We have been investing alongside our clients for over 30 years

Our Mortgage Income Funds are designed to provide a stable monthly income, with minimal volatility.

Our investment mandate:

Invest in Our Senior and Junior Mortgage Income Funds

Both funds follow the same investment strategies and guidelines, the main difference being that the Junior Fund takes on slightly higher risk and is designed to generate slightly higher return.

Senior fund

Target annualized return of

Junior fund

Target annualized return of

Get started from $25,000

Morrison Financial Investment Management

In addition to managing the Mortgage Income Funds, Morrison Financial allows for various other forms of investment.
$ 200 Million

Assets Under Management

6 %
Average Investor Return
50 %
Loan-to-Value of Investments

What is a Mortgage Income Fund?

With Morrison Financial you are investing directly into tangible assets (mortgage secured real estate) to achieve an attractive risk adjusted return. These investments are not generally available to retail investors.

A Mortgage Income Fund is an investment vehicle that uses a pool of capital to issue private mortgages and pays interest to the investor as monthly income.

These mortgages are secured by something tangible and understandable: residential and commercial real estate.

Our three investment objectives:

  1. Capital preservation
  2. Consistent monthly income
  3. Avoid volatility of equity markets.

Watch our short explainer video and learn more in less than 90 seconds.

Benefits of Investing in a Mortgage Income Fund

Consistent returns

Returns from private mortgages have remained far more consistent than many other types of investments

Secured debt

In the unlikely event a borrower fails to repay a loan, we can take control of the property and sell it to satisfy the debt

Alternative asset class

Help smooth out the ups and downs of your portfolio with an alternative to public market stocks and bonds

Simple & understandable

The investment industry is constantly changing: there's always a "new, shiny object”. Charging interest on mortgages is a tried-and-tested strategy. For over 30 years we have been doing the same thing, and it works.

Our process

What investing with us could look like

1. Invest

Over 12 months if you invest $200,000 with us in the senior mortgage fund at a targeted annual return of 6.00% to 9.00%


2. Earn

After the first year, you earn investment return of $12,000 to $18,000


3. Re-invest

This means that every month, you will receive a payment of approximately $1,000 to $1,500 or this can be re-invested


Eligibility Requirements

Please review eligibility requirements to invest in our Mortgage Income Funds and understand what sort of an investor you are: accredited, eligible, or non-eligible.

General requirements

Accredited Investors

Eligible Investors

Non-Eligible Investors

Returns comparison

Morrison Financial’s performance, as represented through Morrison Laurier Mortgage Corporation, highlights consistency, capital preservation, and low correlation to the public markets.

What your $100,000 investment would have looked like

Comparison between Morrison Financial and key market

Annualized returns

3 years


5 years


10 years


What types of mortgages do the funds invest in?

Review some of our key criteria for selecting investments below. If you would like to discuss our investment policies in more detail please reach out to us.

Loan to Value

At Morrison Financial one of the key metrics that we use to evaluate an opportunity is loan-to-value and our acceptable thresholds vary based upon:


Our Mortgage Income Funds lend to projects/ properties within townships or cities which demonstrate:

Each opportunity is reviewed on a case-by-case basis, and independent third-party analysis is conducted on valuations by location.

Exit Strategy

The Borrower must provide a valid exit strategy for the project as reviewed by the Morrison Financial investment committee. Additional considerations such as pre-sale requirements, collateral security, and covenants may be required by the lender to support the exit strategy.


We carefully monitor the composition of our investment funds to ensure that you are investing in a diversified mortgage portfolio:

Reach out to our team to further discuss our diversification and investment policies for the Mortgage Income Funds.

Words from our clients

Since 1987, our team has formed lasting partnerships with hundreds of investors.


Morrison Financial provides communication that is clear, consistent, and often…

Morrison Financial has been available to answer questions and provide support to investors. 

Morrison Financial is professional and ethical. I feel I could trust Morrison Financial. 

Commercial Financing

“Morrison Financial has been CLT Logistics primary financial partner for over 17 years, and has supported us through numerous growth spurts. CLT has today established itself as one of the premier product logistics and manufacturing companies in Canada, in the Health, Beauty and Household categories, shipping to over 10,000 retailers globally. We could not have made this successful journey without the help and support of Morrison Financial, who we continue to count as a partner beyond that as a source of financing.”

Condo Term Loans

“The most important [financial] development in the condominium industry in years.”

Mortgage Lending

“Morrison Financial consistently provides dependable and highly professional lending services to the development community. Having worked with Morrison Financial for many years, the Morrison team has continuously exceeded our expectations in terms of delivering creative and comprehensive financial solutions, personalized service and timely administrative oversight. This has helped our company, and our clients, in being able to successfully fund our Projects and meet critical timelines. Morrison Financial are reliable business partners who understand the importance of creating relationships while performing a valuable financial service.”

Condo Term Loans

“A true win-win situation for both the condominium corporation and the contractor. We found the people at Morrison Financial to be completely professional and responsive.”

Commercial Financing

“Morrison Financial helped the senior management team of Thinkpath Engineering Services (TES) complete a management buyout in 2011, and since then has provided us with flexible asset based term lending. We have enjoyed not only having Morrison Financial as a lender and equity partner, but also as an important business partner whose expertise we can rely on as we continue to grow. They understand our business and financing needs and have provided a lending structure and pricing that supports our operating and growth objectives. They have made important contributions to key financial decisions and opportunities. With nearly four decades of experience, TES continues to be a global leader in engineering and design services, and we are fortunate to have Morrison Financial as a financial partner.”


Investor FAQS

Want to learn more about how our Mortgage Income Funds operate? Click through to our FAQs section review commonly asked question or reach out to a representative to discuss.