Invest in Canadian Mortgages
Invest in Canadian Mortgages
Invest in Canadian Mortgages
Invest in Canadian Mortgages
Loanova gives everyday Canadian retail investors fractional access to residential first-lien mortgages, the kind of opportunity banks and institutions have kept to themselves for decades.
Loanova gives everyday Canadian retail investors fractional access to residential first-lien mortgages, the kind of opportunity banks and institutions have kept to themselves for decades.
Investment opportunities available to eligible investors in accordance with FSRA regulations.
Returns are not guaranteed and depend on underlying loan performance.
Investment opportunities available to eligible investors in accordance with FSRA regulations.
Returns are not guaranteed and depend on underlying loan performance.
Investment opportunities available to eligible investors in accordance with FSRA regulations.
Returns are not guaranteed and depend on underlying loan performance.
Investment opportunities available to eligible investors in accordance with FSRA regulations.
Returns are not guaranteed and depend on underlying loan performance.
How Loanova Makes Mortgage Investing Accessible in Canada
A data-driven approach that goes beyond the traditional credit score.
Loanova evaluates income stability, rent history, and spending behaviour, giving investors a more complete picture of each borrower's risk profile.
Including secure, real-time banking data through Plaid — to uncover meaningful financial patterns and risk factors for our credit team. Each borrower receives an internal Loanova grade (A–D) that reflects their risk-adjusted profile and expected yield potential, shared transparently with investors.
Investors can access anonymized loan insights — empowering diversification and informed decision-making through clear, transparent information.
*Loanova’s credit grading model is proprietary and used for internal assessment. Grades and yield ranges are illustrative and not guaranteed. All lending decisions are subject to human review and regulatory compliance.
Why choose Loanova
Why choose Loanova
Why choose Loanova
Why choose Loanova
A transparent, data-driven platform for retail investors who want access to Canadian private mortgage returns.
A transparent, data-driven platform for retail investors who want access to Canadian private mortgage returns.
A transparent, data-driven platform for retail investors who want access to Canadian private mortgage returns.
A transparent, data-driven platform for retail investors who want access to Canadian private mortgage returns.
Loanova brings institutional-grade diligence and AI together to make fractional mortgage investing in Canada transparent, data-driven, and open to everyday investors, not just the wealthy.
Loanova brings institutional-grade diligence and AI together to make fractional mortgage investing in Canada transparent, data-driven, and open to everyday investors, not just the wealthy.
1
Diversified
exposure
Diversified exposure
Diversified exposure
Access diverse mortgage opportunities across borrower types and properties, reducing risk through diversification.
Access diverse mortgage opportunities across borrower types and properties, reducing risk through diversification.
Access diverse mortgage opportunities across borrower types and properties, reducing risk through diversification.
2
Transparent performance data
Transparent performance data
Access anonymized loan data and aggregated performance metrics through your dashboard, enabling informed investment decisions.
Access anonymized loan data and aggregated performance metrics through your dashboard, enabling informed investment decisions.
Access anonymized loan data and aggregated performance metrics through your dashboard, enabling informed investment decisions.
3
Secure and
compliant
Secure and compliant
Secure and compliant
Loanova, upon regulatory approval, will operate under FSRA oversight, ensuring strict compliance and responsible investment management.
Loanova, upon regulatory approval, will operate under FSRA oversight, ensuring strict compliance and responsible investment management.
Loanova, upon regulatory approval, will operate under FSRA oversight, ensuring strict compliance and responsible investment management.
4
Technology that enhances decisions
Technology
that enhances decisions
AI models assess borrower data and highlight risks for greater investment transparency, always reviewed by our credit team.
AI models assess borrower data and highlight risks for greater investment transparency, always reviewed by our credit team.
AI models assess borrower data and highlight risks for greater investment transparency, always reviewed by our credit team.
Loanova provides access to mortgage investment opportunities in accordance with provincial securities regulations. All investments carry risk, including possible loss of principal.
Fractional Mortgage Investment Returns by Credit Grade
Fractional Mortgage Investment Returns by Credit Grade
Fractional Mortgage Investment Returns by Credit Grade
Diversified returns aligned with underlying borrower profiles.
Diversified returns aligned with underlying borrower profiles.
Diversified returns aligned with underlying borrower profiles.
A
A
A
5.54 %
5.54 %
5.54 %
Strong borrower profile, lower-risk loans.
Strong borrower profile, lower-risk loans.
B
B
B
6.24 %
Balanced borrower profile with moderate risk.
Balanced borrower profile with moderate risk.
