Editorial policy
These rules bind every page. They are maintained by the Capitalor Data Desk and change only by dated revision on this page.
01Sourcing
Every published figure traces to a named source listed on the page. Benchmark rates come from the Bank of Canada Valet API. City populations come from Statistics Canada. Local lender counts, cap rates and deal sizes are not published until a dated, verifiable source exists. Nothing is sourced from an unnamed aggregator.
02Provenance labelling
Figures are labelled Observed, Modelled, or Baseline seed. Observed means recorded from the cited series unadjusted. Modelled means derived arithmetically from observed inputs using the published method. Baseline seed means a documented starting estimate awaiting first observation — an order-of-magnitude figure, not a market reading. Any page mixing these shows the key.
03No page without data
A product-by-market or city page is only indexable when it carries verifiable, distinct value for that market. A stored metrics row alone does not qualify. Pages that fail stay reachable but carry a noindex directive and are excluded from the sitemap. We would rather publish fewer pages than publish placeholders at scale.
04Review cadence
A scheduled job checks the Bank of Canada for new GoC 5-year observations each weekday evening. Pages show the date of the latest observation on file and label it stale once it is more than 10 days old. Local lender counts, cap rates and deal sizes are not published until a dated, verifiable source exists.
05Revisions, not deletions
Observations are appended. A corrected value never overwrites the record it replaces; the prior observation stays in the series so any number published in the past can still be reconstructed.
06Sponsorship separation
Sponsors can buy placement. They cannot buy a rate, a ranking, or a conclusion. Sponsored placements are labelled in situ, sit outside the editorial column, and are never blended into a table of published figures.
07Independence from transactions
Capitalor takes no origination fee, no broker commission, and no success fee on any financing. We have no economic interest in which lender you choose or whether you borrow at all.
08Use of automation
Ingestion, arithmetic, and page composition are automated; the method, the inputs, and the review sign-off are human decisions made by the Data Desk. Automation is disclosed rather than hidden, and it never invents a figure that no source supports.
Common questions
Can a lender pay to change a published figure?
No. Sponsorship is a separate, labelled placement and has no effect on any published rate, formula or page order.
Why does a page say a figure is modelled?
Because no primary source publishes it directly. The figure is derived from observed inputs using the method on the methodology page — the arithmetic is disclosed so you can reproduce or reject it.
Who reviews a page before it changes?
The Data Desk. Method changes are versioned on the methodology page with a dated revision entry; each figure shows the date of the observation behind it.
What happens when Capitalor gets something wrong?
It gets corrected, dated, and logged publicly under the corrections policy. We append the correction rather than quietly editing the original value.
Not advice — Capitalor is a data publisher. We do not originate, broker, arrange, or place debt, and nothing here is an offer of credit, a quote, or financial advice. Figures are indicative benchmarks for comparison and must be confirmed with a licensed lender or mortgage professional before you rely on them. About Capitalor