuyers [Accessed 16 May 2025].  Bank of Canada, 2025. Funds advanced and outstanding balances for new and existing lending by chartered banks. [online] Available at: https://www.bankofcanada.ca/rates/banking-and-financial-statistics/funds-advanced-and-outstanding-balances-for-new-and-existing-lending-by-chartered-banks/ [Accessed 21 May 2025].  Canada Mortgage and Housing Corporation (CMHC), 2024. Residential Mortgage Industry Report: Fall 2024. [pdf] Ottawa: CMHC. Available at: https://assets.cmhc-schl.gc.ca/sites/cmhc/professional/housing-markets-data-and-research/housing-research/research-reports/housing-finance/residential-mortgage-industry-report/2024/residential-mortgage-industry-report-fall-2024-en.pdf [Accessed 16 May 2025].  Canada Mortgage and Housing Corporation (CMHC), 2025. Mortgage delinquency rate: Canada, provinces, CMAs. [online] Available at: https://www.cmhc-schl.gc.ca/professionals/housing-markets-data-and-research/housing-data/data-tables/mortgage-and-debt/mortgage-delinquency-rate-canada-provinces-cmas [Accessed 16 May 2025].  Canada Mortgage and Housing Corporation (CMHC), 2025. Residential Mortgage Industry Data Dashboard. [online] Available at: https://www.cmhc-schl.gc.ca/professionals/housing-markets-data-and-research/housing-data/residential-mortgage-industry-data-dashboard [Accessed 16 May 2025].  Canadian Mortgage Trends, 2025. Mortgage market braces for impact as one million renewals loom and defaults climb. [online] Available at: https://www.canadianmortgagetrends.com/2025/03/mortgage-market-braces-for-impact-as-one-million-renewals-loom-and-defaults-climb/ [Accessed 22 May 2025].  Government of Canada, 2025. Canada’s response to U.S. tariffs: Complete list of U.S. products subject to counter-tariffs. [online] Available at: https://www.canada.ca/en/department-finance/programs/international-trade-finance-policy/canadas-response-us-tariffs/complete-list-us-products-subject-to-counter-tariffs.html [Accessed 16 May 2025].  Mortgage Professional America, 2025. Canadian consumer confidence grows after election but housing sentiment lags. [online] Available at: https://www.mpamag.com/ca/mortgage-industry/market-updates/canadian-consumer-confidence-grows-after-election-but-housing-sentiment-lags/535482 [Accessed 16 May 2025].  MSN News, 2025. Consumer confidence rises in Canada after Carney’s election win. [online] Available at: https://www.msn.com/en-us/money/markets/consumer-confidence-rises-in-canada-after-carney-s-election-win/ar-AA1ECbxM [Accessed 16 May 2025].  Prepare for Canada, 2025. Monthly housing market report. [online] Available at: https://prepareforcanada.com/tag/monthly-housing-market-report [Accessed 16 May 2025].  RBC Economics, 2025. Trade war sours Canadian housing market sentiment and recovery. [online] Available at: https://www.rbc.com/en/thought-leadership/economics/canadianhousing/monthly-housing-market-update/trade-war-sours-canadian-housing-market-sentiment-and-recovery/ [Accessed 22 May 2025].  RBC Wealth Management, 2025. Canada confronts U.S. protectionism. [online] Available at: https://www.rbcwealthmanagement.com/en-asia/insights/canada-confronts-us-protectionism [Accessed 16 May 2025].  Statistics Canada, 2024. The evolving landscape of Canadian lending: Key trends in mortgage and non-mortgage loans. Catalogue no. 11-621-M – No. 009. [online] Available at: https://www150.statcan.gc.ca/n1/pub/11-621-m/11-621-m2024009-eng.htm [Accessed 22 May 2025].  Statistics Canada, 2025. Employment by industry, annual (Table 14-10-0202-01). [online] Available at: https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1410020201 [Accessed 16 May 2025].  Statistics Canada, 2025. Gross domestic product by industry, January 2025. [online] Available at: https://www150.statcan.gc.ca/n1/daily-quotidien/250328/dq250328a-eng.htm [Accessed 16 May 2025].  Statistics Canada, 2025. New housing price index (1810-0205-01). [online] Available at: https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1810020501 [Accessed 16 May 2025].  The Canadian Real Estate Association (CREA), 2025. Declines in Canadian Home Sales Take a Pause in April Despite Ongoing Tariff Pressures. [online] Available at: https://www.crea.ca/housing-market-analysis/national-statistics/ [Accessed 16 May 2025].  The White House, 2025. Fact Sheet: President Donald J. Trump imposes tariffs on imports from Canada, Mexico, and China. [online] Available at: https://www.whitehouse.gov/fact-sheets/2025/02/fact-sheet-president-donald-j-trump-imposes-tariffs-on-imports-from-canada-mexico-and-china/ [Accessed 16 May 2025]  #### COVID-19: Federal and Provincial Support Financial Support The economic uncertainty caused by COVID-19 has impacted almost every Canadian, both indirectly and directly in some way. To mitigate the financial burden, new measures for financial assistance have been announced by the Federal and Provincial governments.   For further details and a complete list of all these measures, you can visit the Government of Canada’s and your Provincial Government’s COVID-19 response pages.   We are in this together, a message from our CEO. Federal Support The government of Canada has released sweeping measures to help not only individuals impacted by the COVID-19 crisis, but for businesses as well. For a complete list of all these measures, click here. Provincial Support The provincial governments have implemented a wide range of options to help. To learn more about the options available to you at the provincial level, click below to find what may be of help to you.   British Columbia Alberta Ontario Other Resources The stress brought about by social isolation, the disruption to day to day life and financial worries brought about by COVID-19 pandemic can have a significant impact on mental health.  The government, both at the Federal and Provincial levels, have significantly boosted funding to many mental help resources available. If you need help, you can reach out to the following services:   National Resources Kids Help Phone – 1-800-668-6868 Free, anonymous, confidential telephone and web counseling for youth in Canada.  Toll Free Crisis Line / Distress Centres Alberta Family Violence – Find Supports – 310-1818 Call if you (or someone you know) are going through family violence or abuse if you have questions or want to find out about programs, resources, and services.  Mental Health Helpline – 1-877-303-2642 Offers help for mental health concerns for Albertans.  Income Supports – 1-866-644-5135 Financial help for Albertans who don’t have resources to meet their basic needs (e.g., food, clothing, shelter).  Addiction Helpline – 1-866-332-2322  Help for problems with gambling, alcohol, tobacco, and other drugs.  British Columbia Here to Help – provides mental-health and substance-use information you can trust.  Kelty Mental Health Centre – has information on talking to children and youth.  BC Crisis Centre – is a non-profit, volunteer organization committed to helping people help themselves and others deal with crisis.  Canadian Mental Health Association – is a national charity that helps maintain and improve mental health for all Canadians.  Ontario ConnexOntario – Adults and frontline workers who are dealing with the realities of COVID-19 can call ConnexOntario at 1-866-531-2600 for mental health, addictions and problem gambling support.  BounceBack – A free, evidence-based cognitive behavioural therapy (CBT) program that provides guided mental health self-help supports for adults and youth 15+ using workbooks, online videos and phone coaching. Call 1-866-345-0224.  Good2Talk – A phone and texting service that provides confidential support to post-secondary students. Call 1-866-925-5454.  #### Day 2 in Beautiful El Salvador! The second day in El Salvador was absolutely amazing. We started with breakfast at the hotel and then jumped into vans to meet the families whose houses we were building. After a quick introduction and a prayer, we split off into our groups to play some team building games with the families to get to know them.  Later that day, we took a short hike on Volcan de San Vincente, where we got to see volcanic vents. There the team settled at a view where we sung some hymns and heard some beautiful heartfelt stories from the Shelter Canada employees about what pushed them to start working with this organization. It was a great end to a great day and we are incredibly excited for tomorrow to start doing what we can here to do - build houses! Jacob & Nancy  #### El Salvador Project Sparks Amazing Outpour Of Support & Donations Dear Investor: We received an amazing outpour of support and donations from many of you for our El Salvador project, scheduled for November, 2019. We want to extend our deepest thanks to everyone who has contributed so far; we are grateful and humbled by the generosity. Your contributions to date of $45,475 will build 13 homes-- we are well on our way to our goal of 60! Thank you for being involved with this meaningful project and for sharing it with others. Many of you have expressed interest in joining our team and coming to El Salvador with us. We are excited to have you and we still have room for others to join too!  If you or someone you know are interested, please email Sue McKitrick at suem@awcapital.ca for more information. Alta West Capital has committed to sending two teams to  El Salvador with Shelter Canada.  Shelter Canada has been building homes in El Salvador for over 16 years. Our first trip will be from November 23 - December 1, 2019, and the second will be in late April 2020 (exact dates TBD). At a cost of $3,500.00 per home, our goal is to raise a total of $210,000.00 to build 30 homes on each trip. All donations are tax deductible, and will go directly towards building the homes--not to administration or travel.   If you would like to donate, please go to Shelter Canada donation page and choose “Shelter - Alta West Capital” from the drop down menu. This is an exciting venture, and so many people have been encouraging us that it has only spurred us on even more! We will have a section on our website, where you can view updates on how much has been raised, who has donated and the team that is going. We will also have information on the website about how to get involved. Thank you for coming alongside us! Alta West Capital El Salvador team #### Episode 1 - Growing Your Brand With A Fresh Perspective Introducing our new podcast, The Modern Alternative, presented by Alta West Capital. We’re bringing you fresh perspectives on ways to navigate the mortgage & investment industry in 2022. Hear from President & CEO at Pineapple, Shubha Dasgupta, as he shares his unique vision and expertise which allowed him to build and grow the new Pineapple model. #### Episode 10: Sadiq Boodoo: The balance between running a brokerage and educating brokers URL: https://awcapital.ca/episode-10-sadiq-boodoo-the-balance-between-running-a-brokerage-and-educating-brokers/ #### Episode 2 - Building A Lasting Legacy Hear from Deb White, Owner of White House Mortgages DLC. We discuss the details behind establishing her own brokerage, growing her business across British Columbia and encompassing the role as President for the CMBABC-BC. #### Episode 3 - Enhance Your Portfolio with Unique Investment Opportunities In this podcast, our hosts Justin Theriault and Armando Diseri uncover alternative fixed income opportunities, along with unique advantages of investing with Alta West Capital. Hear from George Botros, CEO of Alta West Capital, and Charles McKitrick, Chairman of the Board. #### Episode 4 - Insurance Solutions and Risk Management Our next guest is a leading insurance professional and licensed broker with nearly 17 years of industry experience. He has an honors degree in commerce and has presented to thousands of professionals in various industries on risk management. In this episode, we feature CEO & President Derrick Leue of PROLINK. #### Episode 5 - Part 1: Why Appraisals Matter in Alternative Lending In this episode we dive into the world of appraisals, discuss success secrets, and uncover the current  market impact with our guest Claudio Polito, Principal Owner, Managing Partner of Cross-Town Appraisal Ltd, and President-elect of the Appraisal Institute of Canada. #### Episode 6 - Part 2: Why Appraisals Matter in Alternative Lending Today we are joined by Claudio Polito, Principal Owner, Managing Partner of Cross-Town Appraisal Ltd, and President-elect of the Appraisal Institute of Canada. Claudio highlights historical data and shares his thoughts on what is coming in 2023/24. Immerse yourself in a great conversation and insight from industry professionals who have seen numerous highs and lows in the mortgage industry. #### Episode 7 - Building Hope and creating positive, sustainable change in El Salvador Today we bring you a conversation with one of AWC’s long-time partners. We share a vision for helping people into homes. Following the pandemic, Shelter's work has been needed more than ever. The year 2022 has seen the non-profit organization gain momentum as the team continues its vital mission to get the most vulnerable El Salvadorians into homes. Shelter Canada's CEO, Stuart McAllister,  unveils his unique journey with the organization and his grand vision for the future of El Salvador. #### Episode 8 - The Rules of Credit and How to Fix Your Credit Report We are taking an in-depth look at credit and uncovering the inside secrets to get you back to the best rates and terms. Our guest is a former broker of 7 years and is now an acclaimed credit expert and author of The Credit Game, helping thousands of Canadians understand and fix their credit. Today we welcome, Richard Moxley! #### Episode 9 - Closing Deals Virtually – How to Close Quickly & Efficiently Close The Deal with Deeded – How to Close Quickly & Efficiently Exploring the seismic shift in home-buying technology, Deeded is revolutionizing how mortgages are being purchased - streamlining a process that used to be taxing and expensive. Deeded has transformed an often stressful process into a streamlined experience without sacrificing quality or financial security - all thanks to its powerful virtual platform and visionary CEO Reuven Gorsht. Discover how it works and what wonders it can bring about for today's mortgage industry! #### First Time Mortgage Buyer: What You Should Know It can be an exciting but overwhelming experience if you are applying for your first mortgage. There is a lot of information available, and it can be quite strenuous to understand it all. That is why we have created this quick guide on all the essential things that you should know when it comes to acquiring your first mortgage. Acquiring A First-Time Buyer Mortgage To purchase your first house you may choose to get pre-approved from a financial institution, such as a bank or a mortgage investment corporation (also known as MIC). These professionals will assess what you can afford based on your finances. The bank or the mortgage investment corporation may apply two different debt ratio formulas, GDS (Gross Debt Service Ratio) and TDS (Total Debt Service Ratio), to see if you are eligible for a mortgage based on your income, living expenses and debt. GDS looks at the percentage of your income that needs to cover the ongoing costs of the home, such as home insurance, real estate taxes, and mortgage repayments. TDS assesses if your income can cover all your debt, such as credit cards, student loans, personal loans, and others. If you exceed 35% on your GDS or 40% on your TDS, you might not be eligible for the amount of mortgage you want. If you are pre-approved, it means you have a base to start house-hunting. If you can secure the home and the mortgage, you will receive ‘final approval’ meaning you have obtained the mortgage and the agreed interest rates. Type Of First-Time Buyer Mortgages & Interest Rate Options There are different types of mortgages available as a first-time buyer. These include: Closed, which means you are locked into a set mortgage interest rate. The catch is that these types of mortgages offer the lowest interest rates. Open, which means that your interest rate can be changed, and you will have to adjust your payments to meet the changes. Convertible, which is the most flexible option which lets you change the type of mortgage you have over a specific time without incurring a penalty. Alongside your first-time buyer mortgage, you will have to consider the interest rate you will have to pay. There are two distinct types of interest rate settings: Fixed Rate means your interest rate stays consistent throughout your entire mortgage term. You will know how much you will have to pay week-in-week-out. Variable Rate means your payment amount fluctuates in response to the prime rate. You will have to be more flexible on your payments and be ready to know that changes can happen. The more information you have on obtaining your first home mortgage, the better you can prepare for it when visiting a bank or mortgage investment corporation. CTA: Whether you’re looking to borrow or invest, Alta West Capital can help. We offer several lending solutions for first time buyers, individuals and families that are new to Canada, self-employed business owners, real estate investors and more. Alta West loans are fast and flexible to fit your needs. Visit our website to apply online or contact us directly — call (403) 254-9075 or email info@awcapital.ca. #### Four Families Have Received Homes! Today was another blue sky day, at least 30 degrees Celsius and VERY humid.  Our very extroverted team has danced, sang, laughed, cried and even built homes with these wonderful and proud people.  We have built four homes in two days, and have three more to go in the next two days.  I watch in wonder as AWC staff and investors joyfully bond with the Salvadorians. The two homes today were built for two very deserving but different families.  The first was for Luz, a 60 year old widowed lady that had 7 children—2 Of which still lived at home—and two grandchildren with her as well.  She made tortillas in a larger center twenty minutes away.  She was a very strong, proud lady.  Our team felt a strong connection with her as she reminded us of our own mothers and grandmothers. The second was for a young man, his wife and daughter.  Wilmer was a dynamo on the worksite, flying around with an incredible pride of ownership.  He lived in a mud brick home that had been destroyed in an earthquake some time ago, and was currently living in a similar one close to this site.  Earthen floors, mud walls and a decrepit sheet metal ceiling...how could anyone live there? It’s hard to imagine that this ‘lamina’ that they call these homes (the laminated steel structure) could be so empowering, until you see where they came from.  The Shelter Canada home offers security, health, comfort, protection from the elements, pride of home ownership, as well as many other variables I’m sure I’ve missed.  The whole community is so excited to be a part of this that they literally take your tool out of your hand so that they can help build their brother’s house! Thank you for your support.  This has been a gift to be able to come here and we are humbled to be the benefactors to others in such a small but impactful way.  You, in turn, have allowed us this privilege, and we are forever in your debt. Sincerely, Charles McKitrick CEO, Alta West Capital #### Help us build 30 homes in El Salvador with Shelter Canada In April 2018, our Fearless Leader and CEO, Chuck McKitrick, experienced one of the most important events in his life when he traveled to El Salvador with Shelter Canada to help build houses for those in need. El Salvador is an extremely poor country, ravaged decades ago by civil war and many natural disasters. It ranked as the 35th poorest country in the world based on Focus Economics’ listing, with a GDP per-capita in 2017 of only $3,895. Canada, in comparison, had a GDP per capita of $45,081 in the same year. Shelter Canada’s mission is to help create positive, sustainable change in the lives of the people of El Salvador by working with some of the poorest communities to build safe housing. With the aid of teams of volunteers working in tandem with local leaders, over 500 homes are built every year. These homes provide safety: a shelter that can better endure Mother Nature and provide the security of a locked door and window; security that most of us in Canada take for granted. Chuck has inspired a group of Alta West employees and investors to come with him to El Salvador on November 23 - December 1, 2019, with a second trip planned for the Spring of 2020. Our goal is to build a minimum of 30 houses at an approximate cost of $3,500 each. We realize this email does not have the passion of a conversation with Chuck as he explains his experience, but here are two links available that you may find both interesting and inspiring; click on each of the headers to redirect you to the videos:  Shelter Canada – El Salvador and Shelter Canada – Pimpa’s Story If you are interested in coming along, or would like to donate, click here. #### Home Renos - Tis the Season Hello Summer. Hello Home Renovations... Most of us will be sticking close to home this upcoming long weekend which opens the opportunity to tackle a few indoor and outdoor home projects. We have spent a LOT of quality time in our humble abodes this past year and there’s no better time to focus on DIY projects moving into the summer months. Whether you're looking to refresh a small space, indulge in a mini home makeover or invest in the value of your home – now is the time. Improving Your Home Value Increasing your home value starts here! Ideas for improving the layout, functionality & future value of your home... A fresh coat of paint in your primary rooms can open up a space making it feel larger, contemporary and clean New crown molding will add character & a sense of sophistication to each room Visually increase square footage by adding new built-ins (new desk) under the stairs or in an unused nook/corner of your home Add new shelving to each closet in the home to allow for improved organization Look at getting an inspection completed to identify any potential areas of improvement Give your master bathroom a mini makeover - small upgrades equate to great return on your investment Look at trendy and affordable alternatives for flooring including vinyl or laminate, but spend a little more on ceramic or porcelain countertops and backsplashes. Sleek, modern fixtures can make all the difference! Finish the basement in your home to provide you with more livable square footage, making it more attractive when it comes time for resale. Look at adding a bar or entertainment area that can have dual uses. Redefining Your Space With a Home Renovation Extend Your Outdoor Living Area More homeowners are making the most of their exterior space (patios/backyard). Building a backyard oasis does not have to be a big feat. Keep the gardening trends alive into 2021! 2020 was the year of the green thumb for many people retreating to their own backyards for solace and comfort. Create a living plant wall with movable planters is a brilliant start for adding character and charisma to your outdoor space. Invest in new patio furniture and swing by your local greenhouse to pick up a fun assortment of goods. Refresh & Revitalize Install a new front door (bold colors are all the rage right now!) Give your home a rinse – plan to power wash the exterior of the home to leave it glistening in the sunshine and looking clean. Give the driveway, sidewalks and walkways some love while you’re at it. Add some character to your home! You’ve been spending significant amounts of time in your humble abode. Leave your mark and truly make it your own by adding some personal flare. Start with bringing in some new artwork (go big in a small space – check out your local galleries or scope something vintage from a second hand or thrift store for enhanced character & personality). There’s a story to every masterpiece! Add new wallpaper pattern in your powder room or home office Make the most of unused space! Add a bookshelf or wine storage under the stairs or under any unused nook around your home Prepare for Success Understand the full scope of project & key timelines Do your research!!! Source multiple quotes to ensure competitive pricing of materials Be realistic in your capabilities, do not be afraid to reach out for specialized expertise. While YouTube can be a helpful guide, there is no harm reaching out to a professional for small or big parts of your home renovation Determine which jobs need to be outsourced once you’ve completed your research Know your budget, include a contingency for unexpected discoveries (10-15% of total projected costs) Financing your home renovation – Our team of mortgage experts can help you get closer to your dream home oasis with our Flex 2nd Mortgage offering. We can lend up to $200,000 with ultimate flexibility offering open-term financing Need funding for your home renovation? Connect with your trusted Mortgage Professional to ask about our Home Renovation: Flex 2nd Mortgage. LET’S MAKE IT HAPPEN. Alta West Capital – Turning Possibility into Reality. #### How Bankruptcy Will Affect Your Mortgage Renewal When you file for personal bankruptcy, your credit rating takes a significant blow. However, that does not mean there is no chance to repair it. If you have a mortgage payment at the time you file for bankruptcy, you may wonder what will happen when it comes time for your mortgage renewal. Mortgage Renewal After Bankruptcy Because your mortgage is a secured investment, Bankruptcy will generally not affect your monthly payments. In fact, bankruptcy may relieve you of some additional commitments, providing you with the opportunity to make consistent mortgage payments and the ability to begin rebuilding your credit. When it comes to mortgage renewal, banks and private mortgage lenders often do not pull your credit score again, and they even offer options for automatic renewal. If you have been able to keep on top of your payments, mortgage renewal following bankruptcy should not be a problem. Mortgage Refinancing After Bankruptcy Unfortunately, bankruptcy will likely affect your ability to refinance your mortgage. If you were planning to shop around for a different mortgage provider and better interest rates, that option is almost obsolete following a bankruptcy discharge. The requirements for refinancing your mortgage involve qualifying under the government issued stress test rules. With the black mark of bankruptcy on your credit rating, your chances of qualifying are nearly impossible. Refinancing With a Private Mortgage Lender However, if refinancing through the banks is out of the question, there may be another option. Private mortgage lenders do not operate with the same restrictions, meaning you may be able to refinance your mortgage with them, even after filing for bankruptcy. Private mortgage lenders often specialize in providing financing options to individuals with poor credit ratings such as first-time home buyers and individuals that are new to Canada. If you have taken the opportunity to make consistent payments leading up to your mortgage refinancing, your chances of approval with a private mortgage investment corporation will increase. If you file for personal bankruptcy, you can still renew through your current mortgage provider or choose to refinance through a private mortgage lender. The important thing is to focus on rebuilding your credit through consistent mortgage payments and keeping up with all other monthly bills. Whether you’re looking to borrow or invest, Alta West Capital can help. We offer a number of lending solutions for first time buyers, individuals and families that are new to Canada, self-employed business owners, real estate investors and more. Alta West loans are fast and flexible to fit your needs. Visit our website to apply online or contact us directly. Call (403) 254-9075 or email info@awcapital.ca. #### How Important is Mortgage Pre-Approval and How to Get Approved By a Mortgage Investment Corporation In today’s housing climate, mortgage pre-approval is a key element of the house-buying process. More and more individuals and families are choosing to be pre-approved as a way to help plan for and evaluate the burden of owning a house and having a monthly mortgage payment. But what is pre-approval exactly? What is Mortgage Pre-Approval? In order to understand the importance of mortgage pre-approval, it’s first essential to have an understanding of what it is. You can apply for mortgage pre-approval with any mortgage broker or lender, including a bank, private mortgage lender, or mortgage investment corporation. Pre-approval will let you know the maximum amount you can afford for a home and will thus give you an idea of viable options on the market. Getting pre-approved for a mortgage will also unfold what your monthly mortgage payment will be based on your maximum purchase price. This information is crucial; many first-time home buyers focus strictly on the amount of the down payment but forget about working the mortgage payment, utility bills, and property taxes into their monthly budget. Pre-approval is one way for people to understand and evaluate the costs, risks, and benefits of owning a home prior to taking the plunge. Why Is Pre-Approval Important? If you’re the type of person who is more likely to throw caution to the wind, or preparedness just isn’t your strong suit, you should know there are several additional benefits to applying for mortgage pre-approval. 