CapGap
Mortgage
Trust
Closing the Capital Gap in Canada’s Mortgage Market
CapGap Mortgage Trust provides mortgage funding for real estate investors by real estate investors through a diversified offering of varying Loan-to-Value (“LTV”) mortgages, and provides investors with access to a pool of residential mortgages delivering targeted annual yields from 8-14% **
** Actual returns may differ and there is no guarantee that this target will be met. See “Risk Factors” in the OM
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About CapGap
What Is A Mortgage Trust?
A Mortgage Trust (MFT) is an alternative investing option that consists of a diversified pool of mortgages that are secured by residential and commercial properties. The objective of mortgage trusts is to provide superior yields, while generating consistent, predictable returns for investors and preserving the underlying capital. As a result, investors can receive distributions based on the overall income of all mortgages within the trust.
Why A Mortgage Trust?
After years of successfully working in the mortgage business, and as active real estate investors ourselves with our own established portfolios, we recognized there is a gap in the capital market. Borrowers may have hit their maximum borrowing capacity with their current lender(s) or may also now be looking to scale their portfolio to larger commercial buildings and/or are acquiring more properties. This is the gap in the capital market that CapGap Mortgage Trust aims to fill.
- Certified Company
About CapGap
What Is A Mortgage Trust?
A Mortgage Trust (MFT) is an alternative investing option that consists of a diversified pool of mortgages that are secured by residential and commercial properties. The objective of mortgage trusts is to provide superior yields, while generating consistent, predictable returns for investors and preserving the underlying capital. As a result, investors can receive distributions based on the overall income of all mortgages within the trust.
Why A Mortgage Trust?
After years of successfully working in the mortgage business, and as active real estate investors ourselves with our own established portfolios, we recognized there is a gap in the capital market. Borrowers may have hit their maximum borrowing capacity with their current lender(s) or may also now be looking to scale their portfolio to larger commercial buildings and/or are acquiring more properties. This is the gap in the capital market that CapGap Mortgage Trust aims to fill.
- Certified Company
3
Unit Classes
8-14%
Target Returns**
**returns not guaranteed
88 Years
Combined Experience
4
Co-Trustees
Our Services
The CapGap Advantage
Our fund offers a means to invest in properties through mortgages that are secured against property and protected by well-defined power of sale and foreclosure laws in Canada. We acquire the mortgages from licensed and established mortgage brokerages, as well as take care of the administration and ongoing management of the mortgages on your behalf, throughout their life cycle. Lastly, our mortgage trust is 100% RRSP, RRIF, LIRA, LIF, RESP, and TFSA eligible.
Portfolio Diversification
Our fund will enable a broader level of diversification in an investor’s portfolio from the traditional equity and fixed income mix.
Risk Management
Security in the form of a mortgage charge that is legally registered against each property in our portfolio with a defined interest rate and for a specific period of time.
Established Pool Of Borrowers
We will be working with licensed brokerages that will provide active, reliable, vetted borrowers to build our mortgage portfolio.
Robust Investment Strategies
Our Fund
We are creating an investment vehicle that delivers a diversified offering of varying Loan-to-Value (“LTV”) mortgages that provides superior yields and generate consistent, predictable returns while preserving the underlying capital.
- Experience In The Mortgage Market
We are well-placed to make calculated investment decisions in your best interest.
- Proactive Risk Management
We have the ability to identify risks and proactively manage their impact on returns.
- Secured Investments
Our fund offers stable income, diversified lending with no downtime between mortgages.
- Reporting And Customer Service
We provide communications about the trust, the fund’s performance and your investment.
3
Unit Classes
8-14%
Target Returns**
**returns not guaranteed
88 Years
Combined Experience
4
Co-Trustees
Our Services
The CapGap Advantage
Our fund offers a means to invest in properties through mortgages that are secured against property and protected by well-defined power of sale and foreclosure laws in Canada. We acquire the mortgages from licensed and established mortgage brokerages, as well as take care of the administration and ongoing management of the mortgages on your behalf, throughout their life cycle. Lastly, our mortgage trust is 100% RRSP, RRIF, LIRA, LIF, RESP, and TFSA eligible.
