^{Who We Are} Built on a formula for mutual success.

Steve Ponte, who co-manages PHL and serves on the Lending Committee, provides over 15 years of combined financing, construction and development experience. He is responsible for securing commercial and residential mortgages in addition to construction and development financing. Prior to joining PHL, he held various senior roles with TD Commercial Bank, focusing on their large commercial business segment.

Steve is the Past President of the BC MIC Managers Association (BCMMA), whose membership includes some of British Columbia’s largest and most reputable Mortgage Investment Corporations. He also serves on the Board of Directors for the Canadian Alternative Lenders Association.

Ravi Munday serves as Vice President of Investments at PHL, where he has been since 2015. In this role, he oversees the firm’s capital raising strategy across all distribution channels, including institutional and retail. Ravi brings over 15 years of real estate experience combined with extensive knowledge of investing and financing operations.

Ravi holds a Bachelor of Commerce degree with a double-major in Finance and Business Administration from the University of Northern British Columbia. He is also a registered Dealing Representative, which enhances his ability to effectively manage investment relationships and maintain regulatory compliance while supporting PHL’s growth initiatives.

Phone: 604.579.0844
Email: [email protected]

Quyen Vu, Vice President of Credit at PHL, brings over a decade of financial leadership in credit strategy, risk management, and mortgage analysis, enhanced by experience in venture capital and micro-credit programs across Sri Lanka, Vietnam, and Malaysia. A Simon Fraser University Beedie School of Business graduate, he spearheads strategic growth through conservative lending frameworks and operational efficiencies that prioritize capital preservation. At PHL, Quyen merges innovative solutions with insights from his non-profit background, driving sustainable practices that reinforce the company’s commitment to ethical finance.

Aaron Duhra, Vice President of Sales & Capital Origination at PHL, has spearheaded strategic growth since joining in 2017 by leading business development and underwriting teams to drive cross-provincial expansion into Alberta and Ontario. A Simon Fraser University Business Administration graduate, he structures tailored private lending solutions while strengthening relationships with mortgage brokers nationwide. Aaron fosters a high-performance culture that synergizes risk assessment precision with market agility, enabling his teams to identify and capitalize on emerging opportunities. His leadership has been instrumental in scaling PHL’s operations, enhancing service delivery across Canada’s most dynamic real estate markets.

Chris Lindsay is the Chief Compliance Officer (CCO) and a registered Dealing Representative. As CCO, Chris is responsible for the PHL’s compliance with the applicable securities regulations, the Firm’s processes and procedures, AML, and communication with the UDP and Board of Directors. Chris has obtained his MBA from the University of Calgary, Haskayne School of Business and is also a double graduate of the University of Alberta, with Bachelor’s in both Arts and Commerce.

Karmel Hasel is Chief of Staff at PHL, driving operational innovation and strategic alignment across the organization. She advises executive leadership on enterprise-wide priorities while fostering a culture of continuous improvement through process optimization, technology adoption, and cross-departmental collaboration. Karmel champions streamlined workflows to enhance organizational efficiency. Her operational leadership spans HR strategy refinement, marketing oversight, and stakeholder engagement systems. Beyond optimizing internal processes, she orchestrates flagship corporate events and leads community initiatives as chair of The Lending A Hand Society.

Jennifer Lowe is the Director of People & Culture at PHL, a Chartered Professional in Human Resources (CPHR) with 20 years of experience shaping workplace cultures across construction, manufacturing, and restoration sectors. A BCIT graduate, she designs talent strategies that align leadership development and operational scaling with PHL’s growth objectives. Jennifer’s expertise in equitable workforce practices, refined through roles in the restoration and construction sector, drives initiatives integrating continuous learning pathways and wellness frameworks. Her passion for cultivating exceptional employee experiences positions PHL as an employer of choice, fostering innovative workplaces where engagement and strategic vision converge organically.

Harpreet Tamber is a seasoned financial professional with extensive expertise in corporate finance, financial reporting, and strategic leadership. As Chief Financial Officer at PHL, he oversees robust financial strategies, ensuring sustained growth and profitability. With a strong background at leading organizations, including ICBC and Trez Capital, Harpreet brings over a decade of experience in driving financial excellence. A Chartered Accountant (CPA, CA) and Chartered Financial Analyst (CFA), he possesses a deep understanding of accounting, investment analysis, and alternative lending. Harpreet’s leadership exemplifies a commitment to optimizing financial performance and delivering exceptional value to stakeholders in dynamic market environments.

