Invest with Confidence

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.

Do you have a question?

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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.

18th Dec, 2020
CMI State of the Market: Home Sales Decline in November, but Historical Trend Remains Strong
Real estate activity weakened slightly in November, but remained elevated compared with year-ago levels, signaling once again that the Canadian housing market stands on solid footing. The outlook on the broader economy is somewhat mixed in the short-term as regions cope with a renewed surge in COVID-19 cases. Beyond the immediate term, however, relief appearsRead More
11th Dec, 2020
Assessing the Lending Climate During COVID
Real estate has been one of the biggest catalysts of Canada’s economic recovery from COVID-19. Strong pent-up demand, favourable interest rates and a rush to the suburbs have kept home sales and real estate values trekking upward for much of the latter half of 2020. For lenders, however, the pandemic has created a new andRead More
04th Dec, 2020
The State of the Economy During COVID
It was a little over a year ago that a mysterious illness emerged from Wuhan, China,  and altered the trajectory of our global economy. By almost every conceivable measure, the COVID-19 pandemic delivered a swift and massive shock to our system — one whose ripple effects are likely to be permanent.   Both as a publicRead More
20th Nov, 2020
CMI State of the Market: Sales Activity Weakens in Toronto, but Overall Market Remains ‘Historically Strong,’ Says CREA
Canada’s housing market appears to have stabilized in recent months, though national sales activity remains above trend, signalling a continuation of the post-crisis recovery that began during the summer. For October, home sales rose in about half of all local markets, led by Montreal, major Alberta cities, and the Fraser Valley.  Canada’s Housing Market: ByRead More
06th Nov, 2020
How Can Investors Position Themselves to Navigate the Enduring Effects of COVID-19?
With a record-breaking rise in COVID-19 cases, growing uncertainty around new restrictions, lockdowns, and economic setbacks has left many Canadian investors wondering how to navigate their way through the enduring effects of the pandemic. As of October 17, Canada had 196,321 confirmed or presumptive coronavirus cases. Meanwhile, south of the border, the US not onlyRead More
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
"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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