1. Saves Time Receiving pre-approval from a mortgage lender can save you time spent looking at houses outside of your price range or trying to work out a budget based on hypothetical numbers. While pre-approval does not guarantee you will receive formal approval for your mortgage, it’s still useful information to have. 2. Locks-In Rates Something that many individuals do not realize is that applying for mortgage-pre-approval protects you from increases in rates that may occur while you search for a new home. While you are not obligated to proceed with a particular lender, the mortgage lender you do choose is obligated to honour the rate given under your pre-approval for at least 120 days. 3. Shows Commitment Mortgage pre-approval with a mortgage investment corporation or a bank indicates to home sellers and real estate agents that you are serious about buying. Realtors may be inclined to provide more attentive service and sellers may be more willing to negotiate, knowing how serious you are about proceeding. 4. It’s Free! There can be a lot of hidden or extra costs surrounding buying a house, but applying for mortgage pre-approval is not of them. There are virtually no risks, meaning you have no reason not to get pre-approved! How to Get Pre-Approved While the company that you choose to get pre-approval from does not necessarily need to be the same company that you eventually choose for your mortgage, it’s a good idea to begin the process by looking for mortgage lenders you can trust. Keep in mind that banks may be able to offer better rates, but are also more difficult to receive approval from; when you apply for a mortgage with a bank, you are obligated to undergo a federal stress test. A private mortgage lender or a mortgage investment corporation does not have to follow all of the same requirements. You can check out this blog for more information on choosing the mortgage lender that’s right for you. As you sit down with a mortgage broker or lender, they will likely ask you a series of questions surrounding 3 main factors: Credit Score Down Payment Debt-Service Ratio With a decent credit score, a healthy downpayment, and a balanced debt-service ratio, you should be able to qualify for the mortgage of your choice. If any of these factors are not where they should be, a mortgage investment corporation may still pre-approve your mortgage. Tips From a Mortgage Investment Corporation A mortgage investment corporation specializes in helping individuals with poor credit, low savings, or experiencing other dis-advantages, (such as self-employed business owners, families that are new to Canada, or first-time homebuyers) access the loan they need to move forward with the purchase of the house. While MICs may be more forgiving or less strict about some aspects of applying for a mortgage, there are still some things that you can do to help the process run more smoothly. Don’t Spend the Maximum Just because you received approval for a $400,000 mortgage does not mean you should spend that much. If you are approved for $400,000, you may want to consider looking at homes with listing prices closer to $350,000. Pay Off Debt Before applying for a mortgage, or even pre-approval of a mortgage, it might be a good idea to pay off some of your debt. If you are carrying a large balance on your credit card or you have an outstanding student loan, focusing a portion of your income towards minimizing the amount of total debt you have could help in the mortgage lending process. Get a Second Opinion Second opinions can not only help you find the best deals but also give you confidence that you’re on the right track. Keep in mind that a pre-approval does not mean you’re stuck with one lender — feel free to shop around! Mortgage pre-approval is essential to the house-buying process, and it’s not scary or intimidating. Simply find a mortgage lender you can trust and start the process today! When you’re looking to borrow, Alta West Capital can help. We offer a number of lending solutions for first time buyers, individuals and families that are new to Canada, self-employed business owners, real estate investors and more. Alta West loans are fast and flexible to fit your needs. Visit our website to apply online or contact us directly — call (403) 254-9075 or email info@awcapital.ca. #### How to Apply for a Mortgage Renewal If you still owe a balance at the end of your mortgage term, you will either need to pay off the remainder or apply for a mortgage renewal. When you renew your mortgage, you have the option of choosing to switch to a different mortgage lender. Here are some tips to make sure the process goes as smoothly as possible. When to Start the Mortgage Renewal Process You can begin shopping around for a different mortgage lender or begin the renewal process with your current lender approximately four months before the end of the term; this is an excellent opportunity to find what lenders are offering what, and how to better negotiate the terms of your renewal. Reviewing Your Mortgage Renewal Needs During this time, you should evaluate how your situation has changed regarding your financial goals and mortgage needs. Are you looking to move within the next five years? Is your family growing? Does your budget allow for higher monthly payments? Will you need to borrow more money from your mortgage lender? Are you satisfied with the services offered thus far? Once you ask yourself these questions, you’ll have a better idea of what to do when it comes time for your mortgage renewal. Renewing with Your Current Mortgage Lender If you decide to remain with your current lender, the process is rather simple. They will send you a mortgage renewal offer in the mail which you can choose to sign, or you can sit down with them to negotiate better rates and express any concerns you might have. Switch to Another Mortgage Lender Switching lenders is not quite as simple, but it’s the best way to access to better mortgage rates, especially if you are unsatisfied with the service offered by your current lender. Keep in mind that switching to a private mortgage lender usually means you will not have to pass the stress test again, whereas switching to a different bank does, and it could end up being more costly than it’s worth. Whether you’re looking to borrow or invest, Alta West Capital can help. We offer a number of lending solutions for first time buyers, individuals and families that are new to Canada, self-employed business owners, real estate investors and more. Alta West loans are fast and flexible to fit your needs. Visit our website to apply online or contact us directly. Call (403) 254-9075 or email info@awcapital.ca. #### How to Get Approved for a First-Time Buyer Mortgage If you are planning to apply for a first-time buyer mortgage, you may not know where to start. Being unsure whether or not you’ll receive approval for your loan can feel like stepping into the great unknown. We encourage you to follow these tips to ensure your loan will get approved. Ensure Mortgage Approval By Improving Your Credit Score If you know that your credit score is low, take immediate action to try and improve your rating. Setting up direct withdrawal payments for your credit cards and phone bills to ensure they are paid on time could play a significant role in whether or not a mortgage lender approves your loan. Apply For Mortgage Pre-Approval Mortgage pre-approval can become a useful tool in your back pocket when it comes time to start shopping for houses. Mortgage pre-approval takes the guesswork out of the process. If you don’t receive pre-approval, you can take the necessary steps to save up money and improve your credit score before falling in love with a house. Do You Qualify For Any First-Time Buyer Mortgage Programs? When you’re applying for a first-time buyer mortgage, you may qualify for some financial aid from local or provincially funded programs. If you can save extra money to make a more substantial down payment, you may have a better chance of having your mortgage approved. Turn to a Private Mortgage Lender Private mortgage lenders are more than happy to help as you plan and apply for your first-time buyer mortgage. Mortgage investment specialists can help you determine what you can afford for monthly payments, and how you can budget for a mortgage that meets your needs. As you begin the process of applying for a mortgage and buying your first home, follow this advice to ensure loan approval and a comfortable process from start to finish. Whether you’re looking to borrow or invest, Alta West Capital can help. We offer a number of lending solutions for first time buyers, individuals and families that are new to Canada, self-employed business owners, real estate investors and more. Alta West loans are fast and flexible to fit your needs. Visit our website to apply online or contact us directly. Call (403) 254-9075 or email info@awcapital.ca. #### Is It Smart to Get a Home Renovation Loan? Before spending money on a home renovation, you may want to consider the return on investment. Home improvements are not always a good idea, but there are times when renovating makes the most sense and applying for a home improvement loan may be necessary.  When Should I Get a Home Renovation Loan? If you are planning to renovate your home to continue living in, you may want to save up or perform the renovations little by little, over time. Improvements that are merely for comfort or style purposes do not result in a financial return on investment. However, if you plan to sell your house in the near future, or you need to expand your living space to accommodate your growing family, a home renovation loan could be your best option. Keep in mind that not just any home improvement will help to increase the value of your home when it comes time to sell; these four home renovations have a high return on investment.  1. The Kitchen For many people, the kitchen is the centre of the house and one of the first things they look at when buying a new home. When you renovate your kitchen, your chances of selling for a higher price significantly increase.  2. The Bathroom It may sound crazy, but outdated bathrooms can discourage buyers from making an offer. If you use a home renovation loan to spruce up a bathroom, you’ll likely see a significant ROI.  3. The Floors Home renovation and construction loans are most effective when used to make a big impact. Flooring is one of the first things people notice when viewing a home. If your house still has shag carpet from the 70s, it’s time to make a change. You may be surprised at the difference a brand new hardwood floor can make to the overall value and appearance of your house.  4. The Appliances While you may choose to do a complete kitchen renovation, using the money from a home renovation loan to only upgrade your appliances is also a smart decision. Why stop in the kitchen? Consider replacing your furnace or installing a new HVAC system as well.  Talk to the experts at a mortgage investment corporation about applying for a home renovation loan; they can provide you with advice and knowledge to help you make the right decision for your family.  Whether you’re looking to borrow or invest, Alta West Capital can help. We offer several lending solutions for first time buyers, individuals and families that are new to Canada, self-employed business owners, real estate investors and more. Alta West loans are fast and flexible to fit your needs. Visit our website to apply online or contact us directly — call (403) 254-9075 or email info@awcapital.ca. #### It Takes a Community Today is the final day of building! After working on separate teams for the week, all of the members from the Alta West team had the opportunity to all work together alongside with our El Salvadorian brothers and sisters. It perfectly summed up what this entire week has been about so far - building up a community, together. It was fitting that one of the last homes we built was for Marco and his beautiful family. He had worked hard alongside us for the past few weeks, willing to do whatever job was needed of him. This house comes to him as a tremendous blessing as he told us that in a previous earthquake, a piece of his roof fell on his baby boy, and that he lived in constant worry that the current structure they were living in would not withstand another earthquake. I personally spent a lot of the time with the local kids at these work sites. Although we didn't speak the same language; playing games, singing and dancing is universal to every kid (and kid at heart). In those moments, I couldn’t help but to imagine a better future for them - that seeing neighbors helping neighbors will plant that seed in their hearts to do the same for their communities when they get older. Beyond the team of people that actually drilled in the screws, hoisted up the walls, and dug the holes, behind every home there was a community of Canadians and El Salvadorians rallying together. While we are done building these 20 homes we set out to do, the work has just been started to build up these communities. Monica Chung  #### Mortgage Awards of Excellence 2020: Private Lender of the Year Alta West Capital's Nomination We are proud to announce that Alta West Capital has been selected as a finalist for the Private Lender of the Year award.  For over 29 years, Alta West Capital has been striving towards being a leader in the Alternative Lending space. This is a great recognition of our commitment to providing a comprehensive suite of products and services for our industry partners. We are truly thankful for your continued support. Congratulations to all the 2020 nominees! Putting Canadians into Homes Alta West Capital (AWC) is a dynamic Alternative Lender lending in Alberta, British Columbia, and Ontario. We have a 29-year history in serving Canadians by providing mortgage financing for those that fall outside of conventional banking guidelines, providing investments for financial independence, and performing philanthropic work in Canada and abroad. We take pride in providing alternative financing that puts Canadians in their homes. We do this by providing our broker partners the products, resources, transparency, and underwriting consistency that they require to do what they do best. Whether you’re a mortgage professional, an investor or a client looking to borrow, the Alta West team has the experience and knowledge to provide a solution that fits your needs.    Helping the Everyday Entrepreneur At Alta West Capital, half of our team of thirty are either first or second-generation Canadians. With staff born in countries as varied as Egypt, Cambodia, China and Argentina, amongst others, there are eleven languages spoken in our office. Naturally, we love lending to new Canadians, helping people like ourselves thrive and excel as they become part of the Canadian landscape. Hand in hand with new Canadians, are those who make a living for themselves. The self-employed are an underserved segment of the Canadian housing market and another population we love helping in their dream of home-ownership. We really do appreciate helping the everyday entrepreneur. New Canadians and the self-employed, these are two of our largest market segments and in our experience, very rewarding people to work with. Our investor base are predominantly Mom and Pop family investors, saving for their retirement dreams. Investors are often an overlooked demographic of Private Lending and one that we are proud to serve. Mortgage Investment Corporations (MIC’s) were created back in 1973 as a vehicle to allow everyday Canadians to participate in mortgage investments, and to profit, just like the big banks. We’re proud to do our little part to provide this important option to Canadian investors.    Our People-first Approach Taking feedback from our broker partners, we continue to update and expand our suite of products as well as improve our service to provide the best overall solution we can. Our experienced team operates on the philosophy of “making it happen, not letting it happen”. Find as many ways as you can to remove the obstacles to success for the client, the broker and the investor.  The broker community has long known us for our fast and efficient underwriting and our “do what we say we’ll do” service. We are continually seeking to innovate and grow by adopting technology to further improve our processes, evolving to equip our team with the tools they need to improve efficiency in our application submission, underwriting and funding process. But it can’t just be technology for technology sake.  The key to successfully integrating software, software that actually makes a difference, is to have a “people-first” approach.  When evaluating a new piece of software, we ask some simple questions. How will this help us provide better service to our brokers and their clients? What efficiencies will this bring? How will this make life easier for our staff, our brokers, our clients and our investors? The benefits of this approach were recently highlighted with the outbreak of Covid-19.    Thrive, Not Survive When Covid-19 broke, our mantra was “thrive, not survive”. We didn’t want our staff living with a “survival mentality”, we wanted them to thrive and to come out the other side of the pandemic along with the company, it’s brokers and clients, in a better place than before.  Our strategy and success caught the eye of our technology provider, Salesforce, who were impressed enough to outline our success in this blog, now available on the Salesforce website. We are very proud of being recognized for this achievement. Alta West Capital has made a considerable investment in technology, but not all new technology is to simply to create efficiencies, it must also protect customer information. In the mortgage industry we handle a lot of sensitive data and it’s our responsibility to ensure that the technology we implement is as safe as it is efficient. Every software implementation is made with security in mind to ensure that our client’s data is handled properly and is well protected.  We take a people-first approach with cybersecurity and managing data, if it's important to them, it's important to us. The Path to Homeownership Our company, full of immigrants, has found pride in providing new Canadians with homes. We have extended our vision to help even more people in to homes outside of Canada. We realize the importance of giving back, not only to our community but to those less fortunate in some of the poorest parts of the world. For the past couple of years, Alta West has partnered up with Shelter Canada and recruited a team of volunteers to travel to El Salvador to change the lives of people far less fortunate than us. We wanted to extend our ability to provide safe housing beyond our borders, in some of the poorest communities, in Central America. In addition to raising tens of thousands of dollars in donations, we have sent teams of staff to El Salvador, who with the aid of other volunteers, working in tandem with local leaders, have helped build over 500 homes for some of the world’s poorest people. However, this year with Covid-19, and with the inability to travel south to build homes, we changed our focus and have given back to our local community by donating to the Calgary Food Bank. We hope to be back in El Salvador in 2021. We love what we do. For some Canadians, we are the path to homeownership, for others the path to financial independence. Alta West Capital has a great, dedicated team, who enjoy what they do. We are very thankful for the opportunity to be considered for this award and would like to thank those who nominated Alta West Capital as well as the Mortgage Award of Excellence committee for considering our nomination. #### Mortgage Lenders 101: What You Need to Know Mortgages can be confusing, but your mortgage lender can help you through the process. Here is everything you should know about your mortgage lender and some questions you may want to ask them. What is a Mortgage Lender? The first thing you should know is that there are different types of mortgage lenders. The most common option is the bank. However, if you are unable to get mortgage approval from the banks, there are other options to consider. Private mortgage lenders have a higher approval rate and are an excellent option for individuals with a poor credit history. A private mortgage lender could be your saving grace when it comes to getting the approval you need. Questions to Ask Your Mortgage Lender Which Type of Mortgage is Best? The first thing you should ask your private mortgage lenders is what kind of loan best fits your situation. If you are a first-time buyer, a fixed-rate loan might be your best option. Mortgage lenders can also make suggestions if you’re looking for a second home mortgage or if you’re new to Canada. What is the Interest Rate and APR? The annual percentage rate is an essential aspect of your mortgage. It is a calculation that includes the interest rate and all other fees divided by the length of the term. If you prefer to go with an adjustable interest rate, you may want to ask about adjustment frequency and interest rate caps. What Are All the Costs? A private mortgage lender can provide you with an estimate that contains all the associated costs of your loan including the cost of the appraisal, credit report, title policy, inspection reports, and taxes. When you’re considering applying for a mortgage, be sure to find a mortgage lender that can answer all these questions and can provide you with the best loan possible. Whether you’re looking to borrow or invest, Alta West Capital can help. We offer a number of lending solutions for first time buyers, individuals and families that are new to Canada, self-employed business owners, real estate investors and more. Alta West loans are fast and flexible to fit your needs. Visit our website to apply online or contact us directly. Call (403) 254-9075 or email info@awcapital.ca. #### Mortgage Solutions and Other Helpful Tips for First-time Buyers The experience of buying a home is exciting, terrifying, thrilling, stressful, daunting, special, exhilarating and all of the above! If you’re looking to buy your first-home, follow this guide to make the process as smooth as possible. Get Pre-Approved For A First-Time Buyer Mortgage It’s important to apply for a mortgage pre-approval early on in the process. Shopping for houses can be difficult when don’t know if your loan will be approved or not. If you are having difficulties getting approved by the bank, you might have better luck with a private mortgage lender. Determine What You Can Afford For Mortgage Payments Shopping for houses without a set budget in mind is like eating dinner at an all-you-can-eat buffet. Make sure your eyes aren’t bigger than your wallet; determine what you can afford in monthly payments and consider what you have saved for a down-payment and start from there. Find the Best First-Time Buyer Mortgage Finding the mortgage that’s right for you can be a process in and of itself. With a budget in mind, talk to a mortgage broker about your options. If the bank has denied your loan or you’re having trouble getting approved elsewhere, you may want to consider buying your mortgage through an alternative mortgage lender. You might find the process to be more flexible. What to Do Post First-Time Buyer Mortgage Approval With the finances taken care of, it’s time to start shopping! Consider the benefits of hiring a real estate agent to help you find your first home. Start house-hunting and remember to keep your emotions neutral. It’s never a good idea to make an emotional decision when buying a house. Part of the house hunting process is looking for features that you’ll want in your future home. While keeping an out for certain features can help narrow down the options, keep in mind that a home renovation loan can help make any house the house of your dreams. When it comes to purchasing a new house and considering a first-time buyer mortgage, trust certified mortgage brokers from a mortgage investment corporation for a simplified application process and keep these tips in mind as you continue through the process. Whether you’re looking to borrow or invest, Alta West Capital can help. We offer a number of lending solutions for first time buyers, individuals and families that are new to Canada, self-employed business owners, real estate investors and more. Alta West loans are fast and flexible to fit your needs. Visit our website to apply online or contact us directly. Call (403) 254-9075 or email info@awcapital.ca. #### New Home, New Beginnings With the help of the Shelter Canada translators, we virtually traveled to the community of Trinidad Galvez to officially welcome 6 families into their new homes. Although this Key Ceremony day feels different this time around as we could not be celebrating alongside our El Salvadorian friends, we are still tremendously grateful to be connected with these families and be part of affecting this change in their lives.  