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The Cmi Mortgage Investment Corporation

The CMI MIC Is an Ontario based corporation funding mortgages in urban centers across Canada providing investors with access to a pool of well analyzed and diversified mortgages providing a targeted annual yield of 8-9% net of fee’s.

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The CMI MIC provides a way for individuals and corporate investors to access Canadian real estate markets and take advantage of economies of scale not available to them as individuals.
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Broker and referral partners can diversify their client’s portfolio by adding a fixed income product secured by Canadian real estate while achieving strong returns and doing so with an experienced management team.
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We provide mortgages where traditional banks and other conventional mortgage companies cannot. Reach out to us to see how we can work together.
There are multiple ways to invest including: Cash, RRSP/RRIF, and TFSA accounts.

The CMI MIC focuses on selecting mortgages that have undergone strict due diligence. The CMI MIC is managed by a team of experienced lending professionals that ensures every mortgage purchased is underwritten to maximize safety and continued performance for our investors.

With stability and capital preservation making up the primary pillar of our investment strategy followed by a steady yield, it is time to look at mortgage-based funds as an alternative income producing investment that provides diversification that traditional fixed-income products typically cannot.




One of the ways we work to protect our clients' bottom line is through continued geographic diversification. Having provided mortgages across Canada for over a decade, The CMI MIC is managed by a team that has extensive market knowledge and access to a diverse network of brokers spanning the country to generate opportunities not necessarily accessible by other funds.

Our established and growing network of mortgage partners has allowed us to build a steady stream of qualified mortgage opportunities. Having a strong deal flow ensure the portfolio not only grows but also provides a wider selection pool.


At CMI, we believe that due diligence is both an art and a science. We spend a considerable amount of time identifying investment opportunities that meet our rigorous standards while striking a balance between maximizing return and hedging risk.

As a mortgage brokerage and lender of second mortgages, we have access to a large pool of quality mortgages that naturally feed into the MIC division of CMI.

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Industry Insider

Current Trends

We study the numbers behind market movements and aim to analyze its key indicators before the market moves in a particular direction. Assessing indicators like building permits, housing starts, office vacancy rates and many others help us determine which areas have the greatest potential for your investment.

19th Oct, 2020
CMI State of the Market: Canada’s Resilient Housing Market Sets New Records in September Ahead of Covid Surge
September was another record-setting month for Canadian real estate, as historic supply shortages drove sales and prices to new all-time highs. A rebounding labour market, stimulus relief from the Bank of Canada, the growth of private lenders, and pent-up demand during the pandemic continue to underpin the housing market.  Canada’s Housing Market: By the NumbersRead More
29th Sep, 2020
What Are Mortgage Investment Corporations (MICs)?
The Covid-19 pandemic caught the entire world by surprise. In most major economies like Canada, a synchronized response from all levels of government saw the central bank slash interest rates to record lows. These actions provide much needed support for the financial system and economy during these unprecedented times. With the economy on life support,Read More
21st Sep, 2020
CMI State of the Market: Home Sales Hit New Highs in August as Post-Crisis Recovery Continues
The Canadian economy, and by extension, the housing market continued their post-shutdown recovery in August. The devastating job losses of March and April are in the process of reversing as more segments of the economy reopen and children head back to school.  A rebounding economy and record-low interest rates have been a boon to theRead More
08th Sep, 2020
Preparing for Retirement: Investing During and In Preparation for Retirement 
Investing for retirement is a topic that comes up frequently in any discussion about financial planning. After years of working and saving, people want to feel secure that they will have enough money to live comfortably in their retirement years. In fact, preparing for retirement is one of the main reasons people invest in theRead More
18th Aug, 2020
CMI State of the Market: Canada’s Biggest Real Estate Market Shatters Sales Record as Recovery Continues 
Although the Canadian economy may be going through a recession, the Canadian housing market is rebounding quickly from the pandemic lows. July saw a surge in Toronto house sales, a clear indication that market conditions are improving. As the market continues to recover, it is becoming apparent that the Covid-19 pandemic simply delayed transactions. TheRead More
06th Aug, 2020
What are the Benefits of a Dividend Reinvestment Plan?
What are the Benefits of a Dividend Reinvestment Plan (DRIP)? Record volatility has made 2020 one of the most difficult investment climates in recent memory. A public health crisis, economic distress and geopolitical tensions have forced many investors to reevaluate their risk tolerance and investment goals. Despite these challenges, tools like the dividend reinvestment plan,Read More
20th Jul, 2020
CMI State of the Market: Canadian Home Sales See ‘V-Shaped’ Recovery as Nation Slowly Emerges from Lockdown
Canada’s housing market extended its recovery in June, as home sales and new listings rebounded sharply from their pandemic lows. Record low mortgage rates and the gradual lifting of shelter-in-place orders mean more Canadians are getting back into the real estate market.  While sales remain below their pre-pandemic peak, transactions are back above the ten-yearRead More
13th Jul, 2020
MICs: An effective diversification strategy for private mortgage investments
Mortgage investing has gained considerable notoriety in recent years as more investors realize the opportunities and diversification that are inherent with these investments.  In particular, private mortgages have started to carve out their own niche in the broader mortgage investment spectrum as investors recognize the unique values these products afford. Beyond their value as aRead More
06th Jul, 2020
Modern Portfolio Theory
In 1952, economist Harry Markowitz introduced Modern Portfolio Theory (MPT) in an essay for which he won a Nobel Prize in Economics. This model has served as a cornerstone for modern finance and has inspired both praise and criticism.  MPT’s premise rests on the assumption that investors are risk-averse. The model is a mathematical frameworkRead More
02nd Jun, 2020
CMI Launches its Third MIC Fund to Investors
CMI MIC Prime Mortgage Fund offers investors a conservative, low-risk investment solution. TORONTO, ONTARIO (June 2, 2020) – CMI announced today that they will be launching their third and latest Mortgage Investment Corporation (MIC) fund to the market on July 1, 2020. This MIC fund, the CMI MIC Prime Mortgage Fund, will provide investors withRead More
"I have been a client with CMI for a number of years and, in actuality, it feels like a partnership. As soon as the opportunity came available to invest in the CMI MIC, I didn't hesitate. This investment has been sound and has delivered better than anticipated. Each month I receive an electronic detailed report outlining the investment yield. I know that the CMI professionals are knowledgeable, approachable and available. Investing with CMI has been a very positive experience and I would not hesitate to recommend them to fellow investors". Chris - Investor
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