Invest in your future with real estate.

Invest with your Tax Free Savings Account (‘TFSA’) instead of having your savings sit idle. Sign up for a free account to browse real estate investments to generate tax free earnings potential from your TFSA.

Benefits of Using TFSA to Invest in Real Estate

TFSA’s work like a brokerage trading account except whatever you earn is tax-free. Most people don’t realize they can invest in private mortgage investment entities and other real estate portfolios through their TFSA accounts.

Tax-Free Investment Income

You won’t be taxed on gains you’ve made in the account when you make withdrawals allowing for flexibility if you need access to the funds.

Your Income Does Not impact Contribution Limit

Unlike an RRSP, your income does not impact your available contribution limit and unused limits do not expire.

An Easy Withdrawal Process

Unlike RRSPs, you do not need to deal with issues like withholding taxes, buying annuities, or opening RRIFs.

Diversify your Investments

A study in 2012 by investment research firm Robert W. Baird* noted that replacing 20% of traditional stock and bond portfolio with real estate cut volatility by 10% while also increasing returns.

Enhance your Returns

The benefits of owning real estate are demonstrated by the NCREIF property index, which has produced 8.8% annual returns over the last 15 years, far exceeding the 6-7% annual returns of the S&P 500 over the same period.

Generate Passive Income

Real estate may offer higher yields than traditional fixed-income investments – especially during periods of low-interest rates. It may also produce stable cash flow for retirement planning – helping secure your nest egg.

Tax-Free Investment Income

You won’t be taxed on gains you’ve made in the account when you make withdrawals allowing for flexibility if you need access to the funds.

Your Income Does Not impact Contribution Limit

Unlike an RRSP, your income does not impact your available contribution limit and unused limits do not expire.

An Easy Withdrawal Process

Unlike RRSPs, you do not need to deal with issues like withholding taxes, buying annuities, or opening RRIFs.

Diversify your Investments

A study in 2012 by investment research firm Robert W. Baird* noted that replacing 20% of traditional stock and bond portfolio with real estate cut volatility by 10% while also increasing returns.

Enhance your Returns

The benefits of owning real estate are demonstrated by the NCREIF property index, which has produced 8.8% annual returns over the last 15 years, far exceeding the 6-7% annual returns of the S&P 500 over the same period.

Generate Passive Income

Real estate may offer higher yields than traditional fixed-income investments – especially during periods of low-interest rates. It may also produce stable cash flow for retirement planning – helping secure your nest egg.
*Historical performance does not guarantee future returns. Investing in real estate is risky and you should always seek professional advice including tax advice before investing.

TFSA Eligible Offerings in Our Marketplace

Access alternative real estate investments opportunities that have a track record of offering net annual returns from 7 – 13%*. Diversify the earning potential of your savings and consider investing your TFSA in real estate. Fundscraper is Canada’s premier online private real marketplace aiming to help investors diversify their portfolio into pre-vetted real estate offerings.
*Historical performance does not guarantee future returns. Investing in real estate is risky and you should always seek professional advice including tax advice before investing.

District REIT

0 - 5 Years
Investment Term
$10,000
Min. Investment (CAD)
11.0% - 13.0%
Projected Annual Return

Centurion Apartment REIT

Open
Investment Term
$25,000
Min. Investment (CAD)
7.0% - 12.0%
Projected Annual Retrun

Avenue Living Real Estate Core Trust

Open
Investment Term
$5,000
Min. Investment (CAD)
8.0% - 12.0%
Projected Annual Retrun

NEST Capital MIC

24 Months
Investment Term
$1,000
Min. Investment (CAD)
10.0%
Projected Annual Retrun

RESCO MIC

Open
Investment Term
$10,000
Min. Investment (CAD)
8.0%
Projected Annual Return

CMI MIC - Balanced Mortgage Fund

12 Months
Investment Term
$5,000
Min. Investment (CAD)
8.0% - 9.0%
Projected Annual Retrun

How can you start?

Get consistent, tax free passive income with alternative investments in real estate. Here’s how:

1.

Determine TFSA Contribution Limit

Find out what your maximum contribution limit and available room you have to invest in a TFSA by logging into your “MYCRA” account.

2.

Browse Options for Free

Create a free account to get a tailored list of investment opportunities. Review the offering documents and connect with our licensed experts to discuss your options.

3.

Invest Seamlessly

Open a self directed TFSA account with Olympia Trust on our platform. Fund the account with cash or transfer from an existing TFSA. The Trust will then invest in the selected offering on your behalf.

4.

Earn Tax Free Income

Receive updates and enjoy passive returns until the completed term or re-invest for compound growth.

FAQs

Fundscraper was founded in 2013 and is a Toronto based online real estate investing platform. Fundscraper commenced commercial operations upon obtaining its registration as an “exempt market dealer” from the Ontario Securities Commission in January 2017.

Fundscraper generally earns an interest rate spread on the mortgage investments and these fees can vary project by project. We disclose all of our fees in the offering materials and investment summaries.

If you invest registered funds, say for example from an RRSP or TFSA, then the trust company who manages your registered account will charge fees for the transaction and account maintenance fees. We include the trust company’s relevant fee schedules on each project offering under the Documents section.

We are subject to a legal obligation to determine whether persons who are interested in issuer’s offerings are qualified to participate in them. When you create an account on our platform, we assess as part of our regulatory duties whether or not you are qualified to invest and whether the investment is suitable for you.

The “stock market” is public equity trading and no one can say for sure you will do better, however, when it comes to investing, conventional wisdom tells us that a truly diverse investment portfolio should include an allocation to private market investment that includes private real estate investment. 

  1. Annual Account Maintenance Fee: $175 / year 
  2. Security Purchase fee: $75 / anytime an investment purchase is made 
  3. Partial transfer out fee: $75 / anytime a partial transfer out is made 
  4. Full account withdrawal fee: $250 

*Fees will have additional HST charged against the above.

This really depends on how much real estate is in your overall investment portfolio. You should always aim to diversify your portfolio and not overexpose your portfolio with too much weighting in a single investment asset class. Speak to one of our dealing representatives to learn more about concentration risks!

The principal differences are liquidity and availability of investment information.  You can easily sell your public company REIT units whenever you want on the stock exchange with a real time value of the units; private REIT units have restrictions on redemption and transfers.  Public REITs will regularly provide standard reporting information to you whereas a private REIT may have limited reporting obligations.  Always review the risk factors of each investment offering in detail to better understand the risks of investing in private real estate.

Need to talk to us directly? Contact us

Your registered investment account savings are your nest egg. Be careful with how you employ and invest these funds. Not everyone knows how to invest TFSA funds. Work closely with reputable dealers to first determine whether investing in private mortgage securities is suitable for you.

Luan Ha

CEO,
Dealing Representative

Luan Ha, MBA, has 15+ years of experience in commercial and mixed use real property development. Formerly serving as the AVP, Development at RioCan Management Inc., Luan oversaw a $3 billion commercial mixed use project pipeline that spanned across all of Canada in a variety of real estate asset classes.

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.

Helpful Resources

Blog
Gregory M. Colford, B.A., J.D., C.I.M.®

How to Invest TFSA

Private real estate investment is too often overlooked in an investment world dominated by hedge funds, ETFs, Principal Protected Products, publicly traded shares, and bonds.

Read More »

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