The Virtual Journey Being able to participate in this virtual journey reminds us that we don’t need to be physically present to connect with others, to lend a hand and to offer hope. Building a Safe Home Each piece of sheet metal, the nails that hold it together, and the concrete pad that holds it up, represents new beginnings for all the families.  The Key to a Home Being able to witness all of these virtually but still having the same emotions as if we were there physically, puts things into perspective. All we need is the heart and compassion to be able to make a difference.  To meet the families and follow Alta West Capital’s journey, click here. Shelter Canada is a non-profit organization with the goal of creating positive, sustainable change in the lives of people in all the poorest communities of El Salvador. For more information on Shelter Canada, please visit here.  #### No Goodbyes, but see you later!     It’s key ceremony day and we have all been preparing for this day to come as we hand off the keys to the families we built houses for. It was a day of celebration filled with fireworks, piñatas and thank you’s. It was overwhelming to see the bright smile on their faces, the gesture of appreciation and the togetherness of the community.   No one prepared us for how hard it was to say our goodbyes. The first family that our team built a house for took us aside to say his thank you. It was a man (Moises) who spoke little when we first met him but has been with us on every site lending a hand and taking the lead. He may have little but his heart is full.   We have come to this trip not knowing how impactful this week will be. Not only to the families of the community and the Shelter Canada staff, but to our own lives as well. It’s astonishing how a simple hammer and a generous heart can bring so many people together from different culture and background and break all barriers. I was asked a question to what motivated me to come to El Salvador and as I looked back, I just know it was something I had to do and that is to help build a shelter for families in need. But I’m finishing this week with more than just building 4 walls and a roof, I have built lasting memories with my team and the people of El Salvador and will be leaving with a better story to tell.   El Salvador, we leave a piece of our hearts with you. This is not a goodbye, but a promise that we will see each other again.   - Criselle Lim   #### Overcoming the Obstacles of Self-Employed Mortgages We applaud all entrepreneurs but recognize that there are some unique challenges that come with the territory. One such obstacle is applying for a mortgage. When you’re a self-employed business owner, it can be difficult to apply and receive approval for a substantial loan like a mortgage. Whether for your home or business, here’s how to streamline the process of securing a mortgage when you’re self-employed. Keep a Financial History Much of your eligibility for a mortgage application relied on you, as a business owner, being proactive. In order to avoid unnecessary difficulties, it’s essential to keep up-to-date with all of your financial records. A mortgage lender will likely want to see at least your past two years of tax returns. Keep in mind that banks place greater stipulations on self-employed business owners than alternative mortgage lenders. Pay Your Taxes If you’re self-employed, it’s probably a good idea to hire an accountant to help you keep up to date and on top of your tax returns. Be sure to file your taxes before the deadline in case you owe any additional taxes. Falling behind may affect your ability to qualify, but an alternative mortgage lender may be able to approve your application regardless. Incorporate Your Business If your business is a sole-proprietorship or an unincorporated business, incorporating may help your cause. By becoming an employee of your company with a steady salary, mortgage investment corporations may be more confident supplying you with a loan. Rely on an Alternative Mortgage Lender Alternative mortgage lenders and mortgage investment corporations specialize in securing loans for individuals that don’t qualify through the banks. If your business is in the beginning stages, or you need to relocate so that your company can really take off, mortgaging a house or a business property may be an essential part of your business growth and development. An alternative mortgage lender will take the time to understand your unique needs and challenges and provide you with a product that fits within your budget and satisfies your requirements. When it comes to mortgages for self-employed business owners, families that are new to Canada, or first-time home buyers, an alternative mortgage lender is the best choice. Whether you’re looking to borrow or invest, Alta West Capital can help. We offer several lending solutions for first time buyers, individuals and families that are new to Canada, self-employed business owners, real estate investors and more. Alta West loans are fast and flexible to fit your needs. Visit our website to apply online or contact us directly — call (403) 254-9075 or email info@awcapital.ca. #### Setting the MIC Standard: Alta West Capital TRACK RECORD For over 30 years, Alta West Capital (AWC) has been providing mortgage investment opportunities to investors. AWC is an established long-term alternative lender in residential mortgage portfolio management. HISTORICAL RATE OF RETURN AWC offers 2 MIC products: AWM Diversified MIC was created in 2004 and First Place MIC was created in 2007. Our MIC products have not had a negative yield from inception to current date*. *Past performance is no guarantee of future results. Actual performance will vary. PORTFOLIO COMPOSITION AND DIVERSIFICATION AWC underwrites residential mortgages in urban centres across Alberta, British Columbia, and Ontario, where typically housing and mortgage demand is high. The AWC portfolio mainly consists of owner-occupied residential properties that are comprised of first and second mortgages, with minimal exposure to commercial mortgages and no land developments as AWC understands that there can be a significant risk difference between residential, multi-family residential, commercial, and land development projects. AWC portfolio consists primarily of mortgages with a one-year term. MANAGEMENT FEES AWC pays for the MIC’s operations costs out of its management fee. AWC is paid a management fee of 2% per annum on the outstanding share capital of the MIC for portfolio management. There are no management fees paid on the leveraged portion of the portfolio. The Manager pays all its own costs, expenses and overhead relating to its services. INVESTMENT POLICIES AWC offers weekly purchases and, redemptions are offered monthly subject to the availability of funds. DIVIDEND DISTRIBUTION Dividends are distributed on a monthly basis. Dividends can be either paid out or reinvested in additional shares, depending on the investor’s needs. INVESTMENT LIMITS To help safeguard against credit risk, AWC maintains a maximum loan-to-value of 75% (First Place MIC) and 90% (AWC Diversified MIC). The goal is to maintain a weighted portfolio with a loan to value-of 75% or less. An independent valuation is obtained on each mortgaged property. TRANSPARENCY Monthly and annual statements, along with audited financial statements are readily accessible on AWC’s investor portal. Learn more about our First Place MIC and AWC Diversified MIC START YOUR INVESTMENT JOURNEY For insights into AWC’s investment opportunities, our friendly Investor Relations team will be happy to answer any questions you have. Book A Chat With Us! #### The AI Advantage in Mortgage Lending 6th Edition- The Alta West Summit Table Of ContentsPart 1: The Professional’s Guide to Mastering AI Part 2: Professional Summary Part 3: The Summit Podcast Part 4: Economic and Market UpdateNo matter what industry you work in, an inescapable topic over the past two years has been the remarkable rise in Artificial Intelligence (AI). Whether it’s agents, chats, apps, or programs, everyone has heard of AI at this point. For some, it represents exciting opportunities. For others, the prospect is more daunting. That is why we have developed a very special edition of the Alta West Capital Summit Newsletter. Part 1 -  The Professional’s Guide to Mastering AIAlta West Mortgage Capital Corporation’s (AWC) new Operations Director, Ryley Iverson, is an Artificial Intelligence specialist. In an interview with Lead Copywriter, James McKitrick, Ryley discusses how professionals in any industry (but particularly the lending industry) can most effectively capitalize on the rise of AI. Read on to gain key insights, sage advice, and a powerful edge in your business. Begin your journey to master AI right here! Ryley, how has AI already changed/began to change the lending industry? To understand the impact of AI, we need to review how things were before the recent wave of excitement and briefly look at the foundations of digital transformation. While I am new to AWC and the lending industry, I credit both our former and current teams for having built those foundations thoughtfully and deliberately. Over the past decade, many organizations equated digital transformation by simply digitizing paper files and putting them into the mystical entity known as “the cloud”. That approach, in hindsight, has proven insufficient. AWC, in comparison, chose a more rigorous path of building its own systems, automating workflows, and embedding institutional knowledge into its processes. This business-building strategy proved quite prescient, as it allowed AWC to more seamlessly integrate other relevant software, dissect its own data, and use AI to analyze workflows. The real transformation, for AWC as with any business, lies in its people. By fostering a culture that embraces change and continually asks how work can be done better, any business will naturally thrive with the adoption of new technology. It’s not an immediate process, but by carefully developing increasingly well-structured, automated systems, we reduce manual effort while preserving time with people, ultimately retaining the final judgment on all tasks. Businesses that have not embraced this paradigm, and who bypassed long-term effort in the hopes that AI will be an “easy button” are now discovering that technology cannot replace foundations that were never built. The takeaway here is that you have to take the time to deliberately develop a strong foundation, and once you have that, AI can seamlessly slot into your business in the form of heightened automation capacity. What are the biggest boons and the riskiest risks? I’ll begin with the risks, as they shape our daily thinking. Anyone who has worked with generative AI understands its limitations. It makes errors; it will have “hallucinations,” but the biggest risk is the temptation for humans to outsource their critical thinking. In an industry that demands precision and prudent judgment, these risks require constant vigilance. Data privacy and cybersecurity are equally paramount. The same tools that enhance productivity can also embolden bad actors, which is why we are highly selective about the technologies we adopt and the partners we work with; I like Copilot, for example. Many widely available AI tools simply do not meet the security and compliance standards required in our environment. So, I would advise caution to any business owner looking to adopt AI on a large scale. That said, the upside is compelling. With a strong digital foundation already in place, AI allows us to layer automation into our workflows in an incredible way. As our CEO, George Botros, often says, "We aim to let machines do the machine work, so people can focus on the people work." To get specific on the biggest opportunities, aside from optimizing the back office, I see that as coming in the form of helping people obtain mortgages faster. The writing is on the wall for the realm of underwriting. Because it is such an important part of our industry, its optimization will be a highly scrutinized and reviewed process, but AI is a natural assistant waiting to benefit underwriters everywhere. The paradigm of underwriting is extremely data-driven and extremely repetitive; these are perfect factors for AI to make optimal; it would just have to be done with a great deal of human oversight. Moreover, because underwriting is such a fundamental aspect of our business, we would never neglect the necessary human oversight required to maintain its standard of excellence. We will be looking at different tools that we can bring in to assist the underwriters in making decisions faster, which is a win for the borrower, the broker, and the investor. What advice would you give to those who work with AI daily and those who don't? Most professionals have already lived through several major technological revolutions, like the integration of personal computers, the internet, and mobile devices. Each development transformed work from manual to digital and paired human judgment with machine automation. This new wave of AI goes one step further, increasingly proffering “human-in-the-loop” systems where machines execute while humans supervise. In the early days of office computing, expertise was concentrated in a few individuals who knew how to use new tools. Today, those skills are universal. A similar shift is now underway with AI. As routine tasks become automated, professionals must focus on upskilling and reskilling, learning to extend their capabilities rather than replace them. Those who take the time to master the new tools will give themselves an incredible advantage in the years to come. One such example is that, even in the past few years, coders were necessary to develop any technical aspect of a business, from CRM’s to apps to websites. Now, no-code tools are accelerating this transition, allowing individuals to build and automate workflows themselves. Work will increasingly shift from execution to oversight, where humans are managing systems and agents rather than performing each step manually. In this environment, the most valuable skill is not technical mastery alone, but the ability to adapt and learn quickly. It sounds like a cliché, but open-mindedness will be the make-or-break for many professionals, determining if you ride the wave or get crushed in the break. Ryley, thank you. This has been so interesting. To wrap up, is there anything else interesting to you that springs to mind and you want to mention? When you look at the changes or results generated by AI on a monthly basis, it's not incremental. It is absolutely massive, and while it is very hard to try and keep up with the change, it is also very exciting. For example, we recently had a team member get a data analysis task done in a couple of hours in Excel that would have normally taken them a day or longer. That's a big win! On a regular basis, what you thought couldn’t be done before seems to change before our eyes. So, we just keep asking ourselves how we are going to work with this responsibly and make it our advantage. Part 2 - Professional SummaryRyley Iverson Operations Director If I can give a single word of advice to anyone working in any industry, it would be this: You must begin to envision your work as a series of processes. Think about the workflow in these processes and start trying to identify which parts of those workflows you can automate with AI. This will allow you to reduce the mundanity in your role and free up more brainpower to focus on the parts of your work that require originality, critical thought, and creativity. Doing this well would give any professional a serious edge. If you’re interested in diving deeper into AI, The Rundown AI is an excellent place to start exploring. If you want to learn more about our investment funds, please contact our Investor Relations team Contact Us If you are interested in learning more about our mortgage products, book a meeting with our Sales team. Book A MeetingIf you have any suggestions for what you would like us to include in future newsletters, please let us know below. Suggest HerePart 3 - Podcast HighlightCheck out our monthly Summit Podcast featuring Chief Sales Officer, Armando Diseri, as he discusses with BDMs and Brokers the evolving housing market, and offers advice to brokers trying to gain an edge in a competitive industry! Part 4 - Economic, Industry and Market insights for Brokers and InvestorsGeorge Botros CEO Our CEO, and former professor of Economics and Finance, George Botros, shares his thoughts on the condition of the Canadian real estate market and the opportunity that lies therein. The global and domestic economies continue to navigate a mix of challenges and opportunities. Geopolitical tensions escalate while ongoing uncertainty around North American trade agreements contributes to broader market unease and supply chain pressures. Against this backdrop, inflation has moved closer to central bank targets but remains uneven, leading policymakers to take a cautious, data-dependent approach. In Canada, the Bank of Canada held its policy interest rate at 2.25% late last year, signaling that the current stance is considered appropriate given prevailing conditions, even as uncertainty persists around inflation’s trajectory and future labour market dynamics. Headline inflation sits near the Bank of Canada’s target of 2.2%, but core inflation at 2.9%, coupled with price pressures in certain sectors suggest that inflation may be sticky, rather than definitively tamed in the near term. Recent labour market data underscores the mixed signals emerging across the Canadian economy. While employment growth has shown intermittent resilience, the national unemployment rate has risen to 6.8%, reflecting continued slack beneath the surface. Job gains have been uneven, concentrated in select service and resource-related industries, while elevated part-time employment and subdued labour force participation point to a labour market that remains under strain despite headline improvements. Within the housing sector, home-buying activity remains cautious. Elevated levels of available inventory and affordability constraints have dampened sales in several major markets, even as essential housing demand endures. While residential real estate fundamentals remain relatively more stable than other asset classes, frictions in buyer sentiment and tighter credit conditions have tempered transactional volume and price acceleration. Taken together, this mix of sticky inflation dynamics, resilient but uneven labour market strength, and cautious housing demand has contributed to the Bank’s decision to hold rates, and it frames the economic conditions facing the lending market today. In this environment, selective lending and disciplined risk management remain critical, and AWC’s strategies have continued to deliver stable, risk-adjusted performance through these evolving conditions, finding opportunity wherever it may come. Brokers will profit this quarter from utilizing Mortgage products such as our Express First Mortgages, our Flex First Mortgages, and our Flexline HELOC. All our designed to be flexible and to accommodate borrowers in a range of situations. Alta West Capital is registered as an Exempt Market Dealer (“EMD”), Restricted Portfolio Manager (“RPM”) and Investment Fund Manager (“IFM”) in the province of Alberta. The firm is also registered in the provinces of British Columbia, Ontario, Manitoba, Saskatchewan and Yukon as an EMD. This information is directed only to residents of those provinces. For more information, contact Investor Relations at (403) 254-9075 ext. 4218 or by email . This communication is only directed to persons in these jurisdictions. Alta West Capital holds a mortgage broker license in British Columbia, a mortgage brokerage license in Alberta and Ontario, as well as a mortgage administration license in Ontario. FSRA Brokerage License 12633, FSRA Mortgage Admin License 12634. The opinions, analysis and information contained herein are current as of the date indicated, and Alta West Capital does not undertake to notify the reader of any subsequent change. Any information is not intended to constitute tax advice. Alta West Capital has not taken any steps to verify the accuracy and completeness of any third-party data referenced herein. Fund information contained herein or in any video is for general information purposes and is not intended to be a solicitation or recommendation nor is it intended to serve as a full or comprehensive description of the funds managed by Alta West Capital. Important information regarding the funds is set out in the offering document and Relationship Disclosure document, which should be reviewed prior to investing. Please contact us for a copy of these documents. Units of the MICs are not available for public distribution and may only be purchased by qualified investors. Past performance is no guarantee of future results. Actual performance will vary.   #### The Last Day What a crazy week! After participating this week in the home builds with all the amazing energy of a mid sixties male of the species I kind of bottomed out in a good way at our daily recap meeting. I felt like this was the big reveal, chairs in a big circle, this was it, personal recaps flowing and it was my turn.  I was mildly sleep deprived and slightly exhausted by 6 days of high humidity and 38 degree heat and as I spoke I was  instantaneously overwhelmed to be honest. I suddenly realized that building 20 new homes with a small team of warm and engaging underprivileged El Salvadoran families was much more than just building 20 homes. It became very apparent that I had found a new recipe for making good friends and good memories. I realized that the always great office associates had become great friends and the many other build team mates and villagers were now new friends too.  This week of  building  was a vacation to be sure but this was like no beach holiday or Vegas getaway. It would be impossible to leave El Salvador and not feel that you had hit a jackpot, that you had just kind of won really big at the craps table, you had suddenly been adopted by a mixed race family of happy hardworking El Salvadorans and Canadians. You were now part of the village. Your life had become much richer in a short week. To top it off you hit triple sevens on the slot machines and the win gave 80 plus citizens in the little El Salvadoran village 20 new homes. You were on a multinational team of Campeones (Champions)! The whole experience was better than a day at the beach which by no coincidence was how we spent our last day in El Salvador Who wouldn't like that kind of holiday?   Thanks to everyone for letting me be part of the team and hats off to the Alta West team, Shelter Canada, and everyone that worked in the blazing El Salvadoran sun.  Cal Morstad #### We are off! We arrived at the airport at the very unreasonable hour of 4am to make our 6am flight! Our group was so excited in anticipation of beginning our journey to El Salvador. The flights went off without a hitch and we arrived in El Salvador ahead of schedule, thank you United Airways. Upon arrival we were welcomed to the country by the customs officers! Incredible! The Shelter Canada drivers greeted us outside the airport and took us to our motel, about 1 hour away from the airport. Our team leader arranged to take us to the local Pizza Hut for dinner. After dinner, we walked to the town centre where a festival of Lighting Christmas lights was taking place. It was incredible to see so many El Salvadorians together celebrating this tradition. We felt like celebrities as we walked around town and people waving and saying hola! (hello in Spanish). The Shelter Canada staff will work with us this week and also be our interpreters so we can communicate with the families we are building houses for. We were told many times this first day how grateful Shelter is to have us here. Your donation and support are doing a tremendous work already here in El Salvador. - Sue McKitrick #### What does reduced income mean for my mortgage? During the COVID-19 pandemic, many Canadians from coast to coast have found themselves in a difficult position financially. The Canadian government temporarily implemented several stimulus programs to alleviate the financial burden caused by COVID-19. The most notable being the Canadian Emergency Response Benefit (CERB). However with CERB payments ceasing at the end of September, millions of Canadians will begin receiving Employment Insurance (EI) instead. EI is a government-run program that provides regular benefits to individuals who lose their jobs through no fault of their own. What does this all mean for your mortgage? Whether you need to renew your existing mortgage, refinance, or purchase a new home, many Canadians are asking “how will I be able to meet the income qualifications while on reduced income?” In addition to this, the stresses and strains of income reduction has led to many Canadians seeing a drop in their credit score. The Alternative SolutionIndividuals without adequate documentation of income and/or with poor credit history may be turned away from the bank. However, don’t lose hope. Did you know that alternative lenders may have fewer income restrictions compared to traditional mortgage lenders?  