Your savings,
secured by real estate.
Earn consistent, mortgage-backed returns through your RRSP, TFSA, LIRA, or open account — without the volatility of the stock market. Every dollar secured by Ontario real property.
Simple, transparent,
property-secured
Your savings are used to fund registered Ontario mortgages. Borrowers pay interest. You receive the returns — secured against real property the entire time.
You invest through your account
Your RRSP, TFSA, LIRA, or open savings are directed into Tordon Capital’s mortgage investment program. Minimum $25,000 to start.
We identify and vet the mortgage
Tordon Capital underwrites each mortgage against the property value, borrower profile, and market conditions. Conservative loan-to-value ratios protect your capital.
Your funds are secured by a registered mortgage
A mortgage is registered on title at Land Registry — your investment is a legal charge against the property. If anything goes wrong, the property secures your position.
The borrower pays interest — you receive returns
Monthly interest payments from the borrower flow directly to your account, growing tax-deferred (RRSP) or completely tax-free (TFSA).
Mortgage matures — your principal is returned
At term end, the borrower repays the principal. You receive your original investment back, plus all accumulated interest from the term.
Choose the account
that works for you
Every account type has unique tax advantages. Our advisors will help you choose the right combination for your financial situation.
Your RRSP can hold private mortgages as an investment. Instead of sitting in GICs at 3–4%, your retirement savings can earn competitive mortgage-backed returns — all growing tax-deferred until withdrawal.
- Contributions deductible from income — reduces your tax bill today
- Returns compound tax-deferred inside the RRSP
- Typically higher returns than GICs or bond funds
- No exposure to stock market volatility
- Secured by registered Ontario real estate
- Converts to RRIF at age 71 — we can manage that transition
Every dollar of interest earned inside your TFSA on mortgage investments is completely tax-free — you never pay tax on the growth, and you can withdraw at any time without penalty.
- Zero tax on returns — ever, including at withdrawal
- Withdraw any time — no tax consequences
- Room accumulates every year (2025: $7,000/yr contribution room)
- Ideal for shorter-term, high-yield investing
- Mortgage-secured for capital protection
- No age restrictions — invest at any stage of life
Have a LIRA from a previous employer pension? Or converting your RRSP to an RRIF? Both can hold mortgage investments — giving you predictable, secured income regardless of market conditions.
- LIRA eligible — put locked-in pension funds to work
- RRIF compatible — steady income stream in retirement
- Monthly interest aligns with RRIF minimum withdrawal needs
- No stock market exposure — consistent returns
- Secured against Ontario real estate
- We guide the LIRA transfer and RRIF setup process
For personal savings above your RRSP and TFSA room, or for corporate investment accounts — private mortgage investing can deliver strong yields that outperform traditional fixed income.
- No contribution limits — invest as much as you want
- Corporate accounts eligible — ideal for business cash
- Flexible terms — aligned with your liquidity needs
- Consistently outperforms GICs and HISAs
- Mortgage-secured capital protection
- Interest income — clear tax treatment for reporting
Why mortgage-secured
beats the market
Stock markets have good years and terrible ones. Private mortgage investments deliver consistent, predictable returns — secured against real property, not dependent on market sentiment.
Secured by Real Property
Every investment is registered as a legal charge against Ontario real estate. If the borrower defaults, the property secures your position — unlike stocks or bonds.
No Market Volatility
Your returns don’t fluctuate with the TSX or S&P 500. Mortgage interest payments are contractual — they don’t depend on economic sentiment or news cycles.
Consistent Monthly Income
Borrowers pay interest monthly. That income flows steadily into your account — ideal for retirees and anyone wanting predictable cash flow.
Outperforms GICs & HISAs
GICs are offering 3–5%. Private mortgage returns are typically materially higher — with the added security of property backing every dollar.
Conservative LTV Ratios
We maintain conservative loan-to-value ratios on every mortgage we underwrite — building in a property value cushion that protects your capital even in a market correction.
Expert Oversight
Every mortgage is underwritten and managed by our licensed team. You’re not doing this alone — Tordon Capital handles due diligence, documentation, and ongoing management.
How we compare to
other options
See how mortgage-secured investing stacks up against GICs, HISAs, and the stock market across the metrics that matter.
* Yields are indicative ranges based on current market conditions and are not guaranteed. Speak with a Tordon Capital advisor for current investment terms. Past performance is not indicative of future results.
Estimate your returns
Use the calculator to see how your RRSP, TFSA, or savings could grow through mortgage-secured investing. These are estimates — your Tordon advisor will provide actual current rates.
Start earning secured returns today
Speak with a Tordon Capital advisor about the right account type and investment structure for your financial goals — no obligation, no pressure.
No obligation · We never share your information
Investor questions
Still have questions?
Investment decisions deserve thorough answers. Our advisors have no quota, no rush — just honest guidance on whether this is right for you.
905.298.1197 [email protected]Tordon Capital Management is not a registered investment dealer. Mortgage investments are not covered by CDIC insurance. Returns are not guaranteed. This material is for informational purposes only and does not constitute investment advice. Please consult a qualified financial advisor before investing.