If you’ve never heard of private mortgage investing, don’t worry, you’re not the only one. Most Canadians grow up learning about savings accounts, stocks, and maybe mutual funds. But there’s a whole other world of investing that’s been around for decades, and it’s quietly helping people grow their wealth every single month.
It’s called private mortgage investing. And here’s how it works:
Instead of putting your money into the market and riding the ups and downs, you become the lender. That’s right. Your money is used to fund a short-term mortgage loan, usually to a real estate investor or business owner who needs quick capital.
The key difference? The loan is backed by real property. That means your investment is secured, not by market trends, but by something tangible like a house, a building, or land. And instead of hoping for long-term growth, you earn fixed monthly interest while your capital stays protected.
So… why haven’t you heard about this?
Because banks don’t promote it.
They’d rather keep your money in their own investment products, ones with low returns for you and big profits for them. Private mortgage investing simply doesn’t benefit the banks. So, it stays under the radar.
That’s where Fluent Capital comes in.
We make this kind of investing simple, secure, and accessible. You don’t need to be a finance expert. You don’t need to buy a property. You don’t even need to manage anything. We handle the vetting, legal process, borrower relationship, and deal monitoring, start to finish.
All you do is invest and get paid. Every month.
And this isn’t just for people with hundreds of thousands to spare. Many of our investors start with funds in their TFSA or RRSP. Instead of letting that money sit in a low-interest account, it can be earning 8–12% annually, completely passively.
It’s not flashy. It’s not risky. It’s just smart, steady income that’s been hidden in plain sight.
We believe more people deserve to know about it. To us, private lending isn’t a secret, it’s a solution. A smarter way to grow your wealth without the stock market stress or the headaches of being a landlord.
Now that you’ve heard of it, you’re already ahead of most. The next step? Decide if your money could be working harder, more consistently, and with more clarity.
Want to explore how it could fit into your investment strategy?
Let’s talk.