Alternative lenders are often equity-based lenders and as such consider the equity available in your property as part of the underwriting process. The more equity, the more forgiving they often are on qualifiers like income and even credit score. Many alternative lenders will consider income from self-employment or even stated income. With stated income, often a letter outlining your income, possibly with some minor documentation to back your claim, may be sufficient to qualify. The self-employed individual may be able to rely upon standard business documentation (bank statements, invoices, contracts, etc.) to meet the lenders income verification standards. In addition, alternative lenders or private lenders are generally more flexible with the credit history requirements. While you can expect good credit to smooth the path with any lender, a low credit score is often less of a concern with alternative lenders than at the bank. Choosing an Alternative Lender That Fits Your NeedsFinding the right lender involves more than looking at competitive interest rates; you’ll want to work with a company that has your best interests at heart and can help you to make informed decisions about your future. An alternative mortgage lender offers a more personalized approach to borrowing as well as more flexible options for individuals with poor credit or less fortunate circumstances. Finding a mortgage lender can be a daunting task. One common strategy to help is to seek the services of a qualified mortgage broker. They will help educate you on the process, ensure you are well informed and ultimately help you make the decision that's right for you. As an alternative lender, Alta West Capital provides solutions for people like you. With a quick and easy application, you can get your purchase, mortgage renewal or refinance underway today. Click the link to begin your application and we will get back to you within 24 hours. About Alta West CapitalSince 1991 we have helped Canadians in Alberta, British Columbia, and Ontario by providing them with mortgages and lending alternatives to meet their needs. We specialize in mortgages for first-time homebuyers, families that are new to Canada and self-employed business owners. We also offer debt consolidation services, mortgage refinancing, and mortgages for second homes or investment properties. No matter what your situation, when you trust Alta West Capital for your borrowing needs, you will receive exceptional service and personalized solutions. Choose Alta West Capital and discover why more and more Canadians are embracing alternative mortgage lenders. #### What to Consider When Applying for Home Renovation Loans Perhaps the most important thing to consider when it comes to applying for a home renovation loan is how much value it will actually add to your home and if it will make a good investment overall. These are some wise uses of a home renovation loan that will make your house more valuable if you plan to sell, and more enjoyable to live in if you plan to stay. Add Living Space with a Home Renovation Loan Developing the basement is one of the most lucrative investments to consider when you apply for a home renovation loan. A finished basement is an attractive allure to potential buyers and can give you the added space you’ve always wanted to work on hobbies, entertain, or have a loved one stay with you. You may even want to consider adding a developed loft to a garage to increase the living space of your home. Use a Home Renovation Loan to Upgrade the Kitchen Most mortgage professionals will tell you that the kitchen is the best place to start if you want to increase the value of your home. You can use the loan from a private mortgage lender to upgrade the appliances, replace the cupboards, or brighten the space with additional windows. Opt for a Luxurious Bathroom Using a Home Renovation Loan Upgraded bathrooms are also a great investment. A minor construction loan can help you apply a new coat of paint, change the colour scheme and add chrome multifunction faucets and ceramic sinks to your bathroom. A larger loan might allow for the addition of a soaker tub and shower, heated floors and a new vanity. Invest in Flooring with a Home Renovation Loan It’s amazing the difference that flooring can make; new floors can change the look of any room from the ground up. Replace your builder’s laminate with high-quality hardwood floors, add tile to the kitchen and bathrooms and upgrade the stained carpet upstairs. When you apply for a home renovation loan with a private mortgage lender, they will generally want to know your specific plans. Now that you know what projects will make good investments, start shopping around and find out the average construction costs of the work you require. Whether you’re looking to borrow or invest, Alta West Capital can help. We offer a number of lending solutions for first time buyers, individuals and families that are new to Canada, self-employed business owners, real estate investors and more. Alta West loans are fast and flexible to fit your needs. Visit our website to apply online or contact us directly. Call (403) 254-9075 or email info@awcapital.ca. #### What You Need to Know About a Commercial Property Mortgage A commercial property mortgage can help you secure the proper funds for the purchase of a new office building, retail store, apartment complex or other building. You can even use a commercial mortgage to consolidate your business debts. We’ll discuss everything you need to know about securing a commercial property mortgage with a mortgage investment corporation. What is a Commercial Property Mortgage? In the same way that a residential mortgage is a way to finance your home, a commercial property mortgage is a way to finance a building or property where you work or do business.  In this sense, there are many properties that qualify for this type of loan. Applying For a Commercial Property Mortgage It’s critical to understand that the criteria for qualifying for a commercial mortgage is unique and different from a residential mortgage. Your mortgage lender might ask about your business including how stable it is, what your plans for growth are, and some information about your credit history. Keep in mind that a private mortgage lender will likely have fewer conditions, making it easier to qualify for a commercial mortgage. Repaying a Commercial Property Mortgage Like a traditional mortgage that has an amortized term, commercial property mortgages are also paid off over a set amount of time. With your home, you may have up to 25 years to pay off the loan, but amortization terms are generally shorter with commercial mortgages to keep in line with business accounting practices. You could have the option to pay off your commercial loan over 5, 10, or 15 years. If a balance still exists at the end of the term, borrowers may choose to pay off the remaining principle in one sum payment, refinance the property, or sell. Where to Get a Commercial Property Mortgage Because it can be challenging to qualify for a commercial property mortgage, it’s best to trust a private mortgage lender, especially if your business is new, struggling, or in a significant amount of debt. A private lender can offer useful advice and assistance to help you navigate the complexities of the loan application process. Whether you’re looking to borrow or invest, Alta West Capital can help. We offer a number of lending solutions for first time buyers, individuals and families that are new to Canada, self-employed business owners, real estate investors and more. Alta West loans are fast and flexible to fit your needs. Visit our website to apply online or contact us directly. Call (403) 254-9075 or email info@awcapital.ca. #### What You Need to Know About Home Renovation Loans If you need some extra funds for an upcoming reno, a home renovation loan might be the answer. Whether your family is expanding or you’re trying to increase the value of your home, some renovations can’t wait. Here’s what you should know before beginning the application process. Be Specific About Your Home Renovation Loan It’s important to know where to spend the money in your home. When you are contemplating plans for updating your kitchen or landscaping the backyard, think about which renovations will add the most value to your home. When you have a specific project in mind that will serve to increase your home’s value, mortgage lenders will be more likely to loan the money. Furthermore, being specific in your intention will allow you to determine a number. Knowing the anticipated price of the renovations will help you to plan and will show the lender that you aren’t asking for any superfluous funds. Know Your Credit Score When applying for any loan, it’s important to know your credit score. Knowing your credit score ahead of time could save you the embarrassment of a loan being rejected. If you have bad credit, consider taking some actions to improve it. In some cases, private mortgage lenders may be more willing to loan the money than a bank will. Look into companies that offer bad credit loans or easy loan approval or take the necessary steps to recover your credit and wait to apply until you’ve seen some improvement. It’s also a good idea to look for any mistakes or incongruencies with your credit report. More Helpful Home Renovation Loan Tips In addition to being specific in your planning and knowing your credit score, there are a few other things to consider as in regards to a home renovation loan. Most loan lenders will want to know how much equity you have in your home and it’s a good thing for you to know as well. Determine the need of a co-signer. Borrowing with bad or no credit is easier when you have someone to co-sign.     Whether it’s your dream kitchen, finishing the basement, or putting in new floors, a renovation or construction loan can get you started on your next home improvement project.   Whether you’re looking to borrow or invest, Alta West Capital can help. We offer a number of lending solutions for first time buyers, individuals and families that are new to Canada, self-employed business owners, real estate investors and more. Alta West loans are fast and flexible to fit your needs. Visit our website to apply online or contact us directly. Call (403) 254-9075 or email info@awcapital.ca. #### What You Need to Know About Investment Property Mortgages Whether you plan to renovate and flip the house, rent it out, or sell it once the values increases, investing in a second property for investment purposes can be an excellent financial decision, but only if you’re prepared to take on the challenge of two independent mortgages. Here are some tips to help you prepare. Review Your Credit Score As with preparing for a first-time buyer mortgage, you should start with reviewing your credit report. If you have been diligent with your mortgage payments and other bills, you should be in a good position to apply for another loan. If there is anything out of order with your report, take the necessary steps to resolve the issues before proceeding. Do Your Homework In addition to researching current interest rates, house prices, and rent trends, make sure that figure out the estimated return of investment on the property. Before you dive head-first into purchasing a second property, you may also want to determine a mortgage lender and look into the benefits of partnering with an alternative mortgage lender versus a bank. Evaluate Your Finances One of the most important things to consider when applying for an investment property mortgage is whether or not you can afford the financial weight of an additional mortgage. You need to establish what you can afford as a down-payment, what it will look like to have multiple mortgage payments each month, and how much time and money you will need to invest in the upkeep and maintenance of the second property. Work With an Experienced Mortgage Lender Because managing two separate mortgages can be more complicated than only servicing one, it’s essential to work with experienced mortgage lenders who can help you navigate your unique situation. Alternative mortgage lenders are trustworthy, flexible, and equipped to help you with whatever you need. Whether you’re looking to borrow or invest, Alta West Capital can help. We offer a number of lending solutions for first time buyers, individuals and families that are new to Canada, self-employed business owners, real estate investors and more. Alta West loans are fast and flexible to fit your needs. Visit our website to apply online or contact us directly. Call (403) 254-9075 or email info@awcapital.ca. #### What You Need to Know About Mortgage Refinancing & Debt Consolidation Most Canadians have some type of debt obligation, including one or more of the following: a mortgage, car payment, line of credit, consumer loan, or credit card debt. For some individuals and families, debt is a source of major concern and cause severe anxiety, stress, and financial instability. While you may choose to deal with your debt in your own way, some people do not know or understand all of the options available when it comes to paying off and getting rid of debt. In this article, we will dive into two concepts that can make your journey towards financial stability both possible and accessible: debt consolidation and mortgage refinancing. What is Debt Consolidation? Debt consolidation involves combining multiple loans into one. If your credit card carries a high-interest rate, it may be beneficial to transfer the balance to an existing line of credit or to consolidate the loan by refinancing your mortgage. The benefits of debt consolidation include having only one monthly payment to worry about and, depending on the debt you carry, paying less than before. A mortgage lender can help you determine if debt consolidation is a good option for you. What is Mortgage Refinancing? Refinancing is different than mortgage renewal. Refinancing essentially allows you to replace your current mortgage or loan with a new one under different terms. Individuals may choose to refinance in order to change mortgage lenders, access lower interest rates, shorten the loan term, or consolidate debt. When making any decisions regarding changes to your mortgage, you should seek advice from a professional mortgage investment corporation to help you understand the pros and cons of your unique situation. Consolidation Through Refinancing Refinancing your mortgage as a means of consolidating loans allows you to replace high-interest debt with low-interest debt. Mortgages typically have significantly lower interest rates than credit cards and other typical consumer debt. Tapping into the equity built up in your home can potentially free up hundreds of dollars in cash flow each month and save you from high and unnecessary payments. Even though your total mortgage will increase, your ability to pay off debt faster will also be enhanced. If you choose to consolidate your debt through mortgage refinancing, you should be prepared to avoid racking up additional debt on your credit cards once the balance is paid off. Debt consolidation can help you get out of debt faster, but it shouldn’t be a catalyst for spending even more down the road. Advantages of Refinancing to Pay Off Debt 1.Lower Interest Rates Take advantage of the low-interest rates offered by your mortgage investment corporation or another mortgage lender. Paying less in interest each month can help you pay off debt faster. 2. Fixed Interest Rates When you enter into a mortgage contract, you may choose to select a fixed-rate loan. While credit card companies can increase interest rates at any time, locking in to a fixed-rate mortgage will allow you to set a consistent budget for debt repayment and eliminate any future surprises. 3. One Monthly Payment Taking care of only one monthly payment will significantly simplify your monthly financial obligations. Having several monthly payments can make it easy to forget or miss one, which can impact your credit score. Keep it simple with a single amount you won’t easily forget. 4. Lower Monthly Payment Not only will your debt be consolidated into one overall payment, but it could also end up being a significantly lower amount. The remainder left between what you were previously paying and your new monthly payment could mean an extra few hundred dollars each month. You may choose to pocket this residual cash, invest it, put it towards your mortgage, or keep it in a savings account. 5. Improve Your Credit Score When you refinance your mortgage to consolidate your debt, your mortgage will increase slightly while your credit card will be paid down to zero. The Canadian credit bureau highly favours loan payment in full. As a result, your credit score, whether good or bad, will show significant improvement. Tips From a Mortgage Investment Corporation While debt consolidation and mortgage refinancing may be excellent options for some people, they may not make sense for everyone. Be sure to discuss your options with your bank, broker, or mortgage investment corporation. A professional can help evaluate the long-term advantages and disadvantages of these changes. They will encourage you to consider any fees associated with the transaction, whether or not you should consolidate all debts or just a few, how long you plan to stay in the home you are currently in, and how current interest rates are forecasted to rise or fall based on the ever-changing economic climate. Whether you’re looking to consolidate your debt, refinance your mortgage or apply for a new mortgage, Alta West Capital can help. We offer a number of lending solutions for first time buyers, individuals and families that are new to Canada, self-employed business owners, real estate investors and more. Alta West loans are fast and flexible to fit your needs. Visit our website to apply online or contact us directly — call (403) 254-9075 or email info@awcapital.ca. #### What You Need to Know About Mortgage Renewal Renewing your mortgage can be a stressful time, but it doesn’t have to be. Whether your mortgage is with a bank or an alternative, such as a mortgage investment corporation, there are some things you should take note of before beginning the renewal process. Higher Interest Rates at the Time of Mortgage Renewal Unfortunately, the interest rates in Canada have been on the rise. In the past, you might have been in for a pleasant surprise when it came time to renew your mortgage, and some have begun to expect lower rates upon renewal. The current trends are a different story, however. Mortgage renewal may be a good time to shop around for a different lender. You may want to consider the benefits of choosing a private mortgage lender. Review Your Financial Situation Before Mortgage Renewal Prior to renewing your mortgage, you may want to take the opportunity to review and evaluate your current financial status. Before deciding to renew your mortgage with your current lender or a new institution, consider how your finances may have changed. Has your income increased or changed? What other investments do you have? What is your home equity? Have you had any renovations that have increased the value of your home? Prepare for Stress Tests at the Time of Mortgage Renewal In January of this year, the Canadian government introduced new rules in the mortgage industry, one of which is the requirement for a stress test. If you are applying for a first-time buyer mortgage or you want to refinance your existing mortgage, you’ll have to qualify under these rules. Because approval under the stress test is contingent on higher interest rates, it can be more difficult to qualify, thus discouraging homeowners from refinancing and allowing banks to jack-up prices when it comes to mortgage renewal. The good news is, private mortgage lenders are generally not under the same constraints, thus mortgage renewal with an alternative mortgage lender might be easier. Consider the Need for a Home Renovation Loan If you have upcoming plans for home renovations or minor construction, it might be wise to apply for a home renovation loan at the same time as a mortgage renewal. Consider how it will affect your rates and if the timing is right for you. Talk to a Mortgage Broker or a Private Mortgage Lender For some expert advice when it comes to mortgage renewal, talk to a mortgage professional. Brokers and lenders can give you some direction regarding the current market. Get advice on whether to shop around and how to navigate the new regulations. Whether you’re looking to borrow or invest, Alta West Capital can help. We offer a number of lending solutions for first time buyers, individuals and families that are new to Canada, self-employed business owners, real estate investors and more. Alta West loans are fast and flexible to fit your needs. Visit our website to apply online or contact us directly. Call (403) 254-9075 or email info@awcapital.ca. #### What You Need to Know About Self Employed Mortgages Congratulations! You have the entrepreneurial spirit, and you’ve decided to start your own business. There are plenty of benefits to being self-employed. While it takes hard work and determination, the pay-off will be worth it in the end! If you’re planning to buy a house in the midst of building your business, there are some things you should know. Applying for a mortgage while self-employed can be difficult, but we can help. Here’s what you need to know. Prove Your Income to a Mortgage Lender Most mortgage lenders will require you to provide two years worth of accounts in order to prove your income. We recommend hiring an accountant if you don’t already have one to help with the process. You should also focus on saving enough for a healthy downpayment. Finding a Mortgage Lender Without an adequate account of your work and a good credit score, the banks may turn you away for a self-employed mortgage. However, don’t lose hope. Private mortgage lenders generally have less strict requirements and, while you may still need to prove your income, a low credit score is less of a concern. Private mortgage lenders can help you get approved for a mortgage in almost any situation. The Do’s and Don’ts of Self-Employed Mortgages In summary, here is a list of everything you should and should not do if you’re planning to apply for a mortgage when you’re self-employed: Do keep up to date with your records and accounts. Do hire a certified accountant to help prepare the necessary documents. Do speak to a private mortgage lender about alternative solutions. Don’t minimize your income for tax purposes. Don’t assume it’s impossible to get approved for a mortgage just because you’re self-employed. Talk to a private mortgage lender today about your options; there may be different solutions based on the set-up of your business. It also never hurts to get testimonials from your clients as proof you have a good track record. Whether you’re looking to borrow or invest, Alta West Capital can help. We offer a number of lending solutions for first time buyers, individuals and families that are new to Canada, self-employed business owners, real estate investors and more. Alta West loans are fast and flexible to fit your needs. Visit our website to apply online or contact us directly. Call (403) 254-9075 or email info@awcapital.ca. #### When Aggressive Returns Blow Up in Your Face, Slow and Steady Wins the Race 5th Edition- The Alta West Summit Table Of ContentsPart 1:  AWC's  Investment Management Philosophy Part 2: The Broker’s Mortgage Market Monitor Part 3: Industry Developments: Gating and Liquidity within the Credit Markets Part 4: Client Testimonials Part 5: AWC and Premiere - Staying The Course Part 6: Philanthropy NewsPart 1 -  AWC's  Investment Management PhilosophyIn every market cycle, there are those who chase aggressive returns and others who modestly select for the long-term. While explosive returns can appear dazzling, they can also lead to explosive failure. We believe that the road to success is paved with discipline. Recent events in the Canadian lending and real estate sectors have only reinforced this mantra (see part 3). Across all our funds, we maintain predetermined underwriting guidelines, reviewing every deal that enters our MICs. To date, this has resulted in neither First Place nor Diversified experiencing a loss of investor principal. We hope that they serve as the worry-free investment in your portfolio, flowing steadily towards your financial goals! It’s not a tsunami, but the never-ending flow of a river will cut through mountains. This past quarter, that discipline has once again delivered; both funds have met their performance targets. In a global market that has yet to find its balance, slow and steady continues to win the race when explosive returns blow up in your face.  Reflecting this, Wendy McKenna, Chief Compliance Officer, states:  Wendy McKenna Chief Compliance Officer “We have once again commissioned Fundamental Research Corp. (FRC), a large research firm, to do a report on AWM Diversified MIC.  For the fourth consecutive year, FRC has awarded us a Rating of 2, recognizing our very good return-to-risk ratio. Even more impressively, they’ve highlighted our continued success in maintaining a below-average risk profile for AWM Diversified investments.  Results:  Rating of 2 (Very Good Return to Risk Ratio): We’ve continued to deliver strong returns while keeping risks well-managed.  Below Average Risk for Diversified: Our steadfast approach is being recognized for keeping risk lower than average. This is a direct result of the incredible teamwork and collaboration across all stakeholders.”  