Invested in
your success.
Progress starts here
Trust isn’t built in a day. For over two decades, PHL has been earning it. Step by step. Promise by promise.
Your personalized approach to financial growth.
INVESTING DONE DIFFERENTLY
Partnering with investors and borrowers, we offer reliable, transparent, and easy to understand solutions to grow your finances within the real estate market. No jargon, no unnecessary hurdles, no hidden fees—just empowering financial solutions for like-minded innovators.
With decades of experience in real estate, finance, and underwriting, we have seen firsthand the gaps left in the market by traditional banking and we decided to offer an innovative solution—alternative lending. What’s great about alternative lending? It’s a flexible model that provides greater access to capital, personalized solutions, and faster approvals. By connecting investors and borrowers, we facilitate mutually beneficial growth within the Canadian real estate market, contributing to thriving communities.
What is a mic?
A Mortgage Investment Corporation (MIC) creates opportunities where investors and borrowers thrive together. Investors unlock real estate profit potential without property management hassles—growing wealth through carefully selected mortgages. Non-traditional borrowers—often entrepreneurs overlooked by conventional banks—discover flexible financing tailored to their situations. At PHL, we’re bridging these worlds, creating prosperity for investors while empowering borrowers to achieve their property goals through smarter, more accessible financing.
Your legacy
starts here.
At PHL, we’re simplifying the game of real estate and helping people and communities prosper, one client at a time. Making it possible for borrowers to secure mortgage financing, while creating wealth-generative opportunities for investors, we’re empowering our clients to create their own financial success.
REAL-ESTATE INVESTMENT EXPERTS
For investors.
Build and diversify your portfolio by investing in a simple to understand, stable asset—real estate. Alternative lending lets you maximize your financial potential with stable, real estate-backed investments. Investing with us is an investment in yourself.
For mortgage brokers.
The real estate market moves fast, but we move faster. Prioritizing your time and understanding the necessity for quick responses, we are committed to providing responsive service and a swift approval process.
Stay ahead of the curve with the latest market insights.
Your success is our commitment Collaborating with other innovators to generate growth.
Frequently Asked Questions Clear answers, straightforward solutions.
Unlike traditional banks that rely on rigid approval guidelines, PHL and its affiliates focus on asset-based lending, by evaluating the true value of the underlying real estate. This allows us to provide flexible mortgage solutions for borrowers who may not qualify under conventional lending standards.
This alternative lending model prioritizes practical solutions and disciplined risk management over rigid qualification criteria.
PHL Capital Corp. and its affiliates serve three primary groups:
- Borrowers seeking flexible alternative mortgage financing
- Investors seeking income from pooled funds in Mortgage Investment Corporations
- Mortgage brokers searching for reliable alternative lending partners
PHL and its affiliates support Canadian individuals and businesses navigating complex real estate financing needs. PHL and its affiliates support Canadian individuals and businesses navigating complex real estate financing needs.
Founded in 2006, PHL has built a long-standing presence in Canada’s alternative lending industry. With experienced leadership and a focus on disciplined underwriting and capital preservation, PHL Capital Corp. and its affiliated Mortgage Investment Corporations have funded numerous mortgages and supported real estate growth across multiple provinces.
Many investors explore alternative mortgage investments, like a Mortgage Investment Corporation, because tangible real estate directly secures the capital. Rather than waiting on traditional stock dividends or bond yields, these individuals seek to generate income through regular borrower interest payments. This structure creates a distinct risk and return profile. It serves as a potential option for those wanting to diversify their holdings across the Canadian real estate landscape.
Investors interested in mortgage investment opportunities can begin by contacting PHL Financial Group’s Dealing Representatives to learn about available funds, eligibility requirements, and the onboarding process. The team can provide detailed information about the funds documentation, and how alternative mortgage investments, such as investing in a Mortgage Investment Corporation, may fit within an investor’s broader portfolio objectives.