Reach out.
Send a quick email to Dave at LendFit. We'll set up a confidential intro call to understand your goals, capital availability, and timeline.
Become a private investor with Canada West Mortgage. Fund secured mortgages across Alberta & BC, earn monthly returns, and partner with a 20-year network of lenders that's quietly outperforming the market.
For two decades, Canada West Mortgage has originated private mortgages for homeowners across Western Canada — and quietly delivered exceptional returns to the investors who funded them.
The opportunity is straightforward. We source, underwrite, and service mortgages secured against real residential property in Alberta and British Columbia. Investors provide the capital. Borrowers — homeowners with real equity — pay monthly interest. You receive your share, paid monthly, at 10–15% annualized.
It's not a fund. It's not a fintech promise. It's the oldest form of secured lending there is — done by a team that has been doing it through every market cycle since 2004.
Our borrowers are real people: self-employed Calgary tradespeople refinancing during a slow quarter, retirees in Kelowna unlocking equity for grandkids' tuition, families pausing a foreclosure long enough to sell on their own terms. Every loan is secured by the home itself, with conservative loan-to-value ratios and a 20-year track record of careful underwriting behind it.
If you're looking for yield that doesn't depend on a public market's mood — and you'd rather see your principal sitting behind a deed than a screen — this is worth a conversation.
The structure has stayed simple by design. Here's what every investor partnership looks like.
A clear, no-pressure process. We do the work — you receive the returns.
Send a quick email to Dave at LendFit. We'll set up a confidential intro call to understand your goals, capital availability, and timeline.
We complete the standard accredited-investor onboarding — quick, compliant, and entirely confidential. Most investors finish this in under a week.
We share underwritten loan opportunities matching your criteria — property, LTV, term, target return. You approve every loan before your capital is committed.
Funds close, mortgage registers on title, monthly payments begin. Statements arrive each month. At end of term, principal returns to you.
Every dollar invested is registered against a real property. Your capital isn't a screen entry — it sits behind a deed in Alberta or BC, in markets the team has worked since 2004.
Our 98% borrower success rate isn't an accident — it's the product of two decades of careful loan selection, conservative LTVs, and deep local market knowledge.
Not "annual," not "at maturity" — every month. Interest payments land on a schedule, making cash-flow planning straightforward whether you're supplementing income or compounding into the next deal.
Mortgage returns are driven by local real estate fundamentals and borrower performance — not S&P sentiment, fed minutes, or tech sector earnings calls. A real diversifier.
You see every loan before you fund it. Property details, borrower profile, LTV, term, target return — full disclosure, no commingling, your decision every time.
No call centres, no portals, no relationship managers reading from scripts. You speak directly with the people sourcing, underwriting, and servicing your loans.
Minimums vary by opportunity and are typically set at the loan level. Most loans accommodate investments starting in the low six figures, though larger commitments are common and welcomed. We'll discuss specifics on the introductory call to make sure we're matching the right opportunities to your goals.
Every loan is registered as a mortgage charge against title to a specific residential property in Alberta or British Columbia. Your position is recorded with the provincial land titles office — the same way a bank's mortgage would be.
Loan-to-value ratios are set conservatively, giving meaningful equity cushion below your position even in a down market.
Target annual returns range from 10% to 15%, depending on the loan's LTV, term, position (first or second mortgage), and borrower profile. Higher-yield opportunities reflect higher-LTV or shorter-term loans; lower-yield opportunities reflect conservative LTVs and longer terms.
Interest is paid monthly. Principal is returned at the end of the agreed term.
Most loans run 1 to 3 years. We typically have terms as short as 1 year available. Some investors prefer to roll their capital into new loans as each term matures; others prefer to draw funds out — both options are available at maturity.
It's rare — our underwriting has held a 98% success rate over two decades — but when it happens, the secured-mortgage structure protects you. The standard remedies (collection, power of sale, foreclosure) are available to recover principal and accrued interest from the property itself.
We handle the workout process end-to-end. You're never asked to manage a default yourself.
Private mortgage investments are offered to accredited investors as defined under Canadian securities law (NI 45-106). We'll confirm eligibility during onboarding and provide everything you need to qualify, which most investors complete in under a week.
You're not buying units of a pooled fund. You're investing in specific, individually-selected loans — one at a time, with full visibility into the underlying property, borrower, and structure before you commit.
No management fees skimming returns. No commingled capital. No fund manager deciding for you. Just direct, transparent, secured lending.
Use the Apply to Invest button at the top of the page or the Email Dave to Apply button below — both will open a pre-filled message to Dave. Include a brief note about your interest and approximate capital availability. We'll schedule a confidential 20-minute intro call to walk you through current opportunities and answer any specific questions.
No pressure, no obligation. Just a conversation.
Send Dave a note. He'll respond personally within one business day to set up an introductory call.
Email Dave to Apply →