Who we are

Capital Yield Mortgage Investment Corporation (“Capital Yield MIC”)
is an Ontario-based mortgage investment corporation specializing in secured, real estate–backed lending.

We are dedicated to delivering stable income and long-term value for investors through disciplined mortgage underwriting, transparency, and compliance with Canadian regulatory standards.

By combining professional management, prudent lending, and integrity-driven governance, Capital Yield MIC bridges private capital with qualified borrowers — ensuring every investment is backed by real property and guided by responsible oversight.

Our Mission

To provide investors with a secure, transparent, and professionally managed vehicle for mortgage-based investments — while delivering responsible, real estate–backed lending solutions to qualified borrowers. We aim to bridge private capital and real property financing through disciplined underwriting, regulatory integrity, and long-term value creation.

Our Vision

Founded on the principles of integrity, prudence, and investor trust, Capital Yield MIC strives to be a leading mortgage investment corporation recognized for its stability, transparency, and disciplined performance. Our vision is to cultivate a marketplace where private capital empowers sustainable real estate growth, and every investment decision reflects accountability and purpose.

Capital Protection

Preserving investor capital is our foremost priority. Every lending decision begins with a clear focus on collateral strength, conservative loan-to-value ratios, and disciplined credit assessment. We lend where security is measurable — not speculative.

Prudent Growth

We pursue measured portfolio expansion through sound underwriting, due diligence, and data-driven decision-making. Our growth philosophy prioritizes quality over volume, ensuring that each loan supports long-term portfolio stability and consistent returns.

Transparency & Governance

Our shareholders benefit from open, timely reporting, audited financials, and strict adherence to FSRA and CRA standards. We maintain accountability at every level — from origination to performance disclosure — to protect the integrity of investor trust.

Corporate Structure & Oversight

Capital Yield Mortgage Investment Corporation (“Capital Yield MIC”) is incorporated in Ontario under the Business Corporations Act (Ontario) and qualifies as a Mortgage Investment Corporation (MIC) under Section 130.1 of the Income Tax Act (Canada).

We operate within a governance framework designed to ensure accountability, transparency, and investor protection.

Our oversight and compliance structure includes:

Board of Directors: responsible for strategic direction and fiduciary oversight.
Independent Audit: annual review conducted by licensed public accountants to verify financial accuracy and performance reporting.
Legal Counsel: external law firm providing compliance and documentation review to maintain adherence with FSRA standards.
Custodian & Trustee Arrangements: investor funds managed under segregated trust accounts for enhanced capital protection.
Regulatory Alignment: operating in accordance with provincial mortgage administration requirements and federal tax compliance standards.

This governance structure ensures that every mortgage investment is managed under discipline, integrity, and full accountability — safeguarding both investor capital and borrower trust.

Our Commitment

View Full Offering Memorandum