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CMI MIC Mortgage

Investments Starting at $5,000

Access private mortgage investment opportunities with your RRSP, RRIF and TFSA

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Earn Income on your RRSPs and TFSAs

As a leader in private lending, Canadian Mortgages Inc (CMI) offers retail and private investors access to investment assets that are eligible for inclusion in registered retirement plans (RRSPs) and Tax-Free Savings Accounts (TFSAs).

 

The CMI Mortgage Investment Corporation (MIC) offers a family of three diverse funds allowing investors to access Canadian real estate markets and take advantage of economies of scale not typically available to individuals. Investing into one of our MIC funds with your RRSP capital could be a great way to grow and diversify your portfolio. CMI MIC Funds also offer a DRIP (dividend reinvestment plan), which provides investors a compounding rate of return.

Portfolios designed for a variety of investment objectives

The CMI MIC Funds are designed to meet the needs of investors across a broad range of investor profiles. Our portfolios invest primarily in first and second residential mortgages in traditionally strong, stable real estate markets across Canada.

Managed by a team of experienced mortgage and investment professionals, these funds are well-diversified across geographic regions, borrower and mortgage types, all of which are 100% secured by collateralized real estate. Overhead and carrying costs are kept to a minimum in order to lower fees and maximize returns for investors.

As the fund manager, CMI is focused on achieving consistent, appreciable returns for all three of our MICs through active and prudent investment management practices over the long term.

We offer three distinct MIC funds to meet the needs of investors.

High Yield Opportunity Fund
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Balanced Mortgage Fund
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Prime Mortgage
Fund
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Invests in
Primarily second mortgages
First and second mortgages
Primarily first mortgages to minimize volatility
Average Loan-to-Value (LTV) cap
85%
75%
65%
Investor Risk Profile
Aggressive
Moderate
Conservative
Target Annual Return
10 – 11%
8 – 9%
6 – 7%
Dividends Paid
Monthly
Monthly
Monthly
Registered Plan Eligible
Yes
Yes
Yes
Fund Codes
Series A
Series F

311
312

301
302

321
322

Management Fee
1%
1%
1%

FIXED

INTEREST RATES ALLOW FOR PREDICABLE CASH FLOW

INVEST

RRSP, RRIF, RESP, LIRA, TFSA

6-11%

TARGET ANNUAL RETURNS

DIVERSE

POOLING OF FUNDS WITH OTHER INVESTORS INTO MULTIPLE MORTGAGES

Why Invest With CMI

When you invest with CMI, you can rely on our extensive experience in the mortgage industry, which has historically produced consistent and appreciable returns through our prudent underwriting and due diligence processes. Our MIC funds emphasize capital preservation and diversification while targeting attractive, consistent returns over the long term.

Our experienced management team oversees each of our three MIC funds, managing all aspects of our operation from asset selection to administration and mortgage servicing. As a result of this careful monitoring, the CMI MIC Fund managers have a loan loss rate of less than 1% since inception.

Shares in our CMI MIC Funds are offered via registered securities dealers and issued contingent upon the investor qualifying. Minimum investment: $5,000. Investments can be made in cash or registered funds via a qualified trustee. CMI MIC Funds offer penalty free redemptions after 12 months, redemptions are processed quarterly with 30 days’ notice

CMI MIC Funds Targeting stable, consistent returns

Investors today face the tough challenge of navigating a volatile equity market and a historically low interest rate environment. To offset these obstacles, investors are increasingly exploring alternative investment options such as MICs, which capitalize on Canada’s attractive real estate market.

As regulated financial institutions continue to tighten mortgage lending guidelines and credit availability, the private lending market will increase in volume, as will the availability of quality mortgages for MICs.

CMI Mortgage Investments Program

Investors today face the tough challenge of navigating a volatile equity market and a historically low interest rate environment. To offset these obstacles, investors are increasingly exploring alternative investment options such as MICs, which capitalize on Canada’s attractive real estate market.

As regulated financial institutions continue to tighten mortgage lending guidelines and credit availability, the private lending market will increase in volume, as will the availability of quality mortgages for MICs.

Investors today face the tough challenge of navigating a volatile equity market and a historically low interest rate environment. To offset these obstacles, investors are increasingly exploring alternative investment options such as MICs, which capitalize on Canada’s attractive real estate market.

As regulated financial institutions continue to tighten mortgage lending guidelines and credit availability, the private lending market will increase in volume, as will the availability of quality mortgages for MICs.

Contact Us

Contact us for more information on our MIC funds or to book an appointment with one of our
Investment Professionals.
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