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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 $1.1 billion in mortgages to borrowers in Canada, and our Mortgage Investment Corporation is home to more than 1,700 investors.

We are two pillars:

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 2,600 mortgages since inception.
2. Mortgage Fund – Asset 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 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 184th consecutive monthly distribution paid on July 1, 2025—over 15 years without a missed monthly distribution to shareholders.  We started our monthly distribution plan on April 1, 2010 and since then, an investment in AP Capital has achieved a total return of more than 240%; an annualized return of approximately 8.48% over the period.

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.

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Learn more about AP Capital by listening to the following AI powered podcast style interview. This 10 minutes includes an update on the fund’s activity from May 2025. Listen here…