Private Mortgage Investments in Canada

Looking for a secure, high-yield way to invest in real estate without the hassle of owning and managing property?

At Niche Mortgages, we help investors participate in private mortgage lending, where your capital is secured by real estate and structured for strong, predictable returns.

Whether you’re an experienced investor or exploring mortgage investing for the first time, our team helps you find private lending opportunities that match your financial goals and risk appetite.

What Is Private Mortgage Investing?

Private mortgage investing allows you to act as the lender. Instead of putting your money into stocks or rental properties, you provide funds for a mortgage and receive monthly interest payments, secured against the property itself. These are typically short-term loans (6–24 months) offered to borrowers who may not qualify through traditional lenders.

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Who Borrows from Private Investors?

We specialize in placing your investment with reliable borrowers who may not qualify under traditional lending guidelines but have valuable equity and real estate to secure your funds.

Business Owners with Strong Cash Flow but Low Declared Income

Private mortgage funding gives them the flexibility to complete real estate transactions or refinance without needing to restructure their entire income declaration.

Homeowners with Credit Issues Who Are Rebuilding

Life happens, whether it’s a job loss, divorce, or past bankruptcy. Some homeowners are in the process of rebuilding their credit but still have significant equity in their property.

Pre-Sale Buyers Needing Short-Term Financing to Close

In many markets, buyers purchased pre-sale condos or homes years ago. Now, with closing dates approaching, their financial or employment situation has changed, and they no longer qualify for conventional financing.

Real Estate Investors Flipping Properties or Building Custom Homes

Investors often need quick access to capital for short-term opportunities, whether it’s buying a fix-and-flip property, covering construction costs, or purchasing land for development.

Why Work With Niche Mortgages For Private Mortgages Investments?

Access to High-Quality Borrowers

We work with real clients and match you with vetted lending opportunities

Multilingual Team

We support English, Cantonese, and Mandarin-speaking investors

Strong Deal Flow

We serve business owners, newcomers, and borrowers often overlooked by banks

Is Private Mortgage Investing Right for You?

Private mortgage investing is ideal if you’re looking to:

Diversify your portfolio beyond stocks and mutual funds
Earn steady, fixed-income returns
Invest in tangible, secured assets
Take a hands-off approach while we handle underwriting and servicing

We work with both individuals and corporations, and you can choose to fund full mortgages or participate in fractional investments, depending on the opportunity and amount available.

Start Growing with Niche Mortgages

Frequently Asked Questions About Private Mortgage Investing

Private mortgage investing is a powerful way to grow your wealth through real estate, without owning property yourself. If you’re new to this type of investment or just exploring your options, you likely have questions. Below, we’ve answered the most common ones to help you understand how it works and what to expect.

A private mortgage investment is when you act as the lender, providing funds for a real estate loan secured by property. In return, you earn monthly interest income usually at a higher rate than traditional fixed-income investments.

All investments carry some risk, but private mortgages are secured by real estate. At Niche Mortgages, we carefully vet every borrower and ensure the mortgage is registered against the property, giving you legal recourse if the borrower defaults.

Our borrowers include business owners with unconventional income, homeowners rebuilding credit, pre-sale buyers needing closing funds, and real estate investors. These are clients who have strong assets or equity but don’t meet traditional lending criteria.

Returns typically range from 8% to 12% annually, depending on the risk level, property type, loan-to-value ratio, and term length. Interest is usually paid monthly or quarterly.

Minimum investment amounts vary by opportunity. Some deals allow fractional participation, meaning you can invest alongside others. We’ll discuss available options that suit your budget and risk tolerance.

Private Mortgage Investments