Investments
Investing With Great Pacific
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Real Estate-Backed Income That Doesn't Depend on What the Market Does Tomorrow.
Running since 1999, this is the fund most of our investors start with. It’s designed to generate consistent real estate-backed income while keeping capital preservation at the centre of every lending decision. If you’re looking for a steady income stream with the security of BC real estate behind it, this is where most conversations begin.
Most MIC managers buy mortgages from other brokers. We originate ours directly, which means we set the underwriting standards, we know every borrower, and we’re not dependent on someone else’s judgment about what belongs in your portfolio. When you invest with Great Pacific, the same team managing your fund is the one that made the loans in it.
If capital preservation is your first priority and yield is secondary, this fund is built around that. It holds exclusively first mortgage positions, primarily across Vancouver Island and mainland BC, with at least half the portfolio in residential mortgages or cash-equivalent instruments. Less exposure, tighter focus, and a lending area our team knows from the ground up.
What is a MIC?
When you invest in a Great Pacific MIC fund, your capital is lent to borrowers against BC real estate. The interest they pay comes back to you as quarterly income. Every loan in the portfolio sits behind a registered mortgage on a physical property, so your return is tied to something you could look up on a map rather than something moving on a screen.
GICs offer a guaranteed return but historically lower yields than a MIC. REITs give you exposure to real estate but involve property management, development risk, and market pricing. Equities tie your returns to company performance and market sentiment. A MIC generates income from interest payments on secured loans, which gives it a different risk and volatility profile from all three.
If you want consistent quarterly income, prefer having a tangible asset behind your investment, and are thinking in terms of years rather than months, a MIC is worth understanding properly. Both Great Pacific funds are eligible for RRSPs and TFSAs, and are open to accredited and eligible non-accredited investors. Our team will confirm your eligibility in the first conversation.
Built Through Market Cycles, Not Just Bull Markets
In-House Lending and Fund Management
The mortgages in your fund were originated by the same team managing it, not purchased from outside brokers. That means consistent underwriting standards, a known borrower on every loan, and no gaps between the people making lending decisions and the people accountable for your returns.
Real Estate-Secured Capital
Every dollar you invest is deployed as a mortgage registered against BC real estate. The property secures the loan, which means your investment is backed by something with an address, not a market position.
Transparent Shareholder Reporting
You’ll receive regular updates on how the fund is performing, what the portfolio looks like, and how your returns are calculated. If you have a question about what’s happening with your money, you’ll get a straight answer from a person who knows.
Victoria-Based, BC-Focused
Our team lives and works in the same market where the mortgages are secured. That’s not a marketing point, it’s the reason our lending decisions are better informed than those made from a desk somewhere else.
The Best Place to Start Is
Questions We Hear Most from Prospective Investors
MIC investing is straightforward once you understand how it works, but there’s a learning curve for most people coming to it for the first time. These are the questions we hear most, answered plainly.
What is a Mortgage Investment Corporation and how does it work?
Are MIC investments guaranteed?
Can I hold MIC shares in my RRSP or TFSA?
What returns can I expect?
Returns vary based on market conditions, interest rates, and the composition of the portfolio at any given time. We don’t publish specific return targets publicly because they change and we’d rather give you accurate, current figures in a conversation. What we can say is that our funds have a track record of consistent returns since 1999, and we’re happy to walk you through the historical performance when you speak with our team.
What is the minimum investment and how liquid is it?
Minimum investment amounts and liquidity terms vary by fund. MIC investments are generally considered less liquid than publicly traded securities — there isn’t a daily market to sell your shares into. Most investors treat MIC holdings as a medium to long-term position. We’ll walk you through the specific terms for each fund during your initial conversation so you can assess whether the structure suits your goals.
