The Smart Way to
Invest in Mortgages

Fundscraper Property Trust Mortgage Pools aim to provide stable monthly income with minimal volatility.

Attractive Returns

Our community of investors can view offerings targeting net annual returns (net of fees) of 7-12%.

Lower Investment Minimums

First position mortgage pools are a compelling alternative to traditional stock and bond assets in a diversified investment portfolio.

A More Diverse Alternative

Protect your investment with an asset class that experiences less volatility than the stock market and generally outperforms low risk GICs.

Mitigated Risk

While our secured mortgage asset pools aren’t guaranteed or insured, they’re reflective of risk tolerance and backed by real estate.

Featured Listings

Fundscraper Property Trust - Torrance Woods - Class BW

12 Months
Investment Term
$5,000
Min. Investment (CAD)
7.75%
Projected Annual Return

Fundscraper Property Trust - Victoria Ave - Class BU Units

12 Months
Investment Term
$5,000
Min. Investment (CAD)
7.25%
Projected Annual Return

Fundscraper Property Trust - Culver Drive - Class BQ Units

12 Months
Investment Term
$5,000
Min. Investment (CAD)
7.5%
Projected Annual Return

Fundscraper Property Trust - Atwater Path - Class BK Units

3 Months
Investment Term
$5,000
Min. Investment (CAD)
7.25%
Projected Annual Return

Grenon Avenue - Class BO Units

12 Months
Investment Term
$10,000
Min. Investment (CAD)
7.0%
Projected Annual Return

Access to Canadian First Mortgages

An investment opportunity to fund first mortgages generally registered against single-family and multi-family residential assets in established neighbourhoods in Canada. Mortgage terms are typically 6 to 18 months, which minimizes real estate price fluctuation risk, interest rate risk, and duration risk.

 Class and Series of UnitsLocationAsset TypeProjected Net ReturnSecurity PositionLTVUse of FundsInitial Term (months)Expected Maturity DateStatus

Torrance Woods Class BWBrampton, ONSingle-family Residential7.75%1st69.00%Purchase12April 1, 2023In Good Standing
Harmony Avenue Class BVNiagara Falls, ONSingle-family Residential7.25%1st65.00%Purchase12July 1, 2023In Good Standing
Greenery St Class BTOakville, ONSingle-family Residential7.50%1st69.02%Debt Consolidation6November 6, 2022In Good Standing
Victoria Ave Class BUWindsor, ONSingle-family Residential7.25%1st65.00%Refinancing12December 1, 2022In Good Standing
Avenue Road Class AQToronto, ONMulti-family Residential6.99%1st65.00%Refinancing12March 1, 2023Refinanced with new maturity date
Hemlock Class AOWaterloo, ONMulti-family Residential8.00%1st70.00%Purchase12June 1, 2023Refinanced with new maturity date
Cloverleaf Class AWBurlington, ONSingle-family Residential7.25%1st64.95%Debt Consolidation12July 1, 2022Repaid
Bowmanville Class AYBowmanville, ONSingle-family Residential7.50%1st73.68%Purchase12August 1, 2022Repaid
Gore Class AHCaledon, ONSingle-family Residential8.25%1st75.00%Refinancing6April 1, 2023Repaid
Grenon Class BOOttawa, ONSingle-family Residential7.00%1st59.75%Refinance12August 1, 2022Repaid
Quail Run Class ASOshawa, ONSingle-family Residential7.50%1st75.46%Refinancing12January 1, 2022Repaid
William St Class ATLondon, ONSingle-family Residential6.49%1st74.78%Purchase6November 1, 2021Repaid
Charles Class AULondon, ONSingle-family Residential7.50%1st70.00%Purchase12June 1, 2022Repaid
Gracewood Class AVOttawa, ONTwo-storey semi-detached Single Family6.99%1st69.63%Refinancing12April 1, 2022Repaid
Hickson Class BGOttawa, ONSingle-family Residential7.50%1st68.81%Purchase12October 1, 2022Repaid
Ridley Class BHDundalk, ONSingle-family Residential7.50%1st65.39%Purchase12November 1, 2022Repaid
Berney Class AMCaledon, ONSingle-family Residential6.00%1st54.31%Purchase and New Build12November 1, 2021Repaid
West Mall Class AOToronto, ONMulti-family Residential8.00%1st66.00%Debt Consolidation12November 1, 2021Repaid
Kingbird Grove Class AFScarborough, ONMulti-family Residential8.25%1st69.35%Purchase6February 1, 2021Repaid
Roehampton Class ANToronto, ONMulti-family Residential8.00%1st57.14%Purchase12May 1, 2021Repaid
William St Class AKShelburne, ONSingle-family Residential8.00%1st67.50%Purchase12December 1, 2021Repaid
Albion Class AMLondon, ONSingle-family Residential8.00%1st69.00%Debt Consolidation12July 1, 2021Repaid
Minot Class AJThunder Bay, ONSingle-family Residential8.00%1st59.15%Refinancing5August 1, 2021Repaid
Dunrobin Class ALOttawa, ONSingle-family Residential7.75%1st65.00%Purchase12October 1, 2021Repaid
Atwater Class BKOshawa, ONSingle-family Residential7.50%1st72.00%Purchase6March 1, 2022Repaid
Culver Terr Class BQLondon, ONSingle-family Residential7.50%1st73.67%Purchase12October 1, 2022Repaid

