Investors

Diversify your investment portfolio by investing in mortgages supported by our trusted expertise.

Why Invest with Spark?

We offer investors a unique opportunity to diversify beyond the stock market through income-producing, secured mortgage investments.

Benefits of Investing with Spark

Investing with Spark offers the benefits of reliable returns and portfolio diversification, enhancing your financial strategy with secure mortgage investments and expert guidance.

Real Estate Security

Your investment is directly secured by Canadian real estate, historically one of the most stable asset classes.

Stable Monthly Income

Our mortgage investments offer investors a stable, reliable monthly income with consistent returns.

Professional Management

We ensure your investment is actively managed and protected. Our team handles all payment processing, borrower communication, and necessary enforcement actions.

What Our Clients Say

Our clients love our transparent approach to mortgages. Their positive experiences show how we’re dedicated to helping you every step of the way!

  • “I’ve used Ryan’s services both personally and professionally and he and his team have provided excellent, attentive service and products every time. Recommended for your financing needs, and especially for your less than conventional deals!”

    Shannon M.

  • “We have worked with Ryan and his team twice for both of our home purchases. He was thorough with answering our questions, timely in his communication, and helped us get a great rate on our recent purchase.”

    erin w.

  • “Truly, the best possible mortgage experience that I could have. Both Ryan and Allison were incredibly responsive and were able to move on the opportunities much faster than a bank could have. They are both highly intelligent people and I strongly recommend their services.”

    Aaron P.

  • “We’ve just had our second mortgage placed by Ryan and Scott, and could not recommend their services highly enough. Although the rates they have managed to leverage on our behalf have been excellent (and will be the primary focus of many clients), there is substantial value in the time that they take to explain the process, educate us as to why we are going to place with a specific lender and keeps on top of all offers and incentives that are available. Response time to questions matches the quality of their responses is absolutely outstanding. You’ll have absolutely no regrets in engaging Ryan for your mortgage application/renewal.”

    matthew e.

So Many Ways to Invest

Whether looking to invest personally, through your corporation, or even registered retirement accounts, we have a solution for you. A minimum investment of $10,000 applies.

TFSA / RRSP / RRIF / RESP/ FHSA Eligible

Hold your mortgage investment inside a self-directed TFSA, RRSP, RRIF, RESP, or FHSA.

Personal Investing

Interest is treated as interest income for tax purposes in non-registered accounts.

Corporate Investing

Diversify your corporate investment strategy.

Investment Type

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Investment Type

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Investment Type

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Building Trust, Securing Your Future

Investing with Spark offers higher returns, greater control, lower fees, tailored risk management, transparency, tax efficiency, predictable income, and the opportunity to diversify outside the stock market and other traditional investments.

Management has decades of experience investing in mortgages

Your investment is directly tied to a specific property, allowing you greater control over your investment

Lower fees than a typical Mortgage Investment Corporation

10%+ net returns have been achieved annually since inception

Easy-to-read investor statements

Spark Your Wealth

Unlock steady growth with Spark Mortgage. Our expertly managed portfolio delivers competitive returns through secure private mortgage investments. See how our performance-driven strategy balances risk and reward for your financial success.

Loan PositionsWeighted Investor RateLTV%
1st Mortgage9.00%45.36%
2nd Mortgage10.08%59.14%
3rd Mortgage9.95%69.22%

Current Investment Opportunities

Our investments come in all shapes and sizes. Below are our current offerings and their net annual returns assuming timely mortgage payments. A $10,000 minimum investment applies. Existing investments such as these are only available for non-registered funds.

6.95%

PEACHLAND, BC

1st Mortgage, 46% LTV, Trepanier neighbourhood, owner-occupied, 2023-built 2-story house, 786 & 751 credit scores, 11-month term, $1,300,000 maximum investment. (Loan ID 712)

9.49%

MISSION, BC

2nd Mortgage behind a reverse mortgage, 51% LTV, Cedar Valley neighbourhood, owner-occupied, 1980-built 2-story duplex, 646 credit score, 7-month term, $95,000 maximum investment. (Loan ID 633)

8.95%

COQUITLAM, BC

2nd Mortgage, 57% LTV, River Springs neighbourhood, owner-occupied, 1979-built 1-story house, 663 credit score, 9-month term, $80,000 maximum investment. (Loan ID 456)

8.99%

VANCOUVER, BC

1st Mortgage, 39% LTV, Davie Village neighbourhood, 1998-built strata commercial property, 815 credit score, 11-month term, $480,000 maximum investment. (Loan ID 700)

Talk to one of our experienced team members

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Talk to Us About Your Mortgage

Our experienced team is ready to offer personalized guidance tailored to your needs. Reach out today to discuss your options and see how we can help you achieve your financial goals!

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