Part 2 - The Broker’s Mortgage Market MonitorAfter more than two years of tightening, the Bank of Canada now continues its long-anticipated easing cycle, which marks a turning point for borrowers and brokers alike. As rates fall, demand rises. As such, AWC has been rolling out new and modified PRODUCTS for our broker partners. We are seeing rental inventory rising and rents beginning to ease. As a result, some landlords may seize the chance to acquire low-cost properties, while others may choose to exit. For Alta West Capital, these dynamics signal renewed opportunity in residential lending, which acts as the absolute foundation of our business. As such, AWC has developed a product specifically designed for the purchase of RENTAL PROPERTIES. Armando Diseri Chief Sales Officer Part 3 - Industry Developments: Gating and Liquidity within the Credit MarketsBrent Shaw Chief Risk Officer Recent headlines in the private lending space have drawn attention to liquidity challenges among several large commercial lenders. Such moments remind us how quickly the best laid plans can be overturned by market realities. Not all MICs are the same and it is important to understand how they can differ; some choose a much more speculative composition of real estate: these may include development land, construction in rural locations or commercial developments or properties that are yet to be green-lit by municipalities. In contrast, our MICs are comprised almost entirely of residential mortgages that are exclusively Canadian. They are filled with individual homes in urban and suburban markets where value is tangible and demand is strong, ensuring that liquidity issues do not scale the same way as speculative development loans; there are millions of Canadians looking to purchase residential owner-occupied homes, but few who are looking to take over a massive commercial development. The result for AWC is a residential portfolio that is diversified and possesses solid collateral in the form of a weighted average LTV ratio across all funds of less than 70%. Furthermore, the borrower of AWC products is encouraged with their Mortgage Broker partner, to work towards their successful graduation to a lender who provides a different mortgage opportunity, which further helps to reduce the portfolio risk incurred for the funds. The additional benefit to consider in AWC’s credit products is the layers of scrutiny the portfolio mandate undergoes; from underwriting due diligence, to the lending committee, to the MIC Directors, and the Investor Advisory board, all serve to adhere to compliance, underwriting strictures and our funds’ mandated risk profiles. While our portfolios cannot match the liquidity of the equities market, they are also not linked to them and therefore do not trace its volatility. It is a fine balance, and AWC has found its own sweet spot in that of the residential mortgage loan. The investor receives a risk-adjusted return, and the broker can proudly offer their client a mortgage opportunity that fits their unique situation. “The recent news regarding the illiquidity of some other Canadian lenders underpins the driving values of our company: discipline in underwriting, transparency in communications, sound governance, and the commitment to aim to put all stakeholders of AWC into a better position, after having done business with us.” ~Brent Shaw If you want to learn more about our investment funds, please contact our Investor Relations team Contact Us If you are interested in learning more about our mortgage products, book a meeting with our Sales team. Book A MeetingIf you have any suggestions for what you would like us to include in future newsletters, please let us know below. Suggest HerePart 4 - Client TestimonialsAs the saying goes, show me someone’s friends and I will show you who they are. See what our stakeholders have to say about Alta West Capital  Investor Testimonial Sorry, your browser doesn't support embedded videos.Broker Testimonial Sorry, your browser doesn't support embedded videos.Part 5: AWC and Premiere - Staying The CourseThis year marks an important milestone in AWC’s evolution: the acquisition of Premiere Home Mortgage. Premiere’s four-decade legacy in the lending community complements AWC’s disciplined approach to fund management, uniting two firms that share a common philosophy of consistency, integrity, and service to stakeholders. John and Franca Mercuri, along with their talented staff, have done a fantastic job of providing consistent returns year after year (2024-25 being their highest-yielding year ever). George Botros, CEO of AWC, stated that, “This merger brings together two of Western Canada’s most successful alternative lenders. We are quite excited about what the future will hold. Together, we move forward with synergetic strength and a broader national footprint. The addition of Premiere expands AWC’s reach and enhances our origination capacity, leaving our core of sound underwriting, stable returns, and the careful stewardship of investor capital focus unchanged.” Growth, for AWC, has never been about scale alone. It is about fulfilling the company's goal of unlocking possibilities for all. Now we can do that more than ever. We are proud to welcome the Premiere team into the AWC family, enhancing our abilities to serve our stakeholders and safeguard their investments, while offering brokers maximized opportunity. Alta West Capital plans on staying the course in this trajectory of growth. Part6 - Philanthropy NewsIn light of unlocking possibilities together, watch how the team unlocked possibilities for families in El Salvador! Sorry, your browser doesn't support embedded videos.Thank you, and we here at AWC hope you’ve enjoyed our newsletter. We strive to be a reliable and engaging source of relevant information pertaining to the alternative lending space and the Canadian real estate market as a whole. Click below to read previous newsletters Read HereAlta West Capital is registered as an Exempt Market Dealer (“EMD”), Restricted Portfolio Manager (“RPM”) and Investment Fund Manager (“IFM”) in the province of Alberta. The firm is also registered in the provinces of British Columbia, Ontario, Manitoba, Saskatchewan and Yukon as an EMD. This information is directed only to residents of those provinces. For more information, contact Investor Relations at (403) 254-9075 ext. 4218 or by email . This communication is only directed to persons in these jurisdictions. Alta West Capital holds a mortgage broker license in British Columbia, a mortgage brokerage license in Alberta and Ontario, as well as a mortgage administration license in Ontario. FSRA Brokerage License 12633, FSRA Mortgage Admin License 12634. The opinions, analysis and information contained herein are current as of the date indicated, and Alta West Capital does not undertake to notify the reader of any subsequent change. Any information is not intended to constitute tax advice. Alta West Capital has not taken any steps to verify the accuracy and completeness of any third-party data referenced herein. Fund information contained herein or in any video is for general information purposes and is not intended to be a solicitation or recommendation nor is it intended to serve as a full or comprehensive description of the funds managed by Alta West Capital. Important information regarding the funds is set out in the offering document and Relationship Disclosure document, which should be reviewed prior to investing. Please contact us for a copy of these documents. Units of the MICs are not available for public distribution and may only be purchased by qualified investors. Past performance is no guarantee of future results. Actual performance will vary. #### Why Mortgage Investment Corporation (MIC) Makes Sense HELPING YOU ACHIEVE YOUR FINANCIAL GOALS In today's evolving market, the traditional 60/40% portfolio approach (equity/fixed income) may not be optimal for every investment portfolio. Now may be an ideal time to rethink your current investment strategy for achieving sustainable long-term growth. You may be interested in considering a mortgage investment corporation (MIC) as part of your investment portfolio. This type of investment offers exposure to the Canadian real estate lending market and an opportunity to invest with fellow Canadians. The MIC holds a mortgage portfolio made up of a pool of residential mortgages secured by real property. Mortgage funds, such as MICs, have been around since 1973 however, their popularity has been on the rise with financial advisors and retail investors in recent years. A mortgage fund is becoming a popular choice for investors as an alternative fixed-income product, which has the potential to enhance and provide stability for their investment portfolio. BENEFITS OF INVESTING IN A MORTGAGE INVESTMENT CORPORATION (MIC): Lower correlation to capital markets Private fixed investments, such as MICs, can act as a defensive strategy to lower the market volatility of one's overall portfolio. Because the price of MICs are uncorrelated with publicly traded securities, they can provide diversification and potential for more stable returns in different market environments. Approach to lending Mortgage funds can capitalize on higher-yielding lending opportunities that traditional lenders might miss. Traditional lending institutions use a structured approach which can result in missing lending opportunities or misclassifying opportunities as risky. In contrast, private mortgage funds are focused on finding deals that the traditional lending institutions miss, which can result in a higher yield to investors. A MIC can add diversification to your portfolio A MIC can be similar to a mutual fund in that investors pool their money together but instead of investing in equities, a MIC portfolio is made up of carefully selected mortgages that conform to the MIC's mandate1. It allows for a passive investment management approach with the goal of spreading the investment across a vast range of individual mortgages to allow for credit risk diversification.  A MIC is an income product The return that the investors receive is from the collection of monthly mortgage payments from borrowers. These returns are distributed as a regular dividend (monthly, quarterly or annually depending on the MIC). These dividends can be distributed in cash or reinvested to receive the compounding effect which allows for compound growth on the value of the investment. It should be noted that dividends are taxable as interest income. HOW ARE INVESTMENT RETURNS IN A MORTGAGE INVESTMENT CORPORATION GENERATED? Mortgage Investment Corporations (MICs) are flow-through investment vehicles that invest primarily in a pool of mortgage loans with the goal of generating income. By investing in a pool of mortgages (as opposed to an investment in a single mortgage), investors can help diversify the credit risk of individual mortgages. At Alta West Capital (AWC), we pay distributions monthly. AWC offers two MIC funds which allow investors to earn a targeted yield. Investments are backed by mortgages which are secured against residential properties. Our goal is to create a stable portfolio with consistent monthly returns. Learn more about our First Place MIC and AWC Diversified MIC CONNECT WITH OUR TEAM TODAY! We are here to help. Contact our Investor Relations team to learn more about investing in MICs. Book A Chat With Us! ### Pages #### About Us About UsUnlocking Possibilities, Together.About Alta West CapitalAlta West Mortgage Capital Corporation (Alta West Capital) is committed to building better futures for all stakeholders through its innovative financial products. Since 1991, Alta West Capital has served as one of Canada’s trusted mortgage lenders and fund managers, relied on by mortgage professionals, borrowers and investors alike. Alta West Capital believes that consistency is priceless and strives above all to offer it to everyone who does business with us. To investors, our goal is to provide consistent monthly returns and preserve shareholder capital. Brokers count on us for consistency and solutions customized for your clients. To borrowers, we aim to be the lender to tell you yes, after you’ve heard countless “no’s” from the traditional lenders. In pursuit of building better futures, we welcomed Premiere Home Mortgage into the Alta West family as a fully owned subsidiary in late 2025, joining two firms with a shared legacy of service across western Canada and Ontario. This acquisition allows us to combine the strength of Premiere’s legacy with Alta West’s proven fund management, modern technological architecture, and institutional-grade resources. For our investors, borrowers and broker partners, it means broader product offerings, enhanced support, and a continued focus on making home ownership possible. From our inception in a small office in Calgary to our national footprint today, Alta West Capital remains guided by a simple mission: to help Canadians build better futures. Our VisionBuilding better futures together through our financial solutions Our MissionUsing innovative financial products to unlock possibilities, providing security and stability for Canadians. Our ValuesWe strive for excellence. Our word is our bond. We succeed together. We practice giving back. Sorry, your browser doesn't support embedded videos. #### Apply For A Mortgage URL: https://awcapital.ca/apply-for-a-mortgage/ #### Apply For An Investment Diversify your portfolio with alternative fixed income investment solutionsOur funds have not experienced any negative returns since inception of the MIC’sLet us help you achieve your financial goalsLearn more about our unique investment opportunities. EmailThis field is for validation purposes and should be left unchanged.Name(Required) First Last Email(Required) Phone(Required)Location (province)(Required)Location (province)AlbertaOntarioBritish Columbia *By submitting your information, you consent to receive marketing materials from Alta West Capital.  You also agree to receive text messages at the number provided related to your request, appointment updates, and notifications, including messages sent by an autodialer. Consent is not a condition of purchase. Message and data rates may apply. Message frequency varies. You may unsubscribe at any time by replying STOP. Text HELP for customer care information. #### Borrowers Mortgages For The UnconventionalGain Financial Peace Of Mind With A Reliable, Trustworthy LenderAt Alta West Capital, we recognize that seeking out a loan is no small decision. We respect the trust our clients put in us and take pride in reinforcing this relationship through offering reliable service for your financial needs. Let us be by your side as you navigate these important decisions with confidence. Apply Now!Gain access to your much needed funding with minimal effortThe complexities and burdensome paperwork of major banking can make purchasing seem out of reach, but not anymore: we've made the buying process simpler and more accessible! Gain access to your much needed funding with minimal effortThe complexities and burdensome paperwork of major banking can make purchasing seem out of reach, but not anymore: we've made the buying process simpler and more accessible! We’re in the Business of Problem SolvingUnverifiable IncomeTake control of your financial future and secure the resources you need to stay on top. Our experts will guide you through any obstacles, so that even without a regular income source, financing is still within reach. We understand that it’s about more than the mortgage, and we look at your entire financial picture to find the best options for your lifestyle. Unverifiable IncomeTake control of your financial future and secure the resources you need to stay on top. Our experts will guide you through any obstacles, so that even without a regular income source, financing is still within reach. We understand that it’s about more than the mortgage, and we look at your entire financial picture to find the best options for your lifestyle. New to CanadaMigrating to a new country is a stressful endeavour and a brave one at that. Your entrance into Canada should be secure and as stress-free as possible — we can make that happen. Debt ConsolidationCredit card debt and ballooning interest rates can add up quickly. Before you know it, it can feel like you’re on a slippery slope with no hope of recovering. You have more power than you think. We empower our clients’ wealth journey by consolidating their debt onto a lower monthly mortgage rate. Watch your credit score go up again! Home ImprovementSaving up for the big kitchen renovation can be frustrating. You’re ready for the functional layout you’ve always dreamed of. Good news - your next home project is fully funded! We help you tap into your home equity so you can finally build that extra bedroom, give your mudroom a makeover, or design your dream home. First-time home-buyerBuyer’s remorse is a real thing, especially for those who went into the process unprepared and without help. Purchasing your first home is a big decision that can be stressful and overwhelming. Let us ease your worries and help you enjoy the process by taking care of the little things, so you can focus on what matters. Investment propertyYou’re ready to grow your wealth with a smart investment strategy in the rental market. Congratulations! While banks may greet you with red tape, we pave the way for a seamless process for your new income stream. There’s a mortgage product waiting for your new venture that won’t cause any more headache than it should. Life’s Unexpected MomentsUnexpected moments can drastically alter your finances. We’re here to help you fill in the gaps and get grounded in your financial journey. Alta West has been an excellent Alternative lender to work with for our team. Their turnaround time is fantastic and they can get deals done quickly especially when we are in a time crunch. Start to finish, we enjoy working with them, and looking forward to working with them again on our next Alternative deal. Radika R, Mortgage BrokerFrequently Asked QuestionsIf I have poor credit, will I be approved for a mortgage? We understand that life events can damage your credit. We look at your situation by evaluating your ability to make payments, what the money will be used for and whether there is sufficient equity in your property. I have been laid off but have lots of equity in my property – can you help? With enough equity, Alta West Capital has solutions to help you through these life events. I have to look after a sick parent and have power of attorney. Can you help me afford to look after my family members? With the proper power of attorney and equity in the property, Alta West Capital can help you through this life event. My bank has denied my request – can you help? Alta West Capital is not a bank, and we have flexible solutions to fit your personal circumstance. I have Canada Revenue Agency debts – can you help? With enough equity and income to make payments, Alta West Capital can assist with your CRA debts. I am new to Canada and want to buy a house, but I am not yet a citizen – can you help? With equity and the ability to make payments, Alta West Capital prides itself on helping new Canadians with the dream of owning a home. I don’t think I have enough for a downpayment. Can you help? If you do not have enough to make a downpayment, we have solutions to help you secure a mortgage and finally get to move into the neighbourhood you’ve had your eye on. My funding has been delayed - do you do temporary funding? If you find yourself in need of short-term funding but are running up against a tight timeline, our team is here to support you. Let’s Chat About Your Solutions #### Broker Forms All Your Forms In One PlaceWe Make It Easy For You To Access What You NeedBorrower Income Declaration - Part ADownloadBorrower Income Declaration - Part BDownloadNet Income CalculationDownloadBusiness Owner DeclarationDownload Rental Property FormDownloadGift Letter FormDownloadInformation Consent FormDownload Exclusivity AgreementDownloadKeep Your Finger On The PulseSubscribe to the Alta West Mortgage Minute, an email newsletter for Mortgage Professionals to get real-time market updates. FacebookThis field is for validation purposes and should be left unchanged.Name(Required) First Last Email(Required) Phone(Required) #### Broker Loyalty Program Alta West Capital Broker Loyalty ProgramYour Dedication Deserves To Be RewardedThis incentive program allows our nationwide network of Mortgage Brokers to receive rewards for their contribution.Alta West Capital and its brokers are united in our mission to help your clients navigate challenging financial landscapes to secure homeownership and financial stability. This shared vision is why we are proud to announce a charitable enhancement to our Broker Loyalty Program (BLP). For every deal funded, Alta West Capital will donate $100 to a charitable cause. This initiative is a testament to our joint commitment to societal betterment, and it’s important to note that this contribution is in addition to your BLP rewards, with no deductions from your earnings. Our goal this year is to raise $100,000 to be dedicated to charitable causes by funding more deals together. To achieve this goal,  all brokers who fund their first deal with Alta West Capital will be eligible for the BLP and their first deal will be counted towards our contribution of charitable payout. This initiative marks a massive step forward for Alta West Capital, shattering our records for BLP payout rewards to our brokers as well as our previous fundraising events! Loyalty ProgramAt Alta West Capital, we strive to create an atmosphere of innovation and opportunity. Our commitment to deploying creative solutions propels our broker partners towards success. Start Earning Through Our Broker Loyalty ProgramHow Do You Earn with Alta West Capital?1.Find more flexible solutions for your clients2.Close a deal with Alta West3.Cash out quarterly, based on volume1.Find more flexible solutions for your clients2.Close a deal with Alta West3.Cash out quarterly, based on volumeIt’s that simple Alta West Capital understands that each client’s needs are different, and their business model reflects this. Their solutions are flexible, and they work with mortgage agents to make the deal possible for the client. The team at Alta West Capital shows that they appreciate your business. Their customer service is second to none. Thank you to the Alta West Capital team. Devina S, Mortgage BrokerStart Earning!Get The Latest Market Updates Before Anyone ElseSubscribe to the Alta West Mortgage Minute, an email newsletter for Mortgage Professionals to get real-time market updates. CompanyThis field is for validation purposes and should be left unchanged.Name(Required) First Last Email(Required) Phone(Required) #### Contact Discover How To Optimize Your Financial Options And Get Advice Tailored To YouAlta West Capital403-254-9075 Toll-Free +1-888-554-9075#810 – 10201 Southport Road SW, Calgary, AB T2W 4X9FSRA License, Mortgage Brokerage 12633, Mortgage Admin 12634Fill out the form below. We’ll chat with you soon! NameThis field is for validation purposes and should be left unchanged.Name(Required) First Last Email(Required) Phone(Required)Location (province)(Required)Location (province)AlbertaBritish ColumbiaOntarioFinancial solutions for(Required)Financial solutions for...BrokerBorrowerInvestorMessage(Required) *By submitting your information, you consent to receive marketing materials from Alta West Capital.  