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
Our management team brings decades of experience overseeing mortgage investments, ensuring expert guidance & reliable returns.
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!
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“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.
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“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.
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“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.
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“We’ve just had our second mortgage placed by Ryan and Scott, and could not recommend their services highly enough. 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 Positions | Weighted Investor Rate | LTV% |
|---|---|---|
| 1st Mortgage | 9.61% | 49.70% |
| 2nd Mortgage | 10.72% | 53.78% |
| 3rd Mortgage | 11.00% | 51.76% |
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.
9.50%
PORT COQUITLAM, BC
2nd Mortgage, 45% LTV, Mary Hill neighbourhood, owner-occupied, 1969 built 1-story house, excellent credit, 10-month term, $120,000 maximum investment.
11.00%
KELOWNA, BC
2nd Mortgage, 70% LTV, Magic Estates neighbourhood, owner-occupied, 1975 built 1-story house, excellent credit, 8-month term, $155,000 maximum investment.
10.49%
MAPLE RIDGE, BC
2nd Mortgage 51% LTV, Albion neighbourhood, owner-occupied, 2013 built 2-story house, poor credit, 14-month term, $90,000 maximum investment.
10.95%
Prince George, BC
2nd Mortgage, 71% LTV, West-end neighbourhood, owner-occupied, 1965 built 1-story house, very good credit, 1-month term, $85,000 maximum investment.
Talk to one of our experienced team members
ConnectTalk 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!
Get in touch