Capital Wave Management Corp.

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Langley, BC
Capital Wave Management Corp.

Mortgage Investment Corporation.

10/16/2026

🍂 This October, we’re sharing a closer look at the care and discipline behind our lending decisions and the details that matter to our investors.

At Capital Wave, thoughtful underwriting and strong relationships are central to our approach. We look beyond the initial opportunity to consider the details, ask meaningful questions, and evaluate the risks.

For investors exploring fixed-income opportunities in private credit, knowing the process is just as important as understanding the investment itself.

Curious about the Capital Wave approach?⏩
Let’s connect!

For informational purposes only. Not investment advice, a solicitation, or an offer to sell securities. Eligibility and offering terms apply.

10/14/2026

Rates held. The message may matter more. 📊

On September 2, the Bank of Canada held its overnight rate at 2.25%. For accredited investors, what the Bank said may matter more than what it did.

The picture is mixed. Growth picked up in the second quarter, unemployment edged lower, and headline inflation is still running near 3%. At the same time, the Bank pointed to soft hiring, spare capacity in the economy, and uncertainty from new tariffs.

What to watch heading into October 28:

• Inflation: is it spreading beyond gas prices?
• Growth: was Q2 a rebound or the start of a trend?
• Bond yields: long-term rates have already risen, nudging fixed mortgage rates higher
• Forward guidance: any signal on the Bank's next move

For real-estate lenders, a steady policy rate supports pricing and underwriting visibility. But stability at the top doesn't remove risk underneath. Credit, liquidity, and market risks remain, which is why loan-level discipline matters in every rate environment.

🗓️Next decision: October 28, 2026

📩Questions about how private lending fits the bigger picture?
Send us a message.

Educational only. Not financial, tax, or investment advice.

10/09/2026

✨ Deal Closed | Surrey, BC ✨

We recently funded a second mortgage that allowed our borrowers to access equity in their home to help cover the cost of their daughter's wedding. With a clear exit already in place, the borrowers will be working with their first mortgage lender to refinance within the year, providing a well-defined path to repayment.

🏡 Deal Snapshot
🏗️ Property Value: $2,750,000
📄 1st Mortgage Balance: $1,800,000
💰 Total Loan Amount: $140,000
📊 Loan To Value: 71%
💵 Position: 2nd Mortgage
📍 Location: Surrey, BC

Freshly funded and ready to move forward.👊

Message us for more details!

Information only; not an offer to lend or sell securities. All transactions subject to underwriting, due diligence, and approval. Past Performance is not indicative of future results.

10/08/2026

Rates are holding. Here's what that means for MICs. 🏦

On September 2, the Bank of Canada held its overnight rate at 2.25%, its seventh straight hold. With inflation risks and long-term bond yields both on the rise, many are watching the October 28 announcement closely for any shift in direction.

For Mortgage Investment Corporations, rate decisions can shape:

• Borrowing costs and variable-rate loan pricing
• New mortgage and renewal rates
• Borrower demand and refinancing activity
• Portfolio spreads and net yield

But the policy rate is only part of the story.

A MIC's results come down to the fundamentals: disciplined underwriting, conservative loan-to-value, borrower quality, loan position, geographic focus, and proactive arrears management.

There's also a reason private lending exists in any rate environment. Many good borrowers don't fit the bank box. Examples include self-employed business owners, bridge and construction financing, time-sensitive purchases, and equity-rich borrowers with non-traditional income. MICs are built to structure tailored solutions for exactly these situations, case by case, rather than through a one-size-fits-all formula.

Whether rates hold, rise, or fall, a well-run MIC is built to adapt.

Rates move the market. Fundamentals drive performance.

📩 Want to learn how MICs work? Send us a message.

Educational only. Not financial, tax, or investment advice.

10/02/2026

🚀 Deal Closed | Vancouver, BC ✨

We recently funded a second mortgage that allowed our borrowers to unlock equity in their principal residence to invest in a commercial building alongside their partners. With plans to relocate to Alberta, where the commercial investment is located, the borrowers intend to sell the property within the year, creating a clear and defined exit.