You also agree to receive text messages at the number provided related to your request, appointment updates and notifications, including messages sent by an autodialer. Consent is not a condition of purchase. Message and data rates may apply. Message frequency varies. You may unsubscribe at any time by replying STOP. Text HELP for customer care information. #### Cookie Policy Cookie Policy #### Disclaimers DisclaimersGeneral All published information set out herein is for general information purposes and is not intended to be a solicitation or advice relevant to the reader’s specific financial situation and suitability of the client’s investment. Technical information is for general information purposes only and not intended to serve as a full or comprehensive description and should not be relied upon. Any information provided here has been obtained from sources believed to be accurate but cannot be guaranteed. Any opinions expressed in this document are based on analysis of market events and circumstances as at the date of publication and are subject to change. Alta West Mortgage Capital Corporation (Alta West Capital) does not undertake to notify the reader of any subsequent changes. The information contained herein is for general information purposes and is not intended to constitute tax advice. Alta West Capital does not warrant the accuracy or completeness of the information contained herein and does not undertake to notify the reader of any changes to tax regulation or the application of tax regulation since the date of publication. Diversification in your portfolio is important. Please note Alta West Capital has no ability or expertise to provide meaningful overall portfolio analysis of all your separate investment classes to diversify your individual portfolio. Alta West Capital is a captive exempt market dealer as it only sells investment products that are connected to Alta West Capital and is therefore only able to provide recommendations on its own funds and cannot offer the investor alternative options or opinions on other investments. Alta West Capital is also a “connected issuer” to the Alta West Capital managed funds; AWM Diversified MIC, First Place MIC, and Alta West Mortgage Opportunity Fund Ltd. (MOF) as defined in National Instrument 33-105 Underwriting Conflict, because of common ownership and management between Alta West Capital, the MICs, and MOF. Alta West Capital is registered as an Exempt Market Dealer (“EMD”), Restricted Portfolio Manager (“RPM”), and Investment Fund Manager (“IFM”) in the province of Alberta. The firm is also registered in the provinces of British Columbia, Ontario, Manitoba, Saskatchewan, and Yukon as an EMD. This information is directed only to residents of those provinces. For more information, contact Investor Relations at (403) 254-9075 ext. 4218 or by email at investor.relations@awcapital.ca. Alta West Capital holds a mortgage broker license in British Columbia, a mortgage brokerage license in Alberta and Ontario, as well as a mortgage administration license in Ontario. FSCO Brokerage License 12633, FSCO Mortgage Admin License 12634. AWM Diversified MIC Brochure Past performance is no guarantee of future results. Actual performance will vary. There is no assurance AWM Diversified MIC will achieve its objectives or be able to pay dividends consistent with historical payments. As such, dividends are subject to all the risks of AWM Diversified MICʼs operations and industry and investments generally, including the ability of borrowers to make applicable payments under mortgages comprising AWM Diversified MICʼs portfolio, real estate values, interest rates, unexpected costs, competition, the economy generally, and other factors beyond the control of AWM Diversified MIC. There is liquidity risk as shares of AWM Diversified MIC are not publicly traded and you may be unable to sell or redeem them in a timely manner, or at all. The information contained in this brochure is qualified by, and subject to, the more detailed information contained in the Fund Information Document for AWM Diversified MIC, which is available to all investors. For a detailed list of risk factors related to an investment in shares of AWM Diversified MIC, all investors are encouraged to read the Fund Information Document and consult with their investment, legal, accounting, and tax advisors. The information contained herein is current to the date indicated on this brochure. Neither Alta West Capital nor AWM Diversified MIC assumes any obligation to update or revise this document to reflect new events or circumstances other than as may be required by applicable laws. First Place MIC Brochure Past performance is no guarantee of future results. Actual performance will vary. There is no assurance First Place MIC will achieve its objectives or be able to pay dividends consistent with historical payments. As such, dividends are subject to all the risks of First Place MIC’s operations and industry and investments generally, including the ability of borrowers to make applicable payments under mortgages comprising First Place MIC’s portfolio, real estate values, interest rates, unexpected costs, competition, the economy generally, and other factors beyond the control of First Place MIC. There is liquidity risk as shares of First Place MIC are not publicly traded and you may be unable to sell or redeem them in a timely manner, or at all. For a detailed list of risk factors related to an investment in shares of First Place MIC, see Item 9 of its current Offering Memorandum and Alta West Capital Relationship Disclosure Document. The information contained herein is current to the date indicated on this brochure. Neither Alta West Capital nor First Place MIC assumes any obligation to update or revise this document to reflect new events or circumstances other than as may be required by applicable laws. Important information regarding First Place MIC is set out in its Offering Memorandum which should be reviewed prior to investment. Please contact us for a copy of this document. #### Flexline HELOC Forms Flexline Home Equity Line Of Credit FormsEasily access the Flexline HELOC forms you need.The Flexline Home Equity Line Of Credit (HELOC) offers a flexible solution, allowing you to withdraw and repay funds as needed. We're excited to help you unlock financial possibilities with the Flexline HELOC. Need to withdraw or repay funds? The necessary fillable PDF forms are available below for your convenience. HELOC Withdrawl FormDownloadHELOC Repayment FormDownloadHave questions or need assistance? Please fill out the form below to contact us. We are here to assist you every step of the way. "*" indicates required fields CompanyThis field is for validation purposes and should be left unchanged.Name* First Last Email* Phone*Message* #### Form Error Oops! Something went wrong. There was a problem submitting your form. Please check your information and try again. #### Form Thank You Thank You! We’ve received your message and will get back to you as soon as possible. #### Home Cultivating Financial Success In Others Through Education, Opportunity, And CapitalOur Team Has Been Making It Happen For Over Three Decades Let us help make your dreams a reality Mortgage brokers and borrowers rely on us to find unique financial solutions through alternative lending. Investors trust us with their hard-earned capital to provide alternative investment strategies. Connect With Our TeamLearn MoreBrokers Who Want To Offer More Learn MoreBrokers Who Want To Offer More The strict requirements of traditional lenders, like banks, can make some situations feel hopeless. We are here to offer tailored solutions that open doors that were previously thought to be closed, allowing us to craft outcomes that match your clients' unique situations. Learn MoreInvestors Seeking Alternative Solutions Learn MoreInvestors Seeking Alternative Solutions We aim to provide superior customer service and alternative investment products that meet expectations. Preserving shareholder capital while providing monthly returns is our primary objective. Learn MoreUnparalleled Borrower Satisfaction is at the Heart of What We Do Learn MoreUnparalleled Borrower Satisfaction is at the Heart of What We Do For individuals who are starting a new life in Canada, or have a complex financial history that is difficult to explain to conventional lenders, securing financing may seem like an impossible challenge. We understand the importance of your goals and dreams and our team specializes in working with borrowers of all backgrounds so they can make their ambitions a reality. Why Alta West? I recently worked with Alta West to help with a short-term financing need. They were quick to respond and proficient in their work. The terms were funded exactly as agreed, and they worked with me on a tight timeline. Thanks, Alta West, for the great service! Angela Epp, Mortgage Broker Alta West provides out-of-the-box solutions for clients who have had challenges in lending in the past. Great service and response times. Shannon Lazorko, Mortgage BrokerFast. Experienced. Accessible. Partnering with Alta West Capital for Peace of Mind You’re not just shopping for a product. You’re looking for a solution that can bring your financial success one step closer. We take the time to learn about your short-term and long-term goals to provide a tailor-made lending experience. Funding is just a phone call away Get In Touch #### Invest with AWC Helping You Build Your WealthSee The Difference Experience MakesFor over 30 years, Alta West Capital has navigated through significant market cycles which has enabled us to carve a niche in the alternative investment space. You trust us with your hard-earned capital, and we take that responsibility seriously. We strive for strength and stability at every juncture, our goal is to make your investments as strong as possible. Invest With UsCheckFirstCheckFirst is a valuable resource for investor education provided by the Alberta Securities Commission (ASC). It offers a variety of tools, articles, and interactive content designed to help individuals make informed investment decisions and identify potential risks. This initiative aligns with our goal of promoting transparency, financial literacy, and responsible investing among our clients. Is A MIC Your Next Investment Vehicle? It’s time to add variety. Enhance your portfolio with unique investment opportunities in mortgage-backed securities. Is A MIC Your Next Investment Vehicle? It’s time to add variety. Enhance your portfolio with unique investment opportunities in mortgage-backed securities. Is A MIC Your Next Investment Vehicle? It’s time to add variety. Enhance your portfolio with unique investment opportunities in mortgage-backed securities. You want to invest in Canadian real estate without the active management required.You appreciate the expertise, knowledge, and longevity of an investment manager who has navigated through significant market cycles.You want an investment opportunity with a company that has been in business for over 30 years.You’re looking to enhance the fixed income portion of your portfolio.Why Investors Choose Alternative Investments with Alta West CapitalDiversification An investment in a MIC may help you diversify your portfolio of investments. Returns are largely uncorrelated with the public markets. Performance Our goal, as fund manager, is to preserve shareholder equity and provide income monthly. Our MIC funds have delivered no negative yields since their inception. Longevity Alta West Capital has been in the alternative lending space for over 30 years. Today, Alta West Capital manages over $350+million dollars in mortgages across Western Canada and Ontario. Responsibility Our team is driven by a passion for creating innovative solutions, and empowering our borrowers, investors, and staff members. Whether it's closing the gaps that exist or putting your ambitions within reach-we strive to provide unparalleled service with responsibility at its core. What’s in your 10-year plan?1Buying a vacation home?2Funding your child or grandchild’s post-secondary education? 3Retiring early?4More charitable giving?5Finally ready for the big boat?1.Buying a vacation home?2.Funding your child or grandchild’s post-secondary education? 3.Retiring early?4.More charitable giving?5.Finally ready for the big boat?We can help you get thereWe can help you get thereHow are investment returns generated?What is a MIC?A Mortgage Investment Corporation (MIC) is an investment fund that pools capital from investors to lend to borrowers, with a mortgage as security. By investing in a pool of mortgages investors can diversify their risk and earn monthly income. MICs are flow-through investment vehicles that distribute 100% of the net income to the shareholders. All MIC investments must be in Canadian mortgages. Alta West has patiently and persistently built strong systems and processes in this space - it’s complicated, and Alta West Capital is doing a good job. David H, MIC Investor As I’ve gotten to know the people involved in this company, my confidence as an investor has grown. 5 stars for exceptional staff leading to exceptional service. Howie M, MIC Investor I found everyone very professional and friendly. They were very informative and answered all my questions. I am very happy with my experience with Alta West Capital and I'm already recommending them to friends. David K, MIC InvestorFrequently Asked QuestionsWhat is required to set up an investment?Speak to one of our representatives to see if investing in a MIC is right for you. Our knowledgeable team will guide you through the required documentation and ensure that you meet eligibility requirements.Can I redeem my funds?Yes, Pursuant to a policy adopted by the management of the Corporation, a Shareholder’s Shares may be redeemed by the Corporation on a monthly basis at the request of a Shareholder, however, the Corporation reserves the right to redeem Shares on a quarterly or less frequent basis in accordance with the ABCA and the Corporation’s Articles of Incorporation.How often does the MICs Alta West Capital distribute dividends? Dividends are issued monthly. Can I invest through a registered plan?Yes. Alta West Capital managed MICs are registered plan eligible (TFSA, RRSP., etc). Talk to your representative for more details.I don't live in Alberta. Can I still invest?We currently work with investors from Alberta, British Columbia, Manitoba, Saskatchewan, Yukon, and Ontario.Is there a minimum or maximum amount I can invest?There is a minimum investment amount of $10,000 in our investment products. While there is no maximum investment, the amount you may invest will be dependent on eligibility requirements.Can a company make an investment?Yes, cash accounts are eligible for companies and personal investments. Both are subject to suitability requirements.How are dividends taxed?At the end of the year, you will receive a T5 stating your interest income.What is required to set up an investment?Speak to one of our representatives to see if investing in a MIC is right for you. Our knowledgeable team will guide you through the required documentation and ensure that you meet eligibility requirements.Can I redeem my funds?Yes, Pursuant to a policy adopted by the management of the Corporation, a Shareholder’s Shares may be redeemed by the Corporation on a monthly basis at the request of a Shareholder, however, the Corporation reserves the right to redeem Shares on a quarterly or less frequent basis in accordance with the ABCA and the Corporation’s Articles of Incorporation.How often does the MICs Alta West Capital distribute dividends? Dividends are issued monthly. Can I invest through a registered plan?Yes. Alta West Capital managed MICs are registered plan eligible (TFSA, RRSP., etc). Talk to your representative for more details.I don't live in Alberta. Can I still invest?We currently work with investors from Alberta, British Columbia, Manitoba, Saskatchewan, Yukon, and Ontario.Is there a minimum or maximum amount I can invest?There is a minimum investment amount of $10,000 in our investment products. While there is no maximum investment, the amount you may invest will be dependent on eligibility requirements.Can a company make an investment?Yes, cash accounts are eligible for companies and personal investments. Both are subject to suitability requirements.How are dividends taxed?At the end of the year, you will receive a T5 stating your interest income.Ready To Level Up Your Investment Portfolio?Do things differently. Consider alternative investing.Meet with Us #### Investment Products Alta West Capital Investment ProductsUncover Alternative Fixed-Income OpportunitiesDrawing on more than three decades of financial insight, we aim to pass our expertise onto you. Our team has been through various market cycles and understands the significance of prudent portfolio management and how that management is key for your investment to grow and thrive. Invest With UsAlternative Investment Opportunities See why investors are seeking alternatives to traditional fixed-income products. Explore the alternative investment opportunities we offer. Alta West Capital provides investors with exposure to the housing market through MIC investments in our professionally managed residential mortgage portfolios. Our goal is to create a stable portfolio of mortgages that provide consistent targeted returns for investors. Alternative Investment Opportunities See why investors are seeking alternatives to traditional fixed-income products. Explore the alternative investment opportunities we offer. Alta West Capital provides investors with exposure to the housing market through MIC investments in our professionally managed residential mortgage portfolios. Our goal is to create a stable portfolio of mortgages that provide consistent targeted returns for investors. Alternative Investment Opportunities See why investors are seeking alternatives to traditional fixed-income products. Explore the alternative investment opportunities we offer. Alta West Capital provides investors with exposure to the housing market through MIC investments in our professionally managed residential mortgage portfolios. Our goal is to create a stable portfolio of mortgages that provide consistent targeted returns for investors. First Place MICFUNDSERV CODE: BEL 1811 First introduced in 2007, First Place MIC’s portfolio consists of first mortgages across Western Canada and Ontario, with the majority being owner-occupied residential properties. Each loan in First Place MICs portfolio has a loan-to-value ratio of 75% or less at the time of funding First Place BrochurePORTFOLIO SUMMARYFigures as of September 30, 2025 $25Massets under management1 101number of mortgages 56%weighted loan-to-value (LTV)2 1 Value of mortgages in the fund. 2 Calculated as loans outstanding divided by the value of the property secured at time of origination. The properties included in the weighted LTV calculation are of similar property types as 98% of the assets under management are residential properties, with the remaining being retail or mixed-use retail/ residential properties. AWM Diversified MICFUNDSERV CODE: BEL 1801 AWM Diversified MIC was first introduced in 2004. The portfolio consists of first and second mortgages across Western Canada and Ontario in primarily owner-occupied residential properties. While each loan in AWM Diversified MIC’s portfolio has a loan-to-value ratio of 90% or less at the time of funding, the portfolios’ goal is to maintain a weighted loan to value of 75% or less. Diversified BrochurePORTFOLIO SUMMARYFigures as of September 30, 2025 $242Massets under management1 850number of mortgages 67%weighted loan-to-value (LTV)2 1 Value of mortgages in the fund. 2 Calculated as loans outstanding divided by the value of the property secured at time of origination. The properties included in the weighted LTV calculation are of similar property types as 99% of the assets under management are residential properties, with the remaining being retail or mixed-use retail/ residential properties. Fundamental Research Corp. (FRC) We recently commissioned Fundamental Research Corp. (FRC), a large research firm, to report on AWM Diversified MIC. For the fourth consecutive year, FRC has awarded AWM Diversified MIC a Rating of 2, recognizing our very good return-to-risk ratio. They have also highlighted our continued success in maintaining a below-average risk profile. Click the link to read the full report. View Investment ReportAWC Strategic Income Fund Ltd.The AWC Strategic Income Fund Ltd. (SIF) is an investment product that issues debentures for a set term at a fixed interest rate. The current terms offered are 6, 12, 18 and 24 month terms. The portfolio consists exclusively of first mortgages with a maximum loan-to-value ratio of 65% or less. The mortgages are primarily residential properties located across Western Canada and Ontario. SIF is not Registered plan eligible. Download brochureInvest via Registered Retirement Savings Plan (RRSP/RRIF)Contributions to an RRSP are tax deductible and therefore reduces your taxable income. Also, income earned in the RRSP is not taxed allowing you to take advantage of tax-free growth. Download RRSP BrochureDownload RRIF BrochureInvest via Registered Retirement Savings Plan (RRSP/RRIF)Contributions to an RRSP are tax deductible and therefore reduces your taxable income. Also, income earned in the RRSP is not taxed allowing you to take advantage of tax-free growth. Download RRSP BrochureDownload RRIF BrochureInvest via Tax-Free Savings Plan (TFSA)With a TFSA, you can set aside money in eligible investments and monitor those savings as they grow tax-free throughout your lifetime. Download TFSA BrochureInvest via Tax-Free Savings Plan (TFSA)With a TFSA, you can set aside money in eligible investments and monitor those savings as they grow tax-free throughout your lifetime. Download TFSA BrochureInvest via Education Savings Plan (RESP)A Registered Education Savings Plan (RESP) is an investment vehicle that allows parents in Canada to save for their children’s post-secondary education. The principal advantages of RESPs is access to the Canada Education Savings Grant (CESG) and a method of generating tax-deferred income. Download the RESP BrochureInvest via Education Savings Plan (RESP)A Registered Education Savings Plan (RESP) is an investment vehicle that allows parents in Canada to save for their children’s post-secondary education. The principal advantages of RESPs is access to the Canada Education Savings Grant (CESG) and a method of generating tax-deferred income. Download the RESP BrochureCustomer Service is Our PriorityWe care about working with people whose values align with ours.  In an industry like this, quality, consistency and communication are the gold standard we set, and our clients have depended on for over 30 years. Let’s Chat About Your InvestmentsDisclaimers: Past performance is no guarantee of future results. Actual performance will vary. There is no assurance that AWM Diversified MIC, First Place MIC, or Alta West Mortgage Opportunity Fund Ltd. (MOF) will achieve their objectives or be able to pay interest consistent with historical payments. As such, interest/dividends are subject to all the risks of AWM Diversified MIC’s, First Place MIC's, and MOF's operations and industry and investments generally, including the ability of borrowers to make applicable payments under mortgages comprising the mortgage portfolios, real estate values, interest rates, unexpected costs, competition, the economy generally, and other factors beyond the control of AWM Diversified MIC, First Place MIC, and MOF. There is liquidity risk as shares of AWM Diversified MIC, First Place MIC, and MOF are not publicly traded, and you may be unable to sell or redeem them in a timely manner, or at all. For a list of additional risk factors related to an investment in shares of AWM Diversified MIC, First Place MIC, and MOF, see the Investment Risk section in the Alta West Capital Relationship Disclosure Document. Read the full disclosure here. #### Investor Newsletter READ PREVIOUS NEWSLETTERS October 2024 #### Mortgage Calculator Mortgages represent significant financial commitments. Calculating mortgage payments can be challenging, but the Mortgage Calculator by Alta West simplifies these complex calculations. Utilize our mortgage calculator to determine your monthly payment, including principal and interest rates, taxes, and insurance. (Please note: The default rate displayed below is based on the national daily average and may vary in your location. Consult your Loan Officer for more information.) #### Mortgage Products Alta West Capital Mortgage ProductsBe Your Client's Trusted Guide In Finding The Solutions They NeedFor over 30 years, we've been enabling mortgage brokers to go the extra mile for their clients. Our commitment is providing responsible options and creating a seamless experience for everyone involved. Connect With Your Mortgage PartnersDelivering Flexible Mortgage Products with Fewer RestrictionsExpress Rental Promo The Rental Express is tailored for clients turned away by traditional lenders when looking to acquire property with the specific intention of renting it out. This product is ideal for clients with a proven repayment history.DownloadExpress MortgageOur Express Products are an excellent option for those who have established a history of reliable payments and seek a more competitive rate than traditional lenders can offer.DownloadFlexline HELOC The Flexline Home Equity Line of Credit (HELOC) offers a flexible solution for clients who are self-employed or have experienced a significant life event. Clients can withdraw funds as needed and pay them down at their convenience.DownloadFlex 83% LTV High Ratio The true 80% cash-out on the deal. Designed for owner-occupied use. It offers flexible terms, quick underwriting, and the opportunity to achieve real estate goals. DownloadFlex 1st & 2nd Mortgage  Life isn’t linear. Credit issues, documentation requirements, or unexpected life events shouldn’t get in the way of the financing your clients need.Flex 1st MortgageFlex 2nd MortgageFlex: Multi Residential & Mixed Use PropertiesFlexible solutions when turned away by traditional lenders. Ideal for clients who are looking to purchase or refinance multi-residential properties without jumping through hoops. DownloadUnderwriting Pricing SummaryDownloadOut-of-the-Box Solutions for Financial Flexibility You don't have to turn away potential clients or exhaust yourself searching for the perfect product. We'll create rewarding experiences, thanks to our comprehensive strategies and devotion to providing optimal satisfaction. Allow deals to move quickly yet securely knowing we handle everything along each step of journey. Out-of-the-Box Solutions for Financial Flexibility You don't have to turn away potential clients or exhaust yourself searching for the perfect product. We'll create rewarding experiences, thanks to our comprehensive strategies and devotion to providing optimal satisfaction. Allow deals to move quickly yet securely knowing we handle everything along each step of journey. Simplify Your Lending Systems for Better Work-Life BalanceTraditional lending from banks doesn’t work for everyone. We’re here to help you bridge the gap between your client’s financial roadblocks and the suitable mortgage solutions out there. Traditional lending from banks doesn’t work for everyone. We’re here to help you bridge the gap between your client’s financial roadblocks and the suitable mortgage solutions out there. Connect With Our TeamLending AreasThe lending areas we provide financing for are reviewed regularly. Download Full ListApproved AppraisersOur appraisers are here to simplify your workflow. Connect with one of our preferred professionals in our lending areas. Download Full List Alta West Capital provides an outstanding level of service in all aspects of their work. They are a dedicated and cooperative team. Alta West Capital does everything they can to make funding my deals as seamless and speedy as possible. Their team helps me structure the right deal with a thorough understanding of client needs and the constantly changing market. I would highly recommend utilizing them in your lending portfolio! Sulosan T, Mortgage Broker Over the last 10 years, I have developed a great partnership with Alta West Capital. Their dedication and care that they provide to my clients are outstanding, and I appreciate their creative approach to bringing financial solutions to my business. Working hand and hand with the BDMs, management, and underwriting, continues to be an outstanding experience. Khider E, Mortgage BrokerBenefit from Transparency and FlexibilityWe’re not your competition; we’re your secret weapon in collaboration. You love helping your clients win, and we love helping you get creative about how you do that. Let us help you explore better ways to fund your client’s next loan.There is a world of opportunity waiting #### Privacy Policy POLICY SUMMARY Your privacy is important to us. Any information you provide through this website may be collected to inform you about company updates. We will use your data to fulfill requests, process applications, or do so as you authorize. Your personal information may be shared with third parties, as required by law or for legal purposes. All data is securely stored with restricted access. Privacy Legislation applies as follows: CPPA (Federal) governs, among other things, the Firm’s collection, use, disclosure, and management of personal information within all provinces and territories except Alberta, British Columbia and Québec, and with respect to any transfers of personal information across provincial or national borders. BC PIPA governs the collection, use, disclosure, and management of personal information by firms in the course of its activities within British Columbia. Alberta PIPA governs the collection, use, disclosure, and management of personal information by the Firm in the course of activities within Alberta. In some instances, more than one statute might apply to the handling of personal information. The Need for Personal Information Alta West Capital has collected Personal Information from Clients to meet certain regulatory requirements and help us evaluate their needs. This information will necessarily include your personal information and, in certain cases, information about other individuals (e.g., spouses, other individuals with trading authority or beneficial interest). Your personal information is essential to ensuring regulatory compliance and proper assessment of your financial situation. SMS Notifications for Mortgage Payment Obligation You acknowledge that Alta West Capital will send SMS (text) messages to the cell phone number you provide to remind you of your upcoming payment obligations. These notifications may include messages sent in advance, on the due date, and for any arrears related to such payment obligations from time to time. By entering into a mortgage agreement and providing your mobile number, you agree that these communications are an essential part of servicing your account, and consent is explicitly implied and cannot be withdrawn while your account remains active. Your internet service provider and/or mobile carrier may charge you their standard data and message rates for these notifications, and you shall be solely responsible for any such charges. These messages are strictly for account-related purposes and will not include marketing or promotional content. Your mobile number and related account information are used solely for servicing your mortgage and will not be shared for marketing purposes without separate consent. Data is retained only as required by law and for legitimate business purposes, and these communications comply with applicable Canadian privacy laws. It is important to make all your payments on time to avoid receiving notifications regarding arrears. Contact information If you have questions about how your personal information is handled or wish to request access to or correct your personal information under our care and control, please contact Alta West Capital. Owner and Data Controller Alta West Capital