Investor yields vary by borrower grade, balancing risk and return across A–D profiles.
*These ranges are illustrative examples only and may differ once live offerings become available.
C
C
C
7.49 %
7.49 %
7.49 %
Higher risk, higher-yield potential.
Higher risk, higher-yield potential.
D
D
D
9.74 %
9.74 %
9.74 %
Alternative credit profile, highest yield and risk.
Alternative credit profile, highest yield and risk.
*Rates are net of Loanova management fees and assume no prepayments on a 3 year term. 5 year rates are 60 bps higher. Rates are subject to change, based on overall market conditions.
AI-assisted Analytics
AI-assisted analytics
Our proprietary algorithms process borrower data from verified sources, identifying key trends and financial indicators that help our credit team make informed, data-backed assessments.
Verified data partnerships
Verified data partnerships
Through integrations with trusted partners like Plaid and Accept Pay Global, Loanova ensures borrower information is verified, up-to-date, and transmitted securely across our platform.
Built-in security and compliance
Built-in security and compliance
Loanova follows FSRA standards and implements robust data encryption, multi-layer authentication, and real-time monitoring to safeguard investor and borrower information.
AI-assisted Analytics
AI-assisted analytics
Our proprietary algorithms process borrower data from verified sources, identifying key trends and financial indicators that help our credit team make informed, data-backed assessments.
Verified data partnerships
Verified data partnerships
Through integrations with trusted partners like Plaid and Accept Pay Global, Loanova ensures borrower information is verified, up-to-date, and transmitted securely across our platform.
Built-in security and compliance
Built-in security and compliance
Loanova follows FSRA standards and implements robust data encryption, multi-layer authentication, and real-time monitoring to safeguard investor and borrower information.
The technology that powers intelligent investing
The technology that powers intelligent investing
The technology that powers intelligent investing
A secure, data-driven platform built for clarity, accuracy, and compliance.
A secure, data-driven platform built for clarity, accuracy, and compliance.
A secure, data-driven platform built for clarity, accuracy, and compliance.
Loanova’s technology brings together advanced analytics, open-banking integrations, and real-time data visualization to give investors a transparent view of every opportunity.
AI-assisted Analytics
AI-assisted analytics
Our proprietary algorithms process borrower data from verified sources, identifying key trends and financial indicators that help our credit team make informed, data-backed decisions.
Verified data partnerships
Verified data partnerships
Through integrations with trusted partners like Plaid and Accept Pay Global, Loanova ensures borrower information is verified, up-to-date, and transmitted securely across our platform.
Built-in security
Built-in security and compliance
Loanova follows FSRA standards and implements robust data encryption, multi-layer authentication, and real-time monitoring to safeguard investor and borrower information.
AI-assisted analytics
AI-assisted analytics
Our proprietary algorithms process borrower data from verified sources, identifying key trends and financial indicators that help our credit team make informed, data-backed assessments.
Verified data partnerships
Verified data partnerships
Through integrations with Plaid, Equifax, and Accept Pay Global, Loanova ensures every borrower's financial data is verified, current, and securely transmitted, so investors can trust what they see.
Built-in security and compliance
Organize Events and Share Documents
Effortlessly manage events, share important documents, and collaborate with your team to ensure everything is in one place and easily accessible.
AI-assisted analytics
AI-assisted analytics
Our proprietary algorithms process borrower data from verified sources, identifying key trends and financial indicators that help our credit team make informed, data-backed assessments.
Verified data partnerships
Verified data partnerships
Through integrations with Plaid, Equifax, and Accept Pay Global, Loanova ensures every borrower's financial data is verified, current, and securely transmitted, so investors can trust what they see.
Built-in security and compliance
Organize Events and Share Documents
Effortlessly manage events, share important documents, and collaborate with your team to ensure everything is in one place and easily accessible.
Figures shown are illustrative and for educational purposes only. Actual yields depend on portfolio composition, market conditions, and borrower performance. Investments are not guaranteed and carry risk, including possible loss of principal.
Start Investing in Canadian Mortgages with Loanova
Start Investing in Canadian Mortgages with Loanova
Join Canada's first fractional mortgage investment platform, built for retail investors who want real estate returns without buying property.
Join Canada's first fractional mortgage investment platform, built for retail investors who want real estate returns without buying property.
Available to eligible investors in accordance with FSRA regulations. Investments are not guaranteed and carry risk.
FAQ
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What exactly am I investing in?
Who can be an investor?
How are investor yields determined?
Is my investment secured?
How do you evaluate borrowers?
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