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Prosper with Hosper!

Meet your full-service mortgage investment

partner.

Our award-winning service provides fully managed investment opportunities to investors looking for strong returns with an emphasis on capital preservation. Qualifying investors enjoy above market yields, secured by real properties across Ontario.

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JOIN THE GROWING NETWORK

Up to

Return on investment

$1000

Investor fees

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Why Choose Hosper?

Our purpose is to provide a consistent pipeline of quality investment opportunities to keep your money working for you – and we take care of the rest. Hosper manages all closings, interest payments and collections, insurance and any required legal or enforcement activities at no additional cost. We are a team of dedicated professionals who manage your investment like it’s our very own.

We close more deals on focusing on the 3 core principals.

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High security

Invest with peace of mind knowing your funds are backed by high-security real estate assets.

Strong returns

Unlock strong and consistent returns by investing in our diversified mortgage portfolio.

Hassle-free experience

We manage everything for you.

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6% to 14% Returns

Whether you prioritize safety, high yields, or a balance of both, we will help you discover the option that comfortably fit your personal investment goals.

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Fully Managed Solutions

We handle everything from sourcing and closing loans, administrative work, legal due diligence, loan management, and much more, allowing you to sit back and enjoy stress-free returns.

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Secured by Ontario Properties

All investments are backed by equity in real properties across Ontario.

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Expert Guidance

Our team of experienced professionals will guide you through the investment process, helping you make informed decisions in line with your financial goals.

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Trusted and Transparent

Trust is a paramount to us. We believe in full transparency with our investors and MIC shareholders, ensuring you remain informed throughout the lifecycle of your investment.

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Exclusive Access

Gain access to exclusive investment opportunities that are carefully selected to maximize potential returns for our valued investors.

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Empowering Your Financial Future

Choose Hosper Mortgage to empower your financial future and achieve your long-term goals with the support of our dedicated team and secure investment options.

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Building Wealth, One Investment at a Time.

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Features

Hosper MIC Program

Instant diversification across hundreds of loans with a single investment

Set it and forget it; simply purchase shares and watch your investment grow

Higher liquidity with redemption any time after respective holding period

Ability to invest with registered funds, including RRSPs, TFSAs, RRIFs, etc.

Loan loss reserve (safety fund) as extra layer of capital protection

Learn More About MIC

Features

A MIC Class For Each Unique Investment Goal

Class B:

Comfort Fund

Actual Return
(FY2023*)

7.60%

Target Return (Cash Payments)

6.50%

Target Return
(Dividend Re-Investment Plan)

6.70%

Mortgage Position

Only 1sts

Target LTV%
(Target)

Mid-to-High 40s

Investment Term

1 Year

Minimum Investment

$30,000

Learn more

Class A:

Balance Fund

Actual Return
(FY2023*)

8.73%

Target Return (Cash Payments)

8.00%

Target Return
(Dividend Re-Investment Plan)

8.30%

Mortgage Position

Mostly 1sts

Target LTV%
(Target)

Mid-to-High 50s

Investment Term

2 Year

Minimum Investment

$60,000

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Class C:

High-Yield Fund

Actual Return
(FY2023*)

10.00%

Target Return (Cash Payments)

9.50%

Target Return
(Dividend Re-Investment Plan)

9.92%

Mortgage Position

Mostly 2nds

Target LTV%
(Target)

Mid-to-High 60s

Investment Term

3 Year

Minimum Investment

$60,000

Learn more

Learn More About MIC

Features

Multi awarded for what we do

Features

Secure and Flexible Investment Options

Direct Mortgage Investment Program (DMI)

Your legal name or corporation registered directly on title

Ability to invest into multiple properties for diversification

Consistent cycle of new opportunities with wide range of risk and return options

Each property reviewed and registered by a lawyer

Learn More About DMI

Content

Hassle-Free Direct Mortgage Investment Program

Our process is simple and hassle-free. We offer the opportunity to invest in private mortgages without requiring you to be a mortgage or real estate expert.

We manage your investment from the very start to protect your principal. We take care of all paperwork, legal matters, insurance, interest payments, and the assist with discharge.

We source and analyze investment opportunities.

We present you with the right opportunities specific to your investment profile.

We take care of all paperwork, legal matters, insurance, interest payments, and loan repayment.

We monitor and manage your portfolio to maximize returns.

Learn More About DMI

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Unlocking Your Financial Potential - Empowering Investments with Hosper Mortgage.

Hosper Mortgage is a dedicated team of professionals who strive to offer consistent, passive returns to our investors, and flexible financing solutions to our borrowers. Our mortgage experts handle everything from underwriting every investment opportunity, recommending suitable options and managing the investment throughout the term of the Loan.

Team

The team behind us

At Hosper Mortgage, our dedicated team of experienced professionals is committed to providing exceptional service, guiding you through the mortgage process with expertise and personalized attention. With a passion for helping you achieve your goals, we are here to support and empower you every step of the way.