#810 – 10201 Southport Road SW, Calgary, AB T2W 4X9 Owner contact email: info@awcapital.ca FULL POLICY Owner and Data Controller Alta West Capital
#810 – 10201 Southport Road SW, Calgary, AB T2W 4X9 Owner contact email: info@awcapital.ca Collection, Use and Disclosure of Personal Information Alta West Capital will try to collect personal information directly from you or our appointed agent. We may also collect personal information from publicly available sources. We will only collect personal information necessary for the purposes stated in the section titled “The Need for Personal Information.” Such information may be shared with third parties to facilitate your transaction. Your Consent By submitting your information to Alta West Capital, you have consented to our collection, use, and disclosure of personal information to the extent necessary to provide financial products. You also have consented to our sharing such information with third-party service providers that assist us in providing the financial offering (See “Collection and Disclosure of Personal Information” above). You may withdraw your consent for the use and/or disclosure of personal information at any time by contacting a representative at Alta West Capital and specifying the personal information you no longer wish for Alta West Capital to use or disclose. However, this request is subject to legal or contractual restrictions and reasonable notice. Notwithstanding the above, your consent is not required where there is a legitimate interest in retaining the information that outweighs any potential adverse in doing so without your consent and: You would reasonably expect the collection or use of the information for that purpose; and The personal information is not collected or used to influence your behaviour or decisions. When using this exception, we will identify and document any potential adverse effects and take reasonable measures to reduce or mitigate those. A legitimate interest would include using the information to provide a requested financial product or service, undertaking due diligence to prevent or manage commercial risk, or, for security and safety purposes, where obtaining consent would be impracticable. Requests for Access to Personal Information Subject to the terms of the Act, you may submit in writing a request for: a record of your personal information under our custody or control; the purpose for which such personal information is being used by us; and the names of persons to whom your information may be disclosed and the circumstances under which this will occur. Alta West Capital will respond to such requests in the time allowed under the Act, and will make a reasonable effort to respond as accurately and completely as possible. Requests may be subject to certain fees in accordance with the provisions of the Act. Your ability to access your personal information is not absolute. The Act provides that we must not disclose personal information where: disclosure could reasonably be expected to threaten the safety or physical or mental health of another individual; the disclosure would reveal personal information about another individual, and their consent is not obtained; or the disclosure would reveal the identity of an individual who has, in confidence, provided Alta West Capital with information or an opinion and they do not want disclosure of their identity. The Act further provides that Alta West Capital may choose not to disclose personal information where: the personal information is protected by any legal privilege; the disclosure of the information would reveal confidential commercial information, and it is not unreasonable to withhold that information the personal information was collected by Alta West Capital for an investigation or legal proceeding; the disclosure of the personal information might result in similar information no longer being provided to Alta West Capital when it is reasonable that it would be provided; the personal information was collected or created by a mediator or arbitrator in the conduct of a mediation or arbitration for which he or she was appointed to act under an agreement, under an enactment, or by a court; or the personal information relates to or may be used in the exercise of prosecutorial discretion. The above examples are not exhaustive, and you are encouraged to examine the provisions of the Act for a complete list. Requests for Correction of Personal Information You may also submit a written request to correct errors or omissions in your personal information, which is under our control. When provided with a written request, Alta West Capital may either: correct personal information and, if reasonable to do so, send correction notifications to any other service provider to whom we previously disclosed such information or decide not to correct the personal information but annotate the personal information that a correction was requested but not made. Requests to Dispose or Transfer Personal Information You also have the right to ask that your personal information be disposed of or transferred to another service provider in a prescribed form. However, such requests must be in writing. If we receive a written request for the disposal of personal information, we may refuse the request if: Disposal would cause personal information about another individual that is not severable (e.g. joint account), also being disposed; The information is necessary for the expected ongoing provision of a financial offerings to the individual (unless the information is in relation to a minor) There are valid legal or contractual reasons to retain the information such as our obligation under anti-money laundering regulations to maintain client information for certain minimum time periods; The information is necessary for the establishment of a legal defense or in the exercise of other legal remedies by us; or The request is vexatious or made in bad faith. In such cases, you will receive a written notification explaining the reasons for the refusal and any recourse you may have. Personal Information and Marketing Material If you are a client at Alta West Capital, you may receive marketing material from us via email from time to time regarding Alta West Capital products and services. Emails will allow you to opt out of such correspondence if you choose. Privacy Policy #### Resources Not Your Average Mortgage BlogBuilding hope, passing knowledge and inspiring others. Keep coming back for relevant news and stories that affect investors, brokers and borrowers alikeThe Modern Alternative PodcastThe Modern Alternative highlights opportunities which can enable you to navigate through the mortgage and investment industry with greater ease. Explore unique challenges with us and learn various, dynamic approaches for new and tenured industry professionals. The Modern Alternative PodcastThe Modern Alternative highlights opportunities which can enable you to navigate through the mortgage and investment industry with greater ease. Explore unique challenges with us and learn various, dynamic approaches for new and tenured industry professionals. Episode 10: Sadiq Boodoo: The balance between running a brokerage and educating brokers Aurelien2023-07-29T11:02:49-06:0026 April 2023|0 Comments The AI Advantage in Mortgage Lending The AI Advantage in Mortgage LendingHilda Paralejas2026-01-30T10:01:34-07:00Read More Blogs for Better Borrowers A smarter borrower is a better borrower. Get the expert advice you need to make informed financial decisions, learn about how others are calculating financial success, and feel confident about what’s happening in today’s market. Search for: The AI Advantage in Mortgage Lending The AI Advantage in Mortgage LendingHilda Paralejas2026-01-30T10:01:34-07:00Read More Blogs for Better Borrowers A smarter borrower is a better borrower. Get the expert advice you need to make informed financial decisions, learn about how others are calculating financial success, and feel confident about what’s happening in today’s market. Search for: The AI Advantage in Mortgage Lending The AI Advantage in Mortgage LendingHilda Paralejas2026-01-30T10:01:34-07:00Read More Blogs for Better Borrowers A smarter borrower is a better borrower. Get the expert advice you need to make informed financial decisions, learn about how others are calculating financial success, and feel confident about what’s happening in today’s market. Search for: AllAWC NewsEl SalvadorInvestingMortgagePodcastsThe Summit Newsletter The AI Advantage in Mortgage LendingRead more When Aggressive Returns Blow Up in Your Face, Slow and Steady Wins the RaceRead more Alta West Capital Acquires Premiere Home MortgageRead more Consistency is PricelessRead more Business as Usual. And Better Than Ever.Read more Committed To Excellence: We’re Here To Serve You BetterRead more Setting the MIC Standard: Alta West CapitalRead more Considering a MIC? Here Are Some Things to Look ForRead more Why Mortgage Investment Corporation (MIC) Makes SenseRead more 12NextLoad More Posts #### Sitemap Pages About Us Apply For A Mortgage Apply For An Investment Borrowers Broker Forms Broker Loyalty Program Contact Cookie Policy Disclaimers Flexline HELOC Forms Home Invest with AWC Investment Products Investor Newsletter Mortgage Calculator Mortgage Products Privacy Policy Resources Team #### Team Meet The People Who Make It HappenAt Every Turn, Our Team Provides Dedicated Assistance to Ensure Successful ProgressWith more than three decades of experience in providing swift solutions through alternative lending, you can rest assured that dependable answers are here when you need them. We pride ourselves on our client satisfaction and our streamlined process ensures a direct path to your success. Apply now for alternative lending options that work for you. Connect With Our TeamLeadershipGet to know the driving force behind our organization; a talented group of individuals who work hard every day to make sure that everything runs smoothly. We are proud of their expertise and commitment, which is ultimately what enables us to succeed. Charles McKitrickExecutive ChairmanGeorge BotrosChief Executive OfficerDavid BarerChief Financial OfficerCharles McKitrickExecutive ChairmanGeorge BotrosChief Executive OfficerJared MorrisonBroker of RecordCharles McKitrickExecutive ChairmanGeorge BotrosChief Executive OfficerJared MorrisonBroker of RecordWendy McKenna Chief Compliance Officer & Head of Investor Relations Brent ShawChief Risk OfficerArmando DiseriChief Sales OfficerSue McKitrickSenior Strategy OfficerJared MorrisonBroker of RecordWendy McKenna Chief Compliance Officer & Head of Investor Relations Brent ShawChief Risk OfficerArmando DiseriChief Sales OfficerSue McKitrickSenior Strategy OfficerDavid BarerChief Financial OfficerWendy McKenna Chief Compliance Officer & Head of Investor Relations Brent ShawChief Risk OfficerArmando DiseriChief Sales OfficerSue McKitrickSenior Strategy OfficerDavid BarerChief Financial OfficerBusiness DevelopmentNatalie EchlinBusiness Development Manager, South Western Ontarionatalie@awcapital.ca647.705.9480Lundon ClarkBusiness Development Manager, North Eastern Ontariolundon@awcapital.ca437.448.9465Donna MorrisonBusiness Development Manager, British Columbiadonna@awcapital.ca604.358.3374Chris O'SullivanBusiness Development Manager, Albertachris@awcapital.ca403.928.5436Eli McKitrickInside Sales Representativeeli@awcapital.ca403.827.3558Natalie EchlinBusiness Development Manager, South Western Ontarionatalie@awcapital.ca647.705.9480Lundon ClarkBusiness Development Manager, North Eastern Ontariolundon@awcapital.ca437.448.9465Donna MorrisonBusiness Development Manager, British Columbiadonna@awcapital.ca604.358.3374Chris O'SullivanBusiness Development Manager, Albertachris@awcapital.ca403.928.5436Eli McKitrickInside Sales Representativeeli@awcapital.ca403.827.3558Natalie EchlinBusiness Development Manager, South Western Ontarionatalie@awcapital.ca647.705.9480Lundon ClarkBusiness Development Manager, North Eastern Ontariolundon@awcapital.ca437.448.9465Donna MorrisonBusiness Development Manager, British Columbiadonna@awcapital.ca604.358.3374Chris O'SullivanBusiness Development Manager,  ABchris@awcapital.ca403.928.5436Eli McKitrickInside Sales Representativeeli@awcapital.ca403.827.3558Industry AssociationsDiscover the benefits of working with a trusted lender like Alta West Capital. We understand that financial freedom is a journey. Our commitment to lifelong learning and improvement means we’re dedicated to delivering the best results for our clients. Working with us means having access to top-notch resources; allowing you an opportunity at achieving lasting success! Get In Touch With Us ### Media #### (No Title) URL: https://awcapital.ca/flexline-heloc-forms/businesswoman-checking-reported-profits-on-the-paper-and-laptop/ #### (No Title) URL: https://awcapital.ca/mortgage-refinancing-debt-consolidation/happy-debt-free-woman-holding-a-credit-card-cut-in-two-pieces/ #### (No Title) URL: https://awcapital.ca/4-ways-improve-credit-score/lawyer-and-advice-for-couple/ #### (No Title) URL: https://awcapital.ca/4-ways-improve-credit-score/serious-business-problems/ #### _Flex-1st-Mortgage-V2-05162023.pdf (4) URL: https://awcapital.ca/_flex-1st-mortgage-v2-05162023-pdf-4/ #### "Arts of the West" URL: https://awcapital.ca/arts-of-the-west/ #### 034416 URL: https://awcapital.ca/?attachment_id=7586 #### 125402077-partial-view-of-customer-reading-loan-agreement-and-businesswoman-using-calculator-while-sitting-at URL: https://awcapital.ca/125402077-partial-view-of-customer-reading-loan-agreement-and-businesswoman-using-calculator-while-sitting-at/ #### 165 URL: 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URL: https://awcapital.ca/what-you-need-to-know-about-mortgage-renewal/are-you-ready/ #### Armando Diseri URL: https://awcapital.ca/armando-diseri_white-bg_final-removebg-preview/ #### arrow-condense URL: https://awcapital.ca/arrow-condense/ #### arrow-up-right-2 URL: https://awcapital.ca/arrow-up-right-2/ #### arrows-cross URL: https://awcapital.ca/arrows-cross/ #### arrows-cross-2 URL: https://awcapital.ca/arrows-cross-2/ #### Attachment-4 URL: https://awcapital.ca/home/attachment-4-2/ #### Authorized Lending Areas V3 05162023 URL: https://awcapital.ca/authorized-lending-areas-v3-05162023/ #### Authorized Lending Areas_Apr2024 URL: https://awcapital.ca/authorized-lending-areas_apr2024/ #### Authorized Lending Areas_Aug2024 URL: https://awcapital.ca/authorized-lending-areas_aug2024/ #### Authorized Lending Areas_Dec2024 URL: https://awcapital.ca/authorized-lending-areas_dec2024/ #### Authorized Lending Areas_July2025 URL: https://awcapital.ca/authorized-lending-areas_july2025/ #### Authorized Lending Areas_June2025 URL: https://awcapital.ca/authorized-lending-areas_june2025/ #### Authorized Lending Areas_Mar2025 URL: https://awcapital.ca/authorized-lending-areas_mar2025/ #### Authorized Lending Areas_May2025 URL: https://awcapital.ca/authorized-lending-areas_may2025/ #### Authorized Lending Areas_Nov2024 URL: https://awcapital.ca/authorized-lending-areas_nov2024/ #### Authorized Lending Areas_Nov2025 URL: https://awcapital.ca/authorized-lending-areas_nov2025/ #### Authorized Lending Areas_Oct2024 URL: https://awcapital.ca/authorized-lending-areas_oct2024/ #### Authorized Lending Areas_Sept2025 URL: https://awcapital.ca/authorized-lending-areas_sept2025/ #### Authorized-Lending-Areas-06272023 URL: https://awcapital.ca/authorized-lending-areas-06272023/ #### AWC Announces Acquisition of Premiere Home Mortgage Ltd. URL: https://awcapital.ca/awc-announces-acquisition-of-premiere-home-mortgage-ltd/ #### AWC DIV MIC_FINAL-02102023 URL: https://awcapital.ca/awc-div-mic_final-02102023/ #### AWC First Place MIC_FINAL-02102023 URL: https://awcapital.ca/awc-first-place-mic_final-02102023/ #### AWC Header Image Homepage URL: https://awcapital.ca/awc-header-image-homepage/ #### AWC IIF ENTITY - 2025_fillable URL: https://awcapital.ca/awc-iif-entity-2025_fillable/ #### AWC IIF INDIVIDUAL - 2025_fillable URL: https://awcapital.ca/awc-iif-individual-2025_fillable/ #### AWC IIF INDIVIDUAL 2022 (1) URL: https://awcapital.ca/awc-iif-individual-2022-1/ #### AWC Investor Deck - Toronto Event May 7th URL: https://awcapital.ca/awc-investor-deck-toronto-event-may-7th/ #### AWC Logo_tagline URL: https://awcapital.ca/awc-logo_tagline/ #### AWC MIC Graphic URL: https://awcapital.ca/awc-mic-graphic/ #### AWC MIC Graphic URL: https://awcapital.ca/awc-mic-graphic-2/ #### AWC SIF-Brochure Series 13 URL: https://awcapital.ca/awc-sif-brochure-series-13/ #### AWC Strategic Income Fund Ltd. URL: https://awcapital.ca/businesswoman-laptop-successful-woman-business-person-outdoor-co/ #### AWC_AboutUs_Video2025 URL: https://awcapital.ca/?attachment_id=31868 #### AWC_AboutUsPgBanner URL: https://awcapital.ca/?attachment_id=31879 #### AWC_Approved_Appraisers_v1-050423 URL: https://awcapital.ca/awc_approved_appraisers_v1-050423/ #### AWC_Approved_Appraisers_v3-0927-2022 URL: https://awcapital.ca/awc_approved_appraisers_v3-0927-2022/ #### AWC_AWMDiversifiedMIC_Brochure_Apr2024_Final URL: https://awcapital.ca/awc_awmdiversifiedmic_brochure_apr2024_final-2/ #### AWC_AWMDiversifiedMIC_Brochure_Apr2024_Final2 URL: https://awcapital.ca/awc_awmdiversifiedmic_brochure_apr2024_final/ #### AWC_AWMDiversifiedMIC_Brochure_Apr2025 URL: https://awcapital.ca/awc_awmdiversifiedmic_brochure_apr2025/ #### AWC_AWMDiversifiedMIC_Brochure_Jan2025 URL: https://awcapital.ca/awc_awmdiversifiedmic_brochure_jan2025/ #### AWC_AWMDiversifiedMIC_Brochure_July2024 URL: https://awcapital.ca/awc_awmdiversifiedmic_brochure_july2024/ #### AWC_AWMDiversifiedMIC_Brochure_July2025 URL: https://awcapital.ca/awc_awmdiversifiedmic_brochure_july2025/ #### AWC_AWMDiversifiedMIC_Brochure_May2025 URL: https://awcapital.ca/awc_awmdiversifiedmic_brochure_may2025/ #### AWC_AWMDiversifiedMIC_Brochure_Oct2023_Final AWC_ Diversified MIC brochure #### AWC_AWMDiversifiedMIC_Brochure_Oct2024 URL: https://awcapital.ca/awc_awmdiversifiedmic_brochure_oct2024/ #### AWC_AWMDiversifiedMIC_Brochure_Oct2025 URL: https://awcapital.ca/awc_awmdiversifiedmic_brochure_oct2025/ #### AWC_Broker_Loyalty_v2-0611-2023 URL: https://awcapital.ca/awc_broker_loyalty_v2-0611-2023/ #### AWC_DIVMIC_brocure_July2023_Final URL: https://awcapital.ca/awc_divmic_brocure_july2023_final/ #### AWC_Express1st_v1-040523 URL: https://awcapital.ca/awc_express1st_v1-040523/ #### AWC_Express1st_v1-060523 URL: https://awcapital.ca/awc_express1st_v1-060523/ #### AWC_FirstPlaceMIC_Brochure_Apr2024_Final URL: https://awcapital.ca/awc_firstplacemic_brochure_apr2024_final/ #### AWC_FirstPlaceMIC_Brochure_Apr2025 URL: https://awcapital.ca/awc_firstplacemic_brochure_apr2025/ #### AWC_FirstPlaceMIC_Brochure_Feb2024 Alta West Capital First Place MIC #### AWC_FirstPlaceMIC_Brochure_Jan2025 URL: https://awcapital.ca/awc_firstplacemic_brochure_jan2025/ #### AWC_FirstPlaceMIC_Brochure_July2024 URL: https://awcapital.ca/awc_firstplacemic_brochure_july2024/ #### AWC_FirstPlaceMIC_Brochure_July2025 URL: https://awcapital.ca/awc_firstplacemic_brochure_july2025/ #### AWC_FirstPlaceMIC_Brochure_May2025 URL: https://awcapital.ca/awc_firstplacemic_brochure_may2025/ #### AWC_FirstPlaceMIC_Brochure_Oct2023_Final AWC First Place MIC Brochure #### AWC_FirstPlaceMIC_Brochure_Oct2024 URL: https://awcapital.ca/awc_firstplacemic_brochure_oct2024/ #### AWC_FirstPlaceMIC_Brochure_Oct2025 URL: https://awcapital.ca/awc_firstplacemic_brochure_oct2025/ #### AWC_Flex1st_v1-040423 URL: https://awcapital.ca/awc_flex1st_v1-040423/ #### AWC_Flex1st_v1-060523 URL: https://awcapital.ca/awc_flex1st_v1-060523/ #### AWC_Flex2nd_v1-040523 URL: https://awcapital.ca/awc_flex2nd_v1-040523/ #### AWC_FlexMulti-Residential_050623 URL: https://awcapital.ca/awc_flexmulti-residential_050623/ #### AWC_FlexMulti-Residential_050623 URL: https://awcapital.ca/mortgage-products/awc_flexmulti-residential_050623-2/ #### AWC_FPMIC_brochure_July2023_Final URL: https://awcapital.ca/awc_fpmic_brochure_july2023_final/ #### AWC_LendingAreas_v1-050423 URL: https://awcapital.ca/awc_lendingareas_v1-050423/ #### AWC_LendingAreas_v3-091422 URL: https://awcapital.ca/awc_lendingareas_v3-091422/ #### AWC_logo_rev URL: https://awcapital.ca/awc_logo_rev/ #### AWC_logo_rev URL: https://awcapital.ca/awc_logo_rev-2/ #### AWC_logo_rev_black URL: https://awcapital.ca/awc_logo_rev_black/ #### AWC_logo_rev_black30 URL: https://awcapital.ca/awc_logo_rev_black30/ #### AWC_logo_rgb URL: https://awcapital.ca/awc_logo_rgb/ #### AWC_logo_white URL: https://awcapital.ca/awc_logo_white/ #### AWC_logo_white1 URL: https://awcapital.ca/awc_logo_white1/ #### AWC_RRIF Pamphlet_Aug2024 URL: https://awcapital.ca/awc_rrif-pamphlet_aug2024/ #### AWC_SIF Brochure_v10-071422 URL: https://awcapital.ca/awc_sif-brochure_v10-071422/ #### AWC_The Summit_Handout Deck URL: https://awcapital.ca/awc_the-summit_handout-deck/ #### AWC_UnderwritingPricingSummary_v1-040423 URL: https://awcapital.ca/awc_underwritingpricingsummary_v1-040423/ #### AWC_UnderwritingPricingSummary_v1-040423 URL: https://awcapital.ca/awc_underwritingpricingsummary_v1-040423-2/ #### AWC_UnderwritingPricingSummary_v1-050623 URL: https://awcapital.ca/awc_underwritingpricingsummary_v1-050623/ #### AWC-Business-Ownership-Declaration-Form URL: https://awcapital.ca/awc-business-ownership-declaration-form/ #### AWC-DIV-MIC-2022_v6-072222 URL: https://awcapital.ca/awc-div-mic-2022_v6-072222/ #### AWC-First-Place-MIC-2022_v6-072222 URL: https://awcapital.ca/awc-first-place-mic-2022_v6-072222/ #### AWC-Gift-Letter URL: https://awcapital.ca/awc-gift-letter/ #### AWC-Info-Consent-Form-1 URL: https://awcapital.ca/awc-info-consent-form-1/ #### AWC-Net-Income-Calculation-Form URL: https://awcapital.ca/awc-net-income-calculation-form/ #### AWC-Rental-Property-Form URL: https://awcapital.ca/awc-rental-property-form/ #### AWM Diversified MIC | Alta West Capital URL: https://awcapital.ca/169798336_l_normal_none/ #### AWM Diversified MIC Brochure - March 31, 2023 URL: https://awcapital.ca/awm-diversified-mic-brochure-march-31-2023/ #### AWM_MOF_Brochure_July2025 URL: https://awcapital.ca/awm_mof_brochure_july2025/ #### AWMDiversifiedMIC_Brochure_Feb2024 Alta West Capital AWM Diversified MIC brochure #### Ayala Family URL: https://awcapital.ca/elsalvador_ayala_12-2020b/ #### Ayala Family and Wendy the Interpreter URL: https://awcapital.ca/elsalvador_ayala_12-2020a/ #### Ayala family construction of new home URL: https://awcapital.ca/new-home-new-beginnings/ayala_construction_02-02-2021/ #### Ayala family construction of new home URL: https://awcapital.ca/new-home-new-beginnings/ayala_construction_02-02-2021c/ #### Ayala family construction of new home URL: https://awcapital.ca/new-home-new-beginnings/ayala_construction_02-02-2021e/ #### Ayala family construction of new home URL: https://awcapital.ca/new-home-new-beginnings/ayala_construction_02-02-2021b/ #### Ayala family key ceremony URL: https://awcapital.ca/new-home-new-beginnings/ayala_key_02-02-2021/ #### Ayala Family Son Smiling URL: https://awcapital.ca/elsalvador_ayala_12-2020/ #### Backgrounds Photos URL: https://awcapital.ca/?attachment_id=7271 #### Beautiful new contempory suburban attached townhomes in a Canadian neighborhood. URL: https://awcapital.ca/beautiful-new-contempory-suburban-attached-townhomes-in-a-canadian-neighborhood/ #### Benjamin Franklin with empty board URL: https://awcapital.ca/?attachment_id=7276 #### BENJAMIN_FRANKLIN URL: https://awcapital.ca/?attachment_id=7533 #### bg-3 URL: https://awcapital.ca/bg-3/ #### Boost your business concept. Successful businessman choosing to increase profit URL: https://awcapital.ca/boost-your-business-concept-successful-businessman-choosing-to-increase-profit/ #### Borrower_Income_Declaration_PartA URL: https://awcapital.ca/borrower_income_declaration_parta/ #### Borrower_Income_Declaration_PartB URL: https://awcapital.ca/borrower_income_declaration_partb/ #### box-open URL: https://awcapital.ca/box-open/ #### Brent Shaw URL: https://awcapital.ca/brent-shaw_white-bg-removebg-preview/ #### Brent Shaw URL: https://awcapital.ca/brent-shaw_white-bg-removebg-preview-2/ #### Broker Forms | Alta West Capital URL: https://awcapital.ca/attachment-3/ #### Broker Loyalty Program | Alta West Capital URL: https://awcapital.ca/diverse-business-partners-handshake-at-casual-meeting/ #### Broker Loyalty Program | Alta West Capital URL: https://awcapital.ca/a-group-of-businesspeople-having-briefing-about-economy-in-meeti/ #### Broker Loyalty Program V2 05162023 URL: https://awcapital.ca/broker-loyalty-program-v2-05162023/ #### Broker Loyalty Program_July2024 Alta West Capital Broker Loyalty Program #### Broker Loyalty Program_July2024 URL: https://awcapital.ca/broker-loyalty-program_july2024-2/ #### Broker Loyalty Program_July2025 URL: https://awcapital.ca/broker-loyalty-program_july2025/ #### Broker Loyalty Program_June2025 URL: https://awcapital.ca/broker-loyalty-program_june2025/ #### Broker Loyalty Program_Sept2025 URL: https://awcapital.ca/broker-loyalty-program_sept2025/ #### Broker-Loyalty-Program-06272023 URL: https://awcapital.ca/broker-loyalty-program-06272023/ #### Brokers Who Want To Offer More URL: https://awcapital.ca/attachment-2/ #### BrokerTestimonial_Khider URL: https://awcapital.ca/when-aggressive-returns-blow-up-in-your-face-slow-and-steady-wins-the-race/brokertestimonial_khider/ #### Bryce_WebTestimonial URL: https://awcapital.ca/when-aggressive-returns-blow-up-in-your-face-slow-and-steady-wins-the-race/bryce_webtestimonial/ #### Building Flore Tenonio family's new home URL: https://awcapital.ca/new-home-new-beginnings/floretenonio_construction_02-02-2021b/ #### Business Finance, accounting, contract, advisor investment consulting marketing plan for the company with using tablet and computer technology in analysis. URL: https://awcapital.ca/it-it-smart-to-get-home-renovation-loan/business-finance-accounting-contract-advisor-investment-consulting-marketing-plan-for-the-company-with-using-tablet-and-computer-technology-in-analysis/ #### business-time URL: https://awcapital.ca/business-time/ #### business-time URL: https://awcapital.ca/business-time-2/ #### Canadian Flag URL: https://awcapital.ca/covid-19-federal-and-provincial-support/hermes-rivera-ahhn48-zkwo-unsplash/ #### Catallus URL: https://awcapital.ca/?attachment_id=7652 #### catullus URL: https://awcapital.ca/?attachment_id=7654 #### Charles McKitrick URL: https://awcapital.ca/chuck-mckitrick_white-bg_final_2-removebg-preview1/ #### chart-line-up URL: https://awcapital.ca/chart-line-up/ #### chart-line-up URL: https://awcapital.ca/chart-line-up-2/ #### chart-network URL: https://awcapital.ca/chart-network/ #### Chris O'Sullivan_Website URL: https://awcapital.ca/chris-osullivan_website/ #### circle-exclamation URL: https://awcapital.ca/circle-exclamation/ #### circle-exclamation URL: https://awcapital.ca/circle-exclamation-2/ #### circle-phone URL: https://awcapital.ca/circle-phone/ #### circle-question URL: https://awcapital.ca/circle-question/ #### clock-rotate-left URL: https://awcapital.ca/clock-rotate-left/ #### clock-rotate-left-2 URL: https://awcapital.ca/clock-rotate-left-2/ #### CMBA_logo-BC URL: https://awcapital.ca/cmba_logo-bc/ #### CMBA_logo-BC URL: https://awcapital.ca/cmba_logo-bc-2/ #### CMBA-ontario-logo URL: https://awcapital.ca/cmba-ontario-logo-2/ #### CMBA-ontario-logo URL: https://awcapital.ca/cmba-ontario-logo/ #### coins URL: https://awcapital.ca/coins/ #### collage URL: https://awcapital.ca/?attachment_id=7578 #### Computer Tablet Showing Finished Kitchen On House Plans, Pencil, URL: https://awcapital.ca/what-to-consider-when-applying-for-home-renovation-loans/computer-tablet-showing-finished-kitchen-on-house-plans-pencil/ #### Construction of the Flore Tenonio home URL: https://awcapital.ca/new-home-new-beginnings/floretenonio_construction_02-02-2021f/ #### Contact | Alta West Capital URL: https://awcapital.ca/middle-age-couple-traveling-on-sailboat-with-a-happy-face-standing-and-smiling-with-a-confident-smile-showing-teeth/ #### CREDIT SCORE CONCEPT URL: https://awcapital.ca/4-ways-improve-credit-score/credit-score-concept/ #### credit-card URL: https://awcapital.ca/credit-card/ #### cubes URL: https://awcapital.ca/cubes/ #### Cultivating Financial Success In Others Through Education, Opportunity, And Capital URL: https://awcapital.ca/happy-family-mother-father-children-son-and-daughter-on-sunset/ #### Customer Service is Our Priority | Alta West Capital URL: https://awcapital.ca/portrait-of-happy-smiling-financial-accountant-sitting-at-office-desk-with-computer/ #### David Barer URL: https://awcapital.ca/david-barer-circular-headshot-2-removebg-preview/ #### David.B._headshot_webs David Barer, CFO, Alta West Capital #### day 1 URL: https://awcapital.ca/we-are-off/day-1/ #### day 1 banner URL: https://awcapital.ca/we-are-off/day-1-banner/ #### day4 URL: https://awcapital.ca/day4/ #### day4(1) URL: https://awcapital.ca/day41/ #### Death of Socrates URL: https://awcapital.ca/?attachment_id=6976 #### Debt Consolidation URL: https://awcapital.ca/a-young-promising-man-in-casual-clothes-sits-at-a-table-and-work/ #### Dollar Sign Disolve URL: https://awcapital.ca/how-bankruptcy-will-affect-your-mortgage-renewal/dollar-sign-disolve/ #### Donna Morrison_Website URL: https://awcapital.ca/donna-morrison_website/ #### download URL: https://awcapital.ca/download/ #### Dream Home, Luxury House, Success URL: https://awcapital.ca/5-mistakes-to-avoid-for-your-second-home-mortgage/dream-home-luxury-house-success/ #### Dream Home, Luxury House, Success URL: https://awcapital.ca/5-mistakes-to-avoid-for-your-second-home-mortgage/dream-home-luxury-house-success-2/ #### e432dedf-4da6-478c-91b5-dd438c961a50 URL: https://awcapital.ca/?attachment_id=7524 #### ecstatic homeowners URL: https://awcapital.ca/how-to-get-apprived-for-a-first-time-home-buyer-mortgage/ecstatic-homeowners/ #### El Salvador2025Recap URL: https://awcapital.ca/when-aggressive-returns-blow-up-in-your-face-slow-and-steady-wins-the-race/el-salvador2025recap/ #### el-salvador-project URL: https://awcapital.ca/el-salvador-project-sparks-amazing-outpour-of-support-donations/el-salvador-project/ #### EliMcKitrick_WebHeadShot URL: https://awcapital.ca/team/elimckitrick_webheadshot/ #### ElSalblog2 URL: https://awcapital.ca/we-are-off/elsalblog2/ #### ElSalblog2.2 URL: https://awcapital.ca/we-are-off/elsalblog2-2/ #### ElSalblog2.3 URL: https://awcapital.ca/we-are-off/elsalblog2-3/ #### ElSalblog3 URL: https://awcapital.ca/we-are-off/elsalblog3/ #### Elsalblog3.1 URL: https://awcapital.ca/we-are-off/elsalblog3-1/ #### elsalblog3.2 URL: https://awcapital.ca/we-are-off/elsalblog3-2/ #### elsalblog3.3 URL: https://awcapital.ca/we-are-off/elsalblog3-3/ #### ELSalblog5 URL: https://awcapital.ca/elsalblog5/ #### ElSalblog5.1 URL: https://awcapital.ca/elsalblog5-1/ #### ElSalblog5.2 URL: https://awcapital.ca/elsalblog5-2/ #### ElSalvador_Granado_12-2020 URL: https://awcapital.ca/elsalvador_granado_12-2020/ #### EmailDrip_image1 URL: https://awcapital.ca/alternative-fixed-income-investments/emaildrip_image1/ #### EmailDrip_image2 URL: https://awcapital.ca/why-mortgage-investment-corporation-mic-make-sense/emaildrip_image2/ #### EmailDrip_image3 URL: https://awcapital.ca/considering-a-mic-here-are-some-things-to-look-for/emaildrip_image3/ #### EmailDrip_image4 URL: https://awcapital.ca/setting-the-mic-standard-alta-west-capital/emaildrip_image4/ #### EmailDrip_image5 URL: https://awcapital.ca/committed-to-excellence-here-to-serve-you-better/emaildrip_image5/ #### Examined-Life URL: https://awcapital.ca/?attachment_id=7392 #### Exclusivity-Agreement-Form-1 URL: https://awcapital.ca/exclusivity-agreement-form-1/ #### Express 1st mortgage V1 05162023 URL: https://awcapital.ca/express-1st-mortgage-v1-05162023/ #### Express First Mortgage_Aug2024 URL: https://awcapital.ca/express-first-mortgage_aug2024/ #### Express First Mortgage_Dec2024 URL: https://awcapital.ca/express-first-mortgage_dec2024/ #### Express First Mortgage_Feb2025 URL: https://awcapital.ca/express-first-mortgage_feb2025/ #### Express First Mortgage_Jan2025 URL: https://awcapital.ca/express-first-mortgage_jan2025/ #### Express First Mortgage_July2024 Alta West Capital Express First Mortgage Product Sheet #### Express First Mortgage_July2025 URL: https://awcapital.ca/express-first-mortgage_july2025/ #### Express First Mortgage_June2025 URL: https://awcapital.ca/express-first-mortgage_june2025/ #### Express First Mortgage_Mar2025 URL: https://awcapital.ca/express-first-mortgage_mar2025/ #### Express First Mortgage_May2025 URL: https://awcapital.ca/express-first-mortgage_may2025/ #### Express First Mortgage_Nov2024 URL: https://awcapital.ca/express-first-mortgage_nov2024/ #### Express First Mortgage_Nov2025 URL: https://awcapital.ca/express-first-mortgage_nov2025/ #### Express First Mortgage_Oct2024 URL: https://awcapital.ca/express-first-mortgage_oct2024/ #### Express First Mortgage_Oct2025 URL: https://awcapital.ca/express-first-mortgage_oct2025/ #### Express First Mortgage_PROMOUpdate_Apr2024 URL: https://awcapital.ca/express-first-mortgage_promoupdate_apr2024/ #### Express First Mortgage_PROMOUpdate_May2024 URL: https://awcapital.ca/express-first-mortgage_promoupdate_may2024/ #### Express First Mortgage_Sept2024 URL: https://awcapital.ca/express-first-mortgage_sept2024/ #### Express First Mortgage_Sept2025 URL: https://awcapital.ca/express-first-mortgage_sept2025/ #### Express First Mortgage_update_Sept2023_Final URL: https://awcapital.ca/express-first-mortgage_update_sept2023_final/ #### Express First MortgageRENTAL_Jan2026 URL: https://awcapital.ca/express-first-mortgagerental_jan2026/ #### Express First MortgageRENTAL_Nov2025 URL: https://awcapital.ca/express-first-mortgagerental_nov2025/ #### Express First MortgageRENTAL_Oct2025 URL: https://awcapital.ca/express-first-mortgagerental_oct2025/ #### Express_First_Mortgage_update_Sept2023 Alta West Capital Express First Mortgage, September 2023 #### Express-First-Mortgage_July2024 URL: https://awcapital.ca/express-first-mortgage_july2024-2/ #### Express-First-Mortgage_July2024 URL: https://awcapital.ca/express-first-mortgage_july2024-3/ #### ExpressFirstMortgage-06162023 URL: https://awcapital.ca/expressfirstmortgage-06162023-2-copy/ #### ExpressFirstMortgage-06272023 URL: https://awcapital.ca/expressfirstmortgage-06272023/ #### ExpressFirstMortgage-07142023 URL: https://awcapital.ca/expressfirstmortgage-07142023/ #### ExpressMtg_Jan 17-2024_Revised Alta West Capital Express First Mortgage #### ExpressMtg_PROMO_Jan17-2024_Revised Alta West Capital Express Mortgage Promotion #### favicon URL: https://awcapital.ca/favicon/ #### file-signature URL: https://awcapital.ca/file-signature/ #### First Place MIC | Alta West Capital URL: https://awcapital.ca/153498762_l_normal_none/ #### First Place MIC | Alta West Capital URL: https://awcapital.ca/financial-analysts-analyze-business-financial-reports-on-a-digit/ #### First Place MIC Brochure - March 31, 2023 URL: https://awcapital.ca/first-place-mic-brochure-march-31-2023/ #### First-time home-buyer URL: https://awcapital.ca/attachment-4/ #### Flat lay composition with Microphone for podcasts and black stu URL: https://awcapital.ca/the-modern-alternative-episode-1/flat-lay-composition-with-microphone-for-podcasts-and-black-stu/ #### Flex 1st Mortgage 05262023 URL: https://awcapital.ca/flex-1st-mortgage-05262023/ #### Flex 1st Mortgage V2 05162023 URL: https://awcapital.ca/flex-1st-mortgage-v2-05162023/ #### Flex 1st Mortgage_Apr2025 URL: https://awcapital.ca/flex-1st-mortgage_apr2025/ #### Flex 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Capital Flex First Mortgage #### Flex 1st Mortgage_Update_Jan2024_final Alta West Capital Flex first mortgage rate sheet #### Flex 2nd Mortgage V2 05162023 URL: https://awcapital.ca/flex-2nd-mortgage-v2-05162023/ #### Flex 2nd Mortgage_Apr2025 URL: https://awcapital.ca/flex-2nd-mortgage_apr2025/ #### Flex 2nd Mortgage_Aug2024 URL: https://awcapital.ca/flex-2nd-mortgage_aug2024/ #### Flex 2nd Mortgage_Aug2025 URL: https://awcapital.ca/flex-2nd-mortgage_aug2025/ #### Flex 2nd Mortgage_Dec14_2023 URL: https://awcapital.ca/flex-2nd-mortgage_dec14_2023/ #### Flex 2nd Mortgage_Dec2024 URL: https://awcapital.ca/flex-2nd-mortgage_dec2024/ #### Flex 2nd Mortgage_Jan2025 URL: https://awcapital.ca/flex-2nd-mortgage_jan2025/ #### Flex 2nd Mortgage_July2024 URL: https://awcapital.ca/flex-2nd-mortgage_july2024/ #### Flex 2nd Mortgage_July2025 URL: https://awcapital.ca/flex-2nd-mortgage_july2025/ #### Flex 2nd Mortgage_Jun2024 URL: https://awcapital.ca/flex-2nd-mortgage_jun2024/ #### Flex 2nd 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Feb 28-2024 URL: https://awcapital.ca/flex-2nd-mortgage_update_-feb-28-2024/ #### Flex 2nd Mortgage_Update_ Jan2024_final Alta West Capital Flex second mortgage, rate sheet #### FLEX Bundle Solution (5) URL: https://awcapital.ca/flex-bundle-solution-5/ #### Flex2ndMortgage_ May17_2024 URL: https://awcapital.ca/flex2ndmortgage_-may17_2024/ #### FLEXFirstMortgage-06162023 URL: https://awcapital.ca/flexfirstmortgage-06162023-3-1/ #### FLEXFirstMortgage-06272023 URL: https://awcapital.ca/flexfirstmortgage-06272023/ #### FlexFirstMortgage-07142023 URL: https://awcapital.ca/flexfirstmortgage-07142023/ #### Flexline HELOC_Dec2024 URL: https://awcapital.ca/flexline-heloc_dec2024/ #### Flexline Heloc_July2024 URL: https://awcapital.ca/flexline-heloc_july2024/ #### FlexlineHeloc_Jan2025 URL: https://awcapital.ca/flexlineheloc_jan2025/ #### FlexlineHeloc_Jan2026 URL: https://awcapital.ca/flexlineheloc_jan2026/ #### FlexlineHeloc_July2025 URL: https://awcapital.ca/flexlineheloc_july2025/ #### FlexlineHeloc_June2025 URL: https://awcapital.ca/flexlineheloc_june2025/ #### FlexlineHeloc_Mar2025 URL: https://awcapital.ca/flexlineheloc_mar2025/ #### FlexlineHeloc_May2025 URL: https://awcapital.ca/flexlineheloc_may2025/ #### FlexlineHeloc_Nov2025 URL: https://awcapital.ca/flexlineheloc_nov2025/ #### FlexlineHeloc_Sept2025 URL: https://awcapital.ca/flexlineheloc_sept2025/ #### FLEXSecondMortgage-06162023 URL: https://awcapital.ca/flexsecondmortgage-06162023-4_4969_/ #### FLEXSecondMortgage-06272023 URL: https://awcapital.ca/flexsecondmortgage-06272023/ #### FlexSecondMortgage-07142023 URL: https://awcapital.ca/flexsecondmortgage-07142023/ #### Flore Martinez family virtual Key ceremony URL: https://awcapital.ca/new-home-new-beginnings/floremartinez_key_02-02-2021d/ #### Flore Martinez family's Key ceremony URL: https://awcapital.ca/new-home-new-beginnings/floremartinez_key_02-02-2021d-2/ #### Flore Martinez virtual key ceremony URL: 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Report #### Fundamental Research Report_2024 URL: https://awcapital.ca/fundamental-research-report_2024/ #### Fundamental Research Report_Oct2025 URL: https://awcapital.ca/fundamental-research-report_oct2025/ #### Gain access to your much needed funding with minimal effort URL: https://awcapital.ca/a-baby-girl-learning-first-steps-walk-with-mother-family-child/ #### George Botros URL: https://awcapital.ca/george-removebg-preview1/ #### Gonzales Mijango Family Home Before Building URL: https://awcapital.ca/elsalvador_gonzales_mijango_12-2020/ #### Gonzales Mijango Family with Alta West Capital URL: https://awcapital.ca/elsalvador_gonzales_mijango_12-2020a/ #### Gonzales Mijango virtual key ceremony URL: https://awcapital.ca/new-home-new-beginnings/gonzalesmijango_key_02-02-2021o/ #### Granado family key ceremony URL: https://awcapital.ca/new-home-new-beginnings/granado_key_02-02-2021o/ #### Granado family virtual key ceremony URL: https://awcapital.ca/new-home-new-beginnings/granado_key_02-02-2021m/ #### grip-lines-vertical URL: https://awcapital.ca/grip-lines-vertical/ #### grip-lines-vertical-2 URL: https://awcapital.ca/grip-lines-vertical-2/ #### Hand holding a bunch of brown bank notes URL: https://awcapital.ca/mortgage-refinancing-debt-consolidation/hand-holding-a-bunch-of-brown-bank-notes/ #### hands-holding-diamond URL: https://awcapital.ca/hands-holding-diamond/ #### handshake-simple URL: https://awcapital.ca/handshake-simple/ #### HELOC_ Loan Draw Request fillable form URL: https://awcapital.ca/heloc_-loan-draw-request-fillable-form/ #### HELOC_ Loan Repayment Request fillable form URL: https://awcapital.ca/heloc_-loan-repayment-request-fillable-form/ #### Herrera Granado Family URL: https://awcapital.ca/elsalvador_herrera_granado_12-2020/ #### Herrera Granado Family Home Completion URL: https://awcapital.ca/new-home-new-beginnings/herreragranado_construction_02-02-2021c/ #### Herrera Granado family key ceremony URL: https://awcapital.ca/new-home-new-beginnings/herreragranado_key_02-02-2021/ #### Herrera Granado Home Before Building URL: https://awcapital.ca/elsalvador_herrera_granado_12-2020a/ #### Herrera Granado Key ceremony URL: https://awcapital.ca/new-home-new-beginnings/herreragranado_key_02-02-2021a/ #### Home Improvement Mortgage URL: https://awcapital.ca/new-installed-wood-kitchen-cabinets-with-modern-decorative-stainless-steel/ #### home-renovation-loan URL: https://awcapital.ca/home-renovation-loans-101-what-you-need-to-know/home-renovation-loan/ #### house-blank URL: https://awcapital.ca/house-blank/ #### house-building URL: https://awcapital.ca/house-building/ #### house-chimney-window URL: https://awcapital.ca/house-chimney-window/ #### house-circle-check URL: https://awcapital.ca/house-circle-check/ #### How-to-Be-Silly-and-Laugh-with-Your-Kids-FB URL: https://awcapital.ca/?attachment_id=8088 #### icomoon URL: https://awcapital.ca/icomoon/ #### icons8-businessman-100 URL: https://awcapital.ca/icons8-businessman-100/ #### icons8-canadian-dollar-100 URL: https://awcapital.ca/icons8-canadian-dollar-100/ #### icons8-chart-100 URL: https://awcapital.ca/icons8-chart-100/ #### icons8-debt-100 URL: https://awcapital.ca/icons8-debt-100/ #### icons8-easy-100 URL: https://awcapital.ca/icons8-easy-100/ #### icons8-expand-influence-100 URL: https://awcapital.ca/icons8-expand-influence-100/ #### icons8-future-100 URL: https://awcapital.ca/icons8-future-100/ #### icons8-helping-hand-100 URL: https://awcapital.ca/icons8-helping-hand-100/ #### icons8-increase-100 URL: https://awcapital.ca/icons8-increase-100/ #### icons8-investment-100 URL: https://awcapital.ca/mortgage-products/icons8-investment-100/ #### icons8-mortgage-100 URL: https://awcapital.ca/icons8-mortgage-100/ #### icons8-mortgage-100 URL: https://awcapital.ca/icons8-mortgage-100-2/ #### icons8-mortgage-interest-100 URL: https://awcapital.ca/icons8-mortgage-interest-100/ #### icons8-paint-roller-100 URL: https://awcapital.ca/icons8-paint-roller-100-2/ #### icons8-rent-100 URL: https://awcapital.ca/icons8-rent-100/ #### icons8-salary-male-100 URL: https://awcapital.ca/icons8-salary-male-100/ #### icons8-shake-phone-100 URL: https://awcapital.ca/icons8-shake-phone-100/ #### icons8-signing-a-document-100 URL: https://awcapital.ca/icons8-signing-a-document-100/ #### icons8-skyscrapers-100 URL: https://awcapital.ca/icons8-skyscrapers-100/ #### icons8-time-to-pay-100 URL: https://awcapital.ca/icons8-time-to-pay-100/ #### image 1 (1) URL: https://awcapital.ca/image-1-1/ #### image 2 (1) URL: https://awcapital.ca/it-takes-a-community/image-2-1/ #### Image property of the Albright-Knox Art Gallery, Buffalo, NY. URL: https://awcapital.ca/image-property-of-the-albright-knox-art-gallery-buffalo-ny/ #### IMG_20191130_171907 URL: https://awcapital.ca/img_20191130_171907/ #### Interior framing of a new house under construction URL: https://awcapital.ca/5-benefits-of-getting-construction-loans/interior-framing-of-a-new-house-under-construction/ #### Invest via Education Savings Plan (RESP) URL: https://awcapital.ca/attachment-1-2/ #### Invest via Registered Retirement Savings Plan (RRSP/RRIF) URL: https://awcapital.ca/lifes-better-enjoyed-with-a-side-of-adventure/ #### Invest via Tax-Free Savings Plan (TFSA) URL: https://awcapital.ca/dedicated-female-student-of-asian-ethnicity-having-online-class-via-laptop-from-the-modern-cafeteria/ #### Invest with AWC | Alta West Capital URL: https://awcapital.ca/playful-senior-couple-having-fun-in-the-park/ #### Invest with AWC | Alta West Capital URL: https://awcapital.ca/asian-small-business-owner-working-at-home-office-business-reta/ #### Invest with AWC | Alta West Capital URL: https://awcapital.ca/attachment-1-3/ #### Investment Products | Alta West Capital URL: https://awcapital.ca/asian-business-adviser-meeting-to-analyze-and-discuss-the-situat/ #### Investment Products | Alta West Capital URL: https://awcapital.ca/115748042-beautiful-new-contempory-suburban-attached-townhomes-in-a-canadian-neighborhood2/ #### Investment Products | Alta West Capital URL: https://awcapital.ca/115748042_l_normal_none/ #### Investment Products | Alta West Capital URL: https://awcapital.ca/115748042_l_normal_none-2/ #### Investment property | Alta West Capital URL: https://awcapital.ca/colorful-new-modern-luxury-townhouses/ #### Investors Seeking Alternative Solutions URL: https://awcapital.ca/productivity-powered-by-digital-technology/ #### IR_RESP Pamphlet_Aug2024 URL: https://awcapital.ca/ir_resp-pamphlet_aug2024/ #### IR_RESP Pamphlet_DEC 2023_final URL: https://awcapital.ca/ir_resp-pamphlet_dec-2023_final/ #### IR_RESP Pamphlet_Jan2025 URL: https://awcapital.ca/ir_resp-pamphlet_jan2025/ #### IR_RESP Pamphlet_June2025 URL: https://awcapital.ca/ir_resp-pamphlet_june2025/ #### IR_RRIF_Pamphlet_June2025 URL: https://awcapital.ca/ir_rrif_pamphlet_june2025/ #### IR_RRSP Pamphlet_Aug2024 URL: https://awcapital.ca/ir_rrsp-pamphlet_aug2024/ #### IR_RRSP Pamphlet_DEC 2023_final URL: https://awcapital.ca/ir_rrsp-pamphlet_dec-2023_final/ #### IR_RRSP Pamphlet_Jan2025 URL: https://awcapital.ca/ir_rrsp-pamphlet_jan2025/ #### IR_RRSP Pamphlet_June2025 URL: https://awcapital.ca/ir_rrsp-pamphlet_june2025/ #### IR_TFSA Pamphlet_DEC 2023 URL: https://awcapital.ca/ir_tfsa-pamphlet_dec-2023/ #### IR_TFSA_Pamphlet_Aug2024 URL: https://awcapital.ca/ir_tfsa_pamphlet_aug2024/ #### IR_TFSA_Pamphlet_Jan2025 URL: https://awcapital.ca/ir_tfsa_pamphlet_jan2025/ #### IR_TFSA_Pamphlet_June2025 URL: https://awcapital.ca/ir_tfsa_pamphlet_june2025/ #### Jared Morrison URL: https://awcapital.ca/jared-morrison_white-bg_final_2-removebg-preview/ #### landmark URL: https://awcapital.ca/landmark/ #### layer-group URL: https://awcapital.ca/layer-group/ #### layer-plus URL: https://awcapital.ca/layer-plus/ #### Life’s Unexpected Moments Mortgage URL: https://awcapital.ca/the-brides-wedding-bouquet-of-fresh-pink-flowers-in-her-hand-an/ #### lineicons-4.0-basic-free URL: https://awcapital.ca/lineicons-4-0-basic-free/ #### list-check URL: https://awcapital.ca/list-check/ #### location-dot URL: https://awcapital.ca/location-dot/ #### LundonClark_website URL: https://awcapital.ca/team/lundonclark_website/ #### Male realtor handshaking clients after successful negotiations in office URL: https://awcapital.ca/mortgage-refinancing-debt-consolidation/male-realtor-handshaking-clients-after-successful-negotiations-in-office/ #### Man signing car insurance document or lease paper. Writing signature on contract or agreement. Buying or selling new or used vehicle. Car keys on table. Warranty or guarantee. URL: https://awcapital.ca/first-time-mortgage-buyer-what-you-should-know/man-signing-car-insurance-document-or-lease-paper-writing-signature-on-contract-or-agreement-buying-or-selling-new-or-used-vehicle-car-keys-on-table-warranty-or-guarantee/ #### Marcus Furius Camillus URL: https://awcapital.ca/?attachment_id=7494 #### margaret-atwood-author-photograph-for-publicity-rights-cleared-c-jean-malek-01 URL: https://awcapital.ca/?attachment_id=8082 #### miniature-bank-with-coins-stacks-jar-beside URL: https://awcapital.ca/miniature-bank-with-coins-stacks-jar-beside/ #### Mixed Use & Multi Residential V3 05162023 URL: https://awcapital.ca/mixed-use-multi-residential-v3-05162023/ #### Mixed Use & Residential_Aug2024 URL: https://awcapital.ca/mixed-use-residential_aug2024/ #### Mixed Use & Residential_Dec2024 URL: https://awcapital.ca/mixed-use-residential_dec2024/ #### Mixed Use & Residential_Feb2025 URL: https://awcapital.ca/mixed-use-residential_feb2025/ #### Mixed Use & 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https://awcapital.ca/mixed-use-multi-residential-v3-06202023/ #### Modern Classic Kitchen Interior With Kitchen Appliances And Whit URL: https://awcapital.ca/home-renos-tis-the-season/modern-classic-kitchen-interior-with-kitchen-appliances-and-whit/ #### money-bill-transfer URL: https://awcapital.ca/money-bill-transfer/ #### money-check-dollar-pen URL: https://awcapital.ca/money-check-dollar-pen/ #### money-simple-from-bracket URL: https://awcapital.ca/money-simple-from-bracket/ #### Monica-Chung_White-BG_final-removebg-preview URL: https://awcapital.ca/monica-chung_white-bg_final-removebg-preview/ #### Mortgage Investment Corporation URL: https://awcapital.ca/mic-graphic-v4-041423/ #### Mortgage loading and calculate property URL: https://awcapital.ca/first-time-buyer-mortgage-starter-guide-for-buying-your-first-home/mortgage-loading-and-calculate-property/ #### Mortgage Products | Alta West Capital URL: https://awcapital.ca/love-begins-at-home/ #### Mortgage Products | Alta West Capital URL: https://awcapital.ca/attachment-5/ #### Mortgage Products | Alta West Capital URL: https://awcapital.ca/happy-husband-lifting-excited-wife-celebrating-moving-day-with-boxes/ #### Mortgage Products | Alta West Capital URL: https://awcapital.ca/asian-woman-real-estate-broker-agent-showing-a-house-detail-in-h/ #### Mortgage Promo April 28 (1) (1) URL: https://awcapital.ca/mortgage-promo-april-28-1-1/ #### Mortgage_Pro_Canada URL: https://awcapital.ca/mortgage_pro_canada-2/ #### Mortgage_Pro_Canada URL: https://awcapital.ca/mortgage_pro_canada/ #### mortgage-lenders URL: https://awcapital.ca/tips-for-finding-right-mortgage-lender/applying-for-morgage-2/ #### Mortgage-Promo-050523.pdf URL: https://awcapital.ca/mortgage-promo-050523-pdf/ #### Mortgage-Promo-April-28-1-1.pdf URL: https://awcapital.ca/mortgage-promo-april-28-1-1-pdf/ #### Mortgage-Promo-March-29 URL: https://awcapital.ca/mortgage-promo-march-29/ #### Mortgages For The Unconventional | Alta West Capital URL: https://awcapital.ca/small-business-owners/ #### NatalieEchlin_website URL: https://awcapital.ca/team/natalieechlin_website/ #### New home for the Gonzales Mijango family URL: https://awcapital.ca/new-home-new-beginnings/gonzalesmijango_key_02-02-2021/ #### New to Canada | Alta West Capital URL: https://awcapital.ca/happy-adult-woman-relocating-house-lifting-cardboard-box-with-li/ #### New_icon (1) URL: https://awcapital.ca/mortgage-products/new_icon-1/ #### new_image URL: https://awcapital.ca/help-us-build-30-homes-in-el-salvador-with-shelter-canada/new_image/ #### NewsBanner URL: https://awcapital.ca/newsbanner/ #### office buiding URL: https://awcapital.ca/what-to-know-about-commercial-property-mortgage/office-buiding/ #### Overlay URL: https://awcapital.ca/overlay-3/ #### paint-roller URL: https://awcapital.ca/paint-roller/ #### paintwork URL: https://awcapital.ca/paintwork/ #### Partnering with Alta West Capital for Peace of Mind URL: 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