WHAT IS A MIC

Armada Mortgage Investment Corporation is a diversified pool of residential mortgages secured by Canadian real estate, aimed at delivering a steady and reliable stream of income. Investors purchase shares in a Mortgage Investment Corp (MIC and) receive proportional interest in the fund’s portfolio and the income it generates.

This differs from other types of mortgage investments, as each investor’s capital is spread across the portfolio of mortgages, rather than all their interest being in one private mortgage.

Each MIC will have its own set of guidelines for what types of mortgages make up its portfolio, and those guidelines with impact the risk associated with the investment. Investors should do their due diligence when researching MICs to ensure that they place their money with a product that matches their investment goals and comfort level.

Investing in mortgages doesn’t necessarily require an investor to have an extremely high net worth or take on the risk of doing an individual private mortgage or on-title mortgage investment. A mortgage investment corporation, such as Armada Mortgage Corporation, can be a more accessible way for investors to invest in mortgages and mitigate risk.

DIVERSIFY YOUR PORTFOLIO

Mortgage Investment Corporations are a great tool for diversifying your investment portfolio, as they aren’t linked to the public market in the same way as stocks and bonds. Having a portion of your portfolio in a MIC such as Armada reduces volatility in your basket of investments.

INVESTING IN MORTGAGES WITH ARMADA

Armada’s primary goal is to provide investors with a better return than the bank, while maintaining a conservative mortgage portfolio to protect shareholder capital. This is achieved by lending on predominantly first mortgages in Canada only, within BC, Alberta, and Ontario, and maintaining a low Loan-to-Value (LTV) across the portfolio. Armada also lends on second mortgages, currently at 30% of the portfolio, which produces a higher yield for the fund. The total current portfolio average LTV is 45%. The Company has an average historic return since inception of 6.99%. In 2024, Armada had its highest return to investors in company history, hitting 9.36%.

Additionally, Armada has a low minimum investment—just $5,000 in BC—making investing in mortgages more accessible, and investors have the option to take the monthly interest they earn as income, or have the dividends accrue and roll into shares.

CONTACT THE OFFICE

Want to learn more or ready to start investing in mortgages with Armada? Contact the office and a dealer representative from Armada Wealth Management will be happy to help! You can email sales@armadamortgage.com, or call 1-888-467-6449. You could also fill out the Investor Form, and a dealer representative will get in touch with you.

If you aren’t ready to set up a meeting but would like some more information in the meantime, you can sign up for our Investor email list in the website footer. We send out emails just once a month.

You can view Armada Wealth Management’s registration on the Canadian Securities Administrators website: https://info.securities-administrators.ca/nrsmobile/nrssearch.aspx