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Put Cash or RRSP into a Secured Canadian Mortgage.

You become the lender. Capital moves through a lawyer's trust. The mortgage is registered in your name — or your self-directed RRSP/TFSA. Typical minimum $25,000. Terms and current opportunities are reviewed on a 30-minute pipeline call, not published as a yield.

Book a Pipeline Review See How It Works
1

Review Deals

See vetted opportunities with property details and LTV safety margins

2

Legal Funding

Capital moves through a lawyer's trust. Mortgage registered in your name.

3

Receive Payments

Interest is paid directly to you. Principal is returned at term end per the mortgage agreement.

"You do not wire a borrower. Funds move through a lawyer's trust, and the charge is registered before you are at risk."

Why Private Lending

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.

Regular Interest Payments

Receive interest payments monthly or quarterly directly to your account, secured by a registered mortgage on Canadian real estate.

Asset-Backed Security

Your investment is secured by a legal mortgage registered against the property title.

Registered Funds Eligible

Use your self-directed RRSP or TFSA for tax-sheltered private mortgage interest income.

Social Impact

A portion of our lending is directed toward projects that solve homelessness and housing shortages.

How It Works

A Hands-Off 3-Step Process

1

Review Opportunities

We present you with vetted deals. You see the property, the borrower's profile, and the LTV safety margin.

2

Legal Funding

Capital is moved through a lawyer's trust account. The mortgage is registered in your name at the land registry.

3

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.

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Partnership & structure proof

14.2% IRR

Amir

GP/LP Partnership for a 48-Unit Calgary Apartment

Current opportunities

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

Prefer to talk now? Book a pipeline review · Prefer to talk? Call 1-226-783-1640

By joining, you agree to receive capital opportunity emails from LendCity Mortgages. You can unsubscribe at any time.

Book 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

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

GMT+00:00

Timezone

August 2026

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Available Times

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Trusted by Investors

What Our Clients Say

4.8/5 (116 Google reviews) — LendCity Mortgages

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FAQ

Private Lending FAQ

How private mortgage lending works with LendCity — process, protection, registered funds, and what we will not put on this website.

Safety & Process

Private lending opportunities typically start at $25,000. Some larger files need more. The exact cheque size depends on the mortgage, not a published product menu.
You (or your registered plan) hold a legal mortgage on the property. In default, the provincial Power of Sale or foreclosure process is how the property can be sold to recover principal and unpaid interest. Recovery is not guaranteed — it depends on value, priority, costs, and time.
Most private mortgages we discuss are short-term, 6 to 24 months. Interest may be paid monthly, quarterly, or structured another way in the mortgage. That is reviewed on the call for the specific file.
Capital should move through a lawyer's trust account. The mortgage is registered at the land registry in your name or in the name of the self-directed plan. You should receive the registered charge and the solicitor reporting letter — not a wire to a personal account.
We discuss conservative loan-to-value bands and whether the charge is first or subsequent. First position with a meaningful equity cushion is the starting conversation. Second mortgages carry more risk. We do not publish a promised LTV or rate on this page.

Accounts, eligibility, and LendCity's role

Yes, when the mortgage is eligible and you have a self-directed RRSP or TFSA whose trustee administers private mortgages. The loan generally must be arm's length. Standard bank RRSPs cannot hold these. Download the checklist or book a review to walk through trustee steps.
It depends how the opportunity is structured. Some private mortgages are straightforward secured lending. Others can engage securities law (NI 45-106). We discuss eligibility on the call. If a registered dealer is required, that is the channel — not a website form.
A Mortgage Investment Corporation pools capital and you own shares. Direct private lending registers a mortgage in your name (or your plan's name) on a specific property. MICs are more diversified and less hands-on. Direct lending is deal-by-deal. See our MIC vs direct guide if you are choosing.
No. LendCity Mortgages is a licensed mortgage brokerage. We connect capital providers with real estate lending opportunities. This page is not an offer to invest and not investment advice.
Thirty minutes with Scott. You cover capital range, cash vs registered funds, timeline, and how lawyer's-trust funding works. If something in the current pipeline is a fit, you see structure, LTV band, term, and property type — not a public yield quote.

Have more questions about security or RRSP lending?

Talk to an Expert
Book A Strategy Call 4.8/5 (116 Google reviews)

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