Investing Proven performance,
diversified growth.

Our Solutions

AN EXPERIENCED TEAM YOU CAN TRUSTBacked by years of real estate and banking experience, our team is committed to your financial success through reliable, diversified investing strategies.

Partners, not investors, are who we seek to work with. People looking for long-term growth and real estate investment opportunities that benefit not only their own portfolio, but their community as well.

Over $780 million

Assets Under Management

Over $3 billion

funded

Designed for stability, built for growth.

By offering two specialized funds designed to balance stability and growth, investors can feel confident investing in their future, and the future of their community. Our funds aim to mitigate risk through disciplined underwriting and capital preservation tactics. Investors gain access to consistent historical returns rooted in transparency and a 19 year track record of pragmatic lending.

Our Funds

MortEq Fund

Launched in British Columbia in 2006, MortEq invests in residential and commercial properties. The fund, which now also operates in Ontario and Alberta, aims to generate net returns of 6.5% to 10% net of management fee for its investors.

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Oakhill Fund

Since 2021, Oakhill has invested in residential and commercial real estate across British Columbia, Ontario, and Alberta markets, delivering rates of return of 10 to 14% net of management fees for accredited investors.

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Our Process

01

Connect + Consult

If you’re interested in becoming an investor with PHL or learning more about MICs and real estate investing, start by meeting with one of our Dealing Representatives. In this initial consultation, we’ll introduce you to our product, answer your questions, discuss your suitability, and offer advice.

02

Invest + Diversify

Once we have ensured we will be a good fit for you, we move on to the next step. Your funds will be invested into a diversified portfolio of mortgages in both residential and commercial real estate.

03

Earn + Grow

As borrowers continue to make payments of interest and fees into the funds, investors receive a stream of income through dividends.

    Protecting your capital with our
    proven strategies.

    Prioritizing our relationships with our investors, we build partnerships based on trust.  Using proven and established underwriting methods, we mitigate risk through geographic diversification and thorough capital preservation strategies.

    Strategic Lending Area

    PHL focuses on providing financing for Canadians where the market exhibits long-term stability, growth, and liquidity.

    Credit Committee

    All mortgages are subject to approval by our experienced credit committee.

    Loan-to-Value Ratio

    Depending on which fund you invest in, PHL mitigates risk by actively managing the LTV of every mortgage we finance.

    Approved Appraiser List

    Working with our list of approved appraisers, all mortgage applications require a current appraisal.

    Mortgage Security

    An experienced team of legal professionals reviews and prepares all mortgage security.

    Stringent underwriting procedures and guidelines

    Our tried and true underwriting procedures continue to help us successfully mitigate risks to provide consistent growth for our investors.

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