What is a private lender?
A private lender provides mortgage funding to a single borrower who is unable to obtain financing through more traditional lenders, like the banks and credit unions due to a variety of circumstances. These mortgages are usually offered at a higher interest rate along with some related fees, making them an attractive investment opportunity – and one that also offers the added security of collateralized real estate.
Investors in our mortgage investment program can be an individual or a small syndication of individuals who pool their money to fund a single mortgage transaction. Through CMI, Canadian investors can gain access to Canada’s historically strong real estate market without the hassle of direct home ownership.
Diversify your fixed income investments with mortgages
CMI Mortgage Investments helps both new and experienced investors find the right mortgage investment that meets their unique investment objectives and can deliver attractive returns. As one of the fastest-growing alternative lenders in Canada, we’ve helped thousands of investors find mortgage investments that best suit their unique needs.
A curated selection of high-quality investment opportunities
We identify and present carefully vetted mortgage investment opportunities tailored to your investment goals and risk tolerance. Through our proprietary Mortgage Matching Process , you receive only the opportunities that align with your profile ensuring relevance, quality, and efficiency. You can simply review each opportunity and decide whether it’s right for you, without needing to monitor listings or compete with other investors.
Rigorous due diligence and asset management process
Each and every mortgage application that we present to you has been carefully scrutinized and thoroughly reviewed as part of our stringent underwriting process. Risk and fraud management are essential cornerstones of our funding formula. We partner with leading law firms across the country to produce the legal documentation for a faster and more efficient closing process. After closing, all our mortgages are serviced and administered by CMI Mortgage Services, a Mortgage Administrator licensed under the Financial Services Regulatory Authority of Ontario (FSRAO), enabling us to offer a full-service solution in-house to all our investors.
Why invest with CMI?
We streamline the mortgage investing experience by presenting only high-quality opportunities that align with your income goals. Each investment opportunity we present offers compelling returns and a stronger alternative to traditional short-term cash or bond holdings.
Effortless Access to High-Performance Mortgage Investments
We’ve made mortgage investing simple. CMI’s streamlined eight-step process ensures a smooth, transparent experience, so you can focus on results, not complexity.
- 1Request a consultation with one of our experienced Investment Managers.
- 2Set up an account and create your investor profile (Know Your Client – KYC Form).
- 3Wait for us to contact you with a mortgage investment opportunity personalized to your needs. You’ll have 4-6 hours to review/accept the opportunity before it’s then shared with other potential investors.
- 4When you see an investment that you’re interested in, sign the documentation to accept it.
- 5Fund your investment.
- 6Once the deal closes and the legal process is complete, you will receive a reporting package.
- 7Benefit from a steady stream of interest payments.
- 860 days prior to maturity, our renewal team will review the mortgage to determine whether or not to renew it (for the majority of our mortgage investments, we recommend a renewal).
If you’ve ever thought about investing in a private mortgage, now’s the time to find out more. Contact one of our experienced Investment Managers today.
Contact UsThe CMI Difference
At CMI, we’re committed to excellence and to building lasting relationships with our investors. Many have partnered with us for years, consistently benefiting from the strength and stability of mortgage investing. Our focus is simple: deliver opportunities that align with your risk profile and objectives while enhancing your portfolio with attractive, risk-managed yields.
Experience the advantages of partnering with one of Canada’s fastest-growing mortgage investment firms.
Save time and minimize the hassle.
Our team manages everything on your behalf, from sourcing and underwriting to delivering opportunities curated specifically for your profile. You simply review each investment package and choose the opportunities that align with your strategy and risk preferences.
Rigorous due diligence process.
Each investment opportunity we create is carefully scrutinized, undergoing a thorough review and underwriting process to safeguard your investments. Property valuations are provided by a select group of highly-qualified professional appraisers, who ensure the values they provide are accurate, conservative and unbiased.
Professionally managed.
Our experienced in-house mortgage servicing team oversees every aspect of managing your mortgage asset. They continuously monitor the investment to ensure it remains in good standing, taking the burden and complexity of managing it off your shoulders.
Exceptional service.
Your dedicated Investment Manager will proactively source mortgage opportunities that align with your investment profile and share them with you as soon as they become available. Once you choose to proceed, they’ll guide you through every step and remain available to answer any questions.
Consistent monthly income.
Enjoy the steady cash flow generated from the borrower’s monthly payments, providing predictable income and a smoother investment experience.
High volume. Exceptional deal flow
Our national scale and deep lending footprint give us access to a steady stream of high-quality mortgage investment opportunities across Canada. With diversity in risk, return, location, amount, and term, we’re able to offer investors one of the broadest and most consistently robust pipelines of mortgage opportunities in the market.
Contact Us
Contact us for more information or to book an appointment with one of our Investment Professionals.