Built by Bankers. Driven by our Clients.
We shop every lender. You keep the best deal.
Built by Bankers. Driven by our Clients.
We shop every lender. You keep the best deal.
Why Capital Y
Built by people who worked inside the bank
Built by people who worked inside the bank
Built by people who worked inside the bank
20+ years of combined banking and consulting experience, including over a decade at TD Canada Trust. We know how underwriters read a file, so we build yours to be approved the first time.
One file, many lenders
Built by people who worked inside the bank
Built by people who worked inside the bank
Banks, monolines and credit unions compared side by side, with the trade-offs explained in writing.
Someone owns every step
Built by people who worked inside the bank
Someone owns every step
Documents, appraisal, conditions and signing each have a named owner on our team, so nothing stalls.
How it works
1. A 20-minute call
2. One document checklist
2. One document checklist
Your goals, timeline and numbers. You leave knowing your realistic budget.
2. One document checklist
2. One document checklist
2. One document checklist
Built for your file only. We ask once, not five times.
3. Your options, in writing
3. Your options, in writing
3. Your options, in writing
Lenders compared on rate, term, flexibility and penalty, with our recommendation and why.
4. Approval to keys
3. Your options, in writing
3. Your options, in writing
We manage conditions, the appraisal and the lawyer hand-off through to closing day.
Run your numbers in 60 seconds.
Payment, affordability, land transfer tax and renewal calculators, built for Ontario buyers.
Talk to a person, not a portal.
Serving Mississauga, Oakville, Burlington, Hamilton and the GTA. Capital Y Lending Advisors is a team of Mortgage Agents Level 1 at FLOW Lending Group, powered by Mortgage Architects. Brokerage Licence #12864. All mortgages are subject to lender approval (and insurer approval where insured). O.A.C.; terms subject to change. 4250 Weston Road, Suite 200, North York, ON | admin@cylending.com | Copyright 2026 Capital Y Lending Advisors.
FLOW Lending Group | Mortgage Architects
This website uses cookies.
We use cookies to analyze website traffic and optimize your website experience. By accepting our use of cookies, your data will be aggregated with all other user data.