0.00%
Average LTV
Conservative Equity Positions
For Investors
Earn 7%–11% Returns Secured by Private Mortgage Investments in Ontario Real Estate
Deploy capital into individual mortgage deals (not pooled funds) with your name registered directly on title. Stonefield Capital underwrites conservatively (avg. 57% LTV), often co-invests alongside you and has delivered $0 in external investor losses over 8 years of lending.
Portfolio at a Glance
0+
Active Loans
Current Portfolio
$0M+
AUM
Assets Under Management
$0
External Investor Losses
Over 8 years of lending
100%+ of loans within Ontario · 90%+ within the GTA · 78%+ within urban centres
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Stonefield Insider Tip: Why We're Different from a Typical MIC
Most MICs pool your capital into a blind fund. You don't know which properties secure your investment and you have no say in deal selection. At Stonefield, you see every deal before you commit capital. Your name goes on title as a registered charge holder and you choose which mortgages to participate in. You will receive monthly interest payments directly via EFT. This isn't passive fund investing, it's direct, secured lending with full transparency.
Returns Compared to Other Fixed Income
| Investment | Net Return | Risk | Security | Payout | Term | Fees |
|---|---|---|---|---|---|---|
| Stonefield Capital | 7–11%* | Low–Med | Registered Charge on Title | Monthly | 1–12 mo | 0.25–1.0% |
| Government Bonds | 3.75% | Very Low | Government Backed | Semi-Annual | 1–30 yr | Minimal |
| High-Yield Bonds | 7.5–9.5% | Med–High | Unsecured | Semi-Annual | 5–10 yr | 0.5–1% |
| Guaranteed Investment Certificate (GIC) | 3.5%-5.5% | Low | Bank Backed | At Maturity | 1–5 yr | Minimal |
| Generic MICs | 7.5–8.5% | Medium | Pooled / Indirect | Monthly | 1–3 yr | 1–1.5% |
*Net returns are net of Stonefield Capital fees, regardless of whether the investor is using personal, corporate, or registered accounts (RRSP, TFSA, LIRA). Returns are not net of personal income tax, as tax treatment varies by individual. Past performance is not indicative of future results. Stonefield Capital returns reflect historical realized yields on 1st/2nd mortgages originated between 2018–2025.
How Your Investment Is Protected
Conservative Underwriting
- Max LTV 70% in major urban centres (Toronto, GTA), 65% in secondary markets, reducing as property liquidity decreases
- Values based on internal review and most recent realistic comparable sales. No reliance on poorly executed appraisals
- Portfolio weighted toward first mortgages (63.2%) and blanket mortgages (multiple properties)
- Less than $250K total losses in 8 years with $0 borne by external investors
Security Structure
- Registered charge on title — 1st and/or 2nd position
- Investor name(s) or corporation on title
- Stonefield administers all enforcement on your behalf
- Cross-collateralization used where appropriate
Operational Safeguards
- Third-party legal closing on every file
- FSRA-compliant pooled trust account
- Post-funding audits and monthly trust reconciliations
- SOC2 Type 2 certified software platform (Mortgage Automator)
Legal Recourse
- Enforcement via Power of Sale (Ontario)
- Typical enforcement timeline: 6–12 months
- Stonefield manages all enforcement proceedings
How You Participate
Stonefield offers three ways to deploy capital into private mortgage investments. In every scenario, Stonefield administers the deal. We manage underwriting, legal closing, borrower communication, and enforcement on your behalf.
★
Stonefield invests alongside you in most deals, our capital is at risk with yours. We only recommend deals we would invest in ourselves.
Entire Deal
Put directly on title with 100% ownership of the registered charge. Full visibility into the underlying property and borrower. Stonefield administers all aspects of the deal on your behalf.
Syndicated Mortgage
Multiple investors participate in a single mortgage deal. Each investor holds a proportional interest in the charge, sharing the security and the return on a pro-rata basis. Stonefield administers the deal and all investor communications.
Senior/Subordinate Participation
Priority repayment: your principal gets repaid before anyone else in exchange for a lower risk profile. Designed for investors with lower risk tolerance who want first-position security within the charge structure.
Investor Visibility
Stonefield provides full transparency at every stage of your investment. You are never in the dark about where your capital is deployed or how it is performing.
Deal summaries provided before you commit capital to any mortgage
Administration Agreement governs every investment relationship
Monthly statements and pre-deposit notifications for all active loans
Invest via personal, corporate, or registered accounts (RRSP, TFSA, LIRA)
Compliance & Licensing
Stonefield Capital operates within a rigorous regulatory framework, ensuring investor capital is protected by both provincial and federal compliance standards.
FSRA
Financial Services Regulatory Authority
Lic. #13722 (Capital) & #13636 (Administration)
FINTRAC
Financial Transactions & Reports
Anti-money laundering compliance
PIPEDA
Personal Information Protection
Federal privacy compliance
OSC
Ontario Securities Commission
Securities regulatory compliance
Frequently Asked Questions
What is the minimum investment?
Minimum capital commitment is generally $50,000 (but can be lowered). Deploy via personal, corporate, or registered accounts (RRSP, TFSA, LIRA, RRIF). Registered accounts are held through Olympia Trust, a specialized trustee for private mortgages within tax-sheltered plans.
How are returns paid?
Monthly interest via EFT, with a pre-deposit notification before each payment and a detailed monthly statement for every active loan. All distributions flow through Stonefield Mortgage Administration's FSRA-compliant pooled trust account.
What happens if a borrower defaults?
Stonefield Mortgage Administration (FSRA Lic. #13636) manages all enforcement on your behalf via Ontario's Power of Sale process, typically resolving in 6 to 12 months and recovering principal, accrued interest and legal costs. Your registered charge on title means no other lender can override your position. Over 8+ years, total portfolio losses are under $250K — all absorbed by our ownership team, with $0 borne by external investors.
Can I choose which deals to invest in?
Yes, and this is a core difference from MICs and pooled debt funds. Before committing capital to any mortgage, you receive a deal summary covering property, LTV, position, term, rate, exit strategy and Stonefield's own co-investment. You decide which deals match your risk appetite and return target, deal by deal.
Is my investment registered on title?
Yes. Your name (or your nominee corporation, or Olympia Trust on behalf of your registered account) is registered as the charge holder on the property title in first or second position. This is a direct, secured investment on a specific property, not an indirect participation in a pooled fund.
What are the fees?
Stonefield's administration spread is 0.25% to 1.0% of the loan amount, disclosed in writing on every deal before you commit capital. The 7% to 11% target net returns we quote are already net of this fee. Returns are not net of personal income tax as tax treatment varies by individual and account type (personal, corporate, registered).
Ready to Learn More?
Request our investment information package for detailed deal examples, Administration Agreement terms, return analysis, and underwriting criteria. Capital commitments from $50,000 with 7–11% target net returns.