Build Your Client's Portfolio With Equity Capital MIC

Equity Capital MIC works with wealth managers and financial advisers to add a fixed income to the clients portfolio that are secured against real estate in Canada. Our investments achieve higher returns than other investment vehicles while adding stability and less volatility. Your clients can utilize their RRSP funds to invest in Equity Capital MIC. The income earned by the clients RRSP investments are tax-free. As a result, the tax-free interest earned from Equity Capital MIC held in their RRSP can compound tax-free and your clients will not have to worry about paying taxes on their profits until they withdraw them from their RRSP.
Equity Capital MIC Financial Advisers

Secured Investments

All investments are fully secured against real estate, with properties that will be appraised by CRA or AACI certified appraisers and reviewed by our highly experienced underwriting team. Borrowers situations are analyzed and exit strategies are crafted.

MIC Model

All investors will receive shares per amount invested in Equity Capital Mortgage Investment Corporation. Our policy is to be completely transparent to our investors by providing annual audited Financial Statements at the end of each fiscal year, as well as a customer service experience that is unparalleled in the industry.

Equity Capital Dividend Distribution

Equity Capital MIC pays 100% annual earnings before taxes to its Shareholders in form of a dividend under the Canadian Income Tax Act – section 130.1 The MIC undergoes an annual audit conducted by an chartered accounting firm that requires all shareholders to receive a copy of the annual audited financial statements. Investors are privy to ask the accounting firm any questions they have relating to the audit for clarification. This is in addition to the monthly statements provided to all shareholders of Equity Capital MIC.
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Investment Operations and Policies

  • First Mortgages maximum of 75% loan-to-value and below
  • Second Mortgage maximum of 75% loan-to-value and below
  • No Shareholder can own more than 25% of the MIC’s shares
  • Estimated target rate of returns of 8-9%
  • Managers have equity positions in the MIC’s fund
  • Performance bonuses earned by the managers are reinvested back into the MIC
  • Rigorous underwriting process by industry leading underwriting team
  • Selected appraisers are used for every mortgage and comparable’s conducted by our in-house real estate brokerage
  • 100% of the MIC’s portfolio will be placed in residential mortgages

Our Investment Strategy

Equity Capital MIC has an extensive network of mortgage agents and brokers within the industry and is considered as a go-to lender when seeking private mortgage financing. By combining several high-quality mortgages into a diversified pool, we can mitigate the risks associated with investing in a single mortgage.

As a lending company servicing mortgage financing Canada wide, we cater to clients that are typically self-employed individuals, borrowers with poor or limited credit history or new immigrants to Canada. Our investment objective is to identify relatively low-risk, first and second residential mortgages across Canada, with a maximum loan-to-value exposure of no more than 75%.

The investment returns generated by Equity Capital MIC have substantially exceeded those produced by other investment vehicles such as stocks, bonds, and GICs. Our investors can gain the benefit of compounding their return by choosing to take advantage of our automatic dividend reinvestment plan (DRIP). Alternatively, investors can receive their monthly dividends by direct deposit to a specified account.

What is a Dividend Reinvestment Program (DRIP)

The Plan provides eligible Shareholders a convenient means to purchase additional Common Shares by reinvesting their cash dividends. Common Shares acquired under the Plan will be automatically enrolled in the Plan. Shareholders who do not enroll their Common Shares in the Plan will continue to receive dividends in the usual manner. Shareholders may elect to enroll a 100% of their Common Shares for dividend reinvestment under the Plan.

The Plan offers Shareholders a cost-effective means to purchase additional Common Shares through the reinvestment of dividends on a regular basis and in a convenient manner. Participants in the Plan will dollar cost-average their Common Share purchases by reinvesting dividends under the Plan on a regular monthly basis. No administration fees are charged to participants by the Corporation or the Plan Agent for their participation in the Plan. The Corporation will pay for any brokerage commissions on purchases of Common Shares under the Plan.

Talk to experienced investment experts at Equity Capital MIC.

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