Fast Funding. Fair Terms.

AP Capital is a private mortgage lender focused on clients whose primary security is residential real estate and who may not fit traditional bank guidelines, but have a reasonable story and clear exit plan. This includes:

• Salaried and self-employed borrowers
• Clients with unique income documentation or credit histories
• Strong equity positions needing short-term or bridge financing

We look at the overall strength of the file: borrower, property, and exit strategy together. Rather than relying on any single data point.

Our primary focus is on highly marketable residential properties in established communities, including:

• Detached homes
• Townhomes and row houses
• Condominiums and stratified units

We focus on properties with strong resale or refinance potential and quality underlying security.

Yes. In addition to owner-occupied homes, we consider well-located rental and investment properties that meet our marketability and loan-to-value expectations. We regularly fund short-term private mortgages for rental acquisitions, equity take-outs, and bridge situations where a clear exit strategy is in place.

We primarily lend in Western Canada, with a focus on British Columbia and Alberta. Within these provinces, we prioritize marketable residential properties in established communities and urban centres where there is stable demand and clear refinance or resale potential.

Rates and fees are set on a file-by-file basis and reflect:

• Loan-to-value and overall leverage
• Property type, location, and marketability
• Borrower profile, credit, and strength of the exit strategy
• Complexity, timing, and any special circumstances

As a private mortgage lender, our goal is to balance fair, market-based pricing for borrowers with the need to preserve investor capital. Each commitment clearly outlines all interest rates, lender fees, and any applicable costs so there are no surprises.

Brokerage compensation is disclosed in the commitment and included in the final instructions to the solicitor. Unless otherwise arranged, approved broker fees are typically paid from mortgage proceeds at funding. This ensures transparency for the borrower and provides clarity on total costs associated with the private mortgage.

Most AP Capital mortgages are structured as short-term solutions (commonly around one year), with repayment options tailored to the client’s needs and exit plan. Some loans offer fully open terms, while others may have minimum interest requirements or specified prepayment fees. Any prepayment privileges, restrictions, or penalties are clearly set out in the commitment so you can review them with your client in advance.

If a borrower falls behind, our servicing team acts quickly but pragmatically. We:

• Reach out to the broker and borrower to understand the situation.
• Explore options such as catch-up payments, short-term arrangements, or refinancing where appropriate.
• Escalate to enforcement only when necessary and after reasonable efforts to find a solution.

Our goal is to protect investor capital while treating borrowers fairly and giving brokers a chance to help get the file back on track.

As a mortgage approaches maturity, we review the file and typically contact the broker in advance to discuss next steps. Depending on the situation, options may include:

• Renewal of the existing mortgage
• Short-term extension to complete an exit strategy
• Full payout and discharge when the property is sold or refinanced

Instructions for discharge are coordinated through the solicitor, and any renewal or extension terms are documented in writing so everyone is clear on the updated timeline and pricing.

Once a private mortgage is funded, AP Capital’s in-house servicing team manages payments, statements, renewals, and any arrears discussions. Brokers remain an important part of the relationship and are kept in the loop on material changes so they can support their clients and identify refinance opportunities as the exit strategy approaches.