How to improve returns in a low interest rate environment

Options for Todays investor

Investors seeking alternatives to traditional equity and fixed-income products have increasingly been putting their money in Mortgage investments. M12 Mortgages Ltd. Administers portfolios of low-risk first and second mortgages in Ontario. We lend on residential, mixed use commercial and farm property located in urban and suburban areas in highly desirable municipalities.

Our investments provide:

• Access to residential mortgage markets not typically available to individuals.
• Less volatility than equities and more security than bonds.
• Higher yields than traditional investment products, such as bonds and GICs.
• Stable, reliable monthly income.

Our real estate investments are comprised exclusively of properties that are highly marketable. We strictly deal with licensed mortgage brokers and licensed agents in Ontario.

Investment Philosophies

Tighter bank regulations have created a niche market for private mortgage lending. M12 Mortgages Ltd. Lends upto 80% of appraised value, on highly marketable properties. Typical yields are from 6-8% on first mortgages and 8-10% on second mortgages. The investment returns on private mortgages greatly exceed anything produced by other investments such as stocks, bonds, and GICs.

How to Invest

Individual Investors and Corporations can invest by contact us directly and setting up an account. You can hold Cash from an individual, or corporation, or ANY registered investment such as a RSP / TFSA / RRIF / RESP.

The minimum portfolio size is $250,000.00 for investing in second mortgages and $2,000,000.00 for first mortgage investments.