1 King St. W, Suite 2604, Toronto, ON, M5H 1A1


Jeffrey Winters
President and CEO

Jeff Winters has over 15 years of real estate development, private mortgage lending and mortgage brokerage experience. Jeff has been with Sure Capital (and its predecessor Durham Capital) since 2004 and assumed leadership of the Company in 2012. Jeff is also the founder Sure Mortgage, a commercial and residential mortgage brokerage. Jeff has advised clients on asset acquisitions, land assemblies, asset sales and a range of commercial development projects. At Sure Capital, Jeff leads the origination, underwriting and funding of private mortgages.

John Winters
VP, Origination

John was a Chartered Accountant and has been actively involved in the private mortgage business for three decades. He is the Founder of Durham Capital, the predecessor to Sure Capital, which invested in private mortgages in Canada, the U.S. and Latin America. Prior to Durham Capital, John founded and operated a private accounting practice for 15 years. John began his career with Deloitte. At Sure Capital, John is involved in origination and underwriting.

Ernesto Licursi
Senior VP

Ernesto has 25 years of commercial real estate financing experience in Canada and held prior roles at TD Bank, North American Trust, MCAP, Maple Mortgage Trust and KingSett Capital. Ernesto has financed more than $1 billion in commercial mortgages including, CMHC insured mortgages, conventional mortgages and high ratio mezzanine debt. Ernesto holds an Honours Bachelor of Commerce degree from the DeGroote School of Business at McMaster University.

James Heath
Associate, Real Estate Private Lending

James started his work in Commercial Real Estate at Avison Young, where he worked with clients in the sale and leasing of both industrial and office properties.
After returning to school at Ryerson University to study Business, he then worked at Ivanhoe Cambridge where he assisted in the underwriting of commercial leases for retail assets.
James now underwrites new investments and also undertakes portfolio monitoring and management of existing investments at Sure Capital.

Xiaomin Lu
Financial Manager and Administrative Officer

Xiaomin has been with Sure Capital since 2013. Prior to this, Xiaomin was an engineer in the telecom industry and held positions with global engineering companies including Siemens and Alcatel-Lucent. At Sure Capital, Xiaomin manages the accounting and mortgage administration functions. Xiaomin is also a licensed mortgage agent.

Sandra McLean
Office Manager

Sandra has a 30+ year background in payroll and accounting that began in the employment industry with A. Saley and Associates and including ADP and Dundee Securities.
Sandra manages day to day administration and payroll functions