Vector Mortgage Trust
By:
Vector Financial
Vector Mortgage Trust (VMT) offers investors access to a diversified portfolio of short-term mortgage loans in the GTA. Backed by over 50 years of lending experience, VMT delivers consistent returns, while prioritising capital preserve for investors.
Location
Ontario
Risk Profile
Low - Moderate
N/A
Min. investment
$10,000
Investment Strategy
Fixed Income
ARR
7 - 10%
Horizon
Open-Ended
Introduction
Vector Mortgage Trust is an investment trust that provides a unique opportunity for investors to benefit from a carefully curated portfolio of mortgage loans secured by real estate in the GTA. With a primary focus on short-term mortgages tied to prime rates, VMT offers a consistent and stable income stream while safeguarding principal.
The trust’s average loan term of 18 months allows for timely repricing as interest rates change, providing protection against rate risk. Over its 50-year history, the Vector Group has developed a reputation for delivering risk-adjusted returns, while keeping operational costs low. The trust’s hands-on portfolio management strategy is central to its consistent performance. With over $355 million in mortgages under management across 46 loans, Vector Financial has a long-standing track record of stability and success.
Key Reasons to invest
A Perfect Track Record
Over the past 7 years, Vector has experienced zero loan losses.
Registered Fund Eligible
Invest now with your RRSP, TFSA, RESP, LIRA, or RRIF account.
Project Overview
Vector Mortgage Trust focuses its investment strategy on funding short-term mortgages for real estate development in high-demand markets within the GTA. With an emphasis on land acquisition, refinancing, and construction loans, VMT provides financing for small- to medium- sized residential projects in areas poised for significant growth. The trust’s lending portfolio includes a range of loan types, from pre-development loans to construction and term financing.
VMT’s disciplined investment strategy, coupled with hands-on portfolio management and thorough due diligence, ensures a stable yield and secure returns. The principals and families of Vector Financial have additionally invested in every loan offered, fully aligning their interest with those of their investors.
Location
The trust’s core geographic focus is the GTA region, including the Greater Golden Horseshoe area, which is renowned for its robust real estate market. This area is driven by continued population growth, urban expansion, and a strong demand for new housing developments. By concentrating its mortgage portfolio within 60 minutes of the GTA, VMT ensures that it remains positioned in areas with stable market fundamentals and strong future growth potential.
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Developer Overview
Vector Financial is a place where interests of capital and entrepreneurs align. They open the doors of real estate investing to both investors and developers. Through a carefully selected portfolio of quality investment opportunities, they have been able to deliver a 7 – 9% annual return to our investors over the last 7 years. Each loan is managed in-house, where their experienced team works to develop opportunities that reflect the values and investment goals of their clients and community.
Vector is a private (non-bank) Mortgage Lender, Brokerage and Administrator. Their group has been providing commercial mortgages to a diverse group of borrowers in the Greater Golden Horseshoe Area since 1969.