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HTCapital MIC focuses on capital preservation and consistent returns by investing in a diversified pool of conservative, non-institutional mortgages. Backed by real estate and managed by a team with decades of experience, our funds have consistently delivered stable, above-average performance.

HTCapital MIC is open to accredited investors seeking stable, income-generating investments. Our funds are eligible for RRSP and TFSA accounts, making them a tax-efficient way to diversify portfolios with real estate-backed assets.

We specialize in alternative mortgage solutions for borrowers who don’t fit traditional bank guidelines. That includes financing for self-employed individuals, stated-income borrowers, and credit-challenged clients, with both 1st and 2nd mortgages available.

HTCapital provides financing for residential properties across major metropolitan areas in BC, Alberta, and Ontario. We finance a wide range of property types (excluding farms) with loan-to-value ratios of up to 70%.

Our streamlined underwriting process is designed for speed and efficiency. Most deals are structured and approved quickly, ensuring borrowers and brokers avoid unnecessary delays while still receiving flexible, tailored solutions.