AP Capital

AP Capital is a private mortgage lender focused on clients whose primary security is residential real estate and who may not fit traditional bank guidelines, but have a reasonable story and clear exit plan. This includes: Salaried and self-employed borrowers Clients with unique income documentation or credit histories Strong equity positions needing short-term or bridge financing We look at the overall strength of the file: borrower, property, and exit strategy together. Rather than relying on any single data point. In addition to owner-occupied homes, we consider well-located rental and investment properties that meet our marketability and loan-to-value expectations. We regularly fund short-term private mortgages for rental acquisitions, equity take-outs, and bridge situations where a clear exit strategy is in place. We primarily lend in Western Canada, with a focus on British Columbia and Alberta. Within these provinces, we prioritize marketable residential properties in established communities and urban centres where there is stable demand and clear refinance or resale potential. Asset-rich with variable income Professionals who value speed and clarity Creditworthy. Average credit score of 719 Retirees, business owners, & real estate investors Major urban areas in B.C & Alberta Primarily single family homes & serviced lots Will consider: townhomes, condos, multi-family Emphasize quality and liquidity of the underlying Residential 1st & 2nd mortgages Typically 1-year, open terms Max loan-to-value 75% Rates: 1st from 6.95% | 2nd from 8.45%*