Join the Waitlist

FIRST-LIEN MORTGAGE

8.4%

Target net annual yield

LTV

68%

Term

12 mo

Rating

A

Funded

92%

FIRST-LIEN MORTGAGE

8.4%

Target net annual yield

LTV

68%

Term

12 mo

Rating

A

Funded

92%

Monthly distribution

$214.50

Verified borrower & property data

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.

Join the Waitlist

Join the Waitlist

Learn How It Works

Learn More

Available to eligible Ontario investors under FSRA oversight once Loanova’s licensing is granted. Investments are not guaranteed and carry risk.

Available to eligible Ontario investors under FSRA oversight once Loanova’s licensing is granted. Investments are not guaranteed and carry risk.

How Loanova Makes Mortgage Investing Accessible in Canada

A data-driven approach that goes beyond the traditional credit score.

Intelligent Credit Evaluation
Tap for more info

Traditional lenders often rely on static credit data. Loanova evaluates a broader range of indicators.

Traditional lenders often rely on static credit data and do not take a holistic view.

Loanova evaluates income stability, rent history, and spending behaviour, giving investors a more complete picture of each borrower's risk profile.

AI-assisted
borrower grading
Tap for more info

Our models identify key financial patterns and risk factors to support our credit team’s analysis.

Loanova’s proprietary AI model analyzes all available borrower information.

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 to D) that reflects their risk-adjusted profile and expected yield potential, shared transparently with investors.

Open data
insights
Tap for more info

Each investment opportunity is backed by verified data and reviewed under FSRA-compliant oversight.

Every opportunity is supported by verified borrower and property data, reviewed within a strict FSRA-compliant framework.

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.

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.

3-yr fixed · 80% LTV · Starting rates per grade

3-yr fixed · 80% LTV · Starting rates per grade

3-yr fixed · 80% LTV · Starting rates per grade

A

A

A

from 5.19 %
from 5.19 %
from 5.19 %

Strong borrower profile, lower-risk loans.

Strong borrower profile, lower-risk loans.

B

B

B

from 6.09 %

Balanced borrower profile with moderate risk.

Balanced borrower profile with moderate risk.

Investor yields vary by borrower grade and term, balancing risk and return across A to D profiles.

*Figures assume 80% LTV and 3-yr term. 5-yr rates are 60 bps higher. These are starting rates, actual yield depends on LTV and final borrower grade.

C

C

C

from 7.24 %
from 7.24 %
from 7.24 %

Higher risk, higher-yield potential.

Higher risk, higher-yield potential.

D

D

D

from 9.24 %
from 9.24 %
from 9.24 %

Alternative credit profile, highest yield and risk.

Alternative credit profile, highest yield and risk.

*Rates are net of Loanova servicing fees and assume no prepayments on a 3 year term. and 80% LTV. 5 year rates are 60 bps higher. Rates are subject to change, based on overall market conditions.

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.

Join the Waitlist

Join the Waitlist

About Image

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’s FSRA registration as a mortgage brokerage and administrator is pending. Once licensed, Loanova will provide access to mortgage investment opportunities in Ontario under FSRA oversight. All investments carry risk, including possible loss of principal.

  • 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 Ontario investors under FSRA oversight once Loanova’s licensing is granted. Investments are not guaranteed and carry risk.

Join the Waitlist

Join the Waitlist

FAQ

Questions?
We’ve Got Answers.

Questions?
We’ve Got Answers.

Questions?
We’ve Got Answers.

Questions?
We’ve Got Answers.

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?

How do you keep my data safe?

When do I receive payments?

Where do you operate?

What are your servicing fees?

Are you regulated?

Open