Ravi Munday serves as Vice President of Investments at PHL, where he has been since 2015. In this role, he oversees the firm’s capital raising strategy across all distribution channels, including institutional and retail. Ravi brings over 15 years of real estate experience combined with extensive knowledge of investing and financing operations.

Ravi holds a Bachelor of Commerce degree with a double-major in Finance and Business Administration from the University of Northern British Columbia. He is also a registered Dealing Representative, which enhances his ability to effectively manage investment relationships and maintain regulatory compliance while supporting PHL’s growth initiatives.

Phone: 604.579.0844
Email: [email protected]

Brianna Ahluwalia serves as a Dealing Representative at PHL, where she oversees the monthly share offerings and filings with security commissions. She started at the company in administration and working closely with both the lending and investing sides of the business before transitioning to full-time investments.

Prior to joining PHL, Brianna worked in retail banking for 4 years as a lead. She holds a Bachelor of Sociology degree from Simon Fraser University. Her diverse background in banking and administration provides her with a well-rounded perspective in her current role.

Phone: 778.309.4787
Email: [email protected]

Kristen Patton is a Dealing Representative at PHL with 23 years of experience in the financial industry, including 8 years in the exempt market space. She assists in raising capital for monthly offerings while performing client suitability obligations to meet compliance requirements. Kristen holds an Exempt Market Proficiency Certification and is well-versed in both registered and non-registered accounts, including their tax benefits and implications.

In her role at PHL, Kristen helps clients optimize their portfolios and achieve financial stability through diversified mortgage investments. Her extensive background in relationship management and private capital solutions enables her to build strong client relationships and structure effective financial solutions. Kristen’s industry knowledge and commitment to professional growth make her a valuable asset to the PHL team.

Phone: 778.373.6683
Email: [email protected]

Phone: 778.373.6687
Email: [email protected]

Aaron Duhra, Vice President of Sales & Capital Origination at PHL, has spearheaded strategic growth since joining in 2017 by leading business development and underwriting teams to drive cross-provincial expansion into Alberta and Ontario. A Simon Fraser University Business Administration graduate, he structures tailored private lending solutions while strengthening relationships with mortgage brokers nationwide. Aaron fosters a high-performance culture that synergizes risk assessment precision with market agility, enabling his teams to identify and capitalize on emerging opportunities. His leadership has been instrumental in scaling PHL’s operations, enhancing service delivery across Canada’s most dynamic real estate markets.

Kevin Cheng serves as the Sales Manager for Western Canada at PHL, where he oversees sales and originations in the British Columbia and Alberta markets. His daily responsibilities include fostering new relationships with broker partners and enhancing PHL’s sales and originations processes. Kevin brings 9 years of real estate and mortgage lending experience to his role.

Kevin holds a Bachelor of Business Administration degree from Simon Fraser University with a concentration in Finance. His background enables him to effectively manage PHL’s Western Canada operations while supporting the company’s broker partners across British Columbia and Alberta.

Julia Li serves as a Senior Mortgage Analyst at PHL, specializing in the Ontario market where she manages sales operations and broker relationships. As the primary point of contact for deal inquiries in Ontario, Julia works closely with mortgage brokers to provide efficient and tailored lending solutions for their clients.

With five years of experience in the private lending sector, Julia brings valuable insight to the Ontario mortgage landscape. Her background in underwriting gives her a comprehensive understanding of risk assessment and mortgage structuring, allowing her to effectively evaluate a wide range of financing scenarios.

As a licensed mortgage agent, Julia combines her technical expertise with relationship management skills to support PHL’s broker partners. Her professional approach and dedication to client satisfaction align perfectly with the company’s commitment to building long-term partnerships based on transparency and reliability.

Nathan Laronde, a licensed mortgage broker, joined PHL Capital in 2020 after working as an independent mortgage broker for several years. He assists PHL with day-to-day sales processes and mortgage origination.

Nathan holds a Bachelor of Arts degree in Anthropology from The University of British Columbia and a Marketing Management Diploma with a specialization in Professional Real Estate from the British Columbia Institute of Technology.

