Stonefield Capital
Investor Information
Why Investors Choose Stonefield Capital
At Stonefield Capital, we offer private investors the opportunity to earn consistent returns through well-secured mortgage investments. We focus on lower-risk lending—primarily residential properties with strong equity positions and clearly defined exit strategies. Our underwriting is conservative, our communication is transparent, and our investors are always prioritized.
Whether you're a seasoned mortgage investor or exploring alternatives to traditional markets, we provide a hands-on, common-sense approach to helping you grow and protect your capital.
Expected Returns With Stonefield Capital
Secure, well-underwritten private mortgage investments with consistent returns, clear communication and peace of mind.
First Mortgages
- 3 - 12 Month Terms
- Monthly Payments or Prepaid Interest
- Registered Directly on Title
- Conservative Underwriting
Second Mortgages
- 3 - 12 Month Terms
- Monthly Payments or Prepaid Interest
- Registered Directly on Title
- Conservative Underwriting
Construction Loans
- 6 - 12 Month Terms
- Monthly Payments or Prepaid Interest
- Registered Directly on Title
- Conservative Underwriting
What are the Steps for Investing in Private Mortgages?
Meet the Team
Meet with Stonefield Capital so we understand your investment goals and risk appetite.
Investor Onboarding
Go through our digital onboarding process to become an investor with Stonefield Capital
Choose Your Loan
We will send you opportunities for private mortgage investments that meet your risk appetite.
Sign Documents
We send you the appropriate documentation for digital signing which highlights he loan parameters
Lawyer Instruction
We provide the details of your investment to our lawyer and all necessary paperwork is prepared.
Frequently Asked Investor Questions For
Private Mortgages With Stonefield Capital
We primarily invest in first and second mortgages secured against residential properties in Ontario. These are typically lower-risk loans with strong equity positions and clearly defined exit strategies. We also consider other asset classes (e.g., multi-unit, commercial, land) on a case-by-case basis.
Returns vary depending on the specific deal, position on title (first or second), and the structure of the loan. Generally, returns range from [insert your typical return range, e.g., 8%–12% annually], paid monthly or at maturity, depending on the investment structure.
Your investment is registered directly on title as a mortgage against the property, just like a bank. You hold a legally enforceable interest in the real estate, and your capital is secured by the equity in the property.
All underwriting is completed in-house. We rely on a conservative, equity-first approach, with internal evaluations supported by market research, property photos, and comparable sales. Appraisals are used when needed, but not always required.
We focus on the liquidity of the property, strength of the exit strategy, and the borrower’s equity position. We avoid overleveraged or speculative deals and prioritize stability over yield. Our goal is capital preservation first, returns second.
Yes—we believe in every deal we present to our investors and often invest our own capital alongside yours. This ensures full alignment of interests and reinforces our commitment to preserving capital and achieving strong, stable returns
Our minimum investment is usually $50,000, but there are cases where we can allow for less. In some cases, we may offer fractional positions in larger mortgages, depending on the structure and availability.
We provide you with a monthly investor statement that will highlight your loan position, loan to value, return and more.
In the rare event of a borrower default, we act quickly to protect your investment. Depending on the situation, we may initiate enforcement actions such as power of sale, in full compliance with Ontario mortgage law. Importantly, we primarily focus on low loan-to-value (LTV) deals for this very reason—to ensure there is more than enough equity in the property to recover the full investment if problems arise. You’ll be kept fully informed throughout the process.
Simply begin the onboarding process or contact us to start the conversation. We’ll walk you through our process, risk profile, and upcoming opportunities. There’s no pressure—just honest dialogue and clear expectations.