CMI is one of the fastest-growing non-bank financial services providers in Canada and is dedicated to helping investors achieve competitive returns for their investment portfolio. We offer a wide variety of high yield mortgage investment options specifically geared to the needs of high net-worth investors. Since inception, we‘ve placed nearly $3 billion in mortgages with a default rate of less than 1% for our entire mortgage portfolio, so you can rest assured that we have the experience and expertise needed to create high quality mortgage investment products.
Our Story
Founded in 2005 by Bryan Jaskolka, CMI began as a small family brokerage with a big vision: to make mortgage lending more transparent, ethical, and accessible for Canadians.
In the wake of the 2008 financial crisis, CMI shifted its focus to private lending, addressing the growing demand for flexible, high-quality financing solutions outside the traditional banking system. Since then, CMI has been bridging the gap between borrowers overlooked by banks and investors seeking diversified, real-asset-backed returns.
Two decades later, CMI has grown into one of Canada’s leading private-mortgage marketplaces, uniting lending, servicing, and investment management under one trusted platform.
Driven by innovation and guided by integrity, we continue to redefine what private lending can be: transparent, responsible, and built on trust.
Twenty years in, we’re just getting started.
The CMI Difference
CMI Mortgage Investments offers investors fully personalized and customized mortgage investment solutions using our unique mortgage matching process. Instead of presenting you with a long list of mortgage investments or utilizing a bidding process, our expert team of Investment Managers will send you a curated selection of customized mortgage investment options that match your specific risk tolerance and investment objectives.
A high-touch investment experience
Our portfolio management team actively manages each and every mortgage asset for our investors, with the prime objective of maximizing yields while minimizing risk. Our team of industry-leading underwriters, investment managers, fulfilment staff and lawyers work collectively to deliver a seamless experience to our investors.
Stability and flexibility
Alternative assets like mortgage investments aren’t correlated with publicly-traded markets, and thus provide a diversification solution from their inherent volatility. Our investments, all of which are backed by collateralized real estate, help you diversify your portfolio and deliver more predictable returns. Our mortgages are carefully assessed to balance the benefits of higher yields with prudent risk mitigation.
A rigorous due diligence process
Our rigorous approach to qualifying mortgage investments is led by our experienced underwriters, who focus on selecting only those mortgages that meet our rigorous quality and risk mitigation standards. This includes selecting mortgage investments from historically consistent residential markets and ensuring all borrowers undergo a thorough vetting process. This helps our investors maximize their yield potential while also carefully managing their risk exposure. You can count on us to thoroughly analyze each market and its underlying fundamentals before we present any investment opportunity to you.
Transparency and trust
We ensure transparency by providing you with detailed information on the borrower and the financial terms of your mortgage investment, as well as its performance over time. Our in-depth market research will give you key insights into where your investment stands in the current lending environment.
Additional Investment Options at CMI
CMI MIC Funds
The CMI MIC Funds are a suite of diversified, professionally-managed investment portfolios comprised of high-quality residential mortgages. Each MIC fund is geared to specific risk profiles and investment objectives.
Each of our three distinct MIC funds are targeted to specific loan-to-value (LTV) ratios and annual yields.
CMI MIC Prime Mortgage Fund
A consistent, income-focused fund designed for investors seeking lower volatility and dependable monthly returns.
CMI MIC Balanced Mortgage Fund
A diversified portfolio offering a balanced blend of income and growth for investors seeking strong, risk-adjusted returns.
CMI MIC High Yield Opportunity Fund
A higher-return strategy tailored for investors pursuing enhanced yield through carefully managed, higher-risk mortgage opportunities.
All our MIC funds have delivered consistent results within these parameters since their inception.
Plan for your financial future today. Contact us for more information on our various mortgage investment products.
Learn More About Our Three MIC Funds
Our Team
Teresa Johnston
Vice President, Investor Relations
Teresa has more than 30 years of experience in the financial industry.
She has worked with some of Canada’s largest banks, including ING Direct where she helped launch the mortgage brokering division. She was one of the first women to start her own mortgage brokerage in the early 1990s. At CMI, Teresa has facilitated over $200 million in private mortgage placements nationwide and is a significant contributor to our rapid growth and success. In 2019, Teresa was named one of Canadian Mortgage Professional’s Top 10 Women of Influence.
View my profile on LinkedInChris Baker
Vice President, Investment Sales
Chris is a multi-faceted professional with over 20 years of experience in the financial services industry, specializing in insurance, investments, and mortgages.
Prior to joining CMI, Chris founded a successful startup in the mortgage education and marketing space, which grew to be recognized as the industry’s premiere learning and development streaming service. He has also held leadership roles at Street Capital Bank of Canada and Freedom 55 Financial, where he spearheaded sales, marketing, and recruitment efforts. Chris is known for his collaborative approach to building sales teams and his commitment to excellence in all endeavors. He is educated in radio and television broadcasting and is a certified professional speaker, having spoken at mortgage and insurance industry events across North America. Outside of work, he enjoys coaching competitive baseball, and holds certifications as a coach developer with Baseball Canada and Baseball Ontario.
View my profile on LinkedInNatalie Krawec
Investment Account Manager
With more than 17 years in the financial industry, Natalie is a true trailblazer and a key contributor to CMI’s growth.
With experience working in fast-paced environments, she thrives in a role that allows her to challenge herself while providing straightforward, honest service that makes a difference. Natalie is passionate about building and maintaining strong relationships and brings a wealth of knowledge to every interaction.
View my profile on LinkedInDean Brown
Investment Manager
With over 25 years of experience in financial services, Dean brings a wealth of expertise in investment analysis, risk management, and strategic financial planning.
Dean’s extensive knowledge spans the mortgage spectrum, from traditional to private lending. He is passionate about leveraging his expertise to provide compelling, curated mortgage investment opportunities to high-net-worth investors. With a proven track record of delivering results and fostering enduring relationships based on trust and integrity, Dean remains steadfast in his commitment to guiding clients toward financial success within the ever-evolving mortgage landscape.
View my profile on LinkedInCarolynne Balfour
Investment Relationship Manager
Carolynne is an accomplished professional with more than 25 years of experience in the financial services industry. Her career began in banking with roles spanning customer service, financial management and mortgage lending, with expertise encompassing both traditional and alternative mortgages.
For the past 15 years, Carolynne has specialized exclusively in mortgages, with a particular focus on private mortgages. As a versatile real estate and lending expert, she excels in deal structuring and risk assessment, catering to both new and experienced investors in this niche space. Carolynne is also a seasoned and successful private real estate investor. Outside of her professional pursuits, Carolynne is an elite fitness competitor, pushing her physical limits and inspiring others to do the same.
View my profile on LinkedIn
Contact Us
Contact us for more information or to book an appointment with one of our Investment Professionals.