(905) 441 0770 allen@allenehlert.com

Discovering Strive

by | May 4, 2025

As a professional, licensed mortgage agent, I have the privilege of introducing my clients to the best financing options available — including some you may not have heard of yet, but that can offer real advantages for the right borrower. I’d like to help you discover Strive Capital, a dynamic, award-winning Canadian lender whose name is rapidly gaining recognition for good reason.

Who is Strive Capital?

What Kind of Lender is Strive Capital?

Three Powerful Reasons Why Borrowers Choose Strive

Who is an Ideal Client for Strive?

Why Strive Stands Apart

Who is Strive Capital?

Strive Capital is a residential mortgage lender based in Canada, offering both prime and alternative lending solutions. Established in 2021 with a modest team of 16 members, Strive has since grown to over 110 professionals, lending coast to coast — including in the Yukon and Northwest Territories. Their leadership team brings decades of experience from some of the country’s most respected financial institutions, including FirstLine, CMHC, Scotiabank, and Community Trust.

Strive operates exclusively through licensed mortgage brokers like myself, meaning you won’t find them advertising directly to the public. They are committed to delivering superior service and flexible solutions tailored to real-world client needs, and they work closely with all three Canadian mortgage insurers — CMHC, Sagen, and Canada Guaranty — to offer insured, insurable, and uninsurable mortgage products.

What Kind of Lender is Strive Capital?

Strive is a “make-sense” lender — a term that truly sets them apart. Unlike traditional lenders who apply rigid formulas without considering context, Strive evaluates each application on its own merits, considering the full story behind each file. Their team seeks ways to make good deals work, rather than finding reasons to decline them.

Because they offer both prime and alternative solutions, Strive can help clients who meet standard criteria, as well as those who may not fit neatly into a conventional lending box — such as self-employed borrowers, clients with rental portfolios, or clients looking to finance a home with rental income potential.

Three Powerful Reasons Why Borrowers Choose Strive

When it comes to real estate financing, finding a lender that truly understands the diverse needs of today’s borrowers can make all the difference. Strive stands apart with its borrower-focused approach, offering flexibility and common-sense solutions where traditional lenders often fall short. Whether you’re leveraging rental income to qualify, looking to add value through home improvements, or seeking personalized attention throughout the underwriting process, Strive’s innovative policies and dedicated service model ensure that you are supported every step of the way. Let me show you three key reasons why Strive is a lender worth considering.

  • Flexible and Competitive Rental Income Policies
  • Market-Leading Purchase Plus Improvements Program
  • Dedicated, Personalized Underwriting Approach

Flexible and Competitive Rental Income Policies

Strive’s treatment of rental income is among the most borrower-friendly in the industry. Whether you are converting your current home to a rental or purchasing an owner-occupied home with a legal basement suite, Strive allows generous use of rental income for qualification. For example, they allow 100% of rental income from legal suites (subject to certain credit score minimums) and take a practical, flexible approach to non-legal suites as well.

They also offer an innovative rental worksheet that results in high rental offsets (sometimes 80%–97%), making it easier for investors and homebuyers with rental income to qualify.

Market-Leading Purchase Plus Improvements Program

Strive is a trailblazer when it comes to allowing borrowers to add a rental suite using the Purchase Plus Improvements program — up to $100,000 in improvements, with the potential to divide draws into three stages. Even better, projected rental income from the improvements can be used to support qualification, provided the file makes sense. This kind of flexibility can make a massive difference for buyers looking to create income suites in homes.

Dedicated, Personalized Underwriting Approach

Unlike many lenders, Strive assigns files to dedicated underwriters and business relationship managers (BRMs) who review each file in detail. They strongly encourage detailed broker notes and documentation at submission to speed up the process and make approvals smoother. With Strive, you’re not just a number — your story matters, and that can often mean the difference between an approval and a decline.

Who is an Ideal Client for Strive?