Tej Sidhu has served as a Senior Mortgage Analyst with PHL since 2022, where he plays a key role in the origination and underwriting of both residential and commercial mortgages. His analytical approach and attention to detail enable him to structure financing solutions that meet clients’ specific needs while maintaining PHL’s underwriting standards.

With a Bachelor of Business Administration degree in Finance from the University of the Fraser Valley, Tej brings a strong financial foundation to his mortgage analysis. He has further enhanced his industry expertise by completing the specialized mortgage brokerage course at the University of British Columbia.

Tej leverages his educational background and mortgage experience to provide comprehensive analysis of diverse financing scenarios across British Columbia. His commitment to thorough due diligence and client satisfaction reflects PHL’s dedication to building trusted partnerships and delivering reliable mortgage solutions.

Drew Davidson holds a double-major in Real Estate and Marketing Management from Toronto Metropolitan University (TMU) and is a licensed mortgage agent. His academic background provides him with a solid foundation in both real estate principles and marketing strategy.

Since 2018, Drew has established himself in the mortgage industry through roles at leading Canadian financial institutions including CIBC and Equitable Bank, where he managed top-performing broker accounts. His experience extends to underwriting and sales at 360lending mortgage brokerage, where he focused on helping clients achieve their goals and improve their financial positions.

Drew possesses extensive knowledge of residential mortgages and real estate markets across Canada, with particular expertise in Ontario. His combination of formal education and practical experience enables him to analyze mortgage scenarios effectively and identify optimal financing solutions for clients.

Anne McIlveen serves as Senior Compliance Officer at PHL, where she ensures regulatory adherence and fosters ethical practices across the organization. With 6 years of industry experience in both operational and compliance roles, she holds Exempt Market Proficiency and Chief Compliance Officer Qualifications that strengthen her technical expertise in the field.

In her current role, Anne reviews all trades and redemptions for suitability and provides comprehensive compliance training and guidance to PHL staff. Her background includes significant experience in operations coordination and legal assistance within the financial services industry, making her adept at streamlining processes and supporting organizational growth while maintaining strict regulatory compliance.

Chris Lindsay is the Chief Compliance Officer (CCO) and a registered Dealing Representative. As CCO, Chris is responsible for the PHL’s compliance with the applicable securities regulations, the Firm’s processes and procedures, AML, and communication with the UDP and Board of Directors. Chris has obtained his MBA from the University of Calgary, Haskayne School of Business and is also a double graduate of the University of Alberta, with Bachelor’s in both Arts and Commerce.

Craig Rubis serves as Legal Counsel at PHL, having joined the organization in 2024. With over 4 years of experience as in-house counsel with alternative lenders in Canada, he focuses on providing legal and compliance oversight across all of PHL’s business divisions. Craig is also registered as a Dealing Representative.

Craig holds a Juris Doctor and a Master of Business Administration with a specialization in Finance, both from Queen’s University. His educational background and industry experience enable him to support PHL’s operations while ensuring adherence to regulatory requirements.

Steve Ponte, who co-manages PHL and serves on the Lending Committee, provides over 15 years of combined financing, construction and development experience. He is responsible for securing commercial and residential mortgages in addition to construction and development financing. Prior to joining PHL, he held various senior roles with TD Commercial Bank, focusing on their large commercial business segment.

Steve is the Past President of the BC MIC Managers Association (BCMMA), whose membership includes some of British Columbia’s largest and most reputable Mortgage Investment Corporations. He also serves on the Board of Directors for the Canadian Alternative Lenders Association.

Parm Purewall, who established PHL Capital in 2008, has been a licensed mortgage broker since 2004 and has worked in real estate development and financing for over 20 years. He co-manages the Company while serving on the Lending Committee. He is also a Director of MortEq Lending Corp.

Prior to establishing PHL Capital, Parm worked in various roles with TD Commercial Bank, specializing in real estate and commercial lending. He also worked with the Lanyard Group, a real estate investment banking and investment firm.

Parm earned a Bachelor of Business Administration degree from Simon Fraser University with a focus on finance and marketing. He also holds the Chartered Financial Analyst designation.

