Private mortgage investment.
Ontario real estate.
8% target annual return.
A private mortgage investment corporation built on conservative underwriting and disciplined deployment. Every dollar secured against Ontario real property. Capital called only when mortgages are ready to fund.
A structural gap in Canadian mortgage lending.
Banks have tightened credit. Demand has not gone away. Disciplined private capital is the answer — and the supply has not kept pace.
Banks Pulling Back
Traditional lenders have tightened credit significantly, leaving creditworthy borrowers — self-employed, investors, bridge situations — without options.
40%+ Demand Growth
Private mortgage demand in Ontario has surged over 40% since 2021. Borrowers need capital. The supply of disciplined private lenders has not kept pace.
Investor Yield Gap
Family offices and HNW investors are searching for asset-backed, yield-generating alternatives to volatile equity markets. Secured real estate debt delivers both.
Discipline is the entire strategy.
Private mortgages can deliver attractive yield. They can also lose money in a hurry. The difference is underwriting discipline — the willingness to pass on most deals and accept only the ones that survive every test.
Across every mortgage funded under our underwriting framework (as at Q1 2025). Past performance is not indicative of future results, but it's the bar we hold ourselves to.
36.92% weighted average loan-to-value, less than half the industry average of 65–75%.
Your tranche is requested only when specific mortgages are ready to fund. Never a queue.
Every credit decision documented, traceable, and available for investor review on request.
LTV, affordability, asset quality, creditworthiness, exit strategy. Failing any one is enough to decline.
Every mortgage registered on title — 1st or 2nd position on Ontario real estate.
Payments tracked, covenants enforced, borrower relationships managed to term — not set and forget.
Grow with confidence.
LendGuard Capital is ready to deploy your capital into a pre-qualified pipeline of Ontario residential mortgages — secured, asset-backed, actively managed.