Private Mortgages

As private mortgage lenders you deal directly with us, the Broker. This builds a strong relationship,
keeps communication clear and results in a plan tailored to fit your needs. Our focus is on short term
transitional lending where we can improve a client’s situation and move them into conventional and
lower interest rate financing. And because you deal directly with us, the Broker, you pay no additional fees.

Syndicate Mortgages

A Syndicate Mortgage is a tool that allows several investors to choose and, collectively fund one mortgage
instrument.  What is unique about this mortgage is that each and every individual investor has their full
face investment amount registered and secured in their individual name at the Land Registry Office.
This provides a direct charge against real estate and the collateral for your investment registered in your
personal name; not a fund, not a pool, not collateral in favour of anyone else but in your individual name.

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Mortgage Investment Corporation (MIC)

The first Mortgage Investment Corporations (MIC) was created in the 1970s. A Mortgage Investment
Corporation or often referred to as MIC, is a corporate structure that acts as an investment and lending
company. This corporation is designed specifically for mortgage lending and is recognized in Canada’s
Income Tax Act. The Act allows the MIC itself to be exempt from income tax as long as it passes along
all its income to the investors. This vehicle enables small investors to pool funds and invest in mortgages
for various properties. By owning shares
in a MIC you are investing in a company that manages a
diversified and secured pool of mortgages. The pool of
mortgages is continuously managed, with newly
invested share capital, and the proceeds of repaid and discharged mortgages, being utilized to fund new
mortgages. Profits generated by MICs are distributed to its shareholders
according to their proportional
interest.

Real Estate Investment Trust (REIT)

A REIT trust company that accumulates a pool of money, through an initial public offering (IPO), which
is then used to buy, develop, manage and sell assets in real estate. The IPO is identical to any other security
offering with many of the same rules regarding prospectuses, reporting requirements and regulations;
however, instead of purchasing stock in a single company, the owner of one REIT unit is buying a portion
of a managed pool of real estate. This pool of real estate then generates income through renting, leasing and
selling of property and distributes it directly to the REIT holder on a regular basis.

Guaranteed Investment Certificate (GIC)

With a guaranteed investment contract, an insurance company accepts a particular amount of money and agrees to return the money, along with interest, at an agreed-upon date in the future, typically ranging between one and 15 years. The interest can be paid at regular intervals or held to the contract’s maturity. Bullet GIC’s are typically designed to accept a single deposing (usually $1000,000 or greater) for a particular time period (generally between three and seven years). Bullet GIC’s are often used in defined benefit plans because they are compatible with timing of plan contributions.