Are you looking for a mortgage solution that goes beyond the traditional? M12 Capital provides personalized private mortgage loans on highly marketable residential and commercial properties. We understand that not everyone fits the conventional lending restrictions of banking institutions. That’s why we offer a common-sense approach, considering various situations, including new construction purchases, rent-to-own arrangements, and cases of bad credit. We also work with discharged bankrupts and those in consumer proposals.
Mortgage Solutions Tailored to You
Overcome Credit Challenges keyboard_arrow_down
We consider borrowers with less-than-perfect credit, including discharged bankrupts and those in consumer proposals, offering a pathway to homeownership.
Flexible Property Types keyboard_arrow_down
Secure financing for residential, small commercial, and farm properties, with loan-to-value ratios up to 80% for residential and 65% for commercial/farm.
Unique Situations Welcome keyboard_arrow_down
We accommodate diverse scenarios, including new construction purchases based on appraised value and rent-to-own arrangements.
Fast and Efficient Approvals keyboard_arrow_down
Experience a streamlined process with quick approvals, getting you closer to your property goals faster.
Why Work With Us?
- Proven Track Record of Managers: The managers have been administering mortgages for many years with no loss to date and with a consistent return to their investors.
- Diversified Security: First and Second mortgages primarily on highly marketable residential properties in Ontario.
- Qualified Investments: RRSP, TFSA, RRIF, RESP, LIRA, RLIF, RLSP, RDSP and DPSP eligible.
- Secured Investment: Mortgages purchased by the MIC are secured by real assets.
- Diversification: Investors own shares of a diversified portfolio of mortgage loans, thereby mitigating risks.
- Quality Customer Service: Quick and professional service for each client.
Don’t let traditional lending barriers hold you back. Discover your mortgage options with M12 Capital MIC today and take the first step towards securing your property.