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At AP Capital we strive to be Canada’s best non-bank private lender. Launched in 2007, we have advanced more than $1B in mortgage backed funds to borrowers in Canada, and our Mortgage Investment Corporation is home to more than 1,590 investors.

There are two pillars to our business:

1. As a lender: AP sources all mortgage applications through independent mortgage brokers, and advances funds selected by our underwriting team. We focus our lending on residential real estate and our preference is highly marketable homes in urban markets of Western Canada (primarily BC’s Lower Mainland from the Fraser Valley to Metro Vancouver). Our team has funded and managed more than 2,300 mortgages since inception.
2. As a fund manager, AP Capital is a MIC (Mortgage Investment Corporation) chosen through Portfolio Managers, Investment Dealers, Exempt Market Dealers, and Institutional Investors. In 2024 the fund performed above the 10-year average (7.75%) and expects to deliver a year ending audited yield of more than 8.50% (Class B), 9,0% (Class F), and 9.50% (Class I). The fund distributes its income monthly through cash distributions or DRIP (dividend re-investment); with the 178th consecutive monthly distribution paid on Jan 1, 2025.

Past performance does not guarantee future returns and AP Capital Mortgage Fund may not be suitable for all investors.

We look forward to sharing more.  Please feel free to Contact us here.