MIC Investing in Ontario
Stable returns. Asset-backed. RRSP-eligible.
Stable returns. Asset-backed. RRSP-eligible.
A simple, transparent investment structure backed by real estate assets
You invest capital in Richview Capital MIC, joining other investors in a pooled fund structure
Your capital is deployed across diversified residential, construction, HELOC, and commercial mortgages in Ontario
Borrowers pay interest on mortgages, generating consistent income for the MIC
You receive regular income distributions from mortgage interest payments
Why sophisticated investors choose MIC investing for portfolio diversification
Every investment is secured by real estate with LTV limits up to 75% on 1st, 2nd, and HELOC (case by case), and up to 65% on construction and commercial (case by case).
A diversified portfolio focusing on residential and commercial mortgages across Ontario.
Focus on principal protection with disciplined lending criteria, experienced management, and conservative LTV limits up to 75% on 1st, 2nd, and HELOC (case by case), and up to 65% on construction and commercial (case by case).
Regular quarterly distributions from mortgage interest income, providing predictable cash flow for investors.
Investments can be held in registered accounts including RRSP, TFSA, RRIF, LIRA, RESP, and LIF for tax-advantaged growth.
Licensed MIC operating under Ontario regulations with transparent reporting and professional governance oversight.
Experience, expertise, and disciplined investment management
Decades of combined experience managing mortgage investments. Our team has guided operations of highly efficient alternative lenders across Canada.
Seasoned advisory board providing oversight and strategic direction. Corporate governance ensures disciplined decision-making.
Rigorous due diligence and case-by-case evaluation. Every mortgage is assessed for risk-adjusted returns, asset security, and compliance with portfolio LTV limits.
Regular reporting on portfolio performance, distributions, and fund metrics. Investors stay informed about their investment.
Concentrated focus on Ontario residential, construction, HELOC, and commercial mortgages. Deep market knowledge and established broker relationships.
Direct access to management team. Personalized service and regular communication about fund performance and strategy.
Common questions about MIC investing and Richview Capital
A Mortgage Investment Corporation (MIC) is a Canadian investment vehicle that pools capital from investors to fund residential and commercial mortgages. MICs are regulated under the Income Tax Act and offer investors asset-backed returns through mortgage interest income. Richview Capital MIC focuses on residential mortgages and construction financing across Ontario.
Target rate of return is 7-8% annually, paid through quarterly distributions from mortgage interest income.
Yes. Eligible for RRSP, RRIF, TFSA, LIRA, RESP, and LIF. Fees apply for registered and self-directed accounts. No fees on non-registered (cash) accounts.
$100,000 minimum. $10.00 per share. Minimum 2-year hold, quarterly liquidity thereafter.
All mortgages secured by real estate with LTV limits up to 75% on 1st, 2nd, and HELOC (case by case), and up to 65% on construction and commercial (case by case). Minimum 600 credit score on all borrowers. Portfolio diversified across the GTA and Ontario. Annual audited financials.
Quarterly by direct deposit: March 30, June 30, September 30, December 31.