Our MIC funds: consistent real estate-backed income since 1994
Our brokers find mortgage solutions for all situations
Great Pacific Mortgage & Investments
You’ve built a life you love. We’re here to help you keep it.
While the world of finance feels increasingly complex, your goals remain simple: dignity, comfort, and the freedom to enjoy what you’ve earned. GPMI provides the steady, mortgage-backed stability you need to honor a life well-lived.
Two Ways to Work With Us
Based in Victoria, BC and serving clients across BC and Ontario, Great Pacific is a full service mortgage brokerage firm, specializing in MIC fund management, as well as traditional mortgage brokerage services.
We Listen, Think Independently, Advise & Take Action
Local Lens First
We only lend where we live. Our decisions are rooted in 30+ years of walking the streets of where we lend. We don’t trust algorithms; we trust local expertise.
Transparency
Every client relationship at Great Pacific is built on honest advice, clear communication, and doing right by the people who trust us with their financial goals
Risk Resilience
We’ve been navigating market cycles since 1994, and that experience shows in how we manage both lending and investments. Our clients trust us to protect their interests when conditions get uncertain
Independent Thought
We are not the big banks. We are not bound by corporate quotas. Our advice is built around your personal needs.
You’ll Know What
• AUM: $29,575,388
• Investor count: 223
BCFSA Licensed Mortgage Broker
Great Pacific Mortgage & Investments Ltd. is licensed as a Mortgage Broker by the BC Financial Services Authority (BCFSA) and registered as an Exempt Market Dealer (NRD #37960) in British Columbia and Ontario., giving our clients the confidence that every mortgage and investment recommendation is held to a regulated standard. That accountability has been part of how we operate since 1994.
What People Ask Before They Call Us
Whether you’re thinking about a mortgage or curious about investing, the questions below cover what most people want to know before reaching out. If yours isn’t here, just ask — we’re easy to get hold of.
What's the difference between a mortgage broker and going directly to my bank?
Your bank can only offer you their own products. That means one set of rates, one set of qualifying criteria, and a yes or no based entirely on what fits their lending box. A mortgage broker works with a network of lenders — banks, credit unions, trust companies, and private lenders — and shops your file to find the best fit for your situation.
The other difference is who the person across the table is working for. A bank’s mortgage specialist works for the bank. A broker works for you. At Great Pacific, that means we’re looking at your full picture and finding the option that actually makes sense, not just the one that’s available.
What is a MIC and why would I invest in one?
A Mortgage Investment Corporation is a Canadian investment vehicle that pools capital from multiple investors and deploys it as secured mortgage loans on real estate. As a MIC investor, you earn income generated by that lending activity, backed by real property rather than market performance.
The reason people invest in MICs comes down to what they are looking for. If you want returns that hold up without the swings that come with stocks, and you want your capital secured by something tangible, a MIC is worth understanding. Great Pacific has been managing MIC funds in Victoria since 1999, and our investors have seen consistent returns through rate cycles that tested a lot of other options. That kind of track record does not happen by accident.
Do I need to be an accredited investor to invest with Great Pacific?
Good question to include — the answer to this one actually varies depending on which fund or investment structure Great Pacific is offering, and getting it wrong on a public-facing page is a compliance problem.
Do you have that information from the client? Specifically, whether they accept non-accredited investors, and under what conditions if so. That determines whether the answer opens a door or needs to manage expectations carefully.
What if the bank has already turned me down for a mortgage?
A bank decline is not the end of the conversation. Banks apply rigid qualifying criteria, and plenty of solid borrowers get turned down simply because their situation does not fit a standard template — self-employment income, a recent life change, or a credit history that tells more of a story than a score can.
At Great Pacific, we work with lenders who are built for exactly these situations. Alternative and private lenders assess deals differently, and having a broker who knows how to present your file to the right lender makes a significant difference in what comes back. A no from one institution is not a no from every option available to you.
How do I get started — with a mortgage or an investment?
Either way, it starts with a conversation. There is no paperwork required to have an initial call with our team, and no commitment on your end. Whether you are exploring what a MIC investment looks like for your situation or you need a mortgage broker to find a lending solution, we will ask the right questions and point you in the right direction from there.
