Investing
Invest in a diversified portfolio of residential mortgages designed to deliver steady and reliable growth.
Invest with us
Over 1 billion in market capital
& mortgage transactions by our team since 2007
$ 0m
Mortgages advanced
0%
Capital recovery
0%
Yield (annualized 2023 return)
0%
Avg. Loan-to-value
Our Lending Areas
Alberta
Canada
British Columbia
Canada
Investment Principles
With our prudent and pragmatic lending strategies, we provide consistent returns to individual investors, financial advisors, and institutional investors over the long term.
All Investor Sizes
We are committed to working with investors of all sizes, from individual investors to large institutions. We offer tailored investment opportunities that meet diverse financial goals, with a minimum investment starting at just $5,000.
High-Quality Collateral
Our investment strategy focuses on highly marketable properties in Western Canada, ensuring the protection and stability of our investments through careful selection and risk management.
Exit Strategy Plan:
Our investment strategy focuses on highly marketable properties in Western Canada, ensuring the protection and stability of our investments through careful selection and risk management.
Target LTV of 70%:
Our investment strategy focuses on highly marketable properties in Western Canada, ensuring the protection and stability of our investments through careful selection and risk management.
What exactly is a MIC?
How it works?
A Mortgage Investment Corporation (MIC) pools funds
from investors to provide loans secured by mortgages.
By investing in a diverse portfolio of mortgages, investors can spread risk and earn monthly returns. MICs operate as flow-through entities, distributing all net income to shareholders. All MIC investments must be in Canadian mortgages.
MIC shares qualify as investments under the Canadian Income Tax Act and can be held in RRSPs, RRIFs, TFSAs, RESPs, and RDSPs.
1
Capital Investment
Investors money placed in MIC
2
Mortgage funding
MIC offer short term mortgages
3
Payment
Payments flow back to MIC
4
Monthly Interest Distribution
MIC distributes profits back to investors
Investor
Mortgage
MIC
Mortgage Investment Corporation
Investment criteria
The fund has established certain policies respecting how it can advance mortgages
- Target 1st position mortgages of 50% of fund
- Target weighted average loan-to-value of the portfolio is 70%
- Average term to maturity of mortgages in the portfolio will not exceed 24 months
- The fund will primarily invest in residential mortgages in major urban areas in Alberta and British Columbia
*
The historical performance of BTB MIC demonstrates comparable or superior returns to equity indices, coupled with reduced volatility, and exhibits a minimal correlation with corporate bond returns
Monthly distributions paid at a 5.5% yield, with a 13th top up dividend after audited year end. Here are some recent deals:
1
A borrower needed a short-term solution to buy out a relative from an estate. BTB MIC arranged a second position mortgage.
Mortgage Amount
$150,000
Property Type
Duplex in Burnaby
Loan to value
70%
Lender fee
2%
Interest rate
11.99%
2
A self-employed borrower needed a short-term solution to purchase a waterfront property. BTB MIC arranged a first position mortgage.
Mortgage Amount
$1,163,500
Property Type
Single family home in Kelowna
Loan to value
65%
Lender fee
2%
Interest rate
13%
I’ve been investing in BTB for approximately 18 months. I was looking for a stable investment vehicle that is run in a straightforward manner, and that is exactly what I found. My interaction has always been excellent: he’s prompt, meticulous, patient, and never pushy.
Brian C.
British Columbia, Canada
FAQ
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