Canadian residential 1st & 2nd mortgages|ON · BC · AB
Lendmax Capital Lendmax Capital
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Private mortgage lender & mortgage investment corporation · ON · BC · AB Underwriting desk: pricing target under 2 hours

Common Sense Lending,
Value based Pricing!

Lendmax Capital is one of Canada's alternative mortgage lenders: we fund residential first and second mortgages through licensed brokers in Ontario, BC and Alberta, and put investor capital behind every one of them. One balance sheet, one underwriting desk, one inbox.

Brokers — email the desk Investors — start here
CoverageON · BC · AB
Urban to rural, one desk
UnderwritingDirect line
Work directly with underwriters
Commitment0% solicitation
Your client stays your client
Broker onboarding

Register as an Approved Broker

Fast-track your files, get the Program Guide, and receive criteria bulletins the day they change.

  • Access Program Guide & Status Updates
  • Track your submissions & renewals online
  • Get perks & rewards on funding volume

We use this to register you as an approved broker to receive rate & program updates. No borrower solicitation, ever.

2 hrsPricing target
48 hrsQuick-close funding
6.80%1st mortgage from
13002FSRA regulated licence

Historical net yield, incl. bonus. Past performance is not indicative of future results. Review Audited Track Record

Choose your lane

Three ways people use Lendmax.

Whether you are submitting an urgent residential mortgage file, investing institutional capital for stable yield, or seeking short-term bridge financing.

For mortgage brokers

Send the file. Get the price back the same morning.

Seven programs across two families, published criteria you can read before you submit, and a calculator that tells you which bucket a deal lands in. You keep the client — at funding, at renewal, and after.

  • Direct line to the underwriter who prices and instructs
  • Two-hour pricing target on a complete submission
  • We never solicit your client
Broker desk Pricing Calculator
For investors

Own the lending, not the market's mood.

Lendmax Capital Mortgage Investment Corp. pools investor capital into a diversified book of residential mortgages secured against real property. Income comes from interest a borrower contracted to pay — not from a share price.

  • Structured under Section 130.1 of the Income Tax Act
  • Intended to be a qualified investment for RRSP, RRIF and TFSA
  • Offered through a registered exempt market dealer to qualified investors
Invest with Lendmax Past performance
For borrowers

A private mortgage is a bridge, not a destination.

Lendmax lends through licensed mortgage brokers and agents. If your bank has said no, your broker brings us the file — and the job of the term we write is to get you back to a lender that costs you less.

  • Direct online intake, or through your broker, in about ten minutes
  • Equity-based approval to 75% LTV — 500 beacon and up
  • Every advance carries a written exit and refinance plan
Nothing on this site is an offer of credit. Rates, lender fees and conditions are quoted per file and disclosed in writing before you sign.
Apply for Mortgage Online account
Borrower solutions

Borrower Lending & Application Guide

Whether your file arrives through a licensed mortgage broker or you apply directly, the same desk prices it against the same published criteria.

Portfolio scope

What Lendmax lends on

Residential mortgages in Ontario, British Columbia and Alberta, priced on the property, the exit and the file — not on a bank's checklist.

Property typesSingle-family homes, townhouses, condos and 1–4 unit rentals — owner-occupied or investment.
Loan positionsPrivate first mortgages, private second mortgages behind a bank or private first, and a revolving equity line to 75% LTV.
Alternative creditBruised credit, no established score, self-employed or stated income — Flex reaches the 500 band; no income documents on any program.
Purpose & LTVPurchase, refinance, debt consolidation, equity takeout and private takeouts, to 80% loan-to-value by program and market.

FSRA Licence 13002

Path A · Through your broker

Your broker sends the file to one inbox

Lendmax lends through licensed mortgage brokers and agents. Your broker submits the application, appraisal and credit bureau, and the desk targets a priced answer within two hours on a complete file.

Have your broker email the desk
Path B · Direct borrower intake

Apply in about ten minutes

Don't have a broker yet? Start your secure application and a licensed Lendmax agent will review it, tell you which program it fits, and set out the exit plan before anything is signed.

Apply for Mortgage Borrower portal login
Lending programs

Two Programs, Seven Products

Lendmax structures clear pricing tiers based on geography, credit depth and existing charges on title.

