Who we are

M12 Mortgages Ltd, provides alternatives mortgages for brokers and a fixed-income source for our investors. Our mission is simple: Offer our clients an opportunity to invest in profitable and highly marketable residential, commercial and Agricultural mortgage portfolio, while providing brokers with mortgage solutions. We focus on highly marketable properties in urban and suburban Ontario markets with first and second mrotgages.

Consistent Returns

Our Mortgages under administration create a stable return for our investors. We have a proven track record of managing a low-risk profile that sustains these returns on your investments.

Due Diligence

We administer a pool of carefully selected, highly marketable properties. By sticking to a philosophy over time, and understanding the borrower and the market we have created a strong and stable return for our clients.

Trusted Advisors

We rely on our advisors with extensive legal and real estate knowledge and expertise. Their advice on all the investments we manage guides us to ensure the most secure portfolio for our clents.


skin in the game

M12 Mortgages started as an opportunity to fund mortgages for our partner brokerage by our principals. Soon family joined us followed by friends once we launched our administrator. As opportunities continue to open, we are building relationships with new investors.

Mortgage OPPORTUNITIES TODAY

  • Guaranteed option returns are at historic lows.
  • Private mortgage funding is not new, and has been around since the 1970’s.
  • Market inefficiencies have created attractive returns.
  • Stick to a philosophy over time.
  • Experienced portfolio manager.

why work with us?

Proven Track Record

We have been managing a portfolio of Mortgages since 2010 with no losses to date, and a consistent return to our investors.



Unequaled Expertise

Our team has over 30 years of combined experience in mortgage underwriting, risk management and mortgage investments.



Specialized Solutions

We handle the entire process from end to end, including enforcement if required with our private bailiff and security team. You can simply enjoy the return and not have to worry about the day to day operation of your investments.

Superior Security

The diversification of our portfolio provides stability through an extremely low-default rate, offering investors a secure investment with an attractive rate of return.

what our customers are saying

Resources


Tom Kennedy Vice President Fund Sales

Vice President Investor Relations & Fund Sales

Alternative to GICs and Government Bonds

Are you looking for a passive investment opportunity, but are unsatisfied with traditional fixed-income securities like government bonds and GICs?