ALTERNATIVE INVESTMENT SECURED BY REAL ESTATE

Invest like a Bank.

Banks invest your money in mortgages backed by Canadian real estate. So should you.

Banks borrow money from you, which is in the form of a GIC, term deposit, or bond. Then they turn around and lend it to other people as a mortgage. They pay you a portion of the interest they earn.

Instead, why not lend money directly to those same borrowers and skip the middle man? Mortgage Investment Corporations, like the ones managed by Great Pacific, lend your money directly to Borrowers.

Call Us Toll Free: 1-800-667-0440 | Email Us: info@greatpacificmortgage.com

0+

Years

managing mortgage portfolios

0%
Return

Previous 10-year return averaging to our investors*

0%

Under

Cumulative loan-to-value ratio on our loans

One Billion

Dollars +

in loans funded to borrowers across Canada

Our MICs Outperform The Bank’s.

Over the past 10 years, the Accredit Mortgage Ltd. has delivered steady and consistent growth, outpacing the returns of traditional bond investments such as the iShares Canada Bond ETF (XBB) and the RBC Bond Index Fund (RBF700).

Starting from the same point in 2015, the Accredit Mortgage Ltd. has grown to over $55,000, while the bond alternatives have hovered closer to $28,000. This highlights a meaningful difference in long-term outcomes, particularly for investors seeking dependable growth beyond what typical bond products have provided.

While bonds have traditionally played a stabilizing role in portfolios, the past few years have been challenging for fixed income as both XBB and RBF700 experienced periods of flat or negative performance. In comparison, Accredit Mortgage Ltd. consistent returns, supported by a diversified pool of mortgages, have helped shield investors from some of the volatility seen in the broader bond market. For those looking to diversify their fixed-income exposure, the Accredit Mortgage Ltd. offers a practical alternative with a solid performance history.

Get started with your investment today.

Partner with our experienced team to explore exclusive mortgage investment opportunities tailored to your goals. We provide the insights, expertise, and personalized guidance you need to grow and protect your wealth. Connect with us today to secure your place in a portfolio built for performance.

Why Great Pacific Mortgage & Investments?

When you invest in a GIC, term deposit, or bond, the bank borrows that money from you. Then they lend it out as a mortgage and pay you only a portion of the interest they earn.

Why not skip the middleman and lend directly to the same borrowers?

Mortgage Investment Corporations like those managed by Great Pacific allow you to invest directly in Canadian mortgages secured by real estate and backed by decades of experience.

Investing in a MIC, here are some questions you should be asking:

1

You Invest Capital

Investors place funds with Accredit Mortgage Ltd. Your capital is pooled and prepared for deployment into real estate-secured loans.

2

We Source and Underwrite Mortgages

Our team identifies high-quality lending opportunities across BC. We personally inspect every property and apply rigorous underwriting standards, including conservative LTVs.

3

Funds Are Lent Secured by Real Estate

Once a deal is approved, funds are lent to qualified borrowers and secured directly against the underlying property.

4

Borrowers Make Monthly Payments

Borrowers pay interest monthly, which forms the basis of your return. Most loans are short-term, interest-only, and asset-backed.

5

You Receive Regular Dividends

As interest is collected, we distribute income to investors on a quarterly basis. Returns are typically consistent and supported by strong real asset security.

FAQ

Comprehensive Answers to Your Important Questions

We understand that clarity is key when it comes to making informed financial decisions. This FAQ addresses the most common questions about investing with our Mortgage Investment Corporation (MIC), helping you understand how it works, what to expect, and how we prioritize the security of your investment.

What is a Mortgage Investment Corporation (MIC)?

A MIC is a Canadian investment vehicle that pools funds from investors to lend primarily on residential and commercial mortgages. Investors earn returns from the interest payments borrowers make on their mortgages, typically distributed as dividends.

Yes, your investment is secured by real estate assets. Each loan is carefully underwritten to ensure sufficient collateral value relative to the loan amount (Loan-to-Value ratio). However, like all investments, there are inherent risks.

We lend primarily to creditworthy individuals and businesses who may not qualify under traditional bank lending criteria but still have strong assets and reliable repayment capacity. Our loans are typically short-term and secured by Canadian residential or commercial real estate.

The minimum initial investment is typically $25,000. Please contact us to discuss specific investment options and requirements.

Yes, our investments are eligible for registered plans, including RRSPs, TFSAs, and RRIFs, through our approved trust company Olympia Trust.

Investments are redeemable, provided funds are available, at the discretion of the Board of Directors.

We combine strong historical returns with low LTV lending, nationwide diversification, and hands-on underwriting as we personally visit each property we lend on. Our disciplined approach and 20+ year track record set us apart in the MIC space.

Like all investments, MICs carry some risk. These include borrower defaults, real estate market fluctuations, and interest rate changes. At Great Pacific Mortgage, we mitigate these risks through conservative lending with low LTVs, rigorous underwriting, and in-person property inspections. Our goal is to protect investor capital and deliver consistent income.

*Disclaimer: Historical investment returns are not indicative of future performance. Investment outcomes can vary significantly over time due to market fluctuations, economic conditions, and other factors. Past performance does not guarantee future results, and there is no assurance that similar returns will be achieved in the future. Individuals should carefully consider their investment objectives and risk tolerance before making investment decisions. It is advisable to consult with a qualified financial advisor for personalized guidance.