It's simple. Higher income.
- 7.5% Annual Return
- Monthly USD$ Dividends
- Mortgage Secured
Investment
Now available to
U.S. investors
Through the EquityLine Capital (Delaware) LP, U.S. investors can
access a mortgage investment structure that exists only in Canada.
Mortgage investment corporations (MICs) are federally enacted and
provincially regulated entities, providing flow-through distribution to
investors. MICs are growing in popularity as a credible segment of
Canada’s $1.73 trillion residential mortgage market.
Our Investment Strategy
Reduces Risk
We preserve capital while generating consistent monthly dividends
through an historically proven investment strategy that mitigates risk.
Rigorous underwriting policies and practices
EquityLine only lends to credible, qualified borrowers. Our underwriting policies and practices have been reviewed and approved by a Tier 1 Canadian Bank.
Short-term loans on residential homes (less than 12 months)
By focusing on short-term loans only, EquityLine significantly mitigates the effects of real estate market dips or corrections. Mortgage loans historically average 8 months, never more than 12 months.
Maximum 80% LTV (loan-to-value)
This leaves a minimum 20% buffer in case of real estate market fluctuations. Historically, EquityLine’s mortgage portfolio LTV ratio is 73%.
Focus on residential home mortgages within the GTA
Residential mortgage defaults are historically lower than commercial or industrial mortgages. The Greater Toronto Area (GTA) continues to drive strong quality mortgage demand.
Experienced management team guided by an independent board of directors
EquityLine management team has over 100 years of real estate and investing experience. The team is supported by an independent board of directors with extensive knowledge of financial services, regulatory matters, and publicly traded reporting experience.
Qualified investors can invest $5,000 or
more
EquityLine MIC Series B or Series F
preferred shares
Series B Preferred Shares
- Available through exempt market dealers
- 8% cumulative annual dividend, target 10%, paid monthly
- Eligible for registered plans
Series B Preferred Shares
- Available through financial advisors (IIROC) and portfolio managers
- 8.5% cumulative annual dividend, target 10%, paid monthly
- Eligible for registered plans
- Monthly redemptions
Learn more about our offerings
Frequently asked questions
Investors either have to be accredited investors or are limited in how much they can invest to no more than 10% of the greater of the person’s (alone or together with a spouse) annual income or net worth, excluding the value of the person’s primary residence and any loans secured by the residence (up to the value of the residence).
.The General Partner of the EquityLine Capital LP charges an annual fee of 0.5% of funds under management.
Distributions from your EquityLine Capital LP investment are taxed as interest income. Speak with your tax advisor for more information.
Most people buy and hold their investments in EquityLine Capital LP. However, you can redeem your investment subject to the conditions specified in the Offering Circular.
The EquityLine Capital LP invests primarily in Notes (debentures) from EquityLine MIC, which lends funds to qualified borrowers secured by a mortgage (debt) on their property. The Notes pay a fixed return to the EquityLine Capital LP and do not deviate regardless of changes in the Canadian housing market.
U.S. Investor Portal
Visit our EquityLine Capital LP portal for more information and how to invest.
For an in-depth look at the MIC
opportunity and EquityLine’s
approach, read our book
Mortgage Investment Corporations: Uniquely Canadian & Globally Available