🏡 Deal Snapshot
🏗️ Property Value: $1,750,000
📄 1st Mortgage Balance: $756,000
💰 Total Loan Amount: $500,000
📊 Loan To Value: 72%
💵 Position: 2nd Mortgage
📍 Location: Vancouver, BC

Capital in place. Momentum building.💹

Message us for more details!

Information only; not an offer to lend or sell securities. All transactions subject to underwriting, due diligence, and approval. Past Performance is not indicative of future results.

10/01/2026

🍂 A new season is a good time to take a closer look at your investment strategy, and for those exploring alternative fixed income investments, clarity matters.

When investing in a Mortgage Investment Corp, consider the following:
▪️How capital is deployed?
▪️How opportunities are evaluated?
▪️What risks are involved?
▪️Whether the investment structure aligns with your objectives?

At Capital Wave, we take a disciplined, relationship-driven approach to mortgage backed lending built around thoughtful underwriting, transparency, and long-term perspective.

If you are considering whether fixed-income investments in private credit may have a place in your portfolio, let’s start with a conversation.

For informational purposes only. Not investment advice, a solicitation, or an offer to sell securities. Eligibility and offering terms apply.

09/25/2026

🚀 Deal Closed | Surrey, BC ✨

We recently funded a short-term second mortgage bridge loan for a light industrial property in Surrey. Our borrowers are high-net-worth individuals with strong revenue and financials, and the conservative 37% LTV provides substantial equity protection. The borrowers are currently working with another financial institution on a refinance that will pay out both their existing term facility and our second mortgage within a few months.

🏭 Deal Snapshot
🏗️ Property Value: $19,500,000
💰 Loan Amount: $1,200,000
📄 1st Mortgage Balance: $6,000,000
💵 Position: Second Mortgage Charge
📊 Loan To Value: 37%
📍 Location: Surrey, BC

Strategic capital. Swift ex*****on. Proven solutions. 🤝

Connect with us to learn more.

Information only; not an offer to lend or sell securities. All transactions subject to underwriting, due diligence, and approval. Past Performance is not indicative of future results.

09/24/2026

🍂 At Capital Wave, we focus on disciplined underwriting, risk management, diversification, liquidity, and transparency in alternative lending and fixed income investments.

Curious how real-estate backed lending could fit into your portfolio?

DM us or tap the link in bio to start the conversation.

Investment opportunities may be available only to eligible investors. This post is for informational purposes only and is not investment advice or an offer to sell securities. All investments carry risk, including possible loss of principal.

07/13/2026

Exciting Announcement from Capital Wave Management 🚀

We are pleased to share the results for another solid quarter, Q2 2026:

💼 8.68% return (annualized/issuer calculated)
📈 Continued stability across our diversified portfolio
🤝 Ongoing commitment to delivering value for our investors

Our experienced team continues to navigate the evolving lending landscape with discipline and care, focusing on consistent, risk-conscious performance for our valued investors. We are grateful for your continued trust and partnership as we work together toward long-term financial growth.

✨ Interested in exploring new investment opportunities? Let’s connect and grow together!

Information provided for discussion purposes only and does not constitute an offer to sell securities. Past performance is not indicative of future results. Investments are offered pursuant to applicable exempt market rules.

06/24/2026

Did you know your TFSA can do more than just hold cash?💵

⏩Here are 3 general facts many Canadians haven’t heard:

-TFSAs can hold a wide range of qualified investments beyond just savings and GICs.
-Certain eligible investments can generate quarterly/monthly income inside a TFSA.
-For investors who qualify, some fixed income mortgage investment structures, such as a MIC may be held in a TFSA, if they meet CRA eligibility rules.

DM us to learn more📲

Disclaimer:
This post is for general information purposes only and does not constitute investment advice. Past performance is not indicative of future results. Prospective investors should review the Offering Memorandum and consult with a dealing representative before investing.

Address

#A400 – 20020 84 Avenue
Langley, BC
V2Y5K8

Website

http://www.capwave.ca/

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