Luxxe Capital is a Canadian Mortgage Investment Corporation. We lend to property owners who need financing faster than a bank can move, and we give investors access to the returns that lending produces.
The people behind Luxxe have been arranging private mortgages in Canada since 2018. In the early years that meant matching one borrower to one investor, deal by deal. The model worked, but it put each investor's outcome on a single loan, and it slowed borrowers down while capital was assembled.
Pooling solved both problems. Investor capital now sits in one professionally managed portfolio of first and second mortgages secured by Canadian real estate. The structure works much like a mutual fund, with the portfolio held in mortgages instead of equities.
Our mission is to help borrowers access fast, flexible real estate financing while building a network of private investor capital to generate secured, fixed-income returns.
We start with the property, not the paperwork. A credit score describes what a borrower looked like in the past. The equity in the real estate describes what is actually securing the loan today.
That is why most applications get an answer within 24 hours, and why we can work with people the banks turn down: self-employed income, a recent credit event, a property mid-renovation, a closing date that will not wait.
Every file is read by a person. We look at the big picture.
Our team is ready to help you access the capital you need — quickly, clearly, and without the runaround. Whether you've got questions or you're ready to move forward, we're here to make the process simple.