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Real estate based investments

Investing

Understanding Mortgage Investments

Grasping the ins and outs of mortgage investments can be challenging. As an investor, understanding where your money is going, and how the process will look, goes a long way for your peace of mind.

In mortgage financing, there are two kinds of lenders—institutional and private—and each offers distinct opportunities.

Institutional lenders are institutions that provide traditional mortgage financing opportunities. These include banks, credit unions, trust companies, and other chartered, deposit-taking institutions.

Private lenders, on the other hand, are individuals or companies that lend without requiring a deposit and provide mortgage financing at different rates than those that institutional lenders may be able to offer. They charge higher interest rates as a result.

Caplink Financial Corporation is a private lender. By pooling investor capital, we facilitate commercial and residential mortgage loans to both individuals and corporations who are unable to obtain financing from institutional lenders and all of our loans are secured through real estate.

As investors ourselves, we recognize the value in transparent, real-estate-secured investments. Caplink provides investment opportunities tailored to your personal and financial goals through our different Mortgage Investment Corporations

To explore the investment options available to you, contact Caplink’s Mortgage Investment Team.

Before considering an investment please request a copy of our Offering Memorandum that details risk. Mortgage investments are not guaranteed, returns may fluctuate and past performance may not be repeated.

What is a Mortgage Investment Corporation?

A mortgage investment corporation (MIC) is an investment-pooling vehicle that enables its shareholders to collectively invest in a large pool of diversified residential and commercial mortgage investments. When you invest in one of our MIC funds you gain access to a pool of mortgage loans.

By combining multiple real estate investments into one fund, a MIC allows its shareholders access to monthly incomes, while mitigating mortgage investment risk. The net income derived from the entire pool of investments is distributed among its shareholders, free of corporate tax.

You choose the MIC that matches your investment goals, and we take care of the rest. Caplink currently has two MICs open to investors:

Caplink Mortgage Investors Corporation (“CapMIC”)

  • invests in only first mortgages
  • incorporated in 2005
  • LTV ratio not in excess of 75% (at time of funding)

Cedar II Mortgage Corporation (“Cedar II” )

  • invests in both first and second mortgages
  • incorporated in 2000
  • LTV ratio not to exceed 85% (at time of funding)

You’ll experience a number of benefits investing in one of Caplink’s MICs:

  • Your investment has the potential for regular cash flow.
  • We secure your investment by investing in real estate mortgages only.
  • MIC mortgage pools mitigate your mortgage investment risk.
  • You receive professional management and independent board governance.
  • We provide annual audited financial statements to all our investors.
  • Your investment shares are redeemable in prescribed circumstances.
  • We require no fees for either entering or exiting the MIC.
  • You become the beneficiary of monthly financial reporting.
  • Your investment is eligible for a number of savings plans, including RRSPs, RESPs, RRIFs, LIRAs, and TFSAs.

Life is about balance. Through regular, transparent communication from Caplink, you’ll remain involved while letting Caplink’s professional team expertly guide your investment so you don’t have to.

Before considering an investment please request a copy of our Offering Memorandum that details risk. Mortgage investments are not guaranteed, returns may fluctuate and past performance may not be repeated.