Financial Advisors

INVESTMENT STRATEGY

M12 Capital MIC proudly offers investors a unique product with an attractive fixed income yield. Our products combine the opportunities and security of real estate investment with the construction of a diversified portfolio.

We focus our lending in high-growth Ontario urban centres, catering to self-employed individuals. We partner with borrowers who have poor or limited credit history or are new immigrants to Canada. Our target scenario is relatively low-risk, first and second residential mortgages on single-family dwellings in Ontario. We mitigate loan risk with a focus on loan-to-value ratios of between 65% - 80%.

At M12 Capital, all our mortgage applications are sourced through licensed mortgage agents and brokers.

Private mortgages usually imply an individual lending on one or a small number of properties. With our scale, we underwrite dozens of mortgages that then sit in a pool of diversified loans with a range of terms averaging one year. In addition, this pool effectively spreads all risks across many mortgage types and geographies and borrowers, producing a solid consistent yield of passive income to investors.

We offer investors a Distribution Reinvestment Plan (DRIP) whereby shareholders can opt to reinvest distributions to experience compounding returns. We also offer direct deposit financial payment of the distribution into an account of the investor’s choice. We are proud to share that our yield has been consistently strong for our most recent distribution information please download our fund fact sheet Class A Fund Fact Sheet Click to download.

	Class “F” – 9.5% (including DRIP 9.6%) – Target Yield
	Class “A” – 9.5% (including DRIP 9.6%) – Target Yield

Tactical Unwriting for Attractive Long-Term Benefits

	Attractive Yields: Target yield of 9.5% (A&F Class).
	Exceptional Management: The Senior Leadership of M12 Capital MIC as the best in the business, with over two decades of mortgage and investment experience.
	Real Estate Security: The Portfolio of M12 Capital MIC represents 65% loan to value. Land title is protected by First Canadian Title or Chicago Title Insurance.
	Registered Account Eligible: Investors can hold their M12 Capital MIC in a self-directed RRSP, TFSA, RRIF or even RESP.
	Risk Mitigation through Diversified Portfolio: Investors own shares in a diversified portfolio of Ontario urban mortgage loans.
	Regular Income: Investors can earn passive income regular distributions.

HOW TO INVEST

Step One

Offering Memorandum: For a copy of our current Offering Memorandum or for any other inquiries related to M12 Capital MIC, please contact your investment advisor.

CLASS A SHARES

Complete the Subscription Agreement - ACCREDITED Click to download.
Complete the Subscription Agreement - ELIGIBLE Click to download.

CLASS F SHARES

Complete the Subscription Agreement - ACCREDITED Click to download.
Complete the Subscription Agreement - ELIGIBLE Click to download.

Step Two – Enter the Order

Place the order electronically through FundSERV:
M12 Capital Mortgage Investment Corporation

Step Three

Dealers/Advisors are required for all initial purchases to deliver a copy of the completed Subscription Agreement on the date the order is placed to M12 Capital MIC via:
Email to fundsales@m12mic.com



For sales inquiries, please contact Tom Kennedy at:
Toll Free: 416-778-1914x105
Email: tom@m12mic.com