Platform Overview

CMI Mortgage Investments delivers direct access to individually underwritten Canadian residential mortgages—first- and second-lien loans curated to each investor’s return objectives, risk tolerance, and liquidity needs. Unlike pooled vehicles, you select (or pre-approve parameters for) every mortgage that enters your portfolio, while CMI’s integrated platform manages sourcing, funding, servicing, and reporting end-to-end.

CMI Financial Group is one of Canada’s largest private mortgage firms, specializing in the residential market, with in-house expertise across the full lending lifecycle — from origination and underwriting to funding and servicing.

We offer two complementary investment platforms to meet the needs of institutional investors, family offices, and high-net-worth individuals seeking stable, income-generating alternatives: CMI MIC Funds, pooled mortgage funds for efficient market exposure, and CMI Mortgage Investments, tailored whole-loan portfolios aligned to specific investor and institutional mandates. Our fully integrated platform ensures consistent execution, scalable deployment, and disciplined, risk-managed performance.

How it Works

Mandate Design – Define target yield, lien priority, loan-to-value limits, geography, term, and borrower profile.
Curated Deal Flow – Our investment desk screens thousands of loans per month and presents only those that match your mandate.
Rigorous Due Diligence – Institutional underwriting overlays, third-party appraisals, and stress-tested cash-flows keep capital preservation first.
Seamless Execution & Servicing – CMI funds the loan, registers security, and provides full lifecycle servicing and collections.
Transparent Reporting – Loan-level dashboards, performance analytics, and audited statements integrate directly with your back-office systems.

The CMI Difference

For over a decade, CMI has built a proven track record of performance, transparency, and investor trust, grounded in over 20 years of experience in Canada’s private lending market. With over $1 billion in assets under management and more than $3 billion in funded mortgages, we’ve earned our reputation as a national leader in the Canadian private mortgage market.

Capital Preservation and Consistent Long-Term Yield Generation

We generate long-term value by actively managing and optimizing our mortgage portfolios, ensuring consistent performance and attractive risk-adjusted returns for our investors.

Disciplined Underwriting and Comprehensive Risk Management

We follow a rigorous underwriting process designed to protect investor capital and minimize downside risk. Our in-house mortgage administration platform, powered by proprietary technology, ensures stringent oversight and continuous quality control throughout the mortgage lifecycle. Our proactive approach to risk management includes regular portfolio stress testing to support the stability and long-term performance of our portfolios.

Strategic Diversification and Adaptive Lending

We employ a top-down approach, strategically diversifying mortgage investments across urban, suburban, and select rural markets nationwide – including areas underserved by other lenders – to enhance returns and mitigate risk.

Our dynamic lending model adapts to changing market conditions, ensuring that underwriting criteria remain aligned with current trends and risks. This risk-adjusted approach enables prudent, forward-looking lending decisions. With an active national presence, CMI is equipped to detect and respond to local market dynamics in real time.

In addition to geographic diversification, our portfolios are also diversified by mortgage type, loan-to-value (LTV), property type, security position, and borrower profile — providing layered risk protection and return potential.

Investment Platforms

Our institutional platform offers both turnkey and customized residential mortgage portfolios, consisting of first and second mortgages across prime urban, suburban, and select rural markets across Canada.

Turnkey

CMI MIC Funds are a suite of strategically diversified, professionally managed residential mortgage investment portfolios, each tailored to specific risk/return profiles. The Funds aim to deliver attractive, consistent long-term yields while preserving capital.

CMI MIC Prime Mortgage Fund

With a conservative approach to risk and return, this Fund focuses on short-term (6-24 months), primarily first position residential mortgages with an average maximum loan-to-value (LTV) of 65%. The Fund targets a 6 – 8% annual return net of expenses.

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CMI MIC Balanced Mortgage Fund

With a balanced approach to risk and return, this Fund focuses on short-term (6-24 months), first and second position mortgages with an average maximum loan-to-value (LTV) of 75%. The Fund targets a 8 – 9% annual return net of expenses.

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CMI MIC High Yield Opportunity Fund

With an aggressive approach to risk and return, this Fund focuses on short-term (6-24 months), primarily second position mortgages with an average maximum loan-to-value (LTV) of 85%. The Fund targets a 10 – 11% annual return net of expenses.

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Customized

CMI Mortgage Investments

CMI Mortgage Investments offers institutional and accredited investors tailored access to high-quality residential mortgage assets. Unlike pooled vehicles, this program provides direct access to individual mortgage investments — enabling greater control over portfolio construction and risk management.

Investors benefit from transparency and oversight across key exposures, including geography, loan-to-value (LTV) ratios, property and mortgage type, security position, borrower profile, and term. Each portfolio is curated to align with the investor’s specific mandate, risk tolerance, and return objectives.

CMI’s fully integrated platform manages the full lending lifecycle — from sourcing and underwriting through to funding, servicing, and ongoing performance monitoring — ensuring disciplined execution and alignment with institutional standards.