Portfolio Diversification
Our fund will enable a broader level of diversification in an investor’s portfolio from the traditional equity and fixed income mix.
Risk Management
Security in the form of a mortgage charge that is legally registered against each property in our portfolio with a defined interest rate and for a specific period of time.
Established Pool Of Borrowers
We will be working with licensed brokerages that will provide active, reliable, vetted borrowers to build our mortgage portfolio.
Robust Investment Strategies
Our Fund
We are creating an investment vehicle that delivers a diversified offering of varying Loan-to-Value (“LTV”) mortgages that provides superior yields and generate consistent, predictable returns while preserving the underlying capital.
- Experience In The Mortgage Market
We are well-placed to make calculated investment decisions in your best interest.
- Proactive Risk Management
We have the ability to identify risks and proactively manage their impact on returns.
- Secured Investments
Our fund offers stable income, diversified lending with no downtime between mortgages.
- Reporting And Customer Service
We provide communications about the trust, the fund’s performance and your investment.
Three Unique Classes
CapGap Offerings
We offer three different portfolio types through limited partnership units. Each class offers different risk and return characteristics. Contact us today for more information on our investment opportunities.
Three Unique Classes
CapGap Offerings
We offer three different portfolio types through limited partnership units. Each class offers different risk and return characteristics. Contact us today for more information on our investment opportunities.
Class A
Class B
Class C
Target returns of up to 8% by lending on mortgages up to 80% loan-to-value.
Target returns of up to 11% by lending on mortgages up to 90% loan-to-value.
Target returns of up to 14% by lending on mortgages up to 100% of as-is value and/or 80% as-complete value.
Class A
Target returns of up to 8% by lending on mortgages up to 80% loan-to-value.
Class B
Target returns of up to 11% by lending on mortgages up to 90% loan-to-value.
Class C
Target returns of up to 14% by lending on mortgages up to 100% of as-is value and/or 80% as-complete value.
Meet The Co-Trustees Of CapGap
Our team has years of combined mortgage industry background and knowledge as active real estate investors, licensed mortgage professionals, and as mortgage originators and administrators (CAPGAP Management Services Inc. MA#13516) of multiple private mortgages.
Kyle Ford
Kyle has over a decade of experience in Financial services; 6 previously as a financial advisor and currently 5 years as a full service, licensed mortgage agent with Mortgage Alliance – Canada’s Mortgage Choice Ltd. Kyle is also an active real estate investor and entrepreneur.
Anna Scott
Anna has 33 years experience in the financial services and life insurance industries, including Management & Director positions at Manulife Bank of Canada, Manulife Financial and Sun Life Financial as well as roles in corporate compliance, business analysis and as a consultant on enterprise projects. She is presently a licensed mortgage agent for the past 3 years with Mortgage Alliance – Canada’s Mortgage Choice Ltd.
Joseph Ward
Joe has been a successful lawyer for over 40 years, with a specialty in real estate law. He brings a wealth of knowledge and experience to the team in his professional capacity, providing legal support and general advisory counsel to help manage a large-scale mortgage portfolio.
Steve Aho
For 46 years, Steve has been an IT sales professional, providing complex solutions to businesses across North America. He has held positions at a community college as a math professor, a manager at Price Waterhouse Coopers and as VP of Sales at three IT organizations. Since 2019, Steve has thoroughly enjoyed providing mortgage solutions to his clients as a licensed mortgage agent.
Why Choose Us
Reasons For People To Choose CapGap
Responsibility
We are responsible for all aspects of the underwriting process.
Vested Interest
We are a significant investor in our own MFT portfolio.
Accessibility
We provide access to all investors seeking to become a mortgage investor.
Time Availability
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Quick Response
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1 Year Warranty
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We Are Business Who Cares, And it Shows
OVER 540 “5 STARS” REVIEWS AND CLIMBING
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Jeniffer Smith
CHEF
Pamela Duncan
DIRECTOR
Steve Tailor
CFO
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Offices
Head Office
We primarily conduct business online. Please feel free to reach out via any of the below methods or by filling out a contact form.
Kitchener, Ontario
Phone: +1 (519) 573-0153
Email: [email protected]