James Grantis

Co-Founder, President. James has arranged more than 5,000 private mortgages, totalling over $500 million in mortgage funding. As co-founder of Hosper Mortgage, James leads the company’s investment service team and sits on the investment board that reviews mortgages. James personally invests in Hosper MIC and Hosper's Direct Mortgage Investment (DMI) program.

Scott Stevens

Hosper MIC. Scott is your contact for all things MIC. Scott is responsible for growing Hosper's 3 MIC Funds, including helping investors purchase MIC shares, redeem existing shares, and maintaining the balance of each portfolio. Scott has personally invested in Hosper MIC.

Mark Catella

MIC & DMI Payments & Payouts. Mark coordinates thousands of payments each month (both collections from borrowers and disbursements to investors) and oversees the payout and discharge of all completed mortgage transactions. Mark assists investors with late payments, payouts, monthly statements, and tax reporting. Mark has personally invested in Hosper MIC.

Shana Li

Direct Mortgage Investments. Shanahelps DMI investors onboard as a new investor and find suitable deals that fit their investment needs. Shana is here to remind you on closing timelines, respond to your questions, and send you new offers.

Upanishad P. Krsna

Direct Mortgage Investments. Krsna helps DMI investors onboard as a new investor and find suitable deals that fit their investment needs. Krsna is here to remind you enclosing timelines, respond to your questions, and send you new offers.

Jeremy Richardson
Lawyer & Founder of Richardson Law

Jeremy has focused on real estate Law since 2004 and launched Richardson Law in 2015, which specializes in private mortgage transactions and mortgage enforcement. Richardson Law quickly scaled firm volume to 1,400+ transaction per year. Richardson Law reviews every mortgage funded by Hosper MIC. Jeremy has personally invested in Hosper MIC.

Jad Cherri
CFA, Account Manager

Jad is a CFA Charter Holder with 8+ years experience in investment banking and alternative investments, including real estate, private equity, and venture capital. Over his career, Jad managed $700MM in assets and invested $130MM in real estate transactions in the US, Europe, and Middle East. Jad helps DMI investors onboard and find suitable deals that fit their investment needs.

Jerry Wieliczko
Business Development Manager (BDM)

Jerry sources and cultivates broker relationships and supports the inflow of new mortgage investment opportunities. Jerry has been in the banking and mortgage industry for over 30 years and has received many awards throughout for his service and performance. Jerry has personally advised-on and closed over 4,500 mortgage transactions.

Sam Beigi
Finance Manager

Sam oversees the cash management, accounting, financial reporting, and taxation of Hosper. Sam studies and extracts insights from investment data that help inform our decision-making including the cultivation and management of the MIC’s Loan Loss Reserve.

Giulia Miscio
Project & Marketing Lead

Giulia oversees the company’s project and marketing work. This includes content design and distribution, project management, and monthly client events, all which support the growth and image of the Hosper Mortgage brand. Giulia can assist you with any questions relating to our marketing efforts.

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New investment opportunities available daily.

At Hosper Mortgage, we offer potential investment opportunities, designed to fuel your financial growth. Our expert team curates a diverse range of fully managed options, ensuring you can capitalize on high-yield returns with confidence. Whether you are an experienced investor or just starting, our secured mortgage process backed by real property equity opens doors to lucrative prospects, making every day an opportunity to prosper.

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Eligibility Requirements

Invest with Hosper Mortgage for high-yield opportunities secured by real property equity and unlock your path to financial success. Start now and prosper!

Investors must be the age of majority and have a Canadian bank account

Investors must be a Canadian resident

Investors must have positive net worth > $400,000.00

Minimum Investment: $30,000.00

Invest Now

Team

What our clients say!

Our clients rave about the exceptional service and personalized approach they receive at Hosper Mortgage.

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Thank you for the interesting and informative Shareholder Meeting. [We] enjoyed it very much and appreciate your transparency. You almost have me convinced we should put more money into the MIC and less money in the private mortgages.

V.R.

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Competent, honest and they deliver results. On the borrower side and the investor side. As a secondary lender, they provide a needed service and connect investors to opportunities at a fair market rate for this space. The process is simplified and transparent. Monthly investment reports, newsletters, and communication with their clients keep me informed and in tune with the current housing market, interest rate, and changing environment. I have already referred Hosper to several friends and associates.

A.Z.

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Wonderful company to deal with.

W.X.

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I love this company!!!!

J.S.

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I feel very confident with the funds that [we] have invested with Hosper.

C.F.

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I really like the idea that you have partnered with JA Central Ontario. Also your association with Filogix and Newton Velocity seem to be excellent partnerships which can only help Hosper grow and prosper. Hosper is sure a lot different from when we started doing business together. I am extremely pleased that we have invested with you.

C.F.