Bobby Grewal worked at Price Waterhouse Coopers for five years before launching his own accounting firm, Grewal & Co. Chartered Accountants, in 2003. Bobby is one of the owners and part of the management team of Allied Insurance Services, an insurance business with several locations in Metro Vancouver. He also has extensive experience in real estate investments.

Bobby holds a Bachelors of Business Administration (BBA) from Simon Fraser University with a concentration in Accounting. He has also obtained the Chartered Accountant (CA) designation. Bobby is on the Lending Committee of the Company.

Sunjeev Bath worked as a Financial Analyst before founding Western Rugged Tools, a Canadian based manufacturer and distributor of tools and related products in 2002.  He is a Director and Principal of Surrey Cedar and is actively involved in real estate investment and management.

Sunjeev holds a Bachelors of Business Administration (BBA) from Simon Fraser University with a concentration in Finance and Marketing. He has also obtained the Chartered Financial Analyst designation. Sunjeev is on the Lending Committee of the Company.

John Tilstra was the founder of Centra, an employee owned window company and successfully transitioned it to 250+ owners in his 35 years of service. John has deep experience in land development and building with over 35 years experience with a focus commercial and residential land development and project opportunities.

John was also awarded the 2011 Pacific Region Entrepreneur of the Year in real estate and construction by Earnest & Young. He is also serves on the Board for Nightshift Street Ministries and Wesmont Foundation.

Ivano Cristante graduated with a Bachelor of Commerce from the University of British Columbia and achieved Honour Roll standing on the 1990 UFE (placing in the top 10 in BC). Ivano obtained his CA designation in 1992 and became a Partner at Hedden Chong in 1997.

Ivano has extensive experience working with incorporated professionals and owner-managed businesses with an emphasis on the construction, consulting and medical professional sectors. Ivano enjoys assisting clients to streamline their businesses, manage their tax risks and preserve their capital.

Jason Howlett has been a licensed Realtor since 2000. He started out in the real estate industry marketing new projects in the Langley area. He then transitioned to specialize into land assembly and investment property in the Langley and Surrey area. Prior to entering the industry, Jason received a Marketing Management Diploma with the Real Estate option from BCIT.

Jordan is the Founder and CEO of fabric living, a multifamily real estate development company that specializes in developing purpose-built rental communities.  fabric properties are inspired by the boutique hotel experience and are strategically located in vibrant, walkable urban neighborhoods that are rich in amenities and culture.

Jordan started his career as a Junior Analyst at CBRE followed by 5 years at Cushman & Wakefield as a Commercial Real Estate Broker. Following Cushman & Wakefield, Jordan co- founded a multi-disciplinary commercial real estate brokerage based in the Fraser Valley, which he built into a market leading commercial real estate brokerage in the region before exiting to follow his dream to be a real estate developer.

Jordan founded fabric in 2015 and alongside the fabric team and partners, has built a business that allows him to wake up every day excited to see the people he works with, to work on the projects he is extremely passionate about, and to deliver a service to society that holistically enhances our local communities.

Jordan has been directly involved in multiple facets of the real estate industry in Vancouver and the Lower Mainland for the past 20 years, delivering on over $1B in transactions and projects.

With over 20 years of Commercial and Corporate Banking experience primarily focused on M&A and management & leveraged buy-outs. Diverse sector coverage includes energy, real estate, transportation, manufacturing, and industrials.

Michael holds a BBA in Finance from Simon Fraser University and is a CFA charterholder.

Paul Grewal is a partner of Fasken Martineau DuMoulin LLP. He practices corporate commercial law with a particular emphasis on secured lending and real estate. Paul acts for buyers, sellers, investors, developers and lenders in all aspects of real estate and development. He also has experience with mortgage investment corporations and a range of commercial transactions.

Robert Gritten graduated with a Bachelor of Commerce (Urban Land Economics) from the University of British Columbia in 1979. He provides his private and corporate clients with strategic advice on all classes of commercial real estate. In 2005, Rob began leading private partnership investment in medium scale income-producing real estate assets. His implementation of strategic initiatives has generated stable income and significant capital growth. Rob uses his experience, intuition, and creative solutions to exceed his investors’ expectations. In 2013 Rob founded and chaired Avison Young Commercial Real Estate’s global philanthropy committee, creating guidelines and focus to grow employee awareness and participation with charities important to them.

Rob operates with intelligence, integrity, and respect, in an enjoyable and practical manner.