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 mortgage with an annual target return
of 8-9% net.

Learn More
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 mortgage with an annual target return
of 8-9% net.

Learn More
Investors
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.
Partners
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 less volatility.
Borrowers
We provide mortgages where traditional banks and other conventional mortgage companies cannot. Reach out to us to see how we can work together.
Multiple options to invest including no-fee-self-directed RRSP-RRIF and TFSA accounts.

The CMI MIC focuses on markets with strong growth fundamentals. By investing in the CMI MIC, you’ll be capturing market segments that are not filled by traditional banks and investment products.

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 a low-risk investment that provides the return traditional fixed-income products typically cannot.

 

YOUR INVESTMENT IS IN GOOD HANDS


DIVERSIFICATION

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

NETWORK
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.

FUNDS UNDER MANAGEMENT

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.

GROWTH TREND
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.
Mortgage TypeAvg. Interest RateAvg. LTV% of Total Loans
Blanket10.49%56%9.8%
First9.16%66%19.7%
Second10.87%73%67.2%
Third11.49%68%3.3%
Grand Total10.52%70%100.0%

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.

01st May, 2018
Is It Worth Investing in an MIC?
What is a MIC? A mortgage investment corporation (MIC) is an organization handling mortgage applications and investments in Canada. It offers secured shares of diversified and qualified mortgage plans to investors that are based on the Income Tax Act of Canada. Likewise, it also lends money to borrowers in the form of mortgages. How DoesRead More
01st May, 2018
Everything You Need to Know About Investing in Mortgages
What is a Mortgage? A mortgage is a legal agreement between a lender who offers financial help with interest and a borrower who makes regular monthly fees. A real asset is used as collateral to secure the loan. The effectivity of the property as guarantee becomes void at the full payment of the loan. AnyRead More
01st May, 2018
Mortgage Broker Vs. Bank: What Canadians Need To Know
Mortgage Broker Vs. Bank Mortgage brokers are real estate experts acting as middlemen for borrowers and investors. They arrange convenient house financing options for mortgage loan borrowers and supervise the overall mortgage process such as gathering requirements and checking the financial standing of the home buyer. The broker then submits the documents for underwriting. TheirRead More
01st May, 2018
What Is A Mortgage Broker, And Do I Need One?
If you’re ready to fulfill your dream of buying your first dream home, then chances are you’re going to need the help of a mortgage broker to make it happen. But what is a mortgage broker exactly and what can they do for you? For every home buyer’s dream that turned to reality, there isRead More
01st May, 2018
A Comprehensive Guide on How To Get A Mortgage In Canada
A mortgage is a legal agreement between a mortgage lender and mortgage borrower, where the former lends money to the latter at flexible terms. It has a cost determined using current industry rates. According to the Financial Consumer Agency of Canada, your mortgage payments will first cover for the loan’s interest as well as taxesRead More
01st May, 2018
The Importance of Alternative Investments to Canadians
What Are Alternative Investments? Offering different values and rate of returns, alternative investments are complex non-traditional investment assets that do not fall under stocks, bonds, and cash. They can be in the form of tangible assets such as equity, real estate, hedge funds, and financial derivatives, or personal possessions like precious metals, antiques, wines, coins,Read More
01st May, 2018
Hamilton Housing Market Review
The housing market in the City of Hamilton, also known as the “Steel Capital of Canada,” is approaching vulnerable levels in 2018. This is fueled by price increases, overvaluation of properties, and low housing demand. Comparing the data from January 2018 and data from the same month last year, house prices increased for residential andRead More
01st May, 2018
Edmonton Housing Market: The 2018 Investor Research Report
Edmonton, the capital of Alberta, is experiencing improvements in its overall economic condition, which is expected to impact the city’s housing market in 2018. According to the municipal census, many of the residents prefer to dwell in single-detached houses (201,463 residents) and four-story apartments or condos (93,108 residents). Moreover, 36,214 residents prefer to live inRead More
01st May, 2018
Calgary Housing Market Review
Calgary, the third largest municipality in Canada, continues to be a competitive alternate to Toronto and Vancouver among real estate buyers and investors. Buyers are witnessing economic development in the city as there is easier access to real estate projects and higher cap rates. For example, as of the third quarter of 2017, cap ratesRead More
01st May, 2018
Kitchener / Waterloo / Cambridge Housing Market Review
Kitchener, and Waterloo and Cambridge (KWC), Southern Ontario’s Tri-City, is dubbed as “Canada’s Silicon Valley” for being the home of various information technology companies. But now, the three cities are also slowly making their mark in the housing industry even though the performance of their housing market is not as robust as the other activeRead More

Market Research
Our clients enjoy the benefits of our extensive market research including market coverage of ten major cities across Canada. We share our careful due diligence and market assessments with them on a regular basis.

"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