Canada's First Fractional Mortgage Platform

The Mortgage Market, Opened Up

The Mortgage Market, Opened Up

The Mortgage Market, Opened Up

The Mortgage Market, Opened Up

The Mortgage Market, Opened Up

The Mortgage Market, Opened Up

We make homeownership possible for more Canadians, and give investors a smarter way to grow their wealth through fractional mortgages.

We make homeownership possible for more Canadians, and give investors a smarter way to grow their wealth through fractional mortgages.

We make homeownership possible for more Canadians, and give investors a smarter way to grow their wealth through fractional mortgages.

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Approved

Approved amount

$540,000

$540,000

Rate

4.9%

4.9%

Term

25 yr

25 yr

Type

Fixed

AI-POWERED & HUMAN-CENTRIC

A Smarter Way to Approve Mortgages in Canada

A Smarter Way to Approve Mortgages in Canada

Loanova uses data, income patterns, and behavioural insights to approve creditworthy borrowers that traditional lenders overlook, and to deliver better risk-adjusted returns for investors.

Beyond Credit Scores

Beyond Credit Scores

Banks use old credit models. Loanova looks at income, cash flow, career, rent history, and behavioural insights, approving more creditworthy borrowers.

Banks use old credit models. Loanova looks at income, cash flow, career, rent history, and behavioural insights, approving more creditworthy borrowers.

Beyond Credit Scores

Banks use old credit models. Loanova looks at income, cash flow, career, rent history, and behavioural insights, approving more creditworthy borrowers.

Rewarding Good Habits

Rewarding Good Habits

Rewarding Good Habits

Good financial habits deserve rewards. Loanova gives better terms for responsible money management and rewards borrowers at renewal.

Good financial habits deserve rewards. Loanova gives better terms for responsible money management and rewards borrowers at renewal.

Data-Driven Investing

Data-Driven Investing

Data-Driven Investing

Our AI automates risk and monitoring, cutting costs and delivering lower rates for borrowers, lower fees for investors, and better opportunities in real time.

Our AI automates risk and monitoring, cutting costs and delivering lower rates for borrowers, lower fees for investors, and better opportunities in real time.

Beyond Credit Scores

Banks use old credit models. Loanova looks at income, cash flow, career, rent history, and behavioural insights, approving more creditworthy borrowers.

Rewarding Good Habits

Good financial habits deserve rewards. Loanova gives better terms for responsible money management and rewards borrowers at renewal.

Data-Driven Investing

Our AI automates risk and monitoring, cutting costs and delivering lower rates for borrowers, lower fees for investors, and better opportunities in real time.

Beyond Credit Scores

Banks use old credit models. Loanova looks at income, cash flow, career, rent history, and behavioural insights, approving more creditworthy borrowers.

Rewarding Good Habits

Good financial habits deserve rewards. Loanova gives better terms for responsible money management and rewards borrowers at renewal.

Data-Driven Investing

Our AI automates risk and monitoring, cutting costs and delivering lower rates for borrowers, lower fees for investors, and better opportunities.

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INVESTORS

Invest in Canadian Mortgages.
No Property Required.

Invest in Canadian Mortgages.
No Property Required

Invest in Canadian Mortgages.
No Property Required.

Invest in Canadian Mortgages.
No Property Required.

Invest in Canadian Mortgages.
No Property Required.

Loanova is Canada's first platform for fractional residential mortgage investing, giving retail investors access to first-lien mortgage returns that banks and institutions have kept to themselves for decades.

Loanova is Canada's first platform for fractional residential mortgage investing, giving retail investors access to first-lien mortgage returns that banks and institutions have kept to themselves for decades.

Loanova is Canada's first platform for fractional residential mortgage investing, giving retail investors access to first-lien mortgage returns that banks and institutions have kept to themselves for decades.

Loanova is Canada's first platform for fractional residential mortgage investing, giving retail investors access to first-lien mortgage returns that banks and institutions have kept to themselves for decades.

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BORROWERS

Finally, a Mortgage That Works for You

Finally, a Mortgage That Works for You

Finally, a Mortgage That Works for You

Finally, a Mortgage That Works for You

Finally, a Mortgage That Works for You

Loanova helps self-employed Canadians, newcomers, and non-traditional earners get mortgage approval when banks say no. We offer competitive private mortgage rates, fast decisions, and a process built around your life, not a T4.

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INCLUDED

Built for Borrowers Banks Overlook. Built for Investors Who Want More

Built for Borrowers Banks Overlook. Built for Investors Who Want More

Built for Borrowers Banks Overlook. Built for Investors Who Want More

Built for Borrowers Banks Overlook. Built for Investors Who Want More

Whether you're seeking a private mortgage in Canada or a smarter place to grow your wealth, Loanova was built for you.

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First-of-Its-Kind Access:

Invest fractionally in first-lien Canadian mortgages, no property purchase required.

Institutional-Grade Security:

Residential first-lien mortgages with transparent reporting.

Smarter Yield

Lower platform fees plus AI-driven underwriting mean higher risk-adjusted returns.

Beyond Credit Scores

Our proprietary AI model considers rent history, income, and life stage, not just a number.

Beyond Credit Scores

Our underwriting considers rent history, income patterns, and life stage, so self-employed and newcomer borrowers get a fair shot.

Beyond Credit Scores

Our proprietary AI model considers rent history, income, and life stage, not just a number.

Faster, Fairer Approvals

Streamlined digital process gets you an answer in days, not weeks.

A Path to Prime

We help responsible borrowers build toward a bank-ready profile, with better terms along the way and a clear path to a prime mortgage.

FAQ

Questions?
We’ve Got Answers.

Questions?
We’ve Got Answers.

Questions?
We’ve Got Answers.

Which provinces do you operate in?

Are you regulated?

How do you keep my data safe?

What exactly am I investing in?

How much do I need to start?

What makes Loanova different?

Shape tomorrow

Shape tomorrow

Shape tomorrow

Shape tomorrow

Be Among the First to Access Canada's Private Mortgage Platform

Join Canadians who are tired of being turned away by banks and investors ready to put their money to work in real estate without buying property.

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