How Mortgage Investing Works

1.

Invest through our fully digital platform.

Create an account, choose an investment, and add it to your portfolio. We offer a free strategy session to help you get started. Tell us a bit about yourself and we’ll build a plan together.

2.

Diversify your portfolio, effortlessly.

You subscribe for units of the Trust. The Trust invests the capital, through a limited partnership, into well-priced, well-located residential first mortgages. As borrowers repay those mortgages to the limited partnership, the Trust then distributes payments to you!

3.

Earn stable monthly income.

As mortgagees repay principal and interest to the Trust, the Trust passes on the payments to our investors in the form of monthly and quarterly distributions. That’s money directly in your pocket.

4.

Track your progress and watch your wealth grow.

Check on your investments with confidence. We aim to deliver an unmatched level of transparency and reporting through regular updates displayed within your investor dashboard.

Still not sure how to get started? That’s okay! Call us for a free consultation right now: 1-888-281-2235. Seriously, call us. We want to help and can answer all of your questions.

Testimonials from Our Community

John D.

Former CTO, Toys R Us Canada

Fundscraper provides access to investments that have traditionally been limited to only the few.

Michael C.

Retired, Former Head of Construction of a Publicly Traded REIT

Thank you Fundscraper for delivering stable monthly distributions!

Andre Kuzmicki

Adjunct Professor at the Brookfield Centre in Real Estate and Infrastructure, Schulich School of Business

To date I have made several investments on the Fundscraper platform with excellent results …

FAQs

See our Offering Memorandum, Approval Process for Mortgage Investment Opportunity  

When we “pre-vet” something offered on our website, we are telling you that we have studied and examined it and based on that we have  determined it is a worthwhile opportunity that would be suitable for certain members of our community.  What might be suitable for some members may not be suitable for others.  We’ll help you understand what deals on our site are most “suitable” for you based on what you’ve told us about yourself. 

See our Offering Memorandum, Approval Process for Mortgage Investment Opportunity

 “Due diligence” is our detective work!  It is one of the early steps we take to determine whether or not an opportunity is suitable for our community.  “Due diligence” is a  comprehensive appraisal of an investment opportunity by Funscraper to establish and evaluate its potential as a good or bad investment.  As an investor in Fundscraper you rely on our due diligence when we conclude the investment is “suitable”!

See our Offering Memorandum, Redemption of Units 

If you have invested in Fundscraper Property Trust, you’ve invested in pools of mortgages through the Trust.  Mortgages, by their nature, are “long term” investments.  If you need your money in the near future, then a mortgage is not an appropriate investment – the return on mortgages is enjoyed over years, not months or days.  It is expensive for us to invest in mortgages – there is a great deal of “due diligence” associated with “pre-vetting” the opportunity to assess its suitability for our platform.   If you have to cash out early, then we charge you a small fee to compensate us for the work we’ve done creating the investment opportunity.  This small fee is the “redemption discount” though we do not call  it a “discount” – it’s a fee.  The longer your money remains with us, the smaller the redemption fee is over time. The fee is 5% of the total redemption price if you redeem your units in the first year and goes down to nil after the fifth anniversary of your purchase. The managers of Fundscraper Property Trust do have the ability to waive the redemption fees on a case by case basis.

