Protect capital first. Aim for consistent income
Built to deliver income.
Invest via cash accounts or registered plans such as TFSA, RRSP, and more
Minimum investment: $10,000
Minimum investment: $10,000
Request Investor Information
How it works (30-second version)
- Contact Us for an Introduction to Exempt Market Dealer to see if you qualify,Nest Capital MIC ($10,000 minimum; cash accounts, TFSA, RRSP, RRIF eligible).
- We allocate across a diversified pool of residential mortgages.
- You earn distributions from the portfolio — cash or reinvesting via reinvestment compounding.
- Track with statements and clear updates.
What you can expect
Registered mortgages on real property in Ontario
Conservative loan-to-value thresholds
Diversification across borrowers, geographies, and terms
Active mortgage servicing
Monthly investor statements
Helpful to investors who want…
- Passive income
- Hands-free management
FAQs
What makes this “capital-first”?
Real-property security, conservative loan-to-value, and diversification.
Do I manage tenants?
No. This is mortgage-secured lending exposure, not direct ownership.
What is the process of investing with Nest Capital?
- We will connect you to our registered exempt market dealer.
- A suitability assessment will be done with an exempt market dealer.
- The exempt market dealer will provide the investment next step and funding instructions.
What is the minimum investment?
$10,000 minimum, and many invest more. Eligibility via an exempt market dealer and account type can affect how you subscribe.
MIC vs REIT: what’s different?
A MIC lends against real estate (mortgages), while a REIT owns properties.
Can I invest using TFSAs, RRSPs or other ways?
- Prospective investors can invest individually or through their business.
- We accept cash investments and registered plans investments such as TFSA, RRSP, RRIF, LIRA, LIF, and RESP.
How will income be received for tax purposes?
- Although we are not tax accountants and we recommend that you contact your tax professional, we have answered this simply below
- Returns are treated as interest income. Investors looking to invest via a cash account will receive a T5 statement of investment income.
- Many investors also invest in a tax-free manner, such as TFSAs. You can also invest via RRSPs, RRIFs and other methods.
How does Nest evaluate new loans?
- When we receive a file from a mortgage broker or agent, we evaluate the paperwork and appraisal. We do not accept any files with paperwork deficiencies.
- Once we have examined the paperwork, it is reviewed by our underwriting committee to determine suitability, funding requirements and questions for follow up.
- The file is then sent to one of our real estate lawyers to obtain a full legal evaluation.
- Once approved, Nest Capital MIC confirms and provides funding via our lawyer’s trust account.
- The law firm completes registration and sends electronic and original copies of documentation.
What is the difference between Private Lending and investing in a Mortgage Investment Corporation?
Check out the link to our article here, or click here to watch our video to learn more about the differences between investing in an individual mortgage versus investing in a pool of mortgages!
How can I submit a mortgage file to Nest?
- Nest originates all of its mortgage applications through licensed mortgage agents and brokers across Ontario
- Submit your mortgage file via Filogix, Velocity, or Lendesk
- Lender Type: Private
- Lender: Nest Capital MIC
- Please note that we are open to developing new relationships with mortgage brokers and agents
- Feel free to call us at anytime to discuss a new file
Are you regulated?
- Yes. Nest Capital is regulated through the following:
- The Income Tax Act section 130.1
- The Financial Services Regulatory Authority of Ontario (FSRA)
- Mortgage Brokerages, Lenders and Administrators Act, 2006, S.O. 2006, c. 29
- MORTGAGE ADMINISTRATORS: STANDARDS OF PRACTICE
- The Nest Capital Mortgage Administrator license #12901 is governed by the Financial Services Regulatory Authority of Ontario (FSRA)
If I want to invest, who do I contact?
To invest in Nest Capital MIC, an investor must purchase through a registered dealer:
- Atlas One Digital Securities Inc. – Emmanuel Ideva emmanuel@atlasone.ca or click here to invest
Why Nest Capital?
We have more than 25 years of combined real estate investing experience, as landlords and investing in residential mortgages.