Advanced MIC Unique strengths & Benefits

Diversification and Risk Mitigation Strategy

  • The primary concentration is on short-term, single-family residential mortgages within a designated geographic area.
  • A balanced portfolio approach includes limited exposure to small second mortgages, along with moderate leverage to enhance overall returns.
  • Established, long-standing broker partnerships offer a competitive edge in sourcing.
  • Most mortgages have a one-year term, with expectations of the portfolio naturally rotating each year, ensuring continual alignment with market conditions.

STRUCTURE

Advanced MIC Edge

The Canadian Securities Administrators provide useful information about types of investments and asset classes and have published a guide called “Investments at a Glance” that contains details about the risks associated with alternative investments.

The Advanced Mortgage Investment Corporation Structure

Our Performance

Intelligent Investment Solutions

Individual Rate of Return

No Data Found

Advanced MIC’s business objective is to achieve a steady stream of income through residential mortgage lending.

Advanced MIC provides short term, flexible mortgage financing solutions to individuals who may not meet certain financing requirements for conventional (bank) lending.

The opportunity to provide mortgage financing at a premium, rewards our investors with a monthly fixed income payment that can be distributed or reinvested throughout the year.

Since inception our prudent underwriting policies have allowed our investors to participate in consistent returns without loss of principal or income due to default.

Advanced MIC

Frequently Asked Questions

Yes, shares in Advanced MIC are eligible to be held in registered funds such as an RRSP, LIRA, TFSA, RESP, RDSP, and RIF. These funds must be held with a registered Trustee and our Dealing Representatives will walk you through this process. Subscribers should consult with their own tax advisor regarding the income tax consequences specific to their situation. 
No. Advanced MIC is a private company and shares cannot be traded. 
MIC’s have a unique designation under the Income Tax Act in Canada, which allows them to distribute all their taxable income directly to shareholders without incurring corporate income tax. This special status ensures that the income is only taxed at the shareholder level, avoiding double taxation.  
 
Because the MIC itself does not pay corporate taxes, the income passed to shareholders is not eligible for dividend tax credits. As a result, the Canada Revenue Agency (CRA) mandates that this income be classified and reported as interest income on a T5 slip.
 
This classification ensures that the income is taxed appropriately at the shareholder’s personal income tax rate. 
Investing in a MIC can be a great option for some, but it’s important to ensure it aligns with your overall financial situation and objectives. Key factors to consider include your investment goals, your tolerance for risk, and the time frame in which you hope to achieve returns. 
 
To determine if a MIC is the right choice for you, we recommend a personalized approach. Let’s arrange a meeting to discuss your financial situation, goals, and any questions you might have. Together, we can evaluate if investing in a MIC fits within your broader investment strategy. 

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