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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Investors
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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.
Partners
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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.
Borrowers
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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.

 

YOUR INVESTMENT IS IN GOOD HANDS


DIVERSIFICATION

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.

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.

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.

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
26th May, 2020
The Relevance of Alternative Investments in Volatile Markets
The current economic and investment climate, brought on by the COVID-19 pandemic, has created considerable volatility and uncertainty in capital markets. The stay-at-home protocol that has become the norm in many of the largest countries around the globe has stymied these economies, leading to job losses and lost business as these economies have nearly groundRead More
06th May, 2020
Alternatives in fixed income investing
The COVID-19 pandemic has sent shockwaves throughout the economy. Stock and bond markets have been spiraling as both corporate profits and interest rates have fallen in response to this unprecedented historic event. It appears that uncertainty will remain in the market until such time that the global economy reaches a new normal. Fixed income investments,Read More
30th May, 2019
10 Questions That Lead to the Right MIC
Mortgage Investment Corporations have come a long way since their inception in 1973. Now popular among investors for their well-balanced risk-and-return profiles, the Canadian MIC industry has attracted a growing number of companies who strive to put your hard earned capital to work. But not all MICs are created equal. The most successful ones acknowledgeRead More
25th Sep, 2018
Victoria Housing Market Review
Victoria is the capital of British Columbia and is a community of choice for many individuals. One of the many reasons is the economic opportunities the city provides. Consequently, its housing market has experienced a notable increase in demand, although overall sales performance has declined due to rising home prices. In a recent report byRead More
25th Sep, 2018
Vancouver Housing Market Review
Vancouver, the largest city in British Columbia, is one of the best places to live in Canada and, arguably, in the world. Unsurprisingly, the city of Vancouver has had exceptional growth over the years, though the economy and its growth has cooled down. The city’s housing market, in particular, is expected to boom. Housing pricesRead More
25th Sep, 2018
Toronto Housing Market Review
Toronto, Canada’s financial capital, is considered to be an international center for business and finance, and its robust economy has positively driven the booming housing market. However, this city is not without its own housing-related troubles as investing here is tougher compared to other cities. According to the Toronto Real Estate Board, sales in FebruaryRead 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
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