Tired of riding the investment roller-coaster?
BECOME A PRIVATE LENDER TO EXPERIENCED CANADIAN HOME BUILDERS
Fill Out The Form To Get In Touch 
Our Private Mortgages allow you to invest directly into the proven market of Canadian real estate by becoming a mortgage lender. We provide the opportunity to invest in development projects in partnership with top name Canadian developers. 
  • Targeted returns of 8%* and above
  • Terms range from 2 - 7 years
  • $30,000 minimum investment
  •  RSP, LIRA, TFSA & CASH eligible
  •  Choice of borrower, project and market
A private mortgage occurs when one lender or several lenders loan their funds to a borrower on the security of real property. The lenders name is registered on title along with the loaned dollar amount. 
How The Private Lending Process Works

BORROWER ASSESSMENT

Before we accept any borrower, we go through an in-depth examination of the mortgage opportunity and assess all potential risks.

LENDER ASSESSMENT

Each lender is different, just a each borrower is different. Before you become a private lender, we go through an in-depth suitability examination and discuss all potential risks with you.

MORTGAGE PROCESSED

After thoroughly evaluating the borrower and establishing the suitability of the lender, the lender's funds are loaned to the borrower via a mortgage, and a charge on the title of the property is made in the lender,s name.

INTEREST PAYMENTS

Depending on the type of mortgage, interest payments might be:
-  monthly
-  quarterly
-  in a partial lump sum upfront; or
-  will accrue for the duration of the mortgage and    will be paid at the end of the term.

MORTGAGE REPAYMENT 

At the end of the term (including any extensions, outlined within the details of the loan agreement), the principal is repaid by the borrower and any outstanding, unpaid, or accrued interest is also paid to the Lender. 
1. BORROWER ASSESSMENT
Before we accept any borrower, we go through an in-depth examination of the mortgage opportunity and assess all potential risks.
2. LENDER ASSESSMENT
Each lender is different, just a each borrower is different. Before you become a private lender, we go through an in-depth suitability examination and discuss all potential risks with you.
3. MORTGAGE PROCESSED
After thoroughly evaluating the borrower and establishing the suitability of the lender, the lender's funds are loaned to the borrower via a mortgage, and a charge on the title of the property is made in the lender,s name.
4. INTEREST PAYMENTS
Depending on the type of mortgage, interest payments might be:
- monthly
- quarterly
- in a partial lump sum upfront; or
- will accrue for the duration of the mortgage and will be paid at the end of the term.
5. MORTGAGE PAYEMENTS
At the end of the term (including any extensions, outlined within the details of the loan agreement), the principal is repaid by the borrower and any outstanding, unpaid, or accrued interest is also paid to the Lender. 
WHY CHOOSE PRIVATE LENDING

REAL CHOICE

Choose a mortgage by category (high-rise, sub division, commercial, development), location, term, or payment structure - the choice is yours. 

INTEREST

Each mortgage is unique to the specific needs of the borrower. We make sure that our lenders only lend their funds within mortgages that also meet their specific needs.

REAL PROPERTY

The nature of a mortgage is that it is backed by a tangible asset; in this case, it is the land and/or structure associated with the loan.

REAL VALUE

By helping fund Real Estate Development, you contribute to the economy and community around you. 
What Our Investors Are Saying...

Mary B. - Investor

“FDS Broker Services has been nothing but professional and cooperative. When my initial project exited and I received my principal and interest, I was very pleased with my returns. I spoke with my mortgage agent about reinvesting my returns plus additional capital into another project.”


Don L. - Investor

FDS Broker Services has provided an opportunity for me to diversify my investments into an asset class that offers an improved rate of return. I have recently included a condo project in Vaughan called Old Market Lane in my TFSA; previously in my RRSP I invested in Lotus Condo (Residences of Bayview) and Brookdale on Avenue Road. The staff has been straightforward and helpful in clarifying details. I have recommended their projects to close friends.

Ivan S. - Re/Max Agent

“My investments with FDS projects have yielded good returns in terms of consistent and regular interest payments and good ROI upon project completions.”

Larry D. - Investor

“We wanted to be connected to the real estate market without the worry of collecting rent payments from tenants, and FDS private mortgages have allowed us to sit back and collect our returns regularly and on time.”
At FDS, we’re so proud of our ever-growing list of mortgage completions (“Exits”). These shields illustrate our past performance and proven results that our Ontario-based private mortgage lenders realized by investing in Canadian real estate development projects through FDS. Our private mortgages allow lenders to lend directly into the proven market of Canadian real estate with targeted above average returns and choice of borrower, property and location.
*Rates, if displayed, are annualized simple interest returns that clients may receive on principal amounts loaned. These figures are based on either (a) a contracted rate of return for the term of the loan, or (b) projections based on expected profitability at the end of the development project. Terms and conditions vary per project. Complete details for each mortgage loan are contained within the Loan Agreement and other documentation which will be provided to you in advance of your decision to lend. You must meet certain eligibility criteria in order to become a private mortgage lender. Private mortgages contain risks that are not suitable for all consumers.   

FDS Broker Services (FSCO license #12367) is a full-service mortgage brokerage that offers consumers the ability to borrow funds from lenders, as well as the opportunity to lend funds to other individuals or entities via private mortgages. Should FDS Broker Services work in conjunction with any other mortgage brokerage on your mortgage transaction, (1) the nature of that relationship will be disclosed to you prior to your decision to borrow or lend in that given transaction, as the case may be, and (2) FDS Broker Services may receive a co-broker fee, lender fee, broker fee, finder’s fee, volume bonus fee, or other fee as a result of this relationship, with the method of calculation of that fee disclosed to you prior to your decision to borrow or lend in that given transaction. Additional information can be found at www.fdsbroker.com. E&OE.­
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