Business Details
19 Years
experience
Your Trusted Mortgage Broker in Vancouver, BC
Since 2007, AP Capital Mortgage Fund has established itself as Canada's leading non-bank alternative mortgage lender. Our team has funded over $1.2 billion in mortgages across 2,700 transactions, specializing in residential real estate secured loans in Western Canada. We operate a single Mortgage Investment Corporation (MIC) with $310 million in assets under management, serving 1,700+ investors through monthly distributions. Our underwriting team rigorously evaluates over 1,000 applications annually, maintaining strict 75% LTV thresholds in British Columbia and 70% in Alberta. We provide 1-year term mortgages at competitive rates starting from 6.95% for first mortgages and 8.45% for second mortgages.Our business model combines capital preservation with consistent yield delivery, evidenced by 186 consecutive monthly distributions since 2010. We serve diverse borrower profiles including self-employed professionals, time-sensitive applicants, and asset-rich investors. Our geographic focus spans major urban centers in British Columbia and Alberta, prioritizing single-detached homes as primary security. We maintain a 57% portfolio LTV with 98% residential composition, demonstrating disciplined risk management. Our team works closely with mortgage brokers, financial advisors, and institutional partners to deliver alternative investment solutions backed by real estate assets.
Services
Mortgage Brokering
Mortgage Lending
Financial Advising
Mortgage Investment Corporation
Alternative Lending
Details
- Year established: 2007
Highlights and features
- 17+ years of experience in alternative mortgage lending since 2007
- Over $1.2 billion in mortgages funded across Canada
- Specialized focus on Western Canadian residential real estate markets
- 186 consecutive monthly distributions to shareholders since inception
- Rigorous underwriting process with strict loan-to-value thresholds
Services
Mortgage Brokering
We connect borrowers with mortgage solutions through our network of independent brokers. Our team evaluates applications and provides funding decisions within 2-3 business days. This service caters to self-employed professionals and time-sensitive borrowers who don't qualify for traditional bank financing.
Mortgage Lending
We offer 1-year term residential mortgages with loan-to-value ratios up to 75% in BC and 70% in Alberta. Our lending focuses on single-detached homes, townhouses, and condominiums. We maintain strict underwriting standards while providing faster approval processes than traditional banks.
Mortgage Investment Corporation
Our MIC structure provides investors with monthly distributions from mortgage portfolios. With $310 million in assets under management, we offer Class B, F, and Institutional shares. Investors benefit from real estate-backed returns with 8.48% annualized performance since 2010.
Alternative Lending
We specialize in financing solutions for borrowers who don't meet traditional bank requirements. Our services cater to high-net-worth individuals with irregular income streams and investors seeking asset-backed financing. We maintain competitive rates starting at 6.95% for qualified applicants.
Financial Advising
We work with financial advisors to provide alternative investment options for their clients. Our MIC structure offers portfolio diversification with real estate-backed security. We provide detailed offering memorandums and subscription agreements for accredited investors seeking stable returns.
Questions
What types of mortgages do you offer?
We offer 1-year term residential mortgages including first and second mortgages on properties in British Columbia and Alberta.
What are your current mortgage rates?
Our rates start at 6.95% for first mortgages and 8.45% for second mortgages, with pricing based on individual risk profiles.
How can investors participate in your MIC?
Investors can participate through Class B, Class F, or Institutional shares via approved registrants and financial advisors.
What is your track record with distributions?
We've paid 186 consecutive monthly distributions since inception in 2007, with annualized returns of approximately 8.48%.
What underwriting criteria do you use?
We focus on property value, loan-to-value ratios, and borrower creditworthiness while maintaining strict 57% portfolio LTV.
How quickly can you fund a mortgage?
We can fund urgent applications in 2-3 business days for qualified borrowers through our streamlined underwriting process.
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