Enhance your client offerings with our MIC solutions—designed for predictable income, downside protection, and enhanced yield potential. Our Mortgage Investment Corporation (MIC) solutions provide a compelling alternative to traditional fixed-income investments, offering clients the opportunity to diversify their portfolios while achieving steady returns. By incorporating our MIC solutions into your advisory strategy, you can deliver consistent cash flow, mitigate risk, and offer enhanced yield potential—all backed by a team of experienced professionals dedicated to supporting you and your clients. Empower your practice with proven investment options that help clients meet their financial goals while strengthening your position as a trusted advisor.
Advisor-Focused Solutions
Fuel Portfolio Growth with Alternatives
High Yield Opportunity Fund
View Fact SheetBalanced Mortgage Fund
View Fact SheetPrime Mortgage
Fund
View Fact Sheet
Invests in
Average Loan-to-Value (LTV) cap
Investor Risk Profile
Target Annual Return
Dividends Paid
Registered Plan Eligible
Fund Codes
Series A
Series F
311
312
301
302
321
322
Management Fee
*Class F Targets
CMI MIC Prime Mortgage Fund
The CMI MIC Prime Mortgage Fund is designed to generate a net annual return of 6 – 8%. This fund invests primarily in first mortgages and is the most conservative of our three MIC Funds. All investments are strictly in residential mortgages.
Learn more about CMI MIC Prime Mortgage Fund and read our Fund Fact Sheet and Monthly Reports.
Key Facts
- Inception July 2020
- Redemptions Monthly
- Registered Plan Eligible Yes
- AUM $3.70 Million
- Management Fee 1%
- Fundserv codes Class A: CCI 321 Class F: CCI 322
CMI MIC Balanced Mortgage Fund
The CMI MIC Balanced Mortgage Fund provides a passive investment opportunity with a diversified pool of first and second mortgages targeting an 8 – 9% annual return.
This MIC focuses on selecting high-yield, short-term mortgages that do not exceed 75% LTV.
Learn more about CMI MIC Balanced Mortgage Fund and read our Fund Fact Sheet and Monthly Reports.
Key Facts
- Inception July 2015
- Redemptions Monthly
- Registered Plan Eligible Yes
- AUM $122 Million
- Management Fee 1%
- Fundserv codes Class A: CCI 301 Class F: CCI 302
CMI MIC High Yield Opportunity Fund
The CMI MIC High Yield Opportunity Fund invests primarily in higher-yield, short-term second mortgages that do not exceed 85% LTV. It targets a net annual return of 10 – 11%.
The Fund mitigates risk by investing in a diversified pool of real estate properties that are 100% secured by collateralized real estate.
Learn more about the CMI MIC High Yield Opportunity Fund and read our Fund Fact Sheet and Monthly Reports.
Key Facts
- Inception October 2019
- Redemptions Monthly
- Registered Plan Eligible Yes
- AUM $40.48 Million
- Management Fee 1%
- Fundserv codes Class A: CCI 311 Class F: CCI 312
Advisor Benefits
- Simplicity & Transparency:
Our MIC funds are structured to offer clear, predictable risk-adjusted returns, making it easier for you to integrate them into your clients’ portfolios.
- Enhanced Reporting & Collaboration:
Benefit from streamlined reporting and dedicated support from our Wealth Advisor Services Team, ensuring you have the insights and resources needed to guide your clients confidently. - Efficient Access:
With a minimum investment of $5,000 and eligibility across registered accounts (RRSP, RRIF, RESP, LIRA, LIF, TFSA, RDSP), our MIC funds offer accessible, institutional-grade solutions that align with your advisory objectives.
Why Partner With Us
- Diversified Portfolio Solutions:
Unlike individual whole mortgage investments, our MIC funds pool capital to invest in a diversified portfolio of high-quality residential mortgages. This built-in diversification lowers risk and enhances return potential. - Attractive, Predictable Returns:
With net annual returns historically ranging from 6–11%, our MICs—including the Prime, Balanced, and High Yield Opportunity Funds—are designed to generate consistent, dividend-paying income, helping to safeguard your clients’ capital. - Proven Risk Management:
Our experienced team of mortgage and investment professionals employs stringent due diligence and active asset management, maintaining a loan loss rate of less than 1% since inception.
