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  • $1B in mortgages funded since 2007

  • More than 2,300 mortgages funded in Canada since 2007

  • Chosen by some of Canada's top Portfolio Managers, Investment Dealers, and Exempt Market Dealers.


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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 one billion dollars in mortgages to borrowers in Canada, and our Mortgage Investment Corporation is home to more than 1,650 investors.

There are two pillars to our business:

  1. Lender: AP sources all mortgage applications through independent mortgage brokers, then advances funds on only mortgages selected by our underwriting team. We focus our lending on residential real estate with a strong preference for 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 2,500 mortgages since inception.
  2. Mortgage Fund Manager: AP Capital manages a pooled fund structured as a MIC (Mortgage Investment Corporation).  AP Capital’s mortgage fund is chosen by Portfolio Managers, Investment Dealers, Exempt Market Dealers, and Institutional Investors for their clients. In 2024, the fund performed above the 10-year average (7.70%) and delivered a year-ending audited yield of 8.47% (Class B), 9.02% (Class F), and 9.52% (Institutional). The fund distributes its income monthly through cash distributions or DRIP (dividend re-investment), with the 181st consecutive monthly distribution paid on Apr 1, 2025—over 15 years without a missed monthly distribution to shareholders.

Past performance does not guarantee future returns. AP Capital Mortgage Fund may not be suitable for all investors.  Speak to your financial advisor.

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