Mortgage Investment
Our Mortgage Income Funds are designed to provide a stable monthly income, with minimal volatility.
Our investment mandate:
- Capital preservation
- Consistent monthly income
- Avoid the volatility of equity markets
- Capital preservation
- Consistent monthly income
- Avoid the volatility of equity markets
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.
Get started from $25,000
Morrison Financial Investment Management
Assets Under Management
What is a Mortgage Income Fund?
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:
- Capital preservation
- Consistent monthly income
- 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
Speak with us
We’re human, and we love to chat. Reach out to our investment team today to receive more information.
Get more information
We will send you more details on the Funds, their history, and are happy to arrange a second…or third, or fourth, or… chat if you’d like.
Some paperwork
There will be some paperwork to complete along the way, and we can help you take care of it if you have questions.
Confirmation
If your paperwork and cheque has been received and are in good order, your trade will be processed and you will receive a trade confirmation.
All Done!
As you’re now an investor in the fund, you will be entitled, each month. To your percentage of the interest we collect from our various mortgage investments.
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%
01
2. Earn
After the first year, you earn investment return of $12,000 to $18,000
02
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
03
Eligibility Requirements
General requirements
- Investors must be the age of majority and have a Canadian bank account
- Investors must be a Canadian Resident
Accredited Investors
- Over $1m in Net Financial Assets
- Or, Earn over $200k Annually
- No limit on maximum amount invested
Eligible Investors
- Earn over $75k Annually
- Maximum amount to invest in a single calendar year $100k
Non-Eligible Investors
- Does not meet the Eligible or Accredited status
- Maximum amount to invest in a single calendar year $10k
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
6.32%
5 years
6.26%
10 years
6.93%
What types of mortgages do the funds invest in?
- 01
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:
- Asset class and type
- Geography and liquidity of the asset
- Financing type - purchase, construction, land, etc.
- 02
Geography
Our Mortgage Income Funds lend to projects/ properties within townships or cities which demonstrate:
- A reasonable population of the city or township
- Demonstrated resale market for the product
- 03
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.
- 04
Diversification
We carefully monitor the composition of our investment funds to ensure that you are investing in a diversified mortgage portfolio:
- No loan represents greater than 5% of a fund
- No individual or entity can represent greater than 15% of fund
Reach out to our team to further discuss our diversification and investment policies for the Mortgage Income Funds.
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.
