Discover an investment approach grounded in residential real estate, thoughtful underwriting, and a long-term perspective.
Prosperity Capital MIC is an Ontario-based mortgage investment corporation that pools investor capital into a professionally managed portfolio of residential mortgages.
Our approach brings together mortgage selection, property assessment, and portfolio diversification, with an emphasis on the real estate behind each loan.
Residential real estateMortgage-backed investingPortfolio diversificationParticipate in a professionally managed residential mortgage portfolio through shares in the corporation.
Explore the MICExplore individual mortgage opportunities and understand the property, terms, and risks behind each investment.
Explore direct investingExplore illustrative outcomes with monthly reinvestment using our investment calculator.
Try the calculatorA mortgage investment begins with understanding the property, the borrower, and the path to repayment.
Talk through the approachReviewing residential property value, market conditions, and available equity.
Assessing the borrower’s circumstances and the proposed repayment strategy.
Considering diversification and mortgage exposure across the fund.
All investments involve risk. Real estate security does not guarantee the repayment of invested capital.
Get to know the investment before deciding whether it fits your circumstances.
Discuss your investment goals and ask questions about the fund.
Review current fund documents, eligibility, terms, and investment risks with your advisor.
If suitable and eligible, the team can explain the subscription process and next steps.
Adjust the investment calculator to explore illustrative outcomes.
Understanding the structure matters as much as understanding the opportunity.
A MIC pools capital from investors to invest in mortgages. Investors hold shares in the corporation rather than owning the underlying properties directly.
The October 2026 information packages describes a primary focus on first and second residential mortgages in Ontario’s urban markets. The current mandate should be confirmed with the team.
The October 2026 packages list a $25,000 minimum for each fund and designed net annual returns with DRIP of 8.30% for Balanced and 12.68% for High-Yield. These are not verified historical results or guarantees. Review each fund page and current offering documents for details.
The October 2026 packages list RRSP, TFSA, RESP, RRIF, and LIRA eligibility through a qualified trustee. Confirm current availability and account-specific requirements with the team and your advisor.
Mortgage investments can involve borrower defaults, changes in property values, and liquidity restrictions. Review the current offering documents for the full risk factors, redemption conditions, and fees.
Explore ideas on mortgage investing, registered accounts and planning ahead.
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Contact details from the October 2026 packages.
Contact our team to discuss investing and request current fund information.
Email our team