With respect to an investment by the Trust, there is no “minimum term”  – the terms of the mortgages or other real estate assets we invest in vary widely and we endeavour to pass on the flexibility to our investors so they can invest in opportunities as offerings occur on the platform. 

We expect our investors to invest for the medium to long term.  If you need to cash out before the maturity of an offering or before the term of investment expires, we can charge a small fee against the Redemption Price (which is the original purchase price).  The fee is to compensate us for the work we’ve done bringing the opportunity to the Platform. 

See our Offering Memorandum, Redemption of Units.

See our Offering Memorandum, Approval Process for Mortgage Investment Opportunity

We protect our investors through stringent underwriting and review. The investments made by the Trust are secured against real estate and the value of our investments is always less than the security we’ve negotiated to secure the investment.

Fundscraper Property Trust is a “continuous” offering meaning that we are always open to investors.  We aim to do a formal closing the first day of each month.  Sometimes, due to holidays, our “closing” is scheduled for the middle of the month instead of the 1st of the month.  

See our Offering Memorandum, Approval Process for Mortgage Investment Opportunity

We protect our investors through stringent underwriting and review. The investments made by the Trust are secured against real estate and the value of our investments is always less than the security we’ve negotiated to secure the investment. Some of our offerings have shorter terms, and some have longer terms to help investors manage duration risk.  Often times, we have on hand an interest reserve from the borrowers of underlying mortgages to ensure interest payments can still be received in case of borrower default, giving the loan administrator enough time to remediate the defaulted mortgage or exit a mortgage.  We do try to provide investors with a diverse selection of offerings that meet their investment objectives, return expectations and risk tolerance. 

See our Offering Memorandum, Redemption of Units

The asset manager always has discretion in respect of redemptions. The use of such discretion is exercised on a case-by-case basis. 

See our Offering Memorandum, Redemption of Units

If you have invested in Fundscraper Property Trust, you’ve invested in pools of mortgages through the Trust.  Mortgages, by their nature, are “long term” investments.  If you need your money in the near future, then a mortgage is not an appropriate investment – the return on mortgages is enjoyed over years, not months or days.  It is expensive for us to invest in mortgages – there is a great deal of “due diligence” associated with “pre-vetting” the opportunity to assess its suitability for our platform.   If you have to cash out early, then we charge you a small fee to compensate us for the work we’ve done creating the investment opportunity.  It’s not a “penalty” – it’s a fee for our services. The longer your money remains with us, the smaller the redemption fee is over time. The fee is 5% of the total redemption price if you redeem your units in the first year and goes down to nil after the fifth anniversary of your purchase. 

Yes. There are two documents you should (“must” your mother would say!) review.  The first is our Offering Memorandum.  This is a long document that tells you our story and what you need to know about the investment you are about to make.  We have spent a great deal of time preparing this document for you and we really want you to read it!  The second thing you should read is the “Supplemental” that comes with the Offering Memorandum.  It describes to you the particular investment you want to purchase.  The third document you should read is the “Terms and Conditions of Subscription” – if you choose to purchase units in our Trust, then this document sets the terms of our purchase and sale.

Do you have a question?

Terence Cheng

Vice-President, Operations,
Dealing Representative

Terence Cheng, has 10+ years of real estate investing experience in both the Canadian and Asia Pacific markets. Formerly serving as a Development Analyst at RioCan REIT, Canada’s largest real estate investment trust, he managed a multi-million dollar national commercial development pipeline with projects ranging in size from 5,000 sq.ft. to over an aggregate of 1,500,000 sq.ft.

Sam Higgins

Investment Sales Associate,
Dealing Representative

Sam Higgins is a McMaster University Graduate where he studied economics and finance. Before joining Fundscraper Sam was working as an investment associate at CIBC assisting an investment advisor with client related performance reports as well as executing trades. He also previously had an internship at a fin-tech firm focusing on automated payments and prepaid credit cards.

Jennifer Mercieca

Investment Sales Associate,
Dealing Representative

Jennifer is a McMaster University Graduate where she studied finance and obtained a Bachelor of Commerce degree. Before joining Fundscraper Jennifer was working as an investor relations associate at SS&C Technologies, providing IR services for various asset management firms. Prior to that, Jennifer also worked summer internships at Industrial Alliance in the Group Savings & Retirement department.

Resources

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The wealthiest investors all have one thing in common: They invest in real estate. You can do it, too, even if you can’t afford a

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