Why Smart Investors Choose Private Lending
Institutional investors have used private debt for decades. We've opened the door for individual Canadian investors to access the same asset-backed security — discuss terms and current deals on a strategy call.
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Regular Interest Payments
Receive interest payments monthly or quarterly directly to your account, secured by a registered mortgage on Canadian real estate.
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Asset-Backed Security
Your investment is secured by a legal mortgage registered against the property title.
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Registered Funds Eligible
Use your self-directed RRSP or TFSA for tax-sheltered private mortgage interest income.
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Social Impact
A portion of our lending is directed toward projects that solve homelessness and housing shortages.
“You do not wire a borrower. Funds move through a lawyer's trust, and the charge is registered before you are at risk.”
A Hands-Off 3-Step Process
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Review Opportunities
We present you with vetted deals. You see the property, the borrower's profile, and the LTV safety margin.
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Legal Funding
Capital is moved through a lawyer's trust account. The mortgage is registered in your name at the land registry.
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Receive Payments
Interest is paid directly to you. At the end of the term, your principal is returned or rolled into a new opportunity.
Researching first?
Download the RRSP / TFSA private-mortgage checklist: trustee setup, arm's-length rules, and what to review before you lend. Then join the pipeline or book a review.
How capital gets put to work
These Canadian deals show lawyer’s-trust funding, bridge structures, and partnership capital — not a live lending menu.
Join the capital pipeline
Get notified when vetted private mortgage or development partnership opportunities open. We share deal structure, LTV band, term, and property type — not published yield promises.
- Private mortgages from ~$25,000 (cash, RRSP, or TFSA where eligible)
- Development equity partnerships from ~$100,000
- Lawyer's trust funding and mortgage registered in your name on lending deals
Looking for a private mortgage as a borrower?
This page is for capital providers who want to lend. If you need bridge, first, or second mortgage financing, start on our private mortgage financing page — not Apply Online from here.
Private mortgage financingBook a Pipeline Review with Scott
Tell us your capital range, whether it is cash or RRSP/TFSA, and your timeline. Scott will walk through how funding works and whether a current lending opportunity fits — no published yield on this page.
Scott Dillingham
Founder & CEO
Capital Pipeline Review
Review capital range, RRSP vs cash, and how a lawyer's-trust funding works. Thirty minutes with Scott — not a homeownership call.
30 minutes
Duration
Eastern Time
Timezone
September 2026
Available Times
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“Scott and Kirann were fantastic to work with. This was our first home purchase and along with planning a wedding, honeymoon, and still working our full-time…”
“Kelly and the team are fantastic to deal with and work with would highly recommend to any Client or broker looking for a fantastic lender.”
“I can't recommend Gillian Irving and Scott Dillingham at LendCity™ highly enough. My husband and I worked with them on a surprise purchase that ended up being…”
“I recently worked with Scott and Aya on a mortgage transaction and had a positive experience. They were knowledgeable, responsive, and focused on achieving…”
“Scott & Kirann were incredibly helpful, professional, and kind throughout the entire process of securing my first mortgage. Both agents have a wealth of…”
“Scott and Aya were very helpful with the purchase of our first home! Got us a great rate with no stress!”
“Great working with Lend City Mortgages! I truly appreciate how Scott and Kirann handled the entire process—professional, efficient, and always on top of…”
“LendCity™'s Scott Dillingham and Kirann Sharmaa went up, over and beyond helping me with all the fine details of the mortgage process as well as locking in the…”
Private Lending FAQ
How private mortgage lending works with LendCity™ — process, protection, registered funds, and what we will not put on this website.