AP Capital

AP Capital Alternative lender >2,700 mortgages / >$1.2B secured by Canadian residential real estate since '07

Banks in Canada are not always the right fit for mortgage financing. Here's where AP Capital comes in... AP operates a mortgage investment corporation (or MIC as they are commonly called). We are a pooled private capital fund that offers Canadian homebuyers and homeowners an alternative to bank or credit union financing. We source mortgage solutions through licensed mortgage brokers and fund only

deals we choose. AP provides short-term mortgages secured by real estate primarily located in urban markets of Western Canada. Our team manages the full lifecycle of every mortgage in the fund’s portfolio. Since 2007, and more than 1,000 mortgages funded and managed, we are proud of our past performance with a 10-year average annual return of 8.61% (audited, net of fees). Mortgage brokers; we look forward to working with you and funding your deals. Investment Advisors, Institutional Investors, Family Offices, and EMDs; let's discuss how AP might be a good option for you and your clients. Existing shareholders and investors; thank you for your ongoing support.

44 days until Canada vs Qatar in Vancouver
05/05/2026

44 days until Canada vs Qatar in Vancouver

This team!! Your AP Capital Mortgage teamBest in the business
04/21/2026

This team!!

Your AP Capital Mortgage team

Best in the business

Michael Chies and Ches Hagen at MPC Summit today in Vancouver
03/19/2026

Michael Chies and Ches Hagen at MPC Summit today in Vancouver

Expanding the lineup
01/23/2026

Expanding the lineup

12/11/2025

2025 in summary

7.25%-7.75% yield to investors (Class B-Class F)
$208 million in new mortgages funded in 2025
427 new shareholder accounts welcomed this year; over $50MM
$238MM in total investor equity
50+ investment advisory teams continue to entrust us with their clients’ capital.
$300MM in mortgages under management
1,100 mortgage applications reviewed in 2025
380 loans selected and advanced
112 independent mortgage brokers brought these applications

These achievements are the direct result of strong industry partnerships, the expertise and commitment of our team, and, above all, the continued confidence of our shareholders.

As we close out another successful year, we thank you for your trust and partnership. On behalf of everyone at AP Capital, we wish you and your families a joyful holiday season and a prosperous 2026.

11/07/2025

Newly listed single family homes down substantially in the region of Vancouver, Lower Mainland and the Fraser Valley. We have watched this for a decade+ and 1,500 newly listed single family homes over prior 2 weeks was "normal range"... We have seen it above 2,000, and today, just 1,083. What does this mean? Well, less supply can put upward pressure on pricing, and yet total single family homes for sale is still slightly above trend and declining slowly. Are these dynamics due to homes selling, listings expiring, or potential sellers pausing? Our preferred asset class at AP is the single family home and we watch supply and demand closely because we're curious, and it's our business.

Mortgage brokers, thank you for choosing AP as your lender of preference. Financial advisor, thank you for your continued trust and confidence in AP for your clients.

48 days to Christmas.

Let's go Blue Jays!!
10/24/2025

Let's go Blue Jays!!

10/24/2025

The Drive to Work... In 60 seconds or less. Toronto Blue Jays kick off the World Series tonight!

The .ca cookies were a major hit at the .ca BC Mortgage Expo this week. Great to see a lot of familiar faces and to meet...
09/18/2025

The .ca cookies were a major hit at the .ca BC Mortgage Expo this week. Great to see a lot of familiar faces and to meet many new.

Your favorite MIC lender 😉

Instagram launched in October 2010, the first iPad was released by Apple in April of that same year, and also on April 1...
03/15/2025

Instagram launched in October 2010, the first iPad was released by Apple in April of that same year, and also on April 1, 2010, AP Capital started issuing distributions to shareholders monthly. Just 2 weeks ago, on March 1st, 180 months later, we celebrated 15 years of consecutive monthly distributions to our now 1,600+ investors.

So how has this translated into outcomes? Well, an investor who committed $100,000 to Class B shares of AP Capital MIC in March 2010, and enrolled in the Dividend Reinvestment Plan (DRIP), more than tripled their investment, and would have a balance today of $334,600. Alternatively, opting for monthly cash distributions would have resulted in receiving $121,210 over the same period. These results showcase the power of compounding and the steady performance of AP Capital MIC.

Over these 15 years, AP Capital MIC has grown significantly - from 2010, with under $10 million in mortgages under administration (MUA), the fund has expanded to more than $260 million MUA today. We think this highlights AP Capital’s commitment to delivering consistent value while scaling responsibly for our shareholders.

Thank you to all involved in the journey. To the next 15 years!

Address

320 Granville Street, Unit 1410
Vancouver, BC
V6C1S9

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

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