Sure Mortgage Capital’s unique market position has allowed us to produce returns that have averaged in excess of 8% per annum*. On a relative basis we attempt to achieve a return of approximately 8-10 % which strikes a successful balance between risk and reward.

Although historical performance is not an assurance of future returns, at Sure Mortgage Capital, we constantly monitor economic trends and attempt to align our lending practices to maximize returns and minimize the potential for loss of principal. At times, including most recently during this past recession, we will shift our portfolios to more defensive positions, as our pursuit of return ranks second to our objective to preserve your capital.

*Past performance is no indication of future returns.

Regardless of the type of mortgage transaction, investment success requires an in depth understanding of the underlying real estate on a case-by-case, market-specific basis. We underwrite a multitude of real estate and security risk factors including the borrower’s track record, the economics of the project being funded, professional third party assessments, micro and macro market factors, security of each loan beyond the project and probable exit strategies. This formula of funding well-secured first and second mortgages has provided consistent rates of return to investors since our inception.

In addition, our investment approach is oriented towards the traditional real estate in major urban markets. Assets in these markets tend to be the most liquid, have the best understood property values and the greatest selection of exit strategies.

Private mortgage investments are not risk free. Investments in mortgages are subject to risks including liquidity, fluctuations in real property values, occupancy rates, operating expenses, interest rates and other factors. Mortgage investments are not suitable for investors who cannot afford some measure of risk in connection with their investments. Before investing, you should always read the offering documents carefully.

Yes. There is a minimum requirement of Fifty thousand dollars due to the significant administration time involved with each new investor. Although we strongly suggest a trial investment to ensure people are comfortable with our services.

Each month a wire transfer will be sent to your bank account with the interest earned. It’s that simple.

You can reinvest profits but because you will receive payments monthly, you would be required to send those funds back to us as new capital commitment. We will only accept new capital if we have quality projects to fund. We do not keep large reserves, sometimes asking investors to hold money. The reasoning is simple, we don’t want returns dragged down by idle money and we will not allow ourselves to approve loans we shouldn’t in order to get money invested.

Returns will be taxed as interest income from Canadian sources.