Consistent income secured by Canadian real estate.
Canguard MIC offers attractive and stable returns through a diversified mortgage portfolio, with quarterly income distributions and minimal value fluctuation.
Secured by real estate. Our mortgages undergo rigorous due diligence and disciplined underwriting designed to preserve capital and manage risk.
Earn steady income through interest from our mortgage portfolio, paid to investors through quarterly distributions.
Investor funds are pooled across mortgages secured by different property types and locations, creating a diversified portfolio.
Experienced leadership with deep expertise in real estate, development, and finance. Flexible Account Types
Invest using personal or corporate funds, or through registered accounts including RRSPs, RRIFs, TFSAs, RESPs.
Investors receive quarterly statements and updates on portfolio performance and investment activity.
Investor Invests In
Registered: RRSP/TFSA/RESP Non-registered: CASH
Canguard MIC
Lends funds out in the form of Mortgages
Interest Income
Net Profits are distributed to Investor
Mortgage Interest
is collected from POOL OF MORTGAGES
Canguard MIC is a tax-exempt Mortgage Investment Corporation and therefore distributes 100% of net profits to our investors. As MIC dividends paid to investors are treated as expenses for tax purposes, the company is not taxed. This results in a greater return for our investors.
Our investors purchase cash and registered shares in Canguard MIC and we invest that capital in high-value mortgages, secured by real estate. Each mortgage has an interest rate based on the borrower’s profile and risk assessment. We balance our mortgage portfolio to reduce risk and maximize investor return.
Canguard MIC is a private Canadian mortgage lender providing residential and commercial mortgage financing solutions since 2011. Leveraging our strong relationship with professional mortgage brokers, we provide flexible, short-term mortgage solutions for construction, re-financing, bridge-loans, and new purchases. We aim to generate a strong quarterly dividend for our investors.
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Canguard Mortgage Investment Corporation requires a minimum initial investment of $10,000 Canadian, however further contributions can be made in smaller denominations. For more information please contact invest@canguard.ca
Dividends are calculated at the end of each quarter and distributed within 30 days of quarter end. The Canadian Income Tax Act requires that 100% of a MIC’s net income, as verified by an external audit, be distributed to shareholders. As Canguard values shares at $1 per share, therefore, dividends vary depending on net income for the quarter.
Distributions are taxed as interest income because the returns are generated from interest earned on the underlying mortgage portfolio. Investors receive a T5 tax slip at the end of each year reporting the income earned for tax purposes.
MIC is an acronym for Mortgage Investment Corporation. Created under the Canadian Income Tax Act (Sec 130.1) in 1973, a MIC enables investors to invest in mortgages without the hassle of finding and investing individually. At Canguard we manage all operations, including sourcing suitable mortgages, analyzing applications, negotiating rates and terms, as well as funding and general administration.
Canguard MIC invests in residential, commercial and construction mortgages with a focus on major urban centers within British Columbia and Alberta, Canada. Canguard MIC invests in 1st, 2nd, and inter-alia mortgages with a focus on short-term, bridge financing, and open term mortgages. For additional information or to apply for a mortgage, please contact mortgages@canguard.ca
At Canguard we pool investment funds and lend those funds on secure mortgages. This allows us to balance our portfolio, maximize returns, and reduce risk to investors. Occasionally we offer syndicated mortgages. For more information please contact invest@canguard.ca.
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