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Why Invest with CMI?

With nearly $3 billion in successful mortgage placements, CMI is one of Canada’s fastest-growing non-bank financial services providers, trusted by investors seeking alternative, asset-backed wealth strategies. Our industry-leading whole-mortgage investment program offers direct access to Canada’s residential mortgage market, delivering high-quality opportunities, disciplined underwriting, and a proven track record of consistent returns.

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                  CMI – Canada’s preferred partner for quality mortgage investments

                  CMI Mortgage Investments is an award-winning leader in private mortgage investing, offering short-term, real-estate-secured opportunities in both first and second position.

                  Our investment philosophy centres on capital preservation first, while delivering competitive, reliable yields. Through a disciplined underwriting process, rigorous due diligence, and expert portfolio oversight, we provide an attractive alternative to traditional fixed-income products.

                  Backed by deep industry expertise, nationwide deal flow, and a highly experienced management team, CMI provides investors with access to high-quality mortgage opportunities across Canada. With over $1 billion in mortgages under administration and nearly $3 billion funded to date, CMI is one of the country’s fastest-growing alternative lenders and a trusted partner to investors seeking performance and transparency.

                  A strategic approach to mortgage investing

                  Our investment approach is based on four key pillars

                  1

                  Security-backed investments and capital preservation

                  • We focus on lower risk, residential mortgages in historically stable and strong real estate markets across Canada.
                  • Our management team has over 100 years of combined experience in the mortgage industry with a thorough understanding of the risks, processes and regulations related to mortgage lending.
                  • A comprehensive due diligence process utilizes our highly experienced and knowledgeable underwriting team, which has resulted in a loan loss rate of less than 1% since inception.
                  • We offer lower loan-to-value ratios for added security and reduced risk.
                  2

                  Rigorous due diligence process

                  • We offer investors a full-service investment solution. We not only source, analyze and underwrite our mortgages but also actively manage them and the real estate assets for the duration of the investment.
                  • After closing, our mortgages are serviced and administered by our in-house team at CMI Mortgage Services, a Mortgage Administrator licensed under the Financial Services Regulatory Authority of Ontario (FSRAO).
                  • We incorporate strict appraisal criteria to help ensure that we are funding only high-quality mortgages and that the valuations for these properties are reasonable, accurate and conservative, thus minimizing the risk and volatility for investors.
                  3

                  Strong, consistent returns

                  • We focus on real estate markets that have sound economic fundamentals.
                  • Since 2005, we’ve originated nearly $3 billion in mortgages, which provide predictable returns ranging from 7–16% and a steady monthly cash flow.
                  • Our mortgage investments provide both new and knowledgeable investors with the opportunity to participate in the real estate market and achieve attractive investment returns while minimizing risk
                  4

                  Flexibility and selection

                  • We offer a broad and diverse range of mortgage investment opportunities that vary across geography, amount, duration, borrower type, rate of return and more.
                  • Investors receive a curated selection of investment opportunities designed to fit their unique investor profile. You choose how much you wish to invest and where.
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                  Contact us for more information or to book an appointment with one of our Investment Professionals.

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