Full underwriting criteria matrix →
Prime suiteTurnaround: 48h quick close

Prime — alternative lender for private 1st & 2nd mortgages

Prime is the tighter box, and it carries the sharpest terms Lendmax writes. It is built for property in Ontario, British Columbia and Alberta that sits in a centre of 50,000 or more, where the borrower has an established credit profile and there is no private money already registered on title.

If a file clears the Prime box it prices better than anything else in the suite. Three products sit inside it — a first charge, a second behind an institutional or conventional first, and the Prime 50 and Prime 75 quick-close seconds that fund in 48 hours.

Flex suiteCredit spectrum: down to 500

Flex — alternative lender for private 1st & 2nd mortgages outside the Prime box

Flex trades price for reach. It takes the files an institutional lender and the Prime box both decline: smaller towns and rural property, the full credit spectrum down to a 500 beacon or no established score, and a private mortgage already sitting on title.

It also carries the highest loan-to-value ceilings in the suite. Location is a pricing input on a Flex file, not a decline — two products sit inside it, a first charge and a second, alongside the Rental Program and HELOC-75.

Prime

Prime 1st Mortgage

Urban and near-urban first charge. Prime

Prime 2nd Mortgage

Behind an institutional first. Prime

Prime 50 & 75

48-hour quick-close seconds. Flex

Flex 1st Mortgage

Smaller markets, rural files. Flex

Flex 2nd Mortgage

Highest LTV ceilings in the suite. Specialty

Rental Program

1–4 unit rentals, rent counted. Specialty

HELOC-75

Revolving equity line to 75% LTV. Guide

Home equity loan vs HELOC

Which one fits, and what it becomes.
The questions brokers actually ask

Answered before you have to ask them.

01

Will you do this deal?

Program criteria are published, not hidden in a PDF. Run the file through the Pricing Calculator and you will know the bucket before you submit.

02

When can you close?

Seconds fund in up to two business days once instructed, firsts in up to five, and the quick-close series is built for 48 hours.

03

Who pays me, and when?

Broker compensation is set out in the commitment and paid on the funding date. No upfront fee to you, and nothing deducted after the fact.

04

Whose client is it?

Yours. We do not market to your borrower, and renewal conversations come back through you 90 days before maturity.

Submit deal to desk Download criteria & forms Full broker FAQ
How we lend

Lending that has to make sense for the borrower, or it does not get written.

Short-term mortgage money is a tool, and a tool used badly does real damage. Every Lendmax file is underwritten to a defined exit — a refinance, a sale, a maturing institutional term — because a loan a borrower cannot leave is a loan we should not have made.

That discipline is also what protects the people whose capital funds it. Ethical lending and durable investor returns are the same job seen from two ends.

Our story and our people

Exit before advance

No file is approved without a stated, plausible repayment path and a contingency if the first one fails.

Cost disclosed in writing

Rate, lender fee, legals and any holdback appear on the commitment your broker reviews with the borrower before signing.

Value, not hope

We lend against appraised value and marketability today, not projected appreciation.

No solicitation

The borrower belongs to the broker who brought the file. That is a standing rule, not a courtesy.

Driving Results. In every market condition.
The investor journey

Control over your capital starts with knowing where it is.

Every dollar in the corporation sits behind a registered charge on a Canadian home, administered by a licensed mortgage administrator, reported to you on a schedule. You can see the book you own a share of.

Contractual incomeMortgage interest and lending fees — obligations, not market sentiment.
TFSA & RRSPIntended to be a qualified investment for registered plans, so distributions compound without annual tax drag.
Registered dealerDistributed through a registered exempt market dealer, with a suitability review before you invest.
Start investing The four-step intake What a MIC actually is
Use us as a resource

Make Lendmax Capital a preferred source on Google.

If our lending criteria, MIC explainers and published papers are useful to you, tell Google to show them to you more often. It takes one click and changes what you see in Search and in AI results.

G Add Lendmax Capital as a Preferred Source
Published papers

Eight papers on mortgage investing in Canada.

Written by Ali Zaidi — MIC versus REIT, passive income mechanics, why builders need private capital, and the diversification gap in Canadian portfolios.

Read the papers
One desk, one address

Deals go to one inbox, monitored by the people who price them.

deals@lendmaxcapital.ca

No automated tiers or gatekeepers. Email your executive summary, 10-point submission or scenario request directly for a two-hour pricing target.

Start a submission Invest with Lendmax

Sources and further reading

Apply for Mortgage Broker Desk