Focus On What You Do Best
We underwrite and perform our own due diligence on every application that is submitted to us before presenting a comprehensive package to our investors. You will only receive investment opportunities we believe in and would otherwise fund ourselves.
*We represent the investor in every transaction for the life of the loan!
Return On Investment
1st Mortgages 8% - 14% ROI/yr
50% - 80% LTV $100,000 - $1,000,000+
2nd Mortgages 12% - 18% ROI/yr
65% - 85% LTV $20,000 - $500,000+
Residential and Commercial mortgages available across Canada!
We provide financing to purchase, refinance, construction, renovation, debt consolidation, and more
The 5 C’s of Credit
Our professional underwriting includes an objective review of these 5 key criteria to determine creditworthiness.
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Credit
Credit history and overall behavior -
Collateral
Marketability of the property or properties -
Capacity
Affordability or Debt Service Ratio (DSCR) -
Capital
Equity or Loan to Value (LTV) -
Conditions
Purpose of the loan and exit strategy
Advantages
Secure Investments
Your investment is collateralized by the property and registered as a mortgage directly at the provincial Land Title Office by your lawyer. This process is identical to the bank. The owner cannot sell or refinance without your permission. Each deal includes a third-party appraisal, Equifax credit report, property and title insurance, and review by your lawyer. All funds are strictly handled In Trust by your lawyer, we never hold it.
Control
One-on-one funding. We are not a MIC or Syndicator. You choose your mortgages, set the rules, and make the decisions!
Less Volatile and More Predictable
No ups and downs. Stable, reliable, and monthly income paid directly to the investor. We offer fixed rate, 1 year term, open or closed (3-month payout penalty), payable on the 1st or 15th. Interest only or amortizing. Renewal subject to investor discretion.
Easy
Hands-free, passive real estate investment. All management of mortgages may be handled by MortgagePro Ltd. including the collection of arrears, renewals, and other documentation. No investment background is required. All fees paid by the borrower.
Superior Return on Investment (ROI)
Significantly higher returns compared to Bonds, GICs, Mutual Funds, and Saving Accounts. You set your ROI.
Tax Advantages
RRSP and TFSA eligible. Your investment income is tax-deferred or tax-free.
Your Become the Bank
Enjoy the benefits of the lucrative private lending industry. If you are interested in investing, contact us. We welcome all levels of investing experience!
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Register (HERE)
We will walk you through our process and establish your lending criteria. -
Review
When a deal is available, we will send you a comprehensive package to review. -
Approve
Once approved by you, your lawyer will complete mortgage conveyancing and you begin collecting/depositing your payments.