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Contact Us
AP Capital

A Steadier Way to
Earn Income

For over 18 years, AP Capital has managed a residential mortgage fund that aims to deliver reliable monthly income and capital preservation by investing in highly marketable residential mortgages across BC & Alberta.

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16+ Years

Consecutive Monthly Distributions

$1.2 B

Mortgages Funded

1,700 +

Investors in the fund

WHY AP CAPITAL

Built for consistency through market cycles.

AP Capital focuses on one thing: short-term residential mortgage lending, primarily on single family homes across Western Canada. The fund is structured to prioritize income and capital preservation, so investors can focus on their goals, not market noise.

One Fund. One Focus.

One Fund. One Focus.

A singular focus with a clear mandate and repeatable process removes the guesswork.

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AP Capital runs one mortgage fund with a clear mandate and a repeatable process. By staying focused on single family residential lending, the team avoids strategy drift and can apply the same decision-making framework across the portfolio. That repetition becomes an advantage: execution stays consistent, communication stays clear, and investors can better understand the strategy and what they own. Leading to better results for all stakeholders. Show less
Real Assets, Real Security.

Real Assets, Real Security.

Returns are driven by interest payments, not daily market swings, and are secured by real homes.

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Fund returns are generated from borrower interest payments, with each loan secured by residential property. That means performance is tied to borrower payments and collateral, not day to day pricing like public markets. Show less
A long track record of monthly distributions

A long track record of monthly distributions

16+ years of consecutive monthly distributions through multiple rate and housing cycles.

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The fund has a 16+ year history of paying consistent monthly distributions through different interest-rate and housing market cycles. It’s supported by years of lending experience combined with a disciplined underwriting and due diligence framework designed to keep credit decisions consistent across market environments. Show less
Transparency & governance

Transparency & governance

Governance and reporting designed to support investor confidence and long-term discipline.

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We prioritize transparency through clear documentation, consistent reporting, and a governance framework designed to support disciplined decision-making. Investors and advisors should be able to review the story in plain language: what the fund does, how it’s managed, and what to expect over time. Clear communication and ongoing updates help our investors stay informed so they can feel confident in their investment. Show less

Quick Paths

For Investors

For Investors

A simpler way to earn income from Canada's housing market. Without the costs and day-to-day demands of direct ownership.

  • MIC basics, explained simply
  • How your investment works
  • Track record & how to invest
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For Advisors

For Advisors

Due diligence made simple. Access fund codes, documents, reporting, and key statistics in one place.

  • Portfolio snapshot + key statistics
  • Fund documents
  • Investment highlights + key differentiators
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For Mortgage Brokers

For Mortgage Brokers

Fast, common-sense lending on urban residential properties across BC and Alberta. Built for tight timelines and unique situations.

  • Quick fit snapshot + guidelines
  • Process & timelines
  • Submission tools + resources
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What is a Mic?

Mortgage Investment Corporations (MICs) are Canadian investment structures that pool investor capital and lend it out as mortgages secured by real property…

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Pool investor capital

Pool investor capital

Investors buy shares in a diversified mortgage pool. These funds provide mortgages secured by real estate.

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Lend against property

Lend against property

The MIC earns interest from borrowers and manages risk through underwriting, LTV limits, and diversification by property and region.

Distribute Income to Investors

Distribute Income to Investors

Interest collected (after fees/expenses) is distributed to shareholders monthly, with optional DRIP to reinvest.

About Us

About Us

AP Capital is a Vancouver-based Mortgage Investment Corporation (MIC) focused on short-term, secured residential lending across Western Canada…

  • One Fund, One Focus
  • Established Track Record
  • Aligned with Investors
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*Unless otherwise indicated, performance and return information reflects Class B shares, as of April 30th, 2026, and is calculated net of fees and expenses and assumes the reinvestment of all distributions. These materials should be read in conjunction with the offering memorandum dated April 30, 2026, including the risk factors identified therein. This update has been provided for general information purposes only and is not intended to be a solicitation to purchase shares of AP Capital Mortgage Investment Corporation or advice regarding the suitability of the investment for specific investors. All purchases of shares in AP Capital Mortgage Investment Corporation must be made through an approved registrant (investment dealer or exempt market dealer). Any opinions expressed herein are effective as at the date of the report. Management does not undertake to notify the reader of any subsequent change of circumstance or opinion. Historic returns set out above are net of all fund expenses and management fees. Past results are not indicative of future performance. For further information and disclosures, please refer to the Investor section of our website.