An ideal client for Strive is someone who:

  • Has a strong credit profile (especially if looking for maximum flexibility)
  • Is purchasing or refinancing a home with rental income potential
  • Is adding value through improvements (such as creating a legal basement suite)
  • May be a newer investor growing their rental portfolio
  • Needs a lender who will look beyond the numbers and consider the bigger picture

Strive is especially powerful for buyers navigating the current housing market challenges — needing flexibility, fast solutions, and lenders who can adapt to evolving property types like multiplexes, garden suites, or basement apartments.

Why Strive Stands Apart

In a crowded marketplace of mortgage lenders, Strive distinguishes itself through a combination of industry-leading flexibility, broker-exclusive focus, and an unwavering commitment to a common-sense underwriting philosophy. They are not bound by outdated policies or unnecessarily rigid rules. Instead, they partner with brokers like myself to deliver solutions that truly reflect the needs of Canadian homebuyers and investors today.

Strive’s commitment to full transparency with insurers, their broker-first culture, and their relentless innovation — like market-leading policies for purchase plus improvements — mark them as a lender that isn’t just participating in the industry but leading it into the future.

Summary

As always, my role is to find the best fit for each client’s needs — and in many cases, Strive Capital may be that perfect fit. If you’re looking for real estate financing that offers flexibility, creativity, and a personal touch, let’s discuss whether Strive could be the right match for your goals.

Mortgage and Money Radio Logo
Allen Ehlert

Allen Ehlert

Allen Ehlert is a licensed mortgage agent. He has four university degrees, including two Masters degrees, and specializes in real estate finance, development, and investing. Allen Ehlert has decades of independent consulting experience for companies and governments, including the Ontario Real Estate Association, Deloitte, City of Toronto, Enbridge, and the Ministry of Finance.

Disability Assistance Payment

Mortgage Term: Disability Assistance Payment

Discover what disability assistance payments are, and how they help parents save for the long-term financial security and housing of their disabled children.

Canada Big Bank Towers

Where You Get Your Mortgage

Where you get your mortgage can have a big impact on how much you have to pay in regular mortgage payments, how fast you can pay off your house, and what you need to do and have to qualify for. When asked, most Canadians think that 'the bank' is the only place they...
Gifted Funds

Gifted Funds and Mortgages

In the ever-evolving landscape of Canadian real estate, rising home prices have made it increasingly challenging for many buyers to enter the market. As a result, gifted funds for down payments have become a significant enabler for many prospective homeowners,...
Neo Financial

Neo Financial Mortgages

Neo Financial is a Canadian technology company that has built a modern financial services platform around the idea that Canadians have been underserved by traditional finance for a long time.

Understanding Variable Mortgages

Choosing between a fixed and variable mortgage can feel a bit like deciding whether to pack an umbrella when the sky looks perfectly blue. You may save money by travelling light, or you may get caught in a downpour. The truth is that neither mortgage is automatically...
Understanding Fixed Mortgages

Understanding Fixed Mortgages

Understanding Fixed Mortgages: A fixed mortgage can feel like putting a fence around one of your household’s biggest expenses: for the length of your term, the interest rate—and usually the required principal-and-interest payment—stays put.

NFR

Canada’s Non-Federally Regulated Mortgage Providers

Mortgage providers in Canada are either federally or provincially regulated. Canada's chartered banks are federally regulated while many other lenders (see below) are not. Getting a mortgage from a non-federally regulated mortgage provider in Canada has both...
Ontario Land Transfer Tax Rebate

Ontario Land Transfer Tax Rebate Explained

Imagine you and your partner are excited to buy your first home in Ontario. You spend your weekends looking at homes, dreaming of your future, and planning your perfect space. But then, you start to worry about the extra costs, like the land transfer tax. That's when...
Struggling Under Stress Test

Struggling Under the Stress Test

Discover how the mortgage stress test in Canada impacts the ability of Canadians to afford homes and the actionable steps you can take to address this requirement.

Financial And Lifestyle

Balancing Financial and Lifestyle Goals

In the realm of personal finance and lifestyle design, real estate often serves as a cornerstone. It represents not only a significant financial investment but also a profound lifestyle choice. As a former realtor, financial advisor, and mortgage agent, I've observed...