Our Story.

Strong financial roots.

Where it began.

Founded in 1996, RFA is a Canadian-owned real estate investment firm grounded in the Commercial and Asset Management segments. RFA and its investment partners are active participants in a wide array of real estate focused portfolios, including debt financing transactions, REITs, and direct investments in office, retail, industrial and multifamily residential properties.

In 2018, RFA expanded into the residential lending market with the goal of becoming a top broker channel lender. In 2019, RFA accelerated its growth plans through the acquisition of Street Capital Bank and now holds a presence in both the Prime and Alternative lending segments.

As of September 15, 2025, RFA Capital, the parent company of RFA Bank of Canada and RFA Mortgage Corporation, has agreed to combine with Artis to form RFA Financial—a diversified financial services company. The merger will make RFA stronger, more resilient, and better positioned to serve its clients and broker partners.

 

Mortgage lending.

RFA’s residential mortgage lending business is operated by RFA Mortgage Corporation and RFA Bank of Canada, a federally regulated Schedule I Bank. RFA Mortgage Corporation specializes in Prime lending (Insured, Insurable, Uninsurable), while RFA Bank of Canada is a balance sheet based Alternative mortgage lender (Alt-A and B lending). Combined, RFA offers mortgage brokers a one-stop shop with our full suite of competitive Prime and Alternative mortgages.

RFA’s strategic vision is to be a long-term leader in the residential lending segment by offering a value proposition beyond just rate and compensation. Through building a competitive broker experience and solutions-oriented product suite, RFA’s goal is to be recognized and recommended by our mortgage broker partners, mortgagors, and other strategic partners, for our financing solutions and broker/client experience.

 

CDIC INSURED.

RFA Bank of Canada is a member of the Canada Deposit Insurance Corporation. We offer Guaranteed Investment Certificates through a contracted national network of Canadian Investment Regulatory Organization (CIRO) regulated deposit dealers.

Our GICs are eligible for deposit insurance protection from the Canadian Deposit Insurance Corporation (CDIC). Maximum insurance protection for CDIC eligible GICs is to applicable limits.

Please Note: RFA Capital, RFA Mortgage Corporation are NOT members of the CDIC.