PHL Capital Corp is Top Providers of Real Estate Focused Investments and Credit Products
                     PHL Capital Corp 
PHL Capital Corp is One of British Columbia’s Top 
Providers of Real Estate Focused Investments and Credit 
Products
PHL Capital Corp 
Lending Guidelines
Best Practices
The BC MIC Managers Association established educational 
resources, namely the “BCMMA – A guide for Borrowers” and 
“BCMMA – A guide for Brokers.” 
These resources are associated sources of information for the 
general public and serve as tools for the broker community and 
the general public to be more informed about MICs. 
The Best Practices will provide education and awareness and 
ultimately provide protection for the borrowing public.
PHL is a strong supporter of the BCMMA and these best practice 
guidelines.
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PHL Capital Corp 
What is a Mortgage Trigger Rate?
• If you have a variable mortgage, you have likely been impacted by 
the recent interest rate increases. While an increased interest rate 
will not raise your payment amount, it may push you closer to 
your trigger rate.
 
• Your trigger rate is the point at which your regular payment is no 
longer sufficient to pay off the interest you have accrued since 
your last payment. 
• This point is reached if your entire mortgage payment is going 
toward interest and none of it is going to your principal balance. 
• To keep your payment schedule on track, your lender may contact 
you to increase your payments or review other options. 
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PHL Capital Corp 
Reach Us
Benchmark Business Centre
#212, 5455 – 152 Street
Surrey BC V3S 5A5
Phone: 604.579.0849
Website: https://phlcapital.com/
